Legal analysis: bank staff can't sign on their behalf, and customers have to sign on their own.

Legal basis: Article 4 of the Law of People's Republic of China (PRC) Commercial Bank should operate independently, take risks, be responsible for profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as the operating principles. Commercial banks conduct business according to law and are not subject to interference by any unit or individual. Commercial banks independently bear civil liability with all their corporate property.