Legal analysis: the data preparation and operation process of loans are becoming more and more strict and complete. In the application stage, it is necessary to provide not only the purpose and general flow of funds, but also detailed information such as personal identity and income. Personal loans can only pledge loans and credit loans, and need to pledge certain value of physical objects and securities. After approval, when handling the loan formalities, the lender needs to go to the bank in person, fill in the loan information and sign it, and take photos in the bank monitoring area to leave a certificate. The person in charge said that after completing these processes, the bank actually does not need to pay too much attention to how the lender uses the funds after getting the loan, because once the lender is unable to repay, it can repay the bank's losses through the disposal of the pledge.

Legal basis: People's Republic of China (PRC) Identity Card Law.

Article 7 A citizen shall, within three months from the date of reaching the age of 16, apply to the public security organ where his permanent residence is located for a resident identity card. Citizens under the age of 16 shall apply for resident identity cards by guardians.

Article 8 A resident identity card shall be issued by the public security organ of the people's government at the county level where the resident's permanent residence is located.

Article 10 To apply for a resident identity card, a registration form for applying for a resident identity card shall be filled in and a residence booklet submitted for examination.