1, resulting in a bad credit record;
2, need to bear the corresponding legal responsibility;
3. The longest retention time of personal bad credit records is five years.
Once the identity card is lost or stolen, it should be reissued in time. According to the relevant regulations, in this case, it is not necessary to bear the responsibility of fraudulent use, and the card-using department needs to bear the responsibility of audit; Because the identity card was used as a credit card by criminals after it was lost, the bank suffered property losses, which was beyond the control of the parties. Although the parties have the obligation to keep the identity documents, the bank should have fulfilled the obligation of examination when handling loans for individuals, including whether the identity cards are used by themselves and the authenticity of the identity cards. If the identity card is stolen by others, the bank successfully handles the loan, and the bank fails to fulfill its review obligation, the bank shall bear the main responsibility for the consequences.
Article 17 of the Law of the People's Republic of China on Resident Identity Cards commits one of the following acts, and the public security organ shall impose a fine of more than 200 yuan and less than 1,000 yuan, or detain it for less than 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.
Article 19. If the staff of state organs or financial, telecommunications, transportation, education, medical and other units disclose the personal information of citizens recorded in resident ID cards obtained in the course of performing their duties or providing services, which constitutes a crime, criminal responsibility shall be investigated according to law; If the case does not constitute a crime, it shall be detained by the public security organ from 10 to 15 and fined 5000 yuan. If there are illegal gains, the illegal gains shall be confiscated.
If a unit commits the acts mentioned in the preceding paragraph, which constitutes a crime, it shall be investigated for criminal responsibility according to law; If it does not constitute a crime, the public security organ shall detain the directly responsible person in charge and other directly responsible personnel for more than 10 and less than 15, and impose a fine of more than100000 yuan and less than 500000 yuan. If there is illegal income, the illegal place shall be confiscated.
Whoever commits the acts mentioned in the preceding two paragraphs and causes damage to others shall bear civil liability according to law.
Article 175-1 of the Criminal Law of People's Republic of China (PRC) shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also, or shall only, be fined; Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.
If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.