If the ID number is not written on the IOU, but it has the signature and fingerprint of the other party, the IOU can be valid.

An IOU is a document written by an individual or unit to the relevant unit or individual when they owe money or property. IOUs are also called "white notes" today. IOUs are also common written documents in daily life that are written to prove that one party owes another party property. It is a type of voucher application style.

Format and precautions for IOUs:

1. The subject of the creditor's rights and debt relationship must be clearly expressed, that is, who is the creditor and who is the debtor (note the ambiguous meaning of the word "borrow" ) must be clear; when a natural person is the subject, the name on the ID card should be checked, and when conditions permit, the resident ID number should be copied on the IOU; when a legal entity is the subject, the official seal of the unit should be affixed.

2. The unit of amount should be clear, the amount should be written in traditional Chinese characters, and the ratio should be clear as percentage, thousandth and ten thousandth.

3. Express clearly and avoid ambiguity. The return date should be clearly stated. If there is an agreement on interest, this should be stated. Otherwise, it will be regarded as no interest according to law. If there is an agreement on liquidated damages, this should be stated clearly. If there is a guarantor, the method of guarantee should be indicated and the guarantor should be written down.

4. It is best to have two copies of the document, with each party holding one copy. As a quick and convenient way of confirmation, the notes are generally handwritten, and the issuer is specific, that is, written and stamped by the debtor, borrower, and recipient. However, in reality, there are many documents written by creditors, lenders, , when it is given to someone to write and then signed by the debtor, borrower and recipient. In this situation, if the debtor, borrower, and recipient do not have the same note in hand, and the writer has made some manipulations on the only remaining note, such as adding the amount of the loan, then the person who signed the note will How to defend? On the contrary, if there are two identical (in duplicate) documents, both parties will not only be in vain, but also hurt their feelings.