1, IOUs can be handwritten or printed, but handwritten signature is required. Even if the IOU is printed, as a person with full capacity for civil conduct who has reached the age of 18 and has normal intellectual development, his signature on the IOU is regarded as his confirmation of the printed content. If the other party denies the authenticity of the loan, the other party shall bear the burden of proof, and the other party has the right to apply for handwriting identification and bear the legal risks of handwriting identification. If the other party fails to provide evidence, it shall bear the legal consequences of not providing evidence, that is, repay the loan.

2. Legal basis

3. Article 44 of the Contract Law: A contract established according to law shall take effect upon its establishment.

4. Where laws and administrative regulations stipulate that approval and registration procedures shall be handled, such provisions shall prevail.

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