If you sign with a personal digital certificate, it has legal effect. If you only have an electronic seal, or PS, it has no legal effect. Due to the diversity of electronic signature forms, its reliability, authenticity and stability may vary greatly due to the different technical schemes adopted, resulting in its legal effect not at the same level.

Only electronic signatures that meet certain conditions have the same legal effect as traditional signatures; Secondly, based on the stability, reliability and authenticity of electronic signatures, different patterns and characteristics of electronic signatures have different legal effects; Third, electronic signatures that meet the corresponding requirements can have the same legal effect as traditional signatures.

Since the promulgation and implementation of the Electronic Signature Law in 2005, electronic signatures have been widely used in many fields. Online banking, physical banking, e-government, electronic signing, telecommunications, banking business halls and other places. Especially with the development of Internet, online banking adopts identity authentication based on electronic signature, which has been widely used.