In real life, there are indeed cases where someone uses someone else's ID card to apply for a loan. So everyone must take good care of their ID cards.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves in accordance with the principles of safety, liquidity and efficiency."
Id card is very important. Don't lend money to others easily. On the one hand, you will become the debtor of the loan. On the other hand, if the loan is not repaid, your personal credit may be affected.
So, if you want to apply for a loan, but your ID card is lost, the borrower can consider applying for a loan in other ways, or you can apply for a loan in temporary id card. The details need to be consulted by the borrower in advance.
Needless to say, traditional bank loans need to be photographed and then compared with the photos on the ID card. If the photo of the ID card is not the same person, then the related business cannot be handled.
Although there is no offline verification for the new ID card loan, there is also online authentication. Such as flash loans. It requires the loan applicant to take a photo with the ID card, and requires that the ID card number be unique and valid. If these cannot be met, it is impossible to complete the verification and obtain the loan amount.
Although you can't use someone else's ID card for a loan, you can let someone else do the guarantee. For example, some banks accept teachers, civil servants and other professionals as guarantors, so they can also lend.
Loan security is the primary problem faced by commercial banks; Liquidity refers to the ability to recover the loan according to the predetermined time limit or realize it quickly without loss to meet the needs of customers to withdraw deposits at any time; Efficiency is the basis of sustainable operation of banks.