Pretty nice anatomy here. Better than some anime I've seen. The pose and expression are very expressive here and I like the way the hair's flowing around her. The rose is a nice touch, too.

A few minor things are off with the anatomy. Her right forearm, which well drawn, is too long for her upper arm. I think the problem there, though, is that her upper arm is slightly too short. The knuckle of her index finger needs to be out further to line up with the rest of her fingers, though I like the way her hand is drawn otherwise, especially the nails. Her torso needs to be a bit longer. Right now, you seem to have the bottom of her ribs, the narrowest part of her torso, as the waist, when the waist is a little further down the body. The hips are nicely drawn, though her right upper leg looks a little too thick for her other leg. From this angle, the outside curve of both legs would match. Her legs are also too short, at least what of them we can see. An easy way to think of it is the upper leg, from crotch to knee, should be about as long as the distance from the shoulder to where the hip connects to the leg.

This isn't an anatomy issue, but her hair could use a little work, too. The strands you've drawn have a good flow to them, but they're kind of blocky and seem to have an odd shape from the detail lines you added in them. When you're detailing hair, don't use only lines of the same length, and have them twirl around the hair a little more. I'm sorry I can't explain it better, I suppose the best thing to do is study real hair and art that depicts it well and see how they make the lines make the hair look full and real.

And finally, her nipple should be just slightly further outward, toward her arm, than it is.

Despite all that, though, I think this is a really nice picture. You've captured something tender and perhaps sad in this picture and it has a nice feeling. And most of the anatomy is drawn quite well, particularly the face. Outline of the face could be centered a little and the nose moved a smidge to the left, but what you have is still lovely. You have the curves and size of the body just right. Keep working on it, you're doing quite well so far. Hope to see more from you.

Ah, I see you already uploaded one of those "perv" pictures you were talking about. :p

Well, I see absolutely nothing perverted or wrong with it--Anyone who'd give you lip over this is off their rocker! ^^

It's actually quite beautiful. The anatomy is wonderful and the hair flow gives it a nice effect. Add a surreal background and you're set! ^^ I DO look forward to your final version and despite what you may think would say about it, remember... You have nothing to be ashamed of here. :)

There's nothing wrong with nudity! It's fun!

In other comments, I agree with everything the commenters above me have said about the anatomy and hair. Overall, I think you've captured a really bittersweet mood with this image, something that wouldn't have been captured without nudity. Nudity tends to express a kind of innocence... a little bit of vulnerability. Maybe that's why I like to use it so much in some of my pictures, like "loneliness."

I really like her expression, and I'd definetly like to see a colored version of this once you fix the issues the others have mentioned. This pic has a lot of promise, and I think that you can live up to that!