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Is online loan electronic contract reliable?
Whether an electronic contract is reliable mainly comes from legal provisions and technical support. Online loan contracts allow the use of electronic contracts.

Article 13 of the Electronic Signature Law stipulates that:

An electronic signature shall be regarded as reliable if it meets the following conditions:

(1) When the electronic signature production data is used for electronic signature, it belongs to the exclusive rights of the electronic signer;

(2) When signing, the electronic signature production data is only controlled by the electronic signer;

(3) Any changes to the electronic signature after signature can be found;

(4) Any changes to the content and form of the data message after signature can be found.

The parties can also choose to use electronic signatures that meet their agreed reliable conditions.

Therefore, a reliable electronic signature is the basis for the safety and reliability of electronic contracts.

The "Electronic Contract Online Process Specification" promulgated by the Ministry of Commerce encourages people to sign electronic contracts by using the third-party electronic contract platform, and uses electronic signature technology to ensure the safety, integrity and effectiveness of contract signing, transmission and storage. Adopt electronic signature and encryption technology. Once a contract is signed, it cannot be changed. After signing, it is stored in a secure cloud storage system, and the evidence is solidified, which is convenient for providing evidence in case of disputes. Most importantly, the evidence provided by the third-party electronic contract platform has strong probative power and is easy for judges to adopt.

As a leading third-party electronic contract platform in China, we have simultaneously achieved the following three points:

CA certificate issued by CA organization /eID authentication system of the Ministry of Public Security: adopting the authentication technology of national organizations to ensure the true identity of French electronic contract signers;

Anti-tampering technology: the original electronic file data is solidified by using the international universal hash value technology, which is easy to identify whether the file has been tampered with;

Third-party timing technology: accurately record the signing time

The specific signing process is as follows: