Not necessarily a civil servant.

To put it simply, it must be a disinterested person. For example, if you borrow money from a friend, you cannot ask your parents, brothers, sisters, relatives, etc. as witnesses, because they are related to you by blood. It will be a little more biased towards you. The following situations cannot be used as certifiers: 1. People without capacity or persons with limited capacity, 2. People who have a strong relationship with the borrower, such as close blood relations or marriage. In short, you can choose friends and neighbors. People who have no interest in the matter, such as the community or others, serve as certifiers and need to sign on the IOU or contract.