cannot

Don't worry about this. They can't borrow money online if their ID cards are lost and found by others. At present, the peer-to-peer lending platform needs face scanning, which means it is useless to upload an ID card only by inputting the ID number. You also need to recognize faces. Even if the lending platform is willing to lend money, it needs to bind the bank card. The identity card information of bank cards should be consistent. If the information does not meet the requirements of the lending company, it will not lend. Binding a bank card requires a verification code. This mobile phone number must be reserved when handling the bank card at that time, in order to receive the verification code of the bank card. These three conditions are indispensable. If the loan is successful, the loan platform needs to be audited, so it is impossible for the other party to successfully borrow online with only one ID card.

Can I get a loan if my ID card is lost and found?

It is legally impossible to get the ID card back when it is lost. However, with the rise of various online loans, the audit threshold of many online loans is not strict, and accidents may occur and loans will be successful.

1. cannot be legally processed.

According to the Interim Measures for the Administration of Personal Loans, lenders and lenders should investigate and verify the contents, relevant information, authenticity, accuracy and completeness of personal loan applications after accepting them.

Moreover, to apply for a bank loan, you must bring an ID card, and you also need to provide household registration books, income certificates and other relevant certificates. There is no way to apply for a loan if you just get an ID card.

2. It may be successful, online loan.

Online lending platforms are mixed, and formal online lending platforms will have a strict review mechanism, which requires not only people to provide ID cards but also facial recognition. If the witness cannot be combined, you can't apply for a loan. However, there are many small lending platforms, and their audit mechanism is very simple and full of loopholes, which makes it easy for people to have the opportunity to successfully apply for loans with simple ID cards.

Don't panic if someone looks for an ID card to apply for deposit and loan.

The law clearly stipulates that if a resident's identity card is fraudulently used by others, the fraudulent user and the relevant departments should bear corresponding legal responsibilities, and those who lose their identity cards do not need to bear corresponding responsibilities for their unimplemented behavior. It can be seen that if someone finds an ID card, we don't need to repay the loan.

4. What should I do if I lose my ID card?

If you find that your ID card is lost, you should report it to the public security bureau where your household registration is located with your household registration book, and report it in the newspaper.

You need to reissue your ID card after reporting the loss. It is necessary to bring the household registration book to the public security bureau where the household registration is located and pay the relevant fees to reissue it.

If it really happens that the ID card is fraudulently used for loans, you should call the police in time and protect yourself with legal weapons.

I lost my ID card. Has anyone else found a loan or secured loan?

1. Theoretically, if someone else takes your ID card and you are not there, you can't get a loan or take you as a guarantor. In fact, if someone else takes your ID card and you are not present, you can get a loan or take you as a guarantor. Because: A, the person who takes your ID card may look like you. B, there is a mole inside the bank, deliberately negligent. 3. Once found, call the police immediately, and the police will inform the bank. So you avoided the risk. If there is evidence that you know this situation, but you didn't call the police, you authorized it by default. You must bear all the consequences.

Answer in March 2022-17

What if I lose my ID card and get a loan?

What if I lose my ID card and get a loan?

1. When answering questions from netizens, the Ministry of Public Security made it clear that citizens do not need to report the loss or publish a statement after losing their ID cards. If the resident ID card is lost and used by others, the user and the examination department shall bear corresponding legal responsibilities, and the person who loses the ID card shall not bear any responsibilities.

2. To sum up, if the ID card is lost, there is no fault for fraudulent use, and no responsibility is required. Fraudulent users and censorship departments should bear corresponding legal responsibilities;

I lost my ID card. What should I do if someone takes it for a loan?

Basic knowledge of ID card loan:

1. In compliant banks and companies, I am required to hold the original ID card before lending.

2. In an illegal loan company, it is possible to get a loan if the loan process is not up to standard.

If you are worried about whether your ID card will be used for loans, there are some ways to check.

1. You need to provide your ID card and a copy to check your credit report through the bank outlets designated by the People's Bank of China.

2. Self-service inquiry of credit report through the website of Credit Information Center of China People's Bank requires information such as ID card, mobile phone number and bank card. After the inquiry is successful, the credit report can be obtained within 24 hours.

The credit report contains detailed information such as work information, residence information, loan information, loan amount, monthly payment, overdue situation and credit card situation, so that users can clearly understand their credit status.

If you find that your ID card has been borrowed, there are several ways to solve it.

1. Call the local police to prevent the loss of funds and control the development.

2. Through borrowers and lending companies, they are suspected of illegal business operations and infringing on the economic rights of others.

Since our own information is more important, we have a suggestion.

1. Don't disclose your identity information, company business license information, telephone number information, etc. May be used for illegal loan purposes.

2. Don't expose your important information on the Internet and social media, so as not to bring economic losses to relatives, friends, classmates and colleagues.

What if someone else finds an ID card and takes it to get a loan?

When applying for a loan, the materials that the lender needs to prepare are divided into the following categories:

1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide proof of stable income source: bank flow sheet, labor contract, etc.

3. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other relevant certificates;

4. Other information stipulated by the bank.

/kloc-I lost my 0/8 ID card. Will the person who finds it accept the loan?

If you lose your ID card, you should reissue it as soon as possible.

There is no better way.

If your ID card is found by others, there is such a security risk.

I lost my ID card. Will someone else find a loan?

Won't it? I can't. If possible, China is in chaos. So many people lose their ID cards every day, but I suggest you report the loss and reissue one!

Hope to adopt

What should I do if I lose my ID card or do something illegal?

If you lose your ID card, you should report it to the police immediately.

You can't borrow money from your newly found ID card. After you report the loss to the police station, anything that happens to your ID card has nothing to do with you.

I lost my ID card. Can others borrow money to do illegal things?

You can apply for a new ID card at the police station, and there is no need to report the loss, because now I bring my ID card to handle some business, and it is difficult for people who find it to use your ID card to handle illegal things. If it is handled, it has nothing to do with you if the accepting unit is not serious. You can go to the police station for consultation when you apply for a new ID card.

Will someone get a loan if I lose my ID card?

It is possible, but not responsible.

The Ministry of Public Security pointed out in its comprehensive reply to the relevant questions about the loss reporting and replacement of resident identity cards that resident identity cards are the legal identity documents of citizens, and their main function is to prove their identity when engaging in relevant activities. When a citizen uses a resident identity card to prove his identity, all relevant departments have the obligation to check the consistency of the witness card, and can handle relevant business for the holder only after it is confirmed to be correct. If a resident's ID card is lost and is fraudulently used by others, the fraudulent user and the relevant departments should bear corresponding legal responsibilities, and the person who lost his ID card is not responsible for the behavior that he did not implement. The Law on Resident Identity Cards also clearly stipulates that anyone who fraudulently uses another person's resident identity card shall be fined between 200 yuan and 1,000 yuan by the public security organ or detained for less than 10 days. If there are illegal gains, the illegal gains shall be confiscated.

What should I do if my ID card is taken for a loan? urgent

Are you sure it's the bank, because the loan requires not only an ID card, but also a lot of formalities and investigations. . . So, if there is really no, don't worry, or you can call the police directly!

Can I get a loan if I lose my ID card and someone else finds it?

I have to sign the loan myself, and an ID card is useless.

I lost my ID card and someone else found it. Can they get loans online?

It is possible, but the loan review is still relatively strict and may not be successful, but the ID card is our personal belongings and an important object to prove our identity. Therefore, when our ID card is lost, we should go to the public security bureau for the record in time, and then explain the specific situation and reissue the ID card.

When applying for online loan, you usually need to download an online loan app on your mobile phone, and then enter your company address, home address and other information, which may be tampered with. After filling in the information, you will enter the real-name authentication stage. At this time, online lending platforms often require loan applicants to brush their faces for verification. If the face-brushing information is inconsistent with the photo on the ID card, it is difficult to move on to the next step. At this time, the online loan application will fail.

Because after all, it's our personal ID card, our home address, our detailed address and ID number. If some criminals find out, they can still find some more important information through some special technical means, such as finding out where we are now, where we live and where we work, and then they will harass our families or our friends in some ways. Mainly use your identity, and then borrow money from friends. Your friends may think that you may really be in trouble, so they gave the money to another liar. In this case, our reputation will go bad, and we will lose our friends' money. Therefore, in order to avoid this kind of behavior, we should report to the police or register with the public security bureau in time, cancel the previous ID card in time, and then apply for a new ID card.

When we accidentally lost our ID card on the train or plane, we can't go to the police station to reissue it at this time. We should go to the staff in high-speed railway station in time. Generally, there will be a police station next to high-speed railway station or the airport station, which can help us to reissue our ID cards temporarily.

I lost my ID card. Can someone else find a loan?

If you lose your ID card and get it back, you can't get a loan. If you use someone else's ID card to get a loan, it is a loan, which will constitute a crime.

Bank loans must be handled at the bank with my ID card, and relevant certificates such as household registration book and income certificate should be provided. It is impossible to apply for a loan only by ID card. At the same time, when citizens use resident identity cards to prove their identity, the departments that use relevant documents are obliged to check the consistency of people's cards. Therefore, the bank will also verify the ID card information and then handle related business for the holder.

The platform needs face scanning, which means that it is useless to upload an ID card only by inputting the ID number, and face recognition is also needed. Even if the lending platform is willing to lend, it needs to bind the bank card. The bank card ID card information should be consistent, and the loan company will not lend money if the information does not meet the requirements. Binding a bank card requires receiving a verification code. This mobile phone number must be reserved when handling the bank card at that time. These three conditions are indispensable for the loan platform to succeed.

Article 193 of the Criminal Law of People's Republic of China (PRC) is under any of the following circumstances: whoever borrows money from a bank or other financial institution for the purpose of illegal possession, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; The amount is especially huge or there are other particularly serious circumstances.

(1) fabricating false reasons such as introducing funds and projects,

2. Using false economic contracts,

(3) Using false certification documents,

(4) using false property rights certificates as collateral or repeatedly guaranteeing beyond the value of collateral,

(5) Loans in other ways.