First of all, according to the provisions of the "Resident Identity Card", it is illegal to fraudulently use another person's resident identity card, and it is punishable by a fine of more than 200 yuan and less than 1,000 yuan, or detention for less than 10 days. If there are illegal gains, the illegal gains shall be confiscated.

Secondly, borrowing money by using someone else's ID card is a loan fraud. If the circumstances are serious, it can constitute the crime of financial fraud, and the lender will face jail.

Finally, borrowing money with someone else's ID card will damage your reputation and destroy the man-machine shutdown. Because, whether it is stealing someone else's ID card or borrowing someone else's ID card, it will cause economic disputes and trust crisis.

National laws are very strict in the management of identity cards, and it is stipulated that they cannot be lent to others at will. If you intentionally lend it to others for criminal or financial purposes, you should also bear the corresponding consequences.

Legal basis: Article 35 of People's Republic of China (PRC) Commercial Bank Law. Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan;

If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan;

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 not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(1) Using a forged credit card;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.