Legal analysis: the bank loan contract is invalid under the following circumstances: 1, one party concludes the contract by fraud or coercion, which harms the national interests; 2, malicious collusion, damage the interests of the state, the collective or the third party; 3. Covering up illegal purposes in a legal form; 4, damage the public interests; 5. Violation of mandatory provisions of laws and administrative regulations. These bank loan contracts are invalid. The inconsistency between the lender and the actual user will not lead to the invalidity of the loan contract, unless the loan contract has agreed to use it, but it has not been used in practice.

Legal basis: The following exemption clause in Article 506 of General Principles of Civil Law of People's Republic of China (PRC) is invalid:

(1) Causing personal injury to the other party;

(2) Causing property losses to the other party due to intentional or gross negligence.