1. Is it valid if the IOU has a signature but no fingerprints? 1. Is it valid if the IOU has a signature but no fingerprints? The party’s signature, seal or fingerprint on the IOU has the same effect, as long as the party has Corresponding capacity for civil conduct, the behavior is a true expression of intention, and the specific content does not violate legal provisions, etc., it is legal and valid. 2. Legal basis: Article 143 of the Civil Code, a civil legal act is valid if it meets the following conditions: (1) The actor has the corresponding capacity for civil conduct; (2) The expression of intention is true; (3) It does not violate The mandatory provisions of laws and administrative regulations do not violate public order and good customs. Article 469: The parties may conclude a contract in written form, oral form or other forms. Written forms are contracts, letters, telegrams, telexes, faxes and other forms that can tangibly express the content contained therein. Data messages that can tangibly express the content through electronic data exchange, email, etc., and can be retrieved at any time, are deemed to be in written form.

2. How to write an IOU to be protected by law 1. The full legal names of the borrower and lender should be written clearly; 2. The loan amount should be written clearly, including the amount in uppercase and lowercase letters; 3. The loan amount should be written clearly The loan time period should be clearly stated, including the start and end dates of the loan and the clear loan period; 4. The specific year, month and day of repayment should be clearly written; 5. The interest of the loan should be clearly written, and there should be a clear annual interest rate or monthly interest rate. Agreement on the total amount of loan interest that should be paid in the end (including the amount in uppercase and lowercase letters); 6. The year, month, day, time and method of payment for the repayment of the loan principal and interest should be clearly stated; 7. The borrower should have his or her signature, fingerprint or handwriting. . The issuance of an IOU is based on the actual loan situation. Both parties can issue an IOU based on the results of negotiation. After forming a written agreement or contract, both parties should sign or fingerprint for confirmation. There is no legal requirement that two parties must sign the IOU. Both parties should proceed at the same time, and the handling of relevant matters should be based on actual conditions.