The person who certifies the real name of the loan and the person who certifies the bank card must be the same person. Real-name loan authentication usually requires the loan applicant to provide an ID card and a bank card, in which the name of the bank card holder must be the same as the name on the ID card. Inconsistent names may lead to identity information being stolen to apply for loans, so that users will not be able to pass the real-name authentication of loans.

Even some loans have stricter real-name authentication. In the real-name authentication stage, the face-brushing authentication is added, that is, the avatar of the user when brushing his face must be similar to the photo on the ID card, otherwise the user will not pass the real-name authentication. Users can only obtain the loan amount after real-name authentication and submit the loan for review. Without real-name authentication, users cannot apply for loans.

Lending institutions will strictly review the real-name authentication, because once the identity is stolen to apply for a loan, the lending institutions will bear the corresponding responsibilities because the review is not strict. As long as the user does not provide the verification code to others, it is difficult for others to steal identity information to apply for a loan.