Legal analysis: after discovering that you have been maliciously loaned by others, first take the initiative to negotiate with the lending institution that handles loans or credit cards; If the institution refuses to solve the problem or the parties demand compensation for the losses caused by bad credit records, they may also bring a lawsuit to the people's court. If the situation is true, lending institutions will generally help solve it for their own reputation. When suing for evidence, the parties only need to go to the authoritative department for handwriting identification to prove that the signature on the loan contract is not their own.

Legal basis: opinions on handling criminal cases of illegal lending: 1. Whoever, in violation of state regulations, without the approval of the regulatory authorities, or beyond the scope of business, regularly provides loans to unspecified social objects for the purpose of making profits and disrupts the order of the financial market, if the circumstances are serious, shall be convicted and punished for the crime of illegal business operation in accordance with the provisions of Item (4) of Article 225 of the Criminal Law.

The term "regularly granting loans to unspecified social objects" as mentioned in the preceding paragraph refers to granting funds to unspecified people (including units and individuals) in the form of loans or other names for more than 10 times within two years.

If the repayment period is extended after the loan expires, the number of loan issuance shall be calculated as 1 time.