Legal analysis: It is an illegal act. The loan contract must be signed by the borrower. Without his signature, the contract is invalid. If this happens, you can sue. A loan contract is a form of economic contract. That is, the lender will deliver the currency to the borrower for use, and the borrower will return a certain amount of currency and its interest to the loan on a scheduled basis in accordance with the relevant regulations and the mutual rights and obligations determined by the loan.

Legal basis: Article 668 of the "People's Republic of China and Civil Code" A loan contract shall be in writing, except where there is a separate agreement on the loan between natural persons. The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.