No ious, micro chat log evidence can also be used for lending and micro-letters, chat history, loan-IT information

Life on the jokes and cartoons to more to borrow money, most people would borrow, but there are a lot of people using QQ, micro-letter Internet chat tools, such as people ask for money directly so that chats can be used as evidence?

Found in judicial practice in recent years, more and more private lending dispute cases involving Internet chat transcripts as evidence is the best example.

Network chat as a kind of electronic evidence, data and diversity, ease of copying, and prone to destructive characteristics, in the case of private lending, online chat records as evidence, should have the following 3 conditions:

1. network chats in private lending as evidence in the case, you must have the truth.

Network chat includes both the authenticity of the contents of, on the one hand, online chats are record real lenders between borrowers and chat records . Practice in the party submitted to Court of network chat records more to QQ chat records and micro-letter chat records mainly, and QQ chat records and micro-letter chat records interface displayed out of chat subject are has specific of nickname, proof responsibility people needed proof proved the nickname by representative of characters and borrowing people or lending people is same people, this can through to provides Chat software service of corresponding Servicers at adjustable take QQ and micro-letter number registered who of identity information for proved.

Other hand, online chat transcript authenticity the authenticity of the content. Network chat is supported by computer technology, are easy to copy specific and the destructive, in the data extraction process can be carried out through a particular computer copying, modifying, and deleting, so network chat is critical to the extraction process to ensure the authenticity of the chats. In practice, the burden of proof people provide chat software providers can take to hire technicians for information extraction or extracting chats to the notary office notarized or seeking competent witnesses, carried out under the supervision of the witness chat extracts, these methods can guarantee the authenticity of the chats . Chat save can take the form of phone or chat interfaces to take pictures on a computer screen or printed, and can also be extracted by specific technical chat records printed or stored in a specific device or medium, the specific device or media submitted to the Court.

In judicial practice, the authenticity of the chats can be implemented through the following ways:

First, by way of admission, that both parties recognized chats can be recognized as a real chat;

Second, after professional qualification of institutions or individuals identified or notary public notary network chats, as evidence of the facts in cases of private lending;

Three is a competent witness to testify or effective witness testimony proved to be the real network chat can be used as evidence.

2. network chats in private lending as evidence in the case, with integrity and relevance.

Integrity is refers to in civil borrowing case in the as evidence using of network chat records while to in form has integrity, including network chat records to to legal, and full of form rendering out, that network chat records must to legal recognized of evidence performance form rendering out, including text chat records, and video chat records, and voice chat records,; on the to in content Shang has integrity, that proof responsibility people in will network chat records as evidence submitted Shi, must full of submitted whole network chat records, Not only favourable parts, partial cut or none are committed to themselves.

Network chat records of associated sex is refers to in civil borrowing case in the as evidence using of network chat records of content must and the civil borrowing case of borrowing facts has contact, including the chat records and stay card facts has entity meaning Shang of contact and legal meaning Shang of contact, as chat records in the mentioned has borrowing of amount, and borrowing of delivered way, and borrowing of uses, and borrowing interest of agreed, and borrowing and the repayment of time and so on, these are on civil borrowing case need identified of facts and legal defined has important meaning.

3. network chats in private lending as evidence in the case, need to form a chain of evidence and other evidence.

Private lending is the main evidence promissory note or loan agreement, loan payment. In has IOU or borrowing agreement on borrowing people of information, and borrowing of amount, and borrowing of uses, and borrowing of paid way, and borrowing interest of calculation way made clear agreed and has borrowing paid voucher support of situation Xia, network chat records as a support evidence on borrowing of facts be support, in this situation Xia network chat records as a auxiliary evidence, and IOU or borrowing agreement naturally of formed has evidence chain.

In judicial practice, however, some did not give the lender the borrower IOU issued by or sign a loan agreement, but by way of Internet chat to the lenders loan, the lender to the borrower after paying the loan, it is difficult to recover, resulting in disputes. In this case, contains the lenders and borrowers to discuss borrowing network chats became key pieces of evidence, chat records alone, but on the facts of the case there is a determination difficult.

Therefore, if there is no promissory note or loan agreement and proof of bank transfer, phone bank transfer record, lenders collect borrowers evidence supporting information such as call recording, then the network can chat with these together form a complete evidence chain of evidence, prove the existence of borrowing between lenders and borrowers, chat records can be identified as having the force of the evidence the evidence.

没有借条，微信聊天记录也可作借贷证据 - 微信,聊天记录,借贷 - IT资讯

生活中关于借钱的段子和漫画多了去了，一般人都会打借条，但是也有很多人，用QQ、微信等网络聊天工具直接跟别人开口借钱，这样的聊天记录可以作为证据么？

近年来司法实践中发现，越来越多的民间借贷纠纷案件涉及到将网络聊天记录作为证据使用便是最好的例证。

网络聊天记录作为一种电子证据，具有数据性、多样性、易复制性、易破坏性等特点，在民间借贷案件中，网络聊天记录作为证据使用，应具备以下3个方面的条件：

1.网络聊天记录在民间借贷案件中作为证据使用，必须具有真实性。

网络聊天记录的真实性包括两个方面的内容，一方面是主体真实，即网络聊天记录是记录真实出借人和借款人之间聊天的记录。实践中当事人提交到法院的网络聊天记录多以QQ聊天记录和微信聊天记录为主，而QQ聊天记录和微信聊天记录界面显示出来的聊天主体均具有特定的昵称，举证责任人需举证证明该昵称所代表的人物和借款人或者出借人是同一人，这可以通过到提供聊天软件服务的相应服务商处调取QQ和微信号码注册者的身份信息进行证明。

另一方面，网络聊天记录的真实性表现为内容的真实性。由于网络聊天记录以计算机数据技术为支撑，具有易复制性和易破坏性的特定，在数据提取过程可以通过特定的计算机技术进行复制、修改和删减，因此，在网络聊天记录的提取过程中保证聊天记录的真实性至关重要。在实践操作中，举证责任人可以采取聘请提供聊天软件的服务商技术人员进行信息提取或者对提取的聊天记录到公证处进行公证，或者寻求适格证人作证，在证人的监督下进行聊天记录的提取，这些方法均可以保证聊天记录的真实性。对于聊天记录的保存形式可以是将手机或电脑上的聊天界面进行拍照或者截屏后打印，也可以是通过特定技术将聊天记录提取出来后打印或者存贮在特定的设备或者介质中，将特定的设备或者介质提交给法院。

聊天记录的真实性在司法实践中可以通过以下几种方式来实现：

一是通过自认的方式，即双方当事人都认可的聊天记录可以认定为真实的聊天记录；

二是经过具有专业资质的机构或者个人鉴定过或者公证部门公证的网络聊天记录，可以作为民间借贷案件中认定案件事实的证据使用；

三是适格的证人以作证或者有效证人证言方式证实是真实的网络聊天记录的，可以作为证据使用。

2.网络聊天记录在民间借贷案件中作为证据使用，须具有完整性和关联性。

完整性是指在民间借贷案件中作为证据使用的网络聊天记录一方面要在形式上具有完整性，包括网络聊天记录要以合法、完整的形式呈现出来，即网络聊天记录须以法律认可的证据表现形式呈现出来，包括文字聊天记录、视频聊天记录、语音聊天记录等；另一方面要在内容上具有完整性，即举证责任人在将网络聊天记录作为证据提交时，必须完整的提交整个网络聊天记录，不能只提交对自己有利的部分，而对自己不利的部分予以删减或者不提交。

网络聊天记录的关联性是指在民间借贷案件中作为证据使用的网络聊天记录的内容须与该民间借贷案件的借贷事实有联系，包括该聊天记录与待证事实有实体意义上的联系和法律意义上的联系，如聊天记录中提到了借款的金额、借款的交付方式、借款的用途、借款利息的约定、借款及还款的时间等等，这些都对民间借贷案件需要查明的事实和法律界定具有重要意义。

3.网络聊天记录在民间借贷案件中作为证据使用，需与其他证据形成证据链条。

民间借贷案件的主要证据是借条或者借款协议、借款支付凭证。在有借条或者借款协议对借款人的信息、借款的金额、借款的用途、借款的支付方式、借款利息的计算方式做出明确约定并有借款支付凭证佐证的情况下，网络聊天记录作为一种佐证证据对借款的事实予以佐证，在这种情况下网络聊天记录作为一种辅助证据，与借条或借款协议自然而然的形成了证据链条。

但是在司法实践中，有些借款人并没有给出借人出具借条或者签订借款协议，而是通过网络聊天的方式向出借人提出借款，出借人给借款人支付借款后，难以收回，产生纠纷。在这种情况下，载有出借人和借款人商讨借款事宜的网络聊天记录就成为了关键证据，但是仅凭网络聊天记录就对案件事实作出认定还是存在一定难度的。

因此，如果只是没有借条或者借款协议，而有银行转账凭证、手机银行转账记录、出借人催收借款的电话录音等证据资料予以佐证，那么网络聊天记录可以与这些证据一道形成完整的证据链，证明出借人与借款人之间借贷事实的存在，网络聊天记录可以认定为具有证据效力的证据。