The update was interrupted last week for some reason. To catch up with the disaster in Henan, I donated 600 yuan as a good deed. I will update as normal this week.

On July 28, Tencent Electronic Signature launched the "Small IOU" function, providing users with real-name authentication, IOU templates, IOU signing, and contract deposit functions. Users can use the "Tencent Electronic Signature" WeChat applet to IOUs with legal effect can be quickly issued.

I was not idle. I carefully read the "Concise Notice", "Service Agreement" and "Legal Design Instructions" and highlighted the key points.

1. Identity information

When creating a new contact, you need to provide the other party’s ID number and contact information. Both parties need to verify the identity information and conduct face recognition, which is sufficient to ensure the accuracy of the identity information. sex.

In the process of practicing, it often happens that the parties are unable to provide the identity information of the other party, or even encounter the situation where the other party deliberately provides a false ID number, which undoubtedly adds obstacles to rights protection. This function of the small IOU can Perfect solution to this difficulty.

In addition, Xiao IOU sets a lower age limit for users of 22 years old and an upper limit of 60 years old. People under the age of 18 are those with limited capacity for civil conduct. There are a large number of college students between the ages of 19 and 22, and the economy is not fully developed. Independently, it is more difficult for people over 60 years old to operate small IOUs. This setting is still very scientific, but the upper and lower limits may be adjusted when necessary.

2. Borrowing amount and frequency

The single lending or borrowing amount shall not exceed 100,000 yuan, the annual lending or borrowing shall not exceed 300,000 yuan, and the borrower’s annual borrowing times shall be 15 times. , there are 15 borrowers, the lender has 15 annual lending times, and the annual lending recipients are 9.

Avoid illegally absorbing public deposits and illegal lending.

3. Interest rate

The default is 0, the upper limit is annualized 12, the legal upper limit interest rate is 4 times LPR but may also be lowered, currently it is annualized 15.4, the upper limit is monthly An interest rate of 1 cent is still reasonable.

4. The jurisdiction of the litigation is agreed upon

The default jurisdiction is the people's court where the lender is located. It should be noted that if there is a regular residence in this location, the regular residence is the location, such as the residence permit issued, etc. If there is no regular residence, the location refers to the place of household registration. When lending, consideration must be given to the convenience of possible litigation.

5. What can you write in the remarks?

What I really want to tell friends who read this article is that you can write in the remarks, "Signing the contract means that if it is overdue, the loan will be The person shall compensate the lender for attorney fees, travel expenses, etc. that may be incurred by the lender in safeguarding its rights.”

You can also agree on overdue interest. For example, if there is no interest during the loan period, even if the overdue interest is agreed to be 15.4, it doesn’t mean I cheated you, right?

You can also note the repayment account, etc.

6. Submit evidence

After the small IOU is signed, the lender or borrower can actively apply to download the .pdf file, print it into paper material and submit it to the court. This is The core evidence.

7. Other minor questions

Is there any charge for using small IOUs? free.

Is Small IOU P2P? no.

Does Small IOU provide loans or financial services? Not provided.

Do you provide collection for small IOUs? Not provided.

Can I borrow money from strangers (non-WeChat friends) with small IOUs? Yes, reminder via text message.

Won’t the overdue IOU affect your credit report? Won't.

If the borrower is overdue, will the small IOU help the lender directly deduct the balance from WeChat Pay or the bound bank card? Won't.

Guarantee? Husband and wife share the same debt? No, you need to sign a supplementary agreement and confirm the authenticity of the identity information and signature.

8. Overall evaluation

If the small IOU is used well, the lawyer's work will be much less and much easier.

If the attorney's fee agreement in the small IOU is used properly, the lawyer's work will be indispensable.

This feature is good and must be liked.