Both sides of the ID card can be used for online loans, because users need to upload the front and back of the ID card and bind the bank card when applying for online loans, and only in this way can they pass the authentication. In other words, if you don't have a photo of the front and back of your ID card or the original ID card, then you can't successfully apply for online loans.

The essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance.

At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy.

Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.

Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and online microfinance. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by the Contract Law, General Principles of Civil Law and other laws and regulations as well as relevant judicial interpretations in the Supreme People's Court.

Network micro-loan refers to the micro-loan provided to customers by Internet companies through their holding micro-loan companies. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.

The supervision of online lending platforms, from up to five or six thousand to the end of June, is only 29, and the special rectification work may basically end at the end of the year and turn into regular supervision.

Can I get a loan on the front and back of my ID card?

Online loans can be made on both sides of the ID card.

When users apply for online loans, they will need to upload the front and back of their ID cards and bind their bank cards before they can pass the authentication. In other words, if the user does not have photos of the front and back of the ID card or the original ID card is not with him, then he cannot successfully apply for online loans at present. As an important ID card, please take good care of it. In addition, the bank card bound by the user must be the bank card in my name, otherwise it will not pass the audit.

First, online lending, mbth is Internet lending, and p2p online lending is short for peer-to-peer lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.

Second, the main features:

(1) Advantages:

1, with high annual compound income. The annual interest rate of deposits in ordinary banks is only 3%, and wealth management products and trust investments are generally below 10%, which is incomparable with the annual interest rate of online loan products above 20%.

2, the operation is simple. The authentication, bookkeeping, clearing and delivery of online loans are all completed through the network, and both borrowers and lenders can achieve the purpose of lending without leaving home. Generally, the amount is not high and there is no mortgage. It is convenient for both borrowers and borrowers.

3. Develop thinking. Online lending has promoted the interaction between industry and finance, changed the observation horizon, thinking context, credit culture and development strategy of loan companies, and broken the original lending situation.

(2) Disadvantages:

1, unsecured, high interest rate, high risk. Compared with the traditional way of borrowing, peer-to-peer lending has no guarantee at all. Moreover, the central bank has repeatedly made it clear that the annual compound interest rate exceeds 4 times the bank interest rate and is not protected by law. It also increases the high risk of online lending (generally 7 times or even higher than the bank interest rate).

2. Credit risk. The inherent capital of online lending platform is small, so it can't undertake large amount of guarantee. Once there is a large loan problem, it is difficult to solve it. Moreover, some borrowers also make loans for the purpose of fraudulent loans, while the founders of the loan platform have some ulterior motives, and cases of absconding with money also occur frequently.

3. Lack of effective supervision means. Because online lending is a new financing method, the central bank and the China Banking Regulatory Commission have no clear laws and regulations to guide online lending. For online loans, the regulatory authorities are mainly neutral, do not violate the rules, and do not recognize them. However, with the prevalence of online lending, it is believed that relevant measures will be formulated and implemented in time.

Can others borrow money with the front and back of my ID card and my ID card photo?

Perhaps, according to normal regulations, even if you get a copy or photo of someone else's ID card, you can't get a loan, and you need the authorization of the data owner.

Mr. Hu, a senior industry insider, said that there are indeed some companies in the society that can provide loans, and there are irregular operations. Their pre-lending procedures may be very simple, and only the lender needs to transmit identity information through the network, which brings trouble to the data owner. So pay attention to protect your identity information, and don't disclose it to others easily.

Extended data

The person in charge of a branch in Xi 'an, a bank, said that the data preparation and operation process of the loan are becoming more and more strict and complete. In the application stage, it is necessary to provide not only the purpose and general flow of funds, but also detailed information such as personal identity and income. Personal loans can only pledge loans and credit loans, and need to pledge certain value of physical objects and securities.

After approval, when handling the loan formalities, the lender needs to go to the bank in person, fill in the loan information and sign it, and take photos in the bank monitoring area to leave a certificate. The person in charge said that after completing these processes, the bank actually does not need to pay too much attention to how the lender uses the funds after getting the loan, because once the lender is unable to repay, it can repay the bank's losses through the disposal of the pledge.

People's Network-Can others borrow money with your ID information? The truth is frightening?

Will the notes on the front and back of the ID card not be used for loans and credit cards?

It's possible. If someone else takes the front and back photos of your ID card and bank card, it is not good to make some loans or mortgages for you, so the ID card must be kept well. Don't give it to others or lend it to others easily. Maybe your bank card can easily withdraw all your money, which is not good for you. Go to the bank and talk about your situation. You can change a bank card and report the loss of your ID card. Only when you get a new ID card can you get the money in the bank card.

Everyone's ID card information is unique and plays a unique role in our daily life. For example, when we travel, take transportation or choose to stay in a hotel, we need our ID information at this time. Without ID information, it can be said that we will become unable to move in society. Many people have such a question, if you give the positive and negative information of your ID card to others, will it bring you security risks?

The answer is definitely yes. If you tell your ID card information to strangers easily, it is likely to bring unimaginable influence to yourself. Because there are so many things you can do on the front and back of your ID card, for example, you can register some social accounts for fraud, and even break the law to some extent. Although I didn't do it myself, I did it with my ID card information, so it will also affect myself to some extent.

You can also use the information on the front and back of your ID card to register online loans on some platforms. If others use their ID card information to handle these businesses, the final consequences will still be borne by themselves. Therefore, it is extremely important to fully protect your identity information. When traveling, you will often hear the tips on the radio, pay attention to protecting your privacy, and remember not to lend your ID card to others.

If your ID card information is unfortunately leaked, you must file with the relevant departments in time and collect your own evidence in advance. This will not affect you when something happens. If your ID card is accidentally lost, you should report it to the relevant department in time to eliminate these security risks in the first time. In the era of high transparency of big data, everyone's personal privacy must be protected, not only for themselves, but also for others and the whole society.