Generally, it is civil liability for breach of contract. However, if the loan cannot be repaid, it may be more easily identified as illegal possession, and thus more easily identified as a loan.

Second, do you have to bear legal responsibility for fabricating loan reasons for others?

It should be. Don't make up other reasons for the loan.

Third, do you have to bear legal responsibility for helping customers forge sales contracts to defraud bank loans?

This is a loan crime.

The crime of loan refers to the act of making up false reasons such as introducing funds and projects, using false economic contracts, false certificates, false certificates of property rights as guarantees, repeatedly guaranteeing beyond the value of collateral, or lending a large amount of money to banks or other financial institutions in other ways.

Article 193 of the Criminal Law stipulates that under any of the following circumstances, anyone who borrows a large amount from a bank or other financial institution for the purpose of illegal possession shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) fabricating false reasons such as introducing funds and projects;

(two) the use of false economic contracts;

(3) using false documents;

(four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral;

(5) Loans in other ways.

4. Will you bear legal responsibility for providing false information for a friend's loan?

Hello, if it is a loan from a bank or financial institution, it constitutes a loan crime. 1) fabricate false reasons such as introducing funds and projects; (two) the use of false economic contracts;

(3) using false documents;

(four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral;

(5) Loans in other ways.

If the borrower constitutes a crime, the family member who provides help may constitute an accomplice.

Without property, there is property to pay off debts. If not, if it really constitutes criminal responsibility, it will be sentenced to several years. In this case, the person who helps is an accessory and needs to bear a certain proportion of responsibility.