According to the provisions of Articles 5 to 8 of the Electronic Signature Law, electronic contracts that lock the true identity of the signer, effectively prevent document tampering and accurately record the signing time are legally recognized.
If the electronic contract of the online lending platform cooperates with the third-party electronic contract platform, the above three conditions can be basically met. It is a legal and effective electronic contract, protected by law, and you can use it boldly.
The electronic contract of online lending platform is generated by its own platform, so it is difficult to meet the conditions of reliable electronic signature, because the Internet platform does not have information security authentication technology and reliable electronic signature technology, and it is impossible to identify whether the signer's identity is true or not, and it is impossible to guarantee the legal effect of the electronic contract, so the legal effect of the electronic contract signed in this way will be greatly reduced.
At present, most electronic contracts on P2P online lending platforms are automatically generated without using electronic signatures, so the legal effect of such contracts is very low. Therefore, when the subject signs an electronic contract on the online lending platform, he must pay attention to whether the platform automatically generates or accesses the third-party electronic contract.