Legal analysis
An IOU is a written document indicating the relationship between creditor's rights and debts, which is generally written and signed by the debtor, indicating that the debtor has owed the creditor the amount indicated in the IOU. An iou refers to a bill written to the other party when borrowing personal or public cash or goods, that is, an iou. After the money and goods were returned, the IOUs were revoked or torn up. It is a document tool, which is usually used in daily life and enterprise management. The essence of IOU is a simple loan contract, and according to the relevant provisions of the Contract Law, if the parties conclude a contract in writing, the time of establishment of the contract is when both parties sign or seal it. Therefore, the loan contract is established when the borrower and the borrower sign and seal, that is, when the borrower and the debtor write down the loan and sign their own names, the loan has been established, not when the fingerprint is pressed. Whether the IOU is valid depends on whether the creditor and the debtor sign it. In addition, pressing the handprint is actually a way to increase the effectiveness, so pressing the handprint and the signature together play the role of double proof.
legal ground
Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 21 If a borrower and a lender form a lending relationship through the peer-to-peer lending platform, and the peer-to-peer lending platform provider only provides media services, the people's court will not support it if the parties request it to assume the guarantee responsibility. The people's court shall support the online loan platform provider who expressly provides a guarantee for the loan through websites, advertisements and other media or has other evidence to prove that the lender requests the online loan platform provider to assume the guarantee responsibility.