Legal analysis: effective. If the parties press their fingerprints on the iou, the people's court shall determine that it has the same legal effect as the signature and seal. 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. Everyone's signature, like everyone's handprint, is unique, which means that the signed document has been carefully read and approved by the signer. Therefore, it is also legally effective to sign the receipt without pressing the fingerprint, which can fully represent the signatory's approval of the signed document, and the signed document is the signatory's real idea. Signature and seal have the same legal effect. Therefore, if there is no borrower's fingerprint on the debit note, but there is its signature, it will not affect the validity of the contract, just write down the relevant contents in a standardized way.

Legal basis: Article 490 of the Civil Code of People's Republic of China (PRC). If the parties enter into a contract in the form of a contract, the contract shall be established when the parties sign, seal or press their fingerprints. Before signing, sealing or fingerprinting, one party has fulfilled its main obligations, and the contract is established when the other party accepts it.