Legal analysis: Without my knowledge, others can immediately call the police to prove that they have not asked for a loan, and investigate those who use their personal identity to avoid personal losses. The loan review in China is also very strict. Loans that are not applied for by me are not allowed to pass, otherwise it will be illegal.

Legal basis: Interim Measures for the Administration of Personal Loans.

Article 13 After accepting the borrower's loan application, the lender shall perform the duty of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.

Article 14 The loan investigation includes but is not limited to the following contents:

(1) Basic information of the borrower;

(2) the income of the borrower;

③ loan purpose;

The repayment source, repayment ability and repayment method of the borrower;

(5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral and liquidity.