The customer's personal ID card is not allowed to lend money to others. If you lend money to others with his ID card, it means that the other party is lending money with his own identity, which is a kind of loan fraud. Once discovered by banks or other licensed consumer finance institutions, the consequences will be very serious.
Customers must take good care of their ID cards to prevent personal information from being leaked and used by criminals to apply for loans. At that time, the loan platform will not go to the other party for repayment, but will only find the customer himself to ask for repayment according to the ID card information.
In order to avoid this situation, customers can check the personal credit report and big data to see if there is any loan information they have not done.
If found, it is recommended to contact the loan platform to ask clearly. If someone uses his identity to borrow money, he must explain the situation. If the loan platform insists on repayment, customers can also collect relevant evidence to report and safeguard their legitimate rights and interests.
Use your ID card to repay for others in the bank. What if others don't repay?
Lend money to others in the bank with your ID card. If others don't repay, they can only repay themselves because they are guarantors.
First, lend money to others with your ID card.
In fact, this matter has become a common occurrence. Some people may borrow money from banks when funds are scarce, but their credit is not good enough, or the loan amount is relatively small, so they will find some guarantors to guarantee themselves and get a large sum of money. If you lend money to others with your ID card, but others don't pay it back, then you may have to bear the responsibility of guaranteeing yourself and then paying it back for the other party. Since it is a guarantor, it is necessary to bear the guarantee responsibility in accordance with relevant laws and regulations, which is also a regulation made by banks in order to reduce the loan risk. In fact, when lending money to others with their ID cards, the bank staff may have said that the guarantor has a greater responsibility, just like the lender. If the lender has some problems or fails to pay back the money, the guarantor needs to pay back, otherwise the funds will be frozen and enforced.
Second, what should I do if others don't repay?
If the person you guarantee is unwilling to repay, you can only repay it yourself. If you want to suffer this loss, you can also choose to call the police if you can. But there is little chance of solving it unless this person is willing to pay back. Because the guarantor will sign the contract, the contract will also state that if this person does not repay, the guarantor must repay, otherwise the bank will suffer. Nowadays, many people say that you can't be a guarantor casually, because people can't stand the test, and it is very likely that the borrower can't pay back the money, and the guarantor needs to bear all the responsibilities. Bian Xiao suggested, don't be a guarantor for others casually, otherwise you will suffer, and don't promise others to be a guarantor because of face.
Finally, credit is very important. Don't let your credit be affected, and don't be a guarantor casually, so as to survive healthily.
What is the nature of the bank's unauthorized use of my ID card to lend money to others?
It is illegal and criminal for banks to steal other people's information to apply for loans.
According to Article 186 of the Criminal Law of People's Republic of China (PRC), employees of banks or other financial institutions who issue loans in violation of state regulations, and the amount is huge or cause heavy losses, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 10,000 yuan but not more than 100,000 yuan; If the amount is especially huge or especially heavy losses are caused, he shall be sentenced to fixed-term imprisonment of not less than five years and fined not less than 20,000 yuan but not more than 200,000 yuan.
Employees of banks or other financial institutions who issue loans to related parties in violation of state regulations shall be given heavier punishment in accordance with the provisions of the preceding paragraph.
Extended data:
Article 82 of the Law of People's Republic of China (PRC) Commercial Bank, if a borrower defrauds a loan, which constitutes a crime, he shall be investigated for criminal responsibility according to law.
Article 84 If a staff member of a commercial bank takes advantage of his position to ask for or accept bribes, or accepts kickbacks or service fees in various names in violation of state regulations, which constitutes a crime, he shall be investigated for criminal responsibility according to law; If it does not constitute a crime, it shall be given disciplinary sanctions. Whoever commits the acts mentioned in the preceding paragraph, issues loans or provides guarantees, thus causing losses, shall bear all or part of the liability for compensation.