It is illegal to borrow money without permission.

Unauthorized lending refers to the behavior of individuals or organizations engaged in loan business without permission or authorization. This behavior violates the financial supervision regulations and disrupts the order of the financial market, which may cause risks and losses to borrowers and lending institutions.

According to the Contract Law of People's Republic of China (PRC) and the Banking Supervision Law of the People's Republic of China, the loan business needs to have corresponding qualifications and conditions, and meet relevant laws, regulations and regulatory requirements. Individuals or organizations that engage in loan business without permission or authorization will be sanctioned and punished by law.

To sum up:

Lending without authorization is an illegal act, which violates the financial supervision regulations and disrupts the order of the financial market, and may cause risks and losses to borrowers and lending institutions. Therefore, individuals or organizations should abide by relevant laws, regulations and regulatory requirements when engaging in loan business to ensure legal compliance.

Legal basis:

Article 196 of the Contract Law of People's Republic of China (PRC) stipulates: "A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest."

Article 19 of the Banking Supervision Law of the People's Republic of China stipulates: "No unit or individual may engage in the business activities of banking financial institutions without the approval of the banking supervision institution of the State Council."

The above contents are for reference only. If necessary, it is recommended to consult a professional lawyer.