1. The lender writes the IOU, and the borrower signs it according to the fingerprint. This iou is valid and has legal effect. 2. Lenders and borrowers are private lending relationships, and IOUs are contracts of private lending relationships. The law does not prohibit lenders from writing IOUs, so it is not illegal for lenders to write IOUs. The borrower's signature and handprint on the IOU written by the lender is the confirmation of the IOU written by the lender. Therefore, such a loan is effective and legally binding.

Legal objectivity:

202 1 1 Article 667 of the Civil Code in force? 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.