Legal analysis: if you don't know, you won't be responsible for repaying the loan. After the divorce formalities are handled according to law, the marriage relationship between the two parties has been dissolved, and the two parties are no longer husband and wife, and the ex-husband has no right to represent his ex-wife in civil acts. If an ex-husband borrows money privately with his ex-wife's ID card, whether in the name of his ex-wife or husband and wife, it is fraud and illegal. If the amount is relatively large, it constitutes a crime of loan fraud and should bear criminal responsibility. In terms of civil liability, because the ex-wife did not entrust her ex-husband to handle the loan, and the two sides are no longer husband and wife, the ex-husband has no right to handle the loan formalities on his behalf, so the ex-husband's handling of the loan belongs to his personal behavior, and the individual should be responsible for repaying the loan, which has nothing to do with his ex-wife.

Legal basis: Article 266 of the Criminal Law of People's Republic of China (PRC) defrauds public or private property, and if the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.