Online loans are mostly informal, but there are also standardization points like flowers. Anyway, it is dangerous to lend the original ID card, including a copy, to others.

Second, why take a photo with the staff after signing the loan at the bank?

Sign the loan in person and take a photo with the staff. The most important thing is to confirm the borrower's signature before applying for the loan, so as to prevent others from fraudulently using other people's ID cards to bring about post-loan risks.

Background of group photo

In recent years, due to the rapid development of bank credit cards and credit loans, the general public has not only obtained bank loans, but also brought a serious compliance and risk problem to banks: counterfeit loans. For example, in the past two years, some enterprises were unable to finance themselves, so they turned to the credit field with lower threshold and fraudulently used other people's ID cards to defraud bank loans.

On the other hand, a small number of users who don't want to repay the loan insist that the loan is not applied for by themselves and the money is not for their own use, which brings a lot of unnecessary trouble to the post-loan part of the bank.

This directly led to the introduction of bank regulations, requiring borrowers to sign in person when applying for loans, and take photos with bank account managers for archiving. Once the loan is not applied for by themselves, they can take out face-to-face signs and photos to prove it.

Specification of group photo

Face-to-face signing generally has two purposes: one is to confirm that the borrower himself applies for a loan; The second is to inform the borrower of relevant risks and authorization.

From a practical point of view, the loan application or contract contains the basic information of the borrower (the loan is filled in by itself) and the credit authorization, and some banks or consumer finance companies may add risk warnings. Usually, the borrower needs to take photos with his ID card and contract/risk notice, and take photos with the account manager with his ID card and contract.

The practical significance of taking a group photo

For banks, taking photos with account managers can effectively reduce the occurrence of non-borrowers applying for loans, thus reducing capital losses and possible credit risks; For users, it can prevent identity information from being fraudulently used to apply for loans, resulting in unexplained situations and protect the legitimate rights and interests of users.

Third, can I borrow money online with my ID photo?

You can't borrow money online with your ID photo.

1. Peer-to-peer lending refers to direct lending between individuals through the Internet, which is characterized by low threshold, fast lending and simple operation. It adopts the big data risk control mode, conducts user pre-audit and screening for financial institutions, and recommends high-quality users for banks, which greatly reduces the difficulty and workload of banks in auditing the credit status of SME users. Let's share its application process with you today.

Second, the process of applying for online loans Applying for online loans is actually not to apply for many online loans at once, so on average, the application rate is not very high. The correct way should be to apply slowly one by one, and then apply for the next one when the last one has the result. Sometimes, every application may not be passed. If you don't get through the chain, sum up the reasons, and what are the specific areas that don't meet the loan (how to quickly approve the loan? ) standard, and then adjust the strategy to apply for the next one.

If the shed reform is rejected, first check your application materials and think about possible problems. Apply for online loan A first, and if it is rejected, see at which step it was rejected, and then carefully check the information involved in that step to pick out possible problems and see if there is room for optimization; Next, after the optimization is completed, apply for online loan B, so your success rate will be greatly improved. Of course, the choice of online loans is very important, and it is also important to choose a reliable one that suits you. Generally speaking, it is very important for everyone to operate a large platform and a stable platform first. The old and the new choose the old first, because the old has experienced the precipitation of time, and the open area has also increased. The new is generally unstable and the down payment rate is low. Therefore, the order is very important.

Third, be prepared for damage and pay attention to applying for online loans.

(1) Mobile phone number and address book When submitting a loan application to any loan company, you need to provide your own mobile phone number so as to get in touch with the applicant at a specific time.

It goes without saying that the mobile phone number must be real name and must be authenticated by my real name. If there is no real name, it is best to handle it in real-name registration system; In addition, the longer the mobile phone number is used, the better it is to apply for a loan.

4. Is it enough to have photos on online loans?

No, I must also have my bank card and real-name registration system's mobile phone number, which has been used for more than three months.