Legal analysis: unless I sign it, the loan is invalid. A loan contract is also a kind of contract. Without my signature, I didn't authorize others to sign it. The loan contract is invalid for me, and I don't need to undertake contractual obligations. If the lender urges me to confirm whether to sign, if I don't confirm, it will be deemed that I refuse to ratify others' signatures on my behalf.

Legal basis: Article 490 of the Civil Code of People's Republic of China (PRC). If the parties enter into a contract in the form of a contract, the contract shall be established when the parties sign, seal or press their fingerprints. Before signing, sealing or fingerprinting, one party has fulfilled its main obligations, and the contract is established when the other party accepts it. A contract shall be concluded in written form as stipulated by laws, administrative regulations or agreed by the parties. If the parties do not do this in writing, but one party has fulfilled its main obligations and the other party accepts it, the contract is established.