Loans with other people's ID cards are suspected of fraud. If the amount is large or the circumstances are serious, it is a crime of fraud. Fraud of public or private property worth more than 3,000 yuan and less than 10,000 yuan is a "large amount" and constitutes a crime of fraud. If the purpose is illegal possession of loans, and the circumstances are serious, it may constitute the crime of loan fraud.

legal ground

Article 266 of the Criminal Law of People's Republic of China (PRC)

Whoever swindles a large amount of public or private property shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.