Legal Subjectivity:

Irregular IOUs generally do not affect the legal effect of the IOU. As long as the content is legal, irregular IOUs can be used and can also be used as evidence. . It can be supplemented later with the agreement of both parties. However, to prove the existence of a loan relationship, if a third party is present when the IOU is issued, his testimony will also be proof. Article 490 of the Civil Code: If the parties conclude a contract in the form of a contract, the contract shall be established when both parties sign, seal or fingerprint the contract. Before signing, sealing or fingerprinting, one party has performed its main obligations and the contract is established when the other party accepts it. Legal objectivity:

Article 206 of the "Contract Law of the People's Republic of China" The borrower shall repay the loan within the agreed period. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined in accordance with the provisions of Article 61 of this Law, the borrower may return the loan at any time; the lender may urge the borrower to return the loan within a reasonable period of time.