Legal analysis: when borrowing money from others, according to the requirements of the lender, the borrower will issue a handwritten debit note, or sign, stamp and fingerprint the debit note already written by others to show the fact of borrowing money. But sometimes it happens that the borrower's signature on the loan is not written by himself, which often happens when the two sides are close friends or relatives. For example, in rural areas, some people can't write their own names, which often happens. Legally speaking, if the borrower's name on the IOU is not written by the borrower himself, the IOU will have no legal effect. When the borrower refuses to repay the loan, even if the lender takes out the loan as evidence, without the borrower's autograph, the court can't confirm the fact of borrowing between the two parties.

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.