Invalid, you must get a loan to take effect. An effective electronic contract needs three guarantees: the subject is clear, it cannot be tampered with, and the signing time cannot be changed. Ensure the authenticity and integrity of data and the legal effect of electronic signature and electronic authentication. To conclude a contract by electronic contract, a reliable electronic signature is needed to ensure that it has the same legal effect as a handwritten signature. According to the provisions of the electronic signature law.

Legal objectivity:

According to Article 13 of the Electronic Signature Law, an electronic signature is deemed to be reliable if it meets the following conditions: (1) When the electronic signature production data is used for electronic signature, it belongs exclusively to the electronic signatory; (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.