Does not affect the legal effect of the IOU, as long as the IOU is written by the borrower himself and the amount, date and other contents have not been altered, the IOU is valid. Creditors may claim their claims against debtors. If the debtor denies the validity of the IOU in the lawsuit and thinks that it has no legal effect if it is not fingerprinted, the debtor will prove to the court that the IOU is not the relevant evidence written by himself according to the principle of who claims and who gives evidence. Otherwise, the debtor will bear the unfavorable burden of proof. Article 490 of the Civil Code If the parties conclude a contract in the form of a contract, the contract is established when the parties sign, seal or press their fingerprints. Before signing, sealing or fingerprinting, one party has fulfilled its main obligations, and the contract is established when the other party accepts it. A contract shall be concluded in written form as stipulated by laws, administrative regulations or agreed by the parties. If the parties do not do this in writing, but one party has fulfilled its main obligations and the other party accepts it, the contract is established.

Legal objectivity:

Article 143 of the Civil Code is valid if a civil juristic act meets the following conditions: (1) The actor has corresponding capacity for civil conduct; (2) the meaning is true; (three) does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs. Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method. Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.