(a) establish a sense of credit, check the personal credit report regularly, and confirm that your credit is good and there is no fake loan. According to the Regulation on the Administration of Credit Information Industry, individuals have two free on-site inquiries every year, which can be made at branches of the People's Bank of China or self-service inquiry machines for personal credit reports. You can also use the Internet to register and inquire in official website, the Credit Information Center of the People's Bank of China. There is no charge for checking the credit report online for the time being.

(2) Be sure to take good care of important personal certificates and documents in daily life, such as ID cards, household registration books, credit cards, bank cards, income certificates, bank accounts, etc. You can't give these certificates and copies to others at will. If these copies or documents are used, the purpose and validity period must be indicated.

(3) If the ID card is lost, report it to the local public security organ in time and apply for a new ID card. At the same time, it should be registered in the public security invalid resident ID card information system to prevent the lost ID card from being fraudulently used.

(4) If there is a loan demand, we should choose a formal financial institution. At present, most banks require face-to-face contract signing, on-site photo taking, personal signature and telephone survey. When issuing loans, this greatly reduces the possibility of fake loans.

Extended data:

If you get a fake loan from others, you can do so.

(1) An impostor can file an objection application with the bank that handles the loan, requesting to investigate the loan situation, provide a copy of the loan contract and relevant credentials, and apply for legal appraisal if necessary to see whether to sign it. After investigation and verification, if it is a fake loan, the bank that issued the loan will eliminate the bad credit record.

(2) An impostor may also file an objection application or appeal with the local people's bank.

(3) If the loan issuing bank refuses to solve the problem, the impostor may bring a lawsuit to the people's court.