You can go to ICBC and ask them why they don't handle this loan business in person. Loan business generally needs to be handled in person, which is illegal. If ICBC can't give a reasonable explanation, it can go to the banking regulatory bureau or the People's Bank of China to complain. ICBC is definitely responsible for this matter. If your friend doesn't pay back, or doesn't pay back on time, it will affect your personal credit information. I just can't get loans and credit cards. You can also sue your friend+ICBC.