Resident identity card is a valid document to prove the identity of residents and show who I am. It can only be used by everyone, and it is not allowed to lend it to others. Banks or credit companies cannot identify individuals only by their resident ID cards.

Where a loan is entrusted, a power of attorney shall be issued separately, stating the entrusted matters, the entrusted authority and the scope. If someone fraudulently uses an ID card to make a loan, the owner of the ID card should bear the responsibility of not keeping the certificate well and will be punished according to the Regulations on Administrative Penalties for Public Security. However, if you use someone else's ID card to borrow money, you need to bear criminal responsibility such as malicious fraud. The ID card is the legal identification of every citizen. It is a legal contract for others to borrow money from the bank with your ID card. The parties to the contract are "you" and the bank. According to the relativity principle of the contract, the bank only regards you as the repayment person. Therefore, it is recommended not to lend your ID card to others for fear of getting into a lawsuit and damaging your own interests. If your ID card is stolen by others, you should call the police in time. Usually, after the ID card is used as a loan by others, the consequences that the individual needs to bear are:

1, the loan is not controversial. Usually, others use their ID cards to borrow money without the owner's knowledge. After the loan expires, the bank will come to the door and ask the parties to repay the loan amount.

2. In the event of a debt dispute, if the ID card owner finds that he is not being loaned, but being "loaned", a debt dispute will occur, and once the bank finds out, it will take the ID card holder as the defendant, so if it finds that an individual is being "loaned", it should choose to call the police at the first time.

3. Take the repayment obligation and then recover the loan. If the loan is not repaid in time, the bank will directly determine the owner. Usually, due to the lack of strong evidence, the owner of the ID card often loses the case. After losing the case, the ID card owner must first assume the obligation to pay off the debt. If it is not returned in time, the bank will recover the debt.

4. There will be a credit stain. If the actual borrower fails to repay the loan on time, the credit stain will be recorded in the name of the ID card holder.