Legal analysis: formal financial institutions have strict loan review, and few others steal their household registration books to apply for loans. And some informal institutions themselves want to get high interest returns, so the loan review is very lax. Once you find that your household registration book has been taken away by others to apply for a loan, you must call the police in time, and then cooperate with the police to actively collect evidence and strive to recover the losses as soon as possible. In addition, if I didn't sign the loan contract, then I don't need to bear any legal responsibility.

Legal basis: Article 20 of the Regulations on Household Registration in People's Republic of China (PRC): In any of the following circumstances, according to the seriousness of the case, the public security administration shall be punished or criminal responsibility shall be investigated: 1. Failing to declare household registration in accordance with the provisions of these regulations; 2. False registration; 3. Forge, alter, transfer, lend or sell the household registration certificate; 4. Fraudulent use of other people's accounts; 5. The hotel manager failed to register the passengers as required.