Whether a loan contract that is not signed by me is valid or not needs to be determined according to the following circumstances: 1. If I authorize others to sign the contract on my behalf, the contract signed by others will also have legal effect on me. If someone else signs a contract without authorization, I don't recognize his agency authority, and the rights and obligations of the contract shall be borne by the signatory, which has no legal effect on me.

Legal analysis

If the person signing the loan contract is not himself, the validity of the contract will be judged according to different situations, but the adoption agreement, divorce agreement and bequest and maintenance agreement involve personal contracts and must be handled by the parties themselves, except those that cannot be signed by others. If the agent obtains its authorization and signs a loan contract within the scope of authorization, the signing behavior at this time is valid and the contract is established and valid according to law. If an agent signs a contract with a third party in the name of another person without his authorization, the validity of the contract shall be determined according to law, and the validity of the contract depends on his ratification. If I approve, this contract will take effect for me. If I don't approve or refuse to approve, the contract has no legal effect on me. At this time, the contract has no effect. The signing of the contract shall comply with the provisions of the contract law. If the counterpart knows or should know that the actor has no right to act as an agent, the counterpart and the actor shall bear the responsibility according to their respective faults.

legal ground

Article 171 of the General Principles of the Civil Law of People's Republic of China (PRC) * * * If an actor acts as an agent after he has no power of attorney, exceeds his power of attorney or terminates his power of attorney, it will not be effective to the principal without ratification by the principal. The counterpart may urge the principal to ratify it within 30 days from the date of receiving the notice. If the trustor fails to declare it, it shall be deemed as refusal to ratify it. Before the act committed by the actor is ratified, the bona fide counterpart has the right to revoke it. Revocation shall be made by notice. If the act committed by the actor is not ratified, the bona fide counterpart has the right to demand the actor to perform the debt or demand the actor to compensate for the damage he has suffered. However, the scope of compensation shall not exceed the benefits that the counterpart can obtain when the principal ratifies. If the counterpart knows or should know that the actor has no right to act as an agent, the counterpart and the actor shall bear the responsibility according to their respective faults.