Legal analysis: There are two situations when someone else applies for a loan in the name of the party involved: 1. The other party steals the identity card and personal information to make the loan without knowing it and without consent. Not only can the party be sued He could also name the bank as a defendant. 2. If the other party obtains consent, the loan will be processed with the ID card and personal information. You cannot sue the other party for fraud. Because the two parties actually formed a loan relationship, and it was with their own consent. If there is an IOU, you can sue the court for repayment.
Legal basis: "Resident Identity Card Law of the People's Republic of China"
Article 16 Anyone who commits any of the following acts shall be given a warning by the public security organ and shall be fined two A fine of less than 100 yuan will be imposed. If there are any illegal gains, the illegal gains will be confiscated: (1) Using false certification materials to defraud the resident identity card; (2) Renting, lending or transferring the resident identity card; (3) Illegal seizure of other people's resident identity cards of.
Article 17 Anyone who commits any of the following acts shall be fined not less than RMB 200 but not more than RMB 1,000 by the public security organ, or detained for not more than ten days. If there is any illegal income, the illegal income shall be confiscated: (1) ) Pretending to use another person’s resident identity card or using a fraudulently obtained resident identity card; (2) Buying, selling, or using forged or altered resident identity cards. Forged or altered resident identity cards and resident identity cards obtained fraudulently shall be confiscated by the public security organs.
Article 18 Anyone who forges or alters a resident identity card shall be held criminally responsible in accordance with the law. Anyone who commits any of the acts listed in Articles 16 and 17 of this Law and engages in criminal activities shall be investigated for criminal responsibility in accordance with the law.