Legal analysis: Generally speaking, a bank loan contract cannot be signed on behalf of the borrower, but should be signed and sealed by the borrower. However, if someone else signs on behalf of the borrower, it can be regarded as the name of the borrower's entrusted agent and its consent to the agency. The loan contract is valid.

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

Article 161 A civil subject may carry out a civil juristic act through an agent. In accordance with the provisions of the law, the agreement of the parties or the nature of civil legal acts, civil legal acts that should be implemented by themselves shall not be represented.

Article 162 A civil juristic act carried out by an agent in the name of the principal within the scope of his agency authority is effective for the principal.

Article 679 A loan contract between natural persons is established when the lender provides the loan.