From the creditor's point of view, it is best for the borrower to write the loan, mainly to express clearly the loan amount, the way the borrower has actually received it, and the repayment date. It is best to write the signature in clear font, and it is best to press the handprint at the same time. First, disputes arise, so as not to dispute the authenticity of IOUs, and also to prevent borrowers from deliberately changing their writing habits and causing disputes.