The borrower’s fingerprints on the IOU are protected by law.

Only fingerprints on the IOU are valid. If the parties sign the IOU, it should include the full legal names of the creditor and debtor, specific information about the debt, the specific time limit and method of repayment, etc., and the person who signed the IOU should The behavior should be the true expression of the parties’ intentions.

For an IOU to be legally effective, it must meet the following requirements:

1. It must be able to prove the fact that a debt is owed;

2. It must be An expression of true intention;

3. The IOU must be obtained legally.

The content of the IOU includes the following:

1. Title: The title of the IOU is generally composed of the name of the genre, that is, "IOU" is written in a larger font in the middle above the text. "Two words. Some also write the words "arrears" or "owe now" as the title in this position, but the main text of this title is written in the top box of the next line;

2. Text: the main text of the IOU. Write clearly what person or unit you owe, what amount, and indicate the date of repayment;

3. Signing: The name of the debtor's unit and the signature of the person handling the payment must be signed when signing the payment. It must be an individual. The IOU issued must be signed by the name of the individual who owes the debt. And also sign the date of the IOU. The unit's official seal must be stamped, and the individual's private seal must be stamped.

To sum up, not all IOUs are valid, and not all IOUs are invalid. The main thing is whether the IOU in your hand clearly expresses the names and wishes of both parties. And most importantly, the creation of an IOU must occur on the basis of equality and willingness of both parties.

Legal basis:

Article 667 of the "People's Republic of China and Civil Code"

A loan contract is a loan from the borrower to the lender , a contract to return the borrowed money and pay interest when due.

Article 668

A loan contract shall be in written form, unless otherwise agreed on the 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.

Article 669

When entering into a loan contract, the borrower shall provide the true situation of business activities and financial status related to the loan as required by the lender.

Article 670

Interest on loans shall not be deducted from the principal in advance. If interest is deducted from the principal in advance, the loan shall be returned and interest calculated based on the actual borrowed amount.

Article 671

If the lender fails to provide the loan in accordance with the agreed date and amount, causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan according to the agreed date and amount, the borrower shall pay interest according to the agreed date and amount.

Article 672

The lender may inspect and supervise the use of the loan in accordance with the agreement. The borrower shall provide relevant financial accounting statements or other information to the lender on a regular basis as agreed.

Article 673

If the borrower fails to use the loan according to the agreed purpose of the loan, the lender may stop issuing the loan, withdraw the loan in advance or terminate the contract.