17

Read the document thoroughly before signing; never sign on behalf of others or on blank paper

Grade ABig benefitMoneyFreeLittle timeSome willpower

Once signed, a document becomes legally binding — fingerprints carry the same weight as signatures. Claims like “I didn’t read it” or “I thought it was something else” rarely hold up in court. Therefore, take the time to read everything, clarify any doubts immediately, and document it all. Never sign for someone else or on blank paper, and always specify the purpose when copying ID cards. Digital signatures and facial recognition verification also count as valid signatures.

Cost
There is no cost involved. Simply spend a few extra minutes reading contracts, IOUs, guarantee letters, and employment documents from start to finish. Ask questions on the spot if anything is unclear, and take photos for your records. The real challenge is reading everything carefully while the other party is watching.
Benefit
Legally executed contracts are protected by law and bind both parties. Once signed, obligations must be fulfilled as agreed. Article 490 of the Civil Code states that contracts formed in writing become effective when parties “sign, affix seals, or press fingerprints.” Fingerprints are treated equally with signatures and seals, so a contract remains valid even with just a fingerprint. Attempts to deny responsibility by claiming lack of awareness won’t succeed in court. Avoiding such signatures prevents you from inheriting debts or liabilities that aren’t yours (nationwide).
Notes
“Never sign for others, never sign on blank paper, and always note the purpose on ID copies” are widely accepted practices, though no official documents explicitly mandate them. Their shared goal is to prevent your signature from being used in legally binding contracts you never intended to agree to. Digital signatures and facial recognition verification also qualify as valid signatures. If acquaintances ask you to assist with loan applications via facial recognition or signatures, refer to Section 45 (Assisting with facial verification).
Sources · 1
  1. 全国人大 (2020). 民法典(第四百六十五、四百九十、五百零九条). spp.gov.cn/spp/fl/202006/t20200602_463888.shtml

← Read the whole chapter: 8. Protect yourself: laws and personal safety

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