Fake loans refer to loans obtained in the name of others by stealing their identity information or forging their signatures without the authorization or consent of others. This kind of behavior usually involves fraud and illegal behavior, which causes serious damage to the rights and interests of the victims. Fake loans are considered illegal in many countries and regions, and lending institutions usually carry out strict identity verification on applicants to prevent such behaviors.
Lending treasure, also known as back-door loan and top-name loan, refers to applying for a loan in the name of others when the loan applicant is unable to obtain a loan due to poor credit record or other reasons. Borrowing by name violates the principle of good faith in the loan contract to a certain extent, but it does not necessarily constitute an illegal act. In borrowing, the nominal borrower and the actual borrower usually reach an agreement privately, stipulating the term, interest rate and repayment method of the loan.
The main difference between nominal loans and nominal loans is that nominal loans are usually approved by nominal borrowers, and there is a certain contractual relationship between them. Fake loans, on the other hand, involve fraud and illegal activities, which damages the rights and interests of the victims.
It should be noted that both fake loans and fake loans may cause certain legal risks to actual borrowers and nominal borrowers. In practice, it is suggested to abide by laws and regulations and avoid such behaviors. If there is a loan demand, you should apply through legal channels to ensure that your rights and interests are protected.