Nowadays, telecom fraud is frequent, and criminals often use false information to open accounts, buy and sell other people's bank accounts and other means to launder money and transfer stolen money. China Banking Association stated that "it is illegal to rent or lend bank cards, which may easily lead to the risk of subsequent theft. At the same time, if the leased or lent bank card is used for money laundering or other illegal trading activities, even if the cardholder does not know, he may bear joint and several liability. "