目前,互联网金融的高速发展,已悄然改变着金融业的格局,P2P信贷、众筹网络等新的金融形式层出不穷,银行的物理网点功能被大大弱化,多数前沿的商业银行推出网上贷款业务,本文从对电子借贷合同赋予强制执行效力的公证价值、可行性、风险和责任为角度进行论述,以期保护合同各方安全、减轻法院审理负担,在行业寒冬来临之前,创新办证模式,使公证业务和互联网完美结合,实现行业服务突破。 At present, the rapid development of Internet finance has quietly changed the pattern of the financial industry. New forms of finance such as P2P credit and crowdfunded networks emerge in an endless stream. The functions of the physical outlets of banks are greatly weakened. Most leading commercial banks have launched online lending businesses. From the point of view of notarization value, feasibility, risk and responsibility of enforcing the validity of the electronic loan contract, this paper discusses with the purpose of protecting the safety of all parties in the contract and relieving the court from the burden of trial. Before the cold winter comes, The perfect combination of the Internet, to achieve a breakthrough service industry.