This is not my signature. How is the bank approved? Is the operation yours? Id card or something.
2. Is the loan contract signed by me valid?
Loan contracts that are not signed by me generally have no legal effect, because loan contracts that are not signed by me cannot reflect the real intention of the actor, except in special circumstances. The conditions for the validity of a contract are: the actor has corresponding civil capacity; The actor's will is real; The content of the contract conforms to laws and regulations and public order and good customs; Other conditions for the entry into force of laws, etc. What matters should be paid attention to in the subject qualification in the loan contract? 1. The counterparty is an individual. If the counterparty is an individual, it must be a person with full capacity for civil conduct, that is, the signatory is mentally normal and has reached the age of 18 or 16 to 18, but takes his own income as his main source of livelihood. In this case, they can be asked to provide personal information such as ID card, detailed home address, contact information, etc., so as to facilitate on-site inspection and confirmation when necessary. 2. The contractor is a subordinate department of the enterprise, such as each department, department, office and office of the enterprise, which does not have the main qualification and cannot sign a loan contract. If a loan contract is signed, it may also be deemed invalid because the subject is not qualified. Branches of enterprises, such as factories, branches, offices, etc., should be based on whether they are authorized, whether they have foreign business qualifications, and whether they have unincorporated business licenses. Qualification examination of enterprise subject. Generally review the business license of the enterprise to see whether the name of the enterprise is consistent with the name of the party to sign the contract; Check whether the registered capital is commensurate with the amount of the contract to be signed; Check whether the business scope of the enterprise is within the business scope of the proposed contract; Check whether the annual industrial and commercial inspection of the enterprise has passed the annual inspection of the industrial and commercial department. Credit review. Generally, the other party should be required to provide credit certification materials, including enterprise profile, business license, welfare, tax payment certificate, bank credit rating certificate, basic information of the unit, etc. Legal basis: Article 143 of the Civil Law of People's Republic of China (PRC) is valid for civil juristic acts that meet the following conditions: (1) The actor has corresponding capacity for civil conduct; (2) the meaning is true; (three) does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs. Article 469 The parties may conclude a contract in writing, orally or in other forms. Written form refers to contracts, letters, telegrams, telexes, faxes and other forms that can tangibly express the contents contained. A data message that can tangibly express its content through electronic data interchange, e-mail, etc. , and can be retrieved at any time, are considered in writing.
3. I didn't sign the IOU myself, should I bear legal responsibility?
Without my signature or someone else's signature, the loan contract is invalid to me, and I don't need to undertake the contractual obligations.
If the signer uses another person's signature without authorization, the fraudulent person shall bear the contract liability.
4. Didn't I sign the IOU and bear the legal responsibility?
If the loan is not signed by myself or authorized by others, the loan shall bear contractual obligations.
If the signer uses another person's signature without authorization, the fraudulent person shall bear the contract liability.