Because the money has to go through the bank.

1. Cases of loans and reasons

Category them according to the causes to see if there are any cases of loans that you are familiar with

1. Without your knowledge, your ID card was lost or a copy was used by criminals to get a loan

2. Someone familiar with you took advantage of your lack of loan knowledge to trick you into signing some documents, causing you to be loaned out. Loans

3. Many students apply for educational institutions or rent houses without carefully reading the business process, and sign some loan contracts that they do not understand and get loans

4. Some people do not understand the loan industry The legal responsibilities of the guarantor, the loan is overdue, and the guarantor is collected

5. Telecommunications fraud will be more rampant in 2020, fraudulent orders or other reasons for downloading loan software, and being loaned

Case 1 :

Media reports from major media platforms in the past two days: A Zhengzhou woman was asked to apply for a credit card while serving her sentence. Ms. Li, who finally found a boyfriend and prepared for a new life, asked for an explanation at the Agricultural Bank of China and suffered an emotional breakdown

The core question in this case is, how could she, who was imprisoned in 2007 and served in prison in 2009, get a credit card?

According to the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Article 38

The card-issuing bank shall publicly and clearly inform the applicant of the application materials that need to be submitted and basic requirements. The application materials must be signed by the applicant himself, and no card may be issued without the customer's knowledge or against the customer's wishes. The credit card supplementary card application materials accepted by the card-issuing bank must be confirmed by the main cardholder's personal signature, customer service call recording, electronic signature, or a method mutually recognized by the cardholder and the card-issuing bank.

So whether her ID card was lost or used fraudulently, the bank had a problem of negligence in approval. In a case like this, the money can be recovered and the overdue credit report can be repaired, but this It is really hard to guard against getting a loan.