The legal consequences of signing a loan on behalf of others include civil liability and criminal liability. In terms of civil liability, fraudulent use of other people's signatures belongs to unauthorized agency. If damage is caused to the party concerned, the impostor may bear civil liability for compensation. In addition, impersonating others to sign IOUs may also be suspected of fraud and need to bear corresponding criminal responsibility.

legal ground

Article 143 of the Civil Code (effective on 202 110/October1day)

A civil juristic act that meets the following conditions is valid:

(1) The actor has corresponding capacity for civil conduct;

(2) the meaning is true;

(three) does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs.

Article 17 1 of the Civil Code

If the actor has no power of agency, exceeds his power of agency or terminates his power of agency, he will still carry out the agency act, and it will have no effect on the principal without ratification by the principal.

Fraud in Article 266 of Criminal Law

Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.