The third-generation ID card is under development, but it still belongs to the second-generation ID card, adding fingerprint information. The implementation of the third generation ID card may actually lead to loans.
2. Can I get a loan with my face and ID card?
Legal analysis: you can't get a loan with your ID number and face. Bank loans need a stable source of repayment, good credit information or collateral with clear property rights, such as real estate and vehicles.
Legal basis: general rules of loans
Article 17 The borrower shall be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a natural person of China nationality with full civil capacity approved and registered by the administrative department for industry and commerce (or the competent authority). The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:
(a) has the ability to repay the principal and interest of the loan on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made.
Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments.
3. basic account or general deposit account has been opened.
Four, except for limited liability companies and joint stock limited companies stipulated by the State Council, the accumulated amount of overseas equity investment shall not exceed 50% of its total net assets.
Verb (abbreviation of verb) The borrower's asset-liability ratio meets the requirements of the lender.
Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.
Article 20 Restrictions on the Borrower:
1. Loans shall not be obtained from two or more branches at the same level within the same jurisdiction of 1 lender.
Two, shall not provide false or conceal important facts to the lender's balance sheet, income statement, etc.
Three, shall not use loans to engage in equity investment, unless otherwise stipulated by the state.
Four, the loan shall not be used for speculation in securities and futures.
Five, in addition to the borrower who has obtained the qualification to operate real estate according to law, shall not use loans to operate real estate business; Borrowers who have obtained real estate business qualifications according to law shall not use loans to engage in real estate speculation.
Six, not to borrow with loans to seek illegal income.
Seven, shall not use loans in violation of the provisions of the state administration of foreign exchange.
Eight, shall not take fraudulent means to defraud loans.
3. Can I get a loan with my ID number and face recognition?
Traditional institutions (such as banks) have to go to stores to realize loans, and face recognition verification under the Internet finance mode is also a living examination under certain requirements, not a simple face scanning photo, so the situation of "ID number face recognition = forging other people's loans" is unlikely to be realized.
Hello, can I get a loan only with ID number and portrait authentication?
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