Legal analysis: Valid, as long as there is the signature of the borrower and the specific amount, it is valid. As long as the IOU expresses the true intention of the parties and has legal content and is confirmed by the signature of the party, it is legally valid and does not require a special format. Even if the IOU signed by the party or the IOU is defective in form, it will not affect the court's decision. trial of the case.

Legal basis: "The People's Republic of China and the Civil Code"

Article 667: The loan contract means that the borrower borrows money from the lender and returns the loan and pays when due interest contract.

Article 668: A loan contract shall be in written form, unless otherwise agreed upon for a loan between natural persons.

The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.