Legal analysis: The validity of a blank loan contract that has been signed depends on the circumstances. If the terms of the contract are agreed upon by both parties and do not violate laws and regulations, the contract is a valid contract; if one party has objections to or does not recognize the terms of the contract, the validity of the contract is pending or it is an invalid contract.

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.

A contract shall be concluded in writing if it is stipulated by laws or administrative regulations or agreed by the parties. If the parties do not use a written form but one party has performed its main obligations and the other party accepts it, the contract is established