机动车限购政策下，借名买车现象越来越普遍。目前，我国对于在此种情形下发生交通事故如何认定责任主体尚无明确规定。理论界与实务界存在不同看法，争议焦点为出名人的责任承担问题。由于借名行为与租借行为、挂靠行为不同，不能直接适用相关的法律规定。当出名人无过错时，其应当承担有限的补充责任。当出名人存在过错时，其应当承担相应的责任。

Under the policy of restricting the purchase of motor vehicles, the phenomenon of buying a car under a given name is becoming increasingly common. At present, there is no clear regulation in China on how to identify the responsible party for traffic accidents in such situations. There are different views in the theoretical and practical fields on this, with the focus of controversy being the responsibility of lenders. The borrowing behavior is different from the leasing behavior and affiliated behavior, and cannot be subject to relevant legal provisions. When the lender is at no fault, it shall bear limited supplementary liability. When the lender is at fault, they shall bear corresponding responsibilities.