Legal analysis: It is legally effective for borrowers to write their own IOUs and press their fingerprints. Usually, IOUs should be signed and fingerprinted. If the parties conclude a contract in the form of a contract, they shall sign or seal it. If the parties press their fingerprints on the contract, the people's court shall determine that it has the same legal effect as the signature or seal. The handprint on the iou has the same legal effect as the signature. If the debtor does not admit it, only fingerprint identification is needed.

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.