Legal analysis
Signing an electronic contract online is valid as long as it is reached by both parties according to their true meaning and does not violate the law. Whether an electronic contract or a written contract is actually a matter of form. Moreover, according to the relevant regulations, electronic contracts are given the same legal effect as traditional contracts, and electronic contracts are given the legal status they deserve in legislation. Electronic contract is a form of expression from offline paper contract to online contract, which is displayed on the network in the form of data. The data integrity and objectivity of the electronic contract cannot be guaranteed, because after the contract is signed, there may be uncertain factors such as human tampering, data leakage and hacker attacks. It is suggested to go to the third-party electronic contract platform to ensure the legal effect of signing the contract through technical means. This issue is clearly stipulated in the relevant laws and regulations promulgated in China. In contracts or other documents, documents and other related documents in civil activities, the parties may agree to use electronic signatures to flexibly use data messages, which is also common in our lives. It can't be because the contract is adopted in different ways. The adoption of electronic signature or data message denies its own legal effect and ignores its authority. Electronic signature and handwritten signature or seal have the same legal effect, regardless of each other. It is clearly stated that qualified electronic signature attachments have the same legal effect as handwritten signature or seal. Then, as long as the relevant conditions are met, the electronic version of the loan contract has the same legal effect as the paper version and cannot be limited to personal thoughts. Without your own handwritten signature, it is taken for granted that it is illegal and irregular. In fact, it is also effective and has the same value. It is protected by law and should be respected.
legal ground
Article 146 of the General Principles of the Civil Law of People's Republic of China (PRC) * * * The civil juristic act carried out by the actor or the counterpart for false intention is invalid. The validity of a concealed civil juristic act with false intention shall be handled in accordance with relevant laws and regulations.