债权方式代签的借款合同是不是有效？-民间借贷纠纷法律援助-法律咨询免费平台-国际律师联盟

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问题	债权方式代签的借款合同是不是有效？
释义	律师分析: 未经他人授权而以他人名义订立合同，属于无权代理的行为，行为人没有代理权、超越代理权或者代理权终止后以被代理人名义订立的合同，未经被代理人追认，对被代理人不发生效力，由行为人承担责任。【法律依据】: 《中华人民共和国民法典》第一百一十九条依法成立的合同，对当事人具有法律约束力。合同是债发生的最重要最普遍的根据。
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