First, open the latest version of WeChat, click the search function above, and enter the Tencent e-sign, and then an official applet will appear. After clicking in, you can see the functions of small receipt and small loan in the interface. Select the required electronic signature and click Create. Enter the borrower's information according to the prompt, including ID number, name and amount. You can also choose the interest rate, set the repayment time, and send the IOU to the borrower for signature after it is generated, so that the IOU has legal effect. Small IOUs also have dunning function. Tencent will send a short message to the borrower when it is close to the agreed repayment time, so as to avoid the embarrassment when the borrower urges repayment.

What do I think of this function?

I think this function is very helpful for commercial loans. If you have already borrowed it, it is not difficult to borrow it again. But if you lend money to a friend or relative, you won't use this function at all, because the borrower is embarrassed to sign a loan contract with the other party, and this function is more troublesome to operate and not suitable for the elderly. An honest man who borrows money from others always remembers to pay back the money. It doesn't matter whether they sign the IOU or not. Some laolai are miserable when borrowing money, and they either shirk or refuse to pay back the money. Even if there is an iou, it is difficult to force the other party to pay back the money.

How do I usually lend money to my friends?

Usually, I will transfer money through WeChat Alipay, and if necessary, I will note the loan on it. No matter how much money I borrowed, I can remember it clearly. When the other party repays, it will also indicate that the repayment has been made. Every bill will be recorded in wechat, except that it can't be reminded at all times. Actually, it's not much different from IOUs.

Personally, if the loan amount is too large and the other party is not familiar with it, it is indeed possible to open a debit note through WeChat. When the other party does not pay back the money, it can appeal to the court through WeChat. If you only rely on the transfer record, the court may feel that the money was transferred to the other party voluntarily, and then it is more difficult to get the money back.