1. Can "ID card number face recognition" really help you get a loan?

The function of the third-generation ID card is under development. The current generation ID card is still the second-generation ID card, and fingerprint information has been newly added. The implementation of the third-generation ID card may actually be able to get loans.

2. Can you get a loan with your face and ID card?

Legal analysis: You cannot get a loan with your ID number and face recognition. Bank loans require a stable source of repayment and Good credit information or collateral with clear property rights and sufficient value that can be easily converted into cash, such as real estate, vehicles, etc.

Legal basis: "General Principles of Loans"

Article 17 The borrower shall be an enterprise (public institution) legal person, other legal person, etc. that has been approved and registered by the industrial and commercial administration authority (or competent authority). Economic organizations, individual industrial and commercial households or natural persons with the nationality of the People's Republic of China and full capacity for civil conduct. To apply for a loan, a borrower must meet basic conditions such as a marketable product, profitable production and operation, no misappropriation of credit funds, and abide by credit, and must meet the following requirements:

1. Have the ability to repay principal and interest on time ability, the original loan interest payable and due loans have been paid off; if they have not been paid off, a repayment plan approved by the lender has been made.

2. Except for natural persons and institutional legal persons that do not need to be approved and registered by the industrial and commercial department, annual inspection procedures must be completed by the industrial and commercial department.

3. A basic account or general deposit account has been opened.

4. Except as stipulated by the State Council, the cumulative amount of external equity investments of limited liability companies and joint stock companies shall not exceed 50% of their total net assets.

5. The borrower’s asset-liability ratio meets the lender’s requirements.

6. When applying for a medium-term or long-term loan, the ratio of the corporate owner's equity of the new project to the total investment required by the project shall not be lower than the capital ratio of the investment project stipulated by the state.

Article 20 Restrictions on Borrowers:

1. No loan may be obtained from two or more branches of the same level within the same jurisdiction of one lender.

2. Balance sheets, profit and loss statements, etc. that are false or conceal important facts are not allowed to be provided to lenders.

3. Loans are not allowed to be used for equity investments, unless otherwise stipulated by the state.

4. Loans are not allowed to be used for speculation in securities, futures, etc.

5. Except for borrowers who have obtained the qualification to operate real estate in accordance with the law, no loans may be used to engage in real estate business; borrowers who have obtained the qualifications to operate real estate in accordance with the law may not use loans to engage in real estate speculation.

6. Loans are not allowed to be used to obtain illegal income.

7. Loans shall not be used in violation of national foreign exchange control regulations.

8. Do not use fraudulent means to obtain loans.

3. Can I get a loan using my ID number and facial recognition?

Traditional institutions (such as banks) must go to a store to obtain a loan, and face recognition verification under the Internet financial model is also a biological examination under certain requirements, not a simple face scan and photo, so "identity verification" The situation where “certificate number and face recognition = fake someone else’s loan” is unlikely to be realized.

4. Hello, I would like to ask if you can get a loan with only your ID number and portrait authentication?

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