On the loan responsibility of using someone else's ID card to make a loan: A resident ID card is an effective document to prove the identity of a resident, which can only be used by all people, and it can neither be lent to others at will nor used by itself. 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, indicating the entrusted matters, entrusted authority and scope. If someone fraudulently uses an ID card to make a loan, the ID card owner will bear the responsibility of not keeping the certificate well and will be punished according to relevant laws. 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 banks. The parties to the contract are myself and the bank. According to the relativity principle of the contract, the bank only regards me as the repayment person. Therefore, it is recommended not to lend your ID card to others, so as not to go to court and harm your own interests. If someone steals your ID card, you should call the police in time.

legal ground

Article 16 of the Law of the People's Republic of China on Resident Identity Cards commits one of the following acts, and the public security organ shall give it a warning and impose a fine of not more than 200 yuan. If there is illegal income, the illegal income shall be confiscated: (1) obtaining a resident identity card by using false certification materials; (2) Renting, lending or transferring a resident identity card; (3) illegally detaining another person's identity card.