Identity card is a very important item that we often use in our daily life. It can prove our identity. We usually use our ID cards in the process of handling loans, buying houses, traveling and other things, so we often hear the police call on us to keep our ID cards safe and not to leave them anywhere. Once the ID card is lost, it should be reported in time for replacement, otherwise it is likely to be abused or even used by criminals.

Recently, a woman in Henan Province applied for a loan for more than ten years after handling the business of updating her new ID card. Suddenly, she found that her ID number was inconsistent with the ID number when she got married, so she went to the police station to verify that the ID card she was using now had been fraudulently used by others, and she registered a company with this ID number and borrowed more than 2 million from the bank. At that time, the woman was very scared because she was afraid that she needed to repay more than two million loans, but in fact, if you can prove that the borrower is not herself, her loan responsibility can be cancelled directly. So why is our loan review process so lax that only one person can successfully review the loan with our identity?

First of all, it is necessary to mention the specific use function of the ID card. At present, the loan method in many areas is to scan the information of ID card. When you take your ID card to the bank for a loan, the bank simply scans the information of the ID card, confirms your identity before making a loan, and then the loan information will be under the ID card. If the lender refuses to repay or absconds, he can also pursue it according to the identity information entered in the bank at that time, so no real bank staff will carefully compare whether the identity information is consistent with the lender when entering the identity information;

Secondly, simplifying the loan review mechanism is also a national policy in China in recent years. In order to facilitate the financing of small and medium-sized enterprises, promote the development of small and medium-sized enterprises and improve the vitality of China's market, the loan procedures of many companies are much simpler than in previous years, which leads to that if our ID cards are lost but not reported in time, when criminals start a company in our name and apply for loans, the process is relatively easy, and they can lend huge loans in a very short time.

From the above events, we can also clearly see that the emergence and development of everything in the world has its two sides, so while enjoying convenience, we should also raise our awareness of prevention and protect our identity cards so as not to lose them in unknown places and be used by criminals, which will cause great damage to our property safety or reputation.