The details of this matter.
Not long ago, Ms. Wang received an inexplicable dunning from the bank. It turned out that her identity was fraudulently used and she borrowed more than RMB 1000 from the bank. Since the bank card is not bound to Ms. Wang's mobile phone number, Ms. Wang does not think it is necessary to pay back the money. It was initiated for a long time, and the bank finally took Ms. Wang to court, demanding that Ms. Wang pay off the principal and interest and overdue interest. It turns out that the other party can apply for a loan because the similarity between the manager and Ms. Wang has reached 70%. Originally, I needed to be present to apply for a loan, but the staff mistakenly thought that the other party was me, which was a success.
My opinion on this matter.
Although the bank handled bank cards and loans in strict accordance with the regulations, due to imperfect face recognition, the impostor was directly identified as Ms. Wang, which is the main reason. The ID card held by the other party has been reported as early as two months ago, and the mobile phone number is not Ms. Wang herself. Therefore, in principle, the issuer cannot be considered as Ms. Wang. This behavior is sporadic, because not everyone who finds an ID card looks like the person on it.
How to prevent this from happening?
First of all, you should take good care of your personal ID card and don't lend it to anyone. When you print your ID card, you need to indicate the purpose on the paper. If it is lost, report the loss immediately and handle it again. In addition, banks should also improve the bank card processing process. For example, I have to bind my mobile phone number, and I refuse to apply for an ID card that has been reported lost. The recognition function of human beings has been further improved, and now there are more and more twins, so it is inevitable that someone will impersonate them.