In China, it is generally impossible to lend only personal information, but this is not absolute. Some informal lending platforms will lend at will. However, don't worry about getting a loan, because it has nothing to do with yourself. First, personal information is leaked. What should I do if someone else applies for a loan? Then I need to contact the lending institution, clarify the situation and ask them to stop lending. If you have already borrowed money, you don't have to bear the responsibility of repayment. You can bring a lawsuit to the court. Because someone else steals your information to make a loan without your knowledge, and the loan institution is not strict in auditing and no problems are found, then you don't have to bear any responsibility. Second, how to prevent the disclosure of personal information? 1. Choosing a reliable platform With the advent of the e-commerce era, the words marketing and users have been paid more and more attention, the competition has become more and more fierce, and new platforms have been born. I believe that everyone must have encountered the situation that the new platform engages in preferential activities to attract users. It is a very common marketing method. When we choose, we'd better know about it first, even if it's just to search the qualifications of the platform online. 2. Don't trust foreign information, and don't voluntarily disclose personal information. I have often seen some special forms of fraud recently. The other party can only get more information from you if they have certain information, such as strange calls and verification codes. , or through some online instant chat tools, through some means, or even intimidation, directly or indirectly obtain your personal information. 3, the use of security software, the use of security software is also very necessary, even if it seems to treat hooligans according to netizens' jokes, at least it helps users avoid a lot of conventional information leakage, and the advantages outweigh the disadvantages as a whole. 4. Restrain your curiosity Many times, when a mobile phone receives information or an address or link sent by some online chat tools, please don't open it if you are not sure of its source or doubt its security, so as to prevent it from invading your personal computer or stealing your personal information. Third, the harm of personal information disclosure? 1. spam messages believe this, and everyone suffers. Now I receive a lot more spam messages every day than in previous years. A large part of the reason is that our personal information has been leaked. Pay more attention when filling in personal information, otherwise it is easy to reveal our personal privacy information. 2. Spam: Every day, my private mailbox is slowly filled with junk mail, which leads to the failure to see normal mail in time and will bring great trouble to our work, and these junk mails are mainly sales promotion mails. The credit card is overdrawn. People may not pay much attention to the security of personal information. As we all know, after your information is leaked, someone may use your information to apply for an ID card, and then maliciously overdraw your credit card, resulting in your low credit, which will have an unpredictable impact on your future bank loans and mortgages. So don't lend your certificate to others. 4. If the criminals use your identity information to do something bad after the litigation information is leaked, the Ministry of Public Security may invite you to drink two cups of tea, and you may not know why. Criminals may cheat. When you watch the news, you will notice that criminals use your information to defraud relatives around you. This is the most disgusting thing, and friends around you may be caught if they are not careful. According to the law, if a borrower finds that his personal information is leaked and is applied for a loan by others, he needs to contact the lending institution, explain the situation clearly and ask him to stop lending. If you have already borrowed money, you don't have to bear the responsibility of repayment. You can bring a lawsuit to the court.

Legal objectivity:

Article 13 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases shall be deemed invalid by the people's court under any of the following circumstances: (1) Borrowing from financial institutions; (2) Lending money from other profit-making legal persons, raising funds from employees of the unit or illegally absorbing funds from public deposits; (3) Lenders who have not obtained the loan qualification according to law provide loans to unspecified social objects for the purpose of making profits; (four) the lender knows or should have known in advance that the borrower's loan is used for illegal and criminal activities, but still provides loans; (5) Violating the mandatory provisions of laws and administrative regulations; (6) Violating public order and good customs.