1. It is better for the IOU to be written by the borrower, but attention should be paid to the writing standard. The printed IOUs have the same legal effect, but they are easy to forge. The borrower's signature should also be based on the handprint. The borrower's information must be clearly written with the ID number, and the borrower should be required to provide the original for verification when writing the loan.
2. The date when the loan occurred must be clearly written, and it is best to be accurate to the day. The repayment date can be agreed in the loan slip. If the repayment date is not agreed, the borrower can claim to return it at any time. If the repayment date is agreed, it can only be requested when the repayment date expires. If the repayment date fails to be returned, the lender shall file a lawsuit within two years, and may lose the right to win the lawsuit after the deadline.
3. The loan amount should be capitalized in Arabic numerals and Chinese at the same time, and the currency should be clearly written, such as "RMB 1,. Yuan only (RMB 1, Yuan only)" to prevent the holder of the IOU from tampering.
4. The payment shall be delivered by bank transfer as far as possible, and the account number and transfer date of the other party can be specified in the debit note. For transfer, you can note the purpose of the loan. If the amount is small, it should be indicated in the debit note that both parties' loans are delivered in cash. Either way, the borrower is required to write a receipt for the money received separately. The IOU can only prove that there is a loan contract relationship between the two parties, which is not enough to prove that the borrower has fulfilled the obligation to pay the money.
5. If the borrower is married, it is better to obtain the signature of the spouse, which is more secure for the creditor, so as to prevent one party from refusing to undertake the repayment obligation on the grounds of ignorance or enforcing it in court, and one party will transfer the property to the spouse, which will make it impossible to repay.
6. After the IOU is issued, a copy of the borrower's autographed ID card and a copy of the marriage certificate shall be collected at the same time.
7. If the amount is large, you can ask a lawyer or a third party to witness it and sign it.
1. Does this IOU mean that the company owes dividends to shareholders, or does the company borrow money from shareholders? If the company owes dividends to shareholders, it is necessary to analyze the reasons to know whether this IOU can be written. Because shareholders' right to claim dividends is their legal right, dividends cannot be defaulted. The company either has no profit, or has no money to pay dividends to shareholders after withdrawing the provident fund. In both cases, it is legal not to pay dividends.
2. However, if the company is profitable, and there is surplus after drawing capital reserve, it should pay dividends to shareholders. If the company's managers want to use the remaining profits to expand the scale of production and operation instead of paying dividends, they must obtain the consent of the shareholders' meeting, not just write an iou.