Legal analysis: If someone borrows money in your name, it should be handled according to the following situations: 1. If you agree to borrow money in your name and sign a loan contract, it will be regarded as your personal loan in law, and you should repay the loan principal and interest according to the loan contract. Others have no legal relationship with banks. If others refuse to repay, the responsibility is borne by themselves. After you assume the repayment responsibility, you can recover from the actual user. If you don't know that others borrow money in your name and you haven't signed any loan contract, you can raise an objection to the bank and bring a lawsuit to the court to confirm that the loan contract is invalid. In this case, you don't need to take any responsibility.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 119 A legally established contract is legally binding on the parties.

Article 131 When exercising rights, a civil subject shall fulfill the obligations stipulated by law and agreed by the parties.

Article 132 A civil subject may not abuse civil rights to harm the national interests, social public interests or the legitimate rights and interests of others.