If it is illegal, it may need to bear corresponding legal responsibilities, and the public security organ will impose a fine of more than 200 yuan 1000 yuan, or an administrative penalty of detention for less than 10 days. If it can be proved that the loan is used for husband and wife's life or production and operation, then it belongs to husband and wife's joint debt, and the wife should bear joint and several liability for repayment. However, if it cannot be proved that the loan is used for husband and wife's life or production and operation, the wife shall bear the responsibility.

legal ground

Article 17 of the People's Republic of China (PRC) Identity Card Law

Anyone who commits one of the following acts shall be fined by the public security organ from 200 yuan to 1000 yuan, or detained for 10 days. Illegal income, confiscate the illegal income:

(a) using another person's identity card or using a forged identity card;

(2) buying, selling or using forged or altered identity cards. Forged or altered identity cards and fraudulent identity cards shall be confiscated by public security organs.