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Is it illegal to guide others to borrow money?
Legal analysis: it may constitute an instigator of fraud.

Legal basis: People's Republic of China (PRC) Criminal Law.

Article 29 A person who instigates others to commit a crime is an instigator. In the theory of criminal law, the so-called instigator refers to the person who instigates others to commit crimes intentionally.

Article 353 Whoever lures, instigates or deceives others to take or inject drugs shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance and shall also be fined; If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.