One is to determine whether the borrower's signature on the loan contract is his own signature, and the other is to determine whether the loan has been paid to the borrower's account. If the loan contract is not signed by the borrower himself, but the loan has been paid to the borrower's account, it is not a good defense. This problem can be reflected to the banking regulatory bureau. If the bank doesn't sue you, you should not be able to sue for rights protection.