Legal subjectivity:

It depends on the situation: 1. If the signing of the IOU is the true expression of intention of both parties, and the content of the IOU is legal, then the IOU is only valid with fingerprints and no signatures; 2. Not If the above situation is met, the IOU with only a fingerprint and no signature will not be legally binding. Article 146 of the Civil Code: Civil legal acts performed by the actor and counterparty with false intentions are invalid. The validity of civil legal acts concealed by false intentions shall be handled in accordance with relevant legal provisions. Legal objectivity:

Article 153 of the Civil Code that took effect on January 1, 2021: Civil legal acts that violate the mandatory provisions of laws and administrative regulations are invalid. However, this mandatory provision does not invalidate the civil legal act. Civil legal actions that violate public order and good customs are invalid. Article 154: Civil legal acts in which the actor maliciously colludes with the counterparty to damage the legitimate rights and interests of others are invalid.