Legal analysis: the ID card is the legal identification of every citizen. It is a legal contract for others to borrow money from the bank with your ID card. The parties to the contract are "you" and the bank. According to the principle of contract relativity, the bank only regards you as the repayment person. Therefore, it is recommended not to lend your ID card to others, so as not to cause litigation and harm your own interests. If your ID card is stolen by others, you should call the police in time.

Legal basis: Article 680 of the Civil Code of People's Republic of China (PRC) prohibits high-interest lending, and the loan interest rate shall not violate the relevant provisions of the state.

If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest.

If the loan contract does not specify the method of interest payment, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as having no interest.

Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 25 If the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except that the interest rate agreed by both parties exceeds four times the quoted interest rate in the one-year loan market when the contract is established.

The "one-year loan market quotation rate" mentioned in the preceding paragraph refers to the one-year loan market quotation rate issued monthly by the National Interbank Funding Center authorized by the People's Bank of China from August 20, 20 19.