Others can't use my information to make online loans. Online loans must be applied by myself with my own information, and using other people's information may constitute a crime. Moreover, it is very difficult to use other people's information for online lending in reality, because in the application stage, not only the purpose and general flow of funds, but also detailed information such as personal identity and income should be provided. Personal loans can only pledge loans and credit loans, and must pledge certain valuables and securities. When handling the loan procedures, the lender needs to go to the bank in person, fill in the loan information and sign it, and take photos in the monitoring area of the bank to leave a certificate. Online lending, mbth is Internetlending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry.