1. Will I get a loan if I download the real-name authentication of Palm Life?

Download Palm Life, even if you have real-name authentication, you will not be loaned, because if you don’t get the loan yourself, you can’t get a loan just by relying on real-name authentication.

2. The other party on the mobile phone allows you to register various financial apps and have China Merchants Bank Palm Life...

Registering a bunch of financial apps will cause your personal information to be collected, which will definitely happen in the future. There is a certain risk, but formal financial platforms will not owe you a loan without your knowledge. If you register these apps for bounty, it is recommended to cancel these accounts after receiving the bounty and keep the evidence of cancellation. Nowadays, many software require real names because it is related to account security issues. To prevent others from using your account for loans, etc., do not tell others your ID card information.

3. Will real-name authentication and facial recognition be used for loans?

Real-name authentication and facial recognition will not be used to apply for loans. When users run real-name authentication, they may need to run face-scanning authentication. This authentication will be connected with the public security system. During the authentication process, the application information will not be used to apply for a loan. And even if you want to apply for a loan, the user must pass the real-name authentication. If the user does not pass the real-name authentication, there will be no loan limit on the loan page.

All loans must run real-name authentication, because only in this way can the identity of the lender be determined. Strictly reviewed loans will also require users to run face-swiping authentication. Face-swiping authentication is a dynamic authentication. If someone else forges identity information to apply for a loan, they will be discovered during the face-swiping authentication process, so that users will not have their identity information stolen to apply. loan.

If the user passes the face-scanning authentication, he or she has only completed the real-name authentication. If he or she wants to apply for a loan, he or she must submit a loan application. The lending institution will not automatically generate a loan.