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    電子合同-電子回執解決方案

    2016-2-29 16:05:45

        ◇隨著電子商務的普及,網絡貸款并在線簽訂電子合同越來越得到借款方和出借方的認可。貸款平臺就是為借款方和出借方提供的一個快捷安全的交易平臺,使得各種貸款業務網絡化、電子化、自動化。借款方可與出借方在貸款平臺上簽訂電子合同,達成貸款意向。與此同時,伴隨著電子商務帶來的方便和快捷,也對電子合同的安全性提出了更高的要求。如何保證電子合同的合法性,完整性和可追溯性成為了一個急需解決的關鍵性問題。所以互聯網金融平臺需要為用戶提供法律認可的有效證據,既保護了金融消費者的合法權益又為互聯網金融平臺提升品牌形象、自身權益提供了保障。
        ◇聯合信任時間戳服務中心可信電子合同系統保障電子合同法律效力,加快辦理速度,實現無紙化,節約成本同時,也保證合同具有客觀性,合法性和可追溯性。
        ◇在互聯網金融平臺中,客戶得到的都是電子文件。但電子數據存在著可以被無痕篡改的脆弱性,導致其應用范圍受到限制,尤其作為法律證據使用時會受到質疑。解決電子文件和電子數據與傳統紙質文件具有同等的法律地位是首要問題。 本方案依據《電子簽名法》、《合同法》等法律法規及相關技術標準,采用可信時間戳和數字證書兩者相結合的方式進行電子簽名,有效解決了電子合同的法律效力問題。

         一、方案目的:
        方案希望提供可信電子合同系統,結合可信時間戳數字證書為互聯網金融平臺上、簽訂的電子合同提供電子合同簽章功能(真正實現出借方與借款方的合同電子化,合法化),運營商合約機、寬帶辦理,供應商關系網上下單(結合EMR)確保電子合同的客觀性,合法性和可追溯性。

        傳統合同的不足:
        1、紙質保存容易破損、遺失;
        2、文件流轉周期長,效率低下;
        3、管理工作繁瑣;
        4、簽署、管理、保存等環節成本高,不環保。

        電子合同的優勢:
        1、合同簽署快捷,簽約速度快;
        2、電子文檔歸檔方便,持久保存;
        3、電子化管理方便,可與其他信息化系統無縫對接;
        4、低碳環保,簽署、管理、保存等環節成本低;
        5、電子文檔安全性更高,無法偽造。
         ■ 法律保障: 2005年《中華人民共和國電子簽名法》的頒布賦予了電子合同法律保障。
         ■ 安全保障: PKI技術體系確保了電子商務、電子合同的可鑒別、防篡改、防抵賴。

         二、方案特點:

        方案可以使互聯網金融平臺產生的各類電子合同符合法律認可原件形式要求、符合法律要求的可靠電子簽名格式,等同于手寫簽名或者蓋章的同等法律效力。

        1、滿足《電子簽名法》中數據電文原件形式的要求。
        根據《電子簽名法》第二章第五條規定,符合下列條件的數據電文視為滿足法律法規規定的數據電文原件形式要求:
        (一)能夠有效地表現所載內容并可供隨時調取查用;
        (二)能夠可靠地保證自最終形成時起,內容保持完整、未被更改。

        方案采用了遼寧CA認證中心的數字證書認證,能可靠的保障電子單證的形成時間和內容完整性。

        2、實現可靠電子簽名
        根據《電子簽名法》要求,只有可靠電子簽名才具有手寫簽名和蓋章同等法律效力。一般電子簽名(只用數字證書簽名)由于采用BES(基本電子簽名格式)進行簽署,不能滿足可靠電子簽名中對時間權威性的要求,不屬于可靠電子簽名。
        《電子簽名法》中可靠電子簽名條件:
        第十三條 電子簽名同時符合下列條件的,視為可靠的電子簽名:
        (一)電子簽名制作數據用于電子簽名時,屬于電子簽名人專有;
        (二)簽署時電子簽名制作數據僅由電子簽名人控制;
        (三)簽署后對電子簽名的任何改動能夠被發現;
        (四)簽署后對數據電文內容和形式的任何改動能夠被發現。
        第十四條 可靠的電子簽名與手寫簽名或者蓋章具有同等的法律效力。
        根據已經頒布實施的《國標GB/T25064-2010》規定,電子簽名格式有五種,其中未加時間戳的電子簽名格式BES不滿足可靠電子簽名條件,只適合用于通訊過程等短暫簽名。符合電子合同、單證所需要的電子簽名格式為ES-T 帶時間戳的電子簽名(ES-T)

          根據標準的可靠電子簽名方式除了有數字證書,還要有可靠時間戳功能。


        三、電子合同優勢
        1、合法性
        2005年4月《中華人民共和國電子簽名法》的頒發提供了有效的法律保障。電子合同的實現必須符合電子簽名技術。出現糾紛時候有據可查,有法可依。
        2、安全性
        要確保電子合同具有不可抵賴性、完整性、時效性三項基本屬性。
        ■ 不可抵賴性:即簽署電子合同的公司不可以否認電子合同的有效性。
        ■ 完整性:即如電子合同數據發生了惡意偽造或非法篡改,能夠有效的驗證。
        ■ 時效性:即電子合同的簽署時間的認證。
        3、標準化
        ■ 系統無需改動即可使用可信時間戳服務實現可信電子合同,不需要對原有系統有任何改動。
        ■ 采用ISO國際標準的PDF文件格式作為電子合同的存儲介質。
        ■ 電子簽章作為數字簽名存儲在PDF文件中,完全符合ISO標準。簽章后的PDF文件采用AdobeReader閱讀器打開,可以直接驗證電子合同的真偽。

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