360 IOUs to send registration verification SMS, not operated by myself. Will this situation be loaned by others in their own name?

No, if the verification code is not known to others, others cannot use your identity information for loan work. If there is anything in the future, it is better to handle it carefully.

360 IOUs:

It is the first personal consumer credit product under 360 Finance, which can provide a loan amount of up to 200,000 yuan according to the user's personal credit status.

In terms of credit granting methods, 360 IOUs rely on the Internet security technology and big data technology of 360 companies to establish user portraits, access the central bank's credit information system, and grant loan lines.

As a consumer credit platform of 360 Finance, 360 IOUs are also open to other financial institutions and can jointly provide consumer loan services in the future.