微信“电子借条”管用吗？仙桃法院这样判......
<div class="wx_rich_media_content" id="jsWxContainer"><section data-role="outer" label="edit by 135editor"><section data-role="paragraph"><section data-tools="135编辑器" data-id="141897"><section data-tools="135编辑器" data-id="141696"><section style="margin: 10px auto;"><section><section data-autoskip="1" style="line-height: 2.2em; color: rgb(51, 51, 51); padding-left: 15px;"><p style="letter-spacing: 1.5px;text-align: center;max-inline-size: 100%;cursor: text;color: rgb(26, 49, 11);font-size: 17px;caret-color: rgb(255, 0, 0);line-height: 2em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><span style="letter-spacing: 2px;">微信借钱给他人</span></p><p style="text-align: center;max-inline-size: 100%;cursor: text;color: rgb(26, 49, 11);font-size: 17px;caret-color: rgb(255, 0, 0);line-height: 2em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><span style="letter-spacing: 2px;">没有“白纸黑字”的借条</span></p><p style="text-align: center;max-inline-size: 100%;cursor: text;color: rgb(26, 49, 11);font-size: 17px;caret-color: rgb(255, 0, 0);line-height: 2em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><span style="letter-spacing: 2px;">仅签订了“电子借条”</span></p><p style="text-align: center;max-inline-size: 100%;cursor: text;color: rgb(26, 49, 11);font-size: 17px;caret-color: rgb(255, 0, 0);line-height: 2em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><span style="letter-spacing: 2px;">法院会认可吗？</span><span style="letter-spacing: 2px;"></span></p><p style="letter-spacing: 1.5px;text-align: center;max-inline-size: 100%;cursor: text;color: rgb(26, 49, 11);font-size: 17px;caret-color: rgb(255, 0, 0);line-height: 2em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><span style="letter-spacing: 2px;"></span></p><p style="letter-spacing: 1.5px;text-align: center;max-inline-size: 100%;cursor: text;color: rgb(26, 49, 11);font-size: 17px;caret-color: rgb(255, 0, 0);line-height: 2em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><span style="letter-spacing: 2px;"></span></p></section></section><section style="display: flex;transform-style: preserve-3d;align-items: flex-end;"><section style="display: flex;width: 100%;transform: translateZ(5px);" data-width="100%"><section style="flex-shrink: 0;"><section style="width: 50px;opacity: 0.5;"><span class="wxart_image" wx-style="display:inline-block;width: 100%;display: block;vertical-align: inherit;"></span></section></section><section style="width: 70%;max-width: 70% !important;" data-width="70%"><section data-autoskip="1" style="text-align: right; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(199, 199, 199); font-style: oblique;"><p><br></p></section></section></section><section style="width: 100%;margin-left: -100.1%;transform: translateZ(1px);" data-width="100%"><section style="width: 10em;height: 10em;border-radius: 100%;background-position: initial;background-size: initial;background-repeat: initial;background-attachment: initial;background-origin: initial;background-clip: initial;margin-left: auto;overflow: hidden;"><br></section></section></section></section></section><section data-role="paragraph"><p><span class="wxart_image" wx-style="display:inline-block;max-inline-size: 100%;cursor: pointer;color: rgb(51, 51, 51);font-size: 14px;letter-spacing: 1.5px;caret-color: rgb(255, 0, 0);background-color: rgb(255, 255, 255);width: 100%;display: block;vertical-align: top;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"></span></p></section><section data-tools="135编辑器" data-id="141684"><section style="margin: 10px auto;"><section style="background-color: rgb(249, 254, 244);padding: 10px 15px;"><section data-autoskip="1" style="line-height: 1.75em; letter-spacing: 1.5px; color: rgb(74, 81, 79); background-color: transparent;"><p style="line-height: 2em;text-indent: 2.23529em;"><span style="font-size: 17px;letter-spacing: 2px;text-indent: 2.23529em;background-color: transparent;">近</span><span style="font-size: 17px;letter-spacing: 2px;text-indent: 2.23529em;background-color: transparent;">日，仙桃法院快审团队依法审理一起<span style="font-family: arial; background-color: transparent; text-decoration-style: solid; text-decoration-color: rgb(74, 81, 79);">没有纸质借条，仅有微信电子借条的</span>民间借贷纠纷案件。</span><br></p><section data-role="paragraph"><p><br></p></section><section data-tools="135编辑器" data-id="141690"><section style="margin: 10px auto;display: flex;justify-content: center;"><section style="display: flex;align-items: flex-end;"><section style="flex-shrink: 0;z-index: 5;margin-bottom: -4px;"><section style="width: 26px;"><span class="wxart_image" wx-style="display:inline-block;width: 100%;display: block;vertical-align: inherit;"></span></section></section><section style="margin-left: -10px;"><section style="width: 12px;height: 12px;border-top: 1px solid rgb(255, 217, 102);border-right: 1px solid rgb(255, 217, 102);margin-left: auto;margin-bottom: -8px;margin-right: -4px;overflow: hidden;"><br></section><section style="background-color: rgb(240, 247, 230);padding: 4px 15px;"><section style="font-size: 18px;color: #004e35;text-align: center;"><strong data-brushtype="text">案情回顾</strong></section></section></section></section></section></section><p><br></p><section style="line-height: 2em;text-indent: 2.23529em;margin-bottom: 8px;"><span style="font-size: 17px;letter-spacing: 2px;">胡某与刘某系朋友关系，刘某因日常生活需要，通过微信向胡某借款共计6000元。2024年2月，胡某与刘某在微信小程序“腾讯电子签”平台签订电子借条，双方就身份信息、借款金额、还款时间等进行了明确约定，同时在电子签章处签名。</span></section><p style="line-height: 2em;text-indent: 0em;"><span style="font-size: 17px;letter-spacing: 2px;"><span class="wxart_image" wx-style="display:inline-block;vertical-align: initial;width: 100%;"></span></span></p><p style="line-height: 2em;text-indent: 2.23529em;"><span style="font-size: 17px;letter-spacing: 2px;">借款到期后，刘某仅还款500元，胡某多次催讨未果遂向仙桃法院提起诉讼，请求法院判决刘某偿还借款本金5500元。</span></p><section data-tools="135编辑器" data-id="141690"><section style="margin: 10px auto;display: flex;justify-content: center;"><section style="display: flex;align-items: flex-end;"><section style="flex-shrink: 0;z-index: 5;margin-bottom: -4px;"><section style="width: 26px;"><span class="wxart_image" wx-style="display:inline-block;width: 100%;display: block;vertical-align: inherit;"></span></section></section><section style="margin-left: -10px;"><section style="width: 12px;height: 12px;border-top: 1px solid rgb(255, 217, 102);border-right: 1px solid rgb(255, 217, 102);margin-left: auto;margin-bottom: -8px;margin-right: -4px;overflow: hidden;"><br></section><section style="background-color: rgb(240, 247, 230);padding: 4px 15px;"><section style="font-size: 18px;color: #004e35;text-align: center;"><strong data-brushtype="text">法院审理</strong></section></section></section></section></section></section><p><br></p><p style="line-height: 2em;text-indent: 2.23529em;"><span style="font-size: 17px;letter-spacing: 2px;">受理案件后，承办法官许立坤对电子借条这种新型证据进行了研究，并通过使用“腾讯电子签”小程序，了解到签订电子借条需经过借贷双方人脸识别、核验真实身份后才能完成。</span></p><p style="text-align:center;"><br></p><p style="line-height: 2em;text-indent: 2.23529em;"><span style="font-size: 17px;letter-spacing: 2px;line-height: 1.65em;">签署完成的电子借条依托区块链存证技术，确保不可篡改，并且可以通过电子印章公共服务平台对签章的算法及状态进行核验。整个电子借条的签署流程符合《中华人民共和国电子签名法》《人民法院在线诉讼规则》的要求。</span></p><p style="line-height: 2em;text-indent: 2.23529em;"><span style="font-size: 17px;letter-spacing: 2px;line-height: 1.65em;"></span><span style="font-size: 17px;letter-spacing: 2px;line-height: 1.65em;">最终，仙桃法院通过对电子借条、转账记录等证据的综合认定，依法判决刘某向胡某偿还剩余借款5500元。</span></p></section></section><section style="display: flex;align-items: flex-end;margin-top: -25px;"><section style="width: 100%;border-top: 1px solid rgb(255, 217, 102);margin-bottom: 7px;height: 1px;overflow: hidden;" data-width="100%"><br></section><section style="flex-shrink: 0;"><section style="width: 26px;"><span class="wxart_image" wx-style="display:inline-block;width: 100%;display: block;vertical-align: inherit;"></span></section></section></section></section></section><section data-role="paragraph"><p><br></p></section><section data-role="paragraph"><p><span class="wxart_image" wx-style="display:inline-block;vertical-align: initial;width: 234px;"></span></p></section><section data-role="paragraph"><section data-tools="135编辑器" data-id="141685"><section style="margin: 10px auto;"><section style="display: flex;align-items: center;"><section style="flex-shrink: 0;padding-right: 6px;"><section style="width: 10px;"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 11.98 9.97" style="display: block;"><g data-name="图层 2"><g data-name="图层 1"><g style="isolation:isolate;"><g style="isolation:isolate;"><path d="M5.14,1.34A5.4,5.4,0,0,0,2,5.69a1.67,1.67,0,0,1,1-.28,2.16,2.16,0,0,1,2.2,2.26A2.31,2.31,0,0,1,2.76,10C1.24,10,0,8.55,0,6.61A7.41,7.41,0,0,1,4.4,0Zm6.81,0A5.38,5.38,0,0,0,8.79,5.69a1.52,1.52,0,0,1,1-.28A2.17,2.17,0,0,1,12,7.67,2.3,2.3,0,0,1,9.57,10a3.08,3.08,0,0,1-2.8-3.36A7.43,7.43,0,0,1,11.2,0Z" style="fill:#42675c;"></path></g></g></g></g></svg></section></section><section style="width: 30%;border-top: 1px solid rgb(255, 217, 102);height: 1px;overflow: hidden;max-width: 30% !important;" data-width="30%"><br></section></section><section style="background-color: rgb(249, 254, 244);padding: 10px 15px;margin-top: 4px;margin-bottom: 4px;"><section data-autoskip="1" style="line-height: 1.75em;letter-spacing: 1.5px;color: rgb(74, 81, 79);background-color: transparent;"><p style="line-height: 2em;text-indent: 2.23529em;"><span style="letter-spacing: 2px;">近年来，随着科技的发展，电子合同逐渐普及。电子借条作为数字时代的新型产物，在形式上区别于传统“白纸黑字”的书面借条。</span><strong><span style="letter-spacing: 2px;">在使用第三方网络平台、小程序签订电子借条时，应注意选择安全可靠的平台，了解对方是否有实名认证、签订的借条是否有区块链存证等信息，以保证自己的资金安全。</span></strong></p></section></section><section style="display: flex;align-items: center;justify-content: flex-end;"><section style="width: 30%;border-top: 1px solid rgb(255, 217, 102);height: 1px;overflow: hidden;max-width: 30% !important;" data-width="30%"><br></section><section style="flex-shrink: 0;padding-left: 6px;"><section style="width: 10px;"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 12.02 9.97" style="display: block;"><g data-name="图层 2"><g data-name="图层 1"><g style="isolation:isolate;"><g style="isolation:isolate;"><path d="M0,8.62A5.37,5.37,0,0,0,3.19,4.28a1.82,1.82,0,0,1-1,.28A2.17,2.17,0,0,1,0,2.3,2.28,2.28,0,0,1,2.41,0c1.52,0,2.8,1.41,2.8,3.36A7.49,7.49,0,0,1,.78,10Zm6.8,0A5.36,5.36,0,0,0,10,4.28a2,2,0,0,1-1,.28A2.15,2.15,0,0,1,6.81,2.3,2.28,2.28,0,0,1,9.22,0C10.74,0,12,1.41,12,3.36A7.51,7.51,0,0,1,7.59,10Z" style="fill:#42675c;"></path></g></g></g></g></svg></section></section></section></section></section><p style="text-align: center;"><br></p><p><br></p></section><section data-role="paragraph"><p><span class="wxart_image" wx-style="display:inline-block;vertical-align: initial;width: 257px;"></span></p><p style="text-align:center;max-inline-size: 100%;cursor: text;color: rgb(51, 51, 51);caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><br></p><section data-tools="135编辑器" data-id="111180"><section style="margin: 10px auto;"><section style="overflow-y: auto;height: 400px;width: 100%;display: inline-block;" data-width="100%"><section><section data-autoskip="1" style="color: rgb(51, 51, 51); line-height: 1.75em; letter-spacing: 1.5px; margin-top: 7px;"><p style="text-align:center;"><strong><span style="font-size:17px;">《中华人民共和国电子签名法》</span></strong></p><p style="text-indent:2.17647em;"><span style="font-size:17px;">第三条 民事活动中的合同或者其他文件、单证等文书，</span><strong><span style="font-size:17px;">当事人可以约定使用或者不使用电子签名、数据电文。</span></strong><span style="font-size:17px;">当事人约定使用电子签名、数据电文的文书，</span><strong><span style="font-size:17px;">不得仅因为其采用电子签名、数据电文的形式而否定其法律效力。</span></strong></p></section><section data-autoskip="1" style="color: rgb(51, 51, 51); line-height: 1.75em; letter-spacing: 1.5px; margin-top: 7px;"><p style="text-indent:2.17647em;"><span style="font-size:17px;">第十三条 电子签名同时符合下列条件的，<strong>视为可靠的电子签名</strong>：</span></p><section style="text-indent: 2em;"><span style="font-size:17px;">（一）电子签名制作数据用于电子签名时，<strong>属于电子签名人专有</strong>；</span></section><section style="text-indent: 2em;"><span style="font-size:17px;">（二）签署时电子签名制作数据<strong>仅有电子签名人控制</strong>；</span></section><section style="text-indent: 2em;"><span style="font-size:17px;">（三）签署后对电子签名的<strong>任何改动能够被发现</strong>；</span></section><section style="text-indent: 2em;"><span style="font-size:17px;">（四）签署后对数据电文内容和形式的任何改动能够被发现。<strong>当事人也可以选择使用符合其约定的可靠条件的电子签名。</strong></span></section><section style="text-indent: 2em;"><span style="color: rgb(68, 68, 68); text-indent: 2em;"><br></span></section><section style="text-indent: 2em;"><span style="color: rgb(68, 68, 68); text-indent: 2em;">来源/湖北省仙桃市人民法院</span></section></section></section></section></section></section></section></section></section></section></div><p></p> 不要脸的多，现在有钱千万不要借出去。
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