Legal analysis: Try to use indelible ink such as carbon when typing IOUs, indicate the currency before the loan amount, use uppercase Chinese characters, and fill in lowercase Arabic numerals in brackets. The standard format is usually "why, how much money was borrowed from whom, what is the loan interest rate, when to pay it back, debtor's signature, witness's signature, year and date." Many Chinese characters in our country have the phenomenon of multi-tone and multi-interpretation. Once these Chinese characters are used on IOUs, they may cause disputes. For example, "paying back 10,000 yuan" can be understood as "paying back 10,000 yuan" or "owing 10,000 yuan". Some debtors used to find someone to write IOUs for them in order to avoid debts. When creditors demanded money back, they refused to pay back on the grounds that it was not their own handwriting. Therefore, the debt must be filled in by the debtor himself. If the IOU is printed, it is best to ask the borrower to sign, seal and print the debtor's signature column.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.