Legal analysis: If you get the original handwriting, you can ask the public security department to identify the authenticity of the loan. In private lending, the general borrower should issue an iou to the lender to prove the fact of the loan and make an agreement on the relevant matters of the loan. Under normal circumstances, IOUs can fully prove the fact of borrowing. However, in the complicated social life, there are indeed cases where IOUs are issued out of thin air. In practice, there are mainly the following situations: first, under the coercion and inducement, entrust write-down loans; The second is gambling debts. If you have no money, you have to write an IOU. Third, forged IOUs, such as forged signatures and seals; Fourth, after the lender obtained the loan, the lender did not actually pay the borrower; Fifth, IOUs issued under unconscious circumstances such as drinking and taking drugs; Sixth, the amount of IOUs, repayment date, interest agreement and other contents have been greatly revised.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 148 If a party causes the other party to commit a civil juristic act against its true meaning by fraudulent means, the aggrieved party has the right to request the people's court or an arbitration institution to cancel it.

Article 149 If a third party commits a civil juristic act against its true meaning due to fraud, and the other party knows or should know about the fraud, the defrauded party has the right to request the people's court or an arbitration institution to cancel it.

Article 150 If one party or a third party coerces the other party to carry out a civil legal act against its true meaning, the coerced party has the right to request the people's court or an arbitration institution to cancel it.

Criminal law of the people's Republic of China

Article 192 Whoever illegally raises funds by fraudulent means for the purpose of illegal possession shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than seven years or life imprisonment and shall also be fined or confiscated.

If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.

Article 266 Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or solely be sentenced to fixed-term imprisonment of not less than three years but not more than 10 years, and shall also be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.