Legal analysis: you can't borrow it. First of all, this behavior violates the the State Council Order No.285 of the People's Republic of China: real-name registration system Provisions on Individual Deposit Accounts, which came into effect on April 1 2000.

Legal Basis: Article 6 of real-name registration system Municipality on Personal Deposit Account When opening a personal deposit account in a financial institution, an individual shall present his identity document and use his real name. When an agent opens a personal deposit account in a financial institution on behalf of others, he shall present the identity documents of the principal and the agent.