First of all, the parties who know and help others borrow money in their own name need to bear the corresponding repayment responsibilities, and those who fail to repay need to bear the corresponding civil liability for breach of contract; If you borrow money without knowing it, you don't have to bear the repayment responsibility. If the parties agree to make a loan for others in their own name and sign a loan contract, they are legally deemed to be jointly and severally liable for the loan and jointly liable for repayment of the loan, that is, if others refuse to repay the loan, the responsibility shall be borne by the parties. After the parties bear the repayment responsibility, they can recover from the actual lender. If a party does not know that someone else borrowed money in its name and has not signed any loan contract, it may provide proof of ignorance and bring a lawsuit to the court to confirm that the loan contract is invalid. In this case, the parties need not bear any responsibility.

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

Article 523 Where the parties agreed that the third person should perform the debt to the creditor, and the third person failed to perform the debt or the performance of the debt did not conform to the agreement, the debtor shall be liable for breach of contract to the creditor.

Article 524 Where the debtor fails to perform the debt and a third person has a legitimate interest in performing the debt, the third person has the right to perform it on his behalf. However, unless it can only be performed by the debtor according to the nature of the debt, the agreement of the parties or the law. After the creditor accepts the performance of the third party, its creditor's right to the debtor is transferred to the third party, unless otherwise agreed between the debtor and the third party.