1, the driver's license cannot be used as a loan, and the driver's license can be used as one of the materials for handling the loan. The driver's license is only used to prove the driver's qualification, but it can't prove the driver's credit status and can't borrow money. Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method.

2. Legal basis: Article 7 of People's Republic of China (PRC) Commercial Bank Law.

When a commercial bank conducts credit business, it shall strictly examine the borrower's credit standing and guarantee to ensure that the loan can be recovered on schedule. Commercial banks recover the due principal and interest of loans from borrowers according to law, which is protected by law.

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Commercial banks may engage in some or all of the following businesses:

(1) Absorbing public deposits;

(2) Short-term, medium-term and long-term loans;

(3) Handling domestic and international settlement;

(4) Handling bill acceptance and discount;

(5) Issuing financial bonds.

(6) Acting as an agent to issue, honor and underwrite government bonds;

(7) buying and selling government bonds and financial bonds;

(eight) engaged in interbank lending;

(9) Acting as an agent for buying and selling foreign exchange;

(ten) engaged in bank card business;

(eleven) to provide letter of credit services and guarantees;

(12) Agency payment and insurance agency business;

(thirteen) to provide safe deposit box services;

(14) Other businesses approved by the State Council Banking Regulatory Authority.

The business scope shall be stipulated in the articles of association of the commercial bank and reported to the the State Council Banking Regulatory Authority for approval.

With the approval of the People's Bank of China, commercial banks can engage in foreign exchange settlement and sale business.

2. What are the conditions for applying for a loan?

Conditions for applying for a loan:

1, 18 to 65 years old natural person;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information, no bad records, and legal use of the loan;

5. Meet other conditions stipulated by the bank.