Legal analysis: it is still credible for online loan companies to sign contracts with banks. Just pay attention to identify the scam. Many borrowers pay first, and then find that the liar's mobile phone can no longer be dialed. Even some borrowers were cheated without knowing the other company, personal name, ID card or even where the other party was.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 469 The parties may conclude a contract in writing, orally or in other forms. Written form refers to contracts, letters, telegrams, telexes, faxes and other forms that can tangibly express the contents contained. A data message that can tangibly express its content through electronic data interchange, e-mail, etc. , and can be retrieved at any time, are considered in writing.

Article 470 The contents of a contract shall be agreed upon by the parties, and generally include the following clauses:

(1) The name and domicile of the party concerned;

(2) Subject matter;

(3) quantity;

(4) quality;

(5) Price or remuneration;

(6) Time limit, place and method of performance;

(7) Liability for breach of contract;

(8) Methods for resolving disputes.

The parties may conclude a contract by referring to the model texts of various contracts.

Article 471 The parties may conclude a contract by offer, acceptance or other means.

Article 472 An offer is an expression of intention to conclude a contract with another person and shall meet the following conditions:

Specific content;

(2) The offeror is bound by the expression of will by indicating that he has accepted the offer.