Does the borrower's signature on the debit note have legal effect?
The private seal is easy to be forged, and the nominal owner and actual controller of the seal are probably not the same person, so the probative force of the seal is essentially lower than that of the signature. Moreover, because the law does not strictly restrict natural persons from engraving their own names, there is no clear norm on the style, font, simplified characters, Chinese and foreign languages of seals. Everyone's seal may be different. In addition, the seal of a natural person is not publicized, and others simply cannot know whether the seal engraved with his name was carved by him, and of course, it is even more uncertain whether the seal engraved with his name was carved by him. Therefore, from the point of view of protecting my legitimate rights and interests, unless the other party has evidence to prove that the private seal belongs to me, and I stamp it or provide other sufficient evidence to prove that I really approve the contract, I cannot be deemed to agree with the relevant provisions of the contract.