Legal analysis: the borrower knows that the borrower has borrowed in his own name and should bear the repayment responsibility. If the borrower doesn't know that others don't lend, the actual borrower may be suspected of loan fraud. If you know that others borrow money in their own name and repay it when it is due, it may constitute the crime of loan fraud with the actual borrower.

Legal basis: Article 175 of the Criminal Law of People's Republic of China (PRC) obtains loans from banks or other financial institutions by deception, causing heavy losses to banks or other financial institutions or other serious circumstances, which constitutes the crime of defrauding loans. The borrower borrowed money from the bank under a false name, which obviously concealed the true purpose of the loan and belonged to "obtaining a bank loan by deception". Once the borrower fails to repay the loan at maturity, causing heavy losses to the bank or other serious circumstances, the borrower may constitute the crime of defrauding the loan.