IOU (format): 1, title: IOU; 2. Content: How much money is owed to XXX today (RMB) (in words:); If the debtor agrees, it can also write "this money should be returned on a certain day of a certain year." If it is overdue, liquidated damages may be agreed; 3. Debtor: If it is an individual, it is required to write the full name, which should be the name on the ID card and be stamped with the handprint. If it is a legal person, the full name of the person should be written and stamped. 4. indicate the time of arrears.