According to the relevant laws and regulations of our country, if the parties conclude a contract in the form of a contract, the contract will be established when both parties sign or seal it. Therefore, although there is no handprint on the IOUs or other contracts, they are all signed by the parties themselves. As long as it does not violate the provisions of national laws and regulations, the signed loan or contract is the true intention of the signatory.

According to Article 5 of the Interpretation on Several Issues Concerning the Application of People's Republic of China (PRC) Contract Law (II):

If the parties conclude a book contract by contract, they shall sign or seal it. If the parties press their fingerprints on the contract, the people's court shall determine that it has the same legal effect as the signature or seal.

Extended data:

Just as there are no two identical leaves in the world, everyone's signature is as unique as everyone's fingerprint. Therefore, only signing the loan and contract without fingerprints is also legally effective, which can fully represent the signatory's recognition of the signed documents, and the signed documents are the signatory's real thoughts.

In daily private lending, in order to protect their legitimate rights and interests, it is best to remind borrowers to write IOUs by hand and press their handprints after signing them. This is double insurance, because many people who love to practice handwriting can easily change their handwriting in a short time as long as they practice hard, and some debtors can also take the opportunity to avoid legal responsibility.

References:

Interpretation of some problems in the application of People's Republic of China (PRC) Contract Law-Baidu Encyclopedia