The online loan is not signed by myself, but has passed the face-brushing certification, which is legal. As long as this uniqueness is proved and you accept it, there is nothing to defend.
Do you need me to sign the online loan? What evidence do you need?
Without my signature, the loan will definitely not come down. In order to avoid unnecessary troubles in the future, banks will do a lot of work in verifying the identity and willingness of lenders.
When applying for a loan, you must have an interview record. The interview record must be signed by the borrower. In addition, when the account manager submits the interview record, he should also attach photos of the borrower and the bank account manager. This is to prove the borrower's identity and willingness to borrow.
After the loan is approved and before the loan is issued, the borrower must sign a loan contract and an iou. These two materials are important materials to prove that the borrower did get the loan when the bank filed a lawsuit with the borrower in the future. In addition to the borrower's signature, many banks also require borrowers to press their fingerprints.
In the early years, when the banks were not standardized and the management of rural credit cooperatives was loose, some people did inexplicably lend without signing a contract. In this case, it can basically be determined that the account manager and other managers are in the way, forging important documents such as loan contracts.
At present, the management of banks and bank employees by regulators has reached a high level. This situation will basically not happen again. If it happens again, it can completely reach the standard of imprisonment. Even if not, it will be included in the list of forbidden industries, leading to the end of a lifetime career.
If the borrower himself does not sign the loan contract, it is a very formal situation, does it not exist? It is rare in the normal lending market, but it also exists! Ordinary borrowers will entrust a third party to sign a series of legal requirements such as loan contracts for themselves. Entrustment naturally needs fairness and bank approval. Some banks are troublesome and don't agree with this.
If there is no personal signature of the borrower on the online loan electronic contract, is the contract valid?
According to the provisions of the contract law and electronic signature law, the parties can use the contract,
Letters and data messages (including telegrams, telexes, faxes, electronic data interchange and e-mails), etc. , and through the spreadsheet,
The attached data message is used to identify the identity of the signer, indicating that the signer approves the contents. Both parties can't sign just because of the contract.
The use of electronic signature or data message will deny its legal effect. In addition, all the contract texts of Principal are drafted by professional lawyers and all are electronic.
All contracts adopt PDF tamper-proof technology, and all paper documents are filed and preserved, which fully guarantees the transaction safety of investors and financiers.