P2P electronic contract is an agreement reached by two or more parties involved in an Internet finance enterprise to establish, change and terminate a certain civil rights and obligations through the Internet.

An effective electronic contract needs to meet two basic conditions at the same time. First, use the electronic contract conclusion system of a third-party electronic contract service provider; Second, the use of reliable electronic signature technology. As long as these two conditions are met, the electronic contracts signed are legal and valid, and have the same legal effect as paper contracts.

Therefore, when you sign an electronic contract with an online lending platform, you must pay attention to whether the electronic contract is provided by a third-party electronic contract platform, generated by the platform itself or an electronic agreement. At present, only the introduction of the third-party electronic contract can guarantee the legal effect of the signed electronic contract, and the introduction of the third-party electronic contract into the P2P platform is the general trend and the necessary material for the platform compliance filing.