It may be forged into IOUs or IOUs, but IOUs or IOUs belong to private lending contracts, which need to take effect first and then take effect, and loan contracts without money will not take effect.

Legal objectivity:

Article 668 of the Civil Code provides that 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.