Whether the signature is the debtor himself can be solved by handwriting identification; An iou is the evidence of a loan contract, which takes effect when the debtor signs it. If there is no special agreement, you can not press your fingerprints. We all have the habit of fingerprinting at ordinary times, but it does not affect the validity of the signature. For the legally effective IOUs, who, what unit and what are owed should be written in the body of IOUs, and the repayment date should be indicated. The signature should have the name of the owed unit and the autograph of the person in charge.

Extended data

IOUs are short and pithy, and are often used in daily civil and commercial activities.

According to the three elements of civil legal relationship (subject, object and content), the following matters should be paid attention to when issuing IOUs:

I. Theme

It is necessary to clearly express the subject of the creditor-debtor relationship, that is, who is the creditor and who is the debtor (pay attention to the ambiguity of the word "borrow"); When a natural person is the main body, the name on his ID card should be checked. If conditions permit, the resident ID number should be copied on the iou and signed, preferably by hand print. ; If the legal entity is the main body, it shall be stamped with the official seal of the entity.

Second, the object

The unit of the amount should be clear, the amount should be marked with Arabic numerals and then written in traditional Chinese characters, and the proportion should be clear, such as percentage, ratio per thousand and ratio per ten thousand.

Third, the content

Express clearly and pay attention to avoid ambiguity. The date of return should be clear, if there is an interest agreement, it should be stated, otherwise it will be regarded as no interest according to law, and if there is an agreement on liquidated damages, it should be stated. If there is a guarantor, the method of guarantee shall be indicated, and the guarantor, the guarantor's signature and fingerprint shall be indicated.

Four copies and two copies.

It is better to have two receipts, one for each party. As a quick and convenient confirmation method, the receipt is usually written by hand, and the issuer is specific, that is, it is written and sealed by the debtor, the borrower and the donee, but in reality it is often written by the creditor, the lender and the donor, and then signed by the debtor, the borrower and the donee. In this case, if the borrower, the borrower and the payee don't have the same receipt, and the writer tampered with the only remaining receipt, such as adding the amount of the loan, how can the signatory defend? On the contrary, if there are two identical documents (in duplicate), cheating by both parties will not only be futile, but also hurt feelings.

Example:

IOU (I owe you)

Due to the purchase of * * * (ID number * * * * * * *), the total price is RMB 6,543,800.00 Yuan only, 90,000 Yuan has been paid, and the remaining RMB 6,543,800.00 Yuan will be paid before a certain year1October 10. I am willing to pay two ten thousandths of interest for every day's delay.

Debtor (signature): * * (ID number: * * * *)

* * * * Year * * Month * * Day

IOU (I owe you)

It is hereby confirmed that RMB (amount) is owed to (creditor) for (reason).

By person * year * month * day.

References:

Baidu encyclopedia-IOUs