The Supreme People's Court's Interpretation on Several Issues Concerning the Application of the People's Republic of China (PRC) Contract Law (II) Article 5: "If the parties conclude a contract in the form of a contract, they shall sign or seal it. If the parties press their fingerprints on the contract, the people's court shall determine that it has the same legal effect as the signature or seal. "

My opinion is that if the receipt is handwritten and the receipt is not signed and sealed by handwriting, it is necessary to examine the authenticity of the receipt, including whether the lender has fulfilled its obligation to lend money, such as bank withdrawal vouchers. If it is an imitation bill, we can identify the handwriting of the receipt through judicial expertise, and then determine the validity of the receipt.