Our country's law does not stipulate that IOUs must be printed by fingerprints. An IOU is valid as long as it truly reflects the facts of the loan and does not violate the law. If there is a signature on the IOU and a payment voucher, it can prove that there is a real loan relationship between the two parties, and the real and legal loan relationship is protected by law, and the debtor should bear the responsibility for repayment.

According to Article 90 of the General Principles of Civil Law:

Legal lending relationships are protected by law.

Article 89 In accordance with the provisions of the law or the agreement of the parties, the performance of debts may be guaranteed in the following ways:

1. The guarantor assures the creditor that the debtor will perform the debt. If the debtor fails to perform the debt, the guarantor shall perform or bear joint liability as agreed; The guarantor has the right to recover from the debtor after performing the debt.

2. The debtor or a third party may provide certain property as collateral. When the debtor fails to perform the debt, the creditor has the right to discount the collateral or give priority to compensation with the price of selling the collateral according to law.

Extended data:

According to Article 2 of General Principles of Civil Law: Creditor's Rights

Article 84:

Debt is a specific right and obligation relationship between the parties according to the contract or the law. Creditors are creditors and debtors are debtors. The creditor has the right to require the debtor to perform its obligations in accordance with the contract or according to law.

Article 85:

A contract is an agreement between the parties to establish, change and terminate a civil relationship. Contracts established according to law are protected by law.

Article 86:

If there are more than two creditors, they shall share the rights according to the determined share. If there are more than two debtors, they shall share the obligations according to the determined share.

Article 87:

If there are more than two creditors or debtors, each joint creditor has the right to require the debtor to perform its obligations in accordance with the provisions of the law or the agreement of the parties; Every debtor who is jointly and severally liable has the obligation to pay off all debts, and the person who has fulfilled the obligation has the right to ask other persons who are jointly and severally liable to pay his share.

Article 88:

The parties to a contract shall fully perform their obligations under the contract.

If the quality, time limit, place or price agreed in the contract are unclear and cannot be determined according to the relevant provisions of the contract, and the parties cannot reach an agreement through consultation, the following provisions shall apply:

1. If the quality requirements are not clear, it shall be implemented according to the national quality standards; If there is no national quality standard, the usual standard shall prevail.

2. If the time limit for performance is not clear, the debtor may perform its obligations to the creditor at any time, and the creditor may also require the debtor to perform its obligations at any time, but the other party shall be given the necessary preparation time.

3. Where the place of performance is unclear, if the payment is made in currency, it shall be performed at the place where the party receiving the payment is located, and other targets shall be performed at the place where the party performing the obligation is located.

4, the price agreement is not clear, in accordance with national price regulations; Where the state does not stipulate the price, it shall be implemented with reference to the market price or the price of similar goods or the remuneration standard of similar services. If the right to apply for a patent is not stipulated in the contract, the party who completed the invention-creation shall enjoy the right to apply. If there is no agreement on the right to use scientific and technological achievements in the contract, all parties have the right to use them.

Baidu Encyclopedia-General Principles of Civil Law