Legal analysis: IOU writing: topic: write IOU for loan, IOU for payment; Content: Write clearly the name of the lender (optional), the name of the borrower (consistent with the name of the ID card and residence permit), the loan amount (consistent with the figures), the purpose of the loan (optional), the loan term (optional) and the interest (optional); Signature: No matter whether the title or content is written or printed by the lender or the borrower, the borrower must personally sign and indicate the date of borrowing. Problems to be explained: the lender should keep the borrower's ID card, residence permit, copy of work permit and contact information; If the loan amount is large, the bank account numbers of both parties can be written by bank transfer, and the lender keeps the bank transfer voucher. See: I borrowed (in words) yuan only (￥ yuan) due to work needs, with interest of, and the term is months. Borrower: ID number: contact information: MM DD YY.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

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 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.