Yes, the signature and fingerprint have the same effect, as long as it is my own. The law does not stipulate that the parties must press their fingerprints in addition to their signatures. Therefore, under normal circumstances, the contract is valid only if it is signed, and it is not necessary to have a handprint. You just need to choose one of the signatures and fingerprints. Of course, fingerprinting can further prove the authenticity of the contract signing subject, help to ensure the authenticity of the contract subject and reduce the contract risk. Therefore, if conditions permit, the parties may require the borrower to print their handprints on the IOUs.

People's Republic of China (PRC) Civil Code

Article 681 A suretyship contract is a contract in which the surety and the creditor agree that the surety will perform the debt or assume the liability when the debtor fails to perform the due debt or the circumstances agreed by the parties occur.

Article 685 A suretyship contract may be a separate written contract or a suretyship clause in the principal creditor's rights and debts contract. If the third party unilaterally makes a written guarantee to the creditor, and the creditor accepts it without raising any objection, the guarantee contract is established.