Legal analysis: The loan is invalid if it is not signed by myself. The loan contract is also a type of contract. Without my signature, and I have not authorized others to sign, the loan contract is invalid for me, and I do not need to bear the contractual obligations. If the lender urges me to confirm whether I have signed or not, and I do not make a statement, it will be deemed that I refuse to ratify the signature of others on my behalf.

Legal basis: Article 490 of the "People's Republic of China and Civil Code" Where the parties conclude a contract in the form of a contract, the contract is established when both parties sign, seal or fingerprint. Before signing, sealing or fingerprinting, one party has performed its main obligations and the contract is established when the other party accepts it. Laws and administrative regulations stipulate or the parties agree that a contract should be concluded in written form. If the parties do not use written form but one party has performed its main obligations and the other party accepts it, the contract is established.