1. How to operate the service of writing IOUs by Lending Bao: (Take version 3. 16. 1.0 of Xiaomi11miui12.6.5 as an example)

1. Download the loan APP by mobile phone, fill in the registration information and activate it;

2. Enter the main page of App and add the borrower;

3. Click "IOU", and the contents to be filled in include loan amount, repayment date, annual interest rate, loan purpose and loan issuance date, and you can freely choose the issuing object.

4. Check "Related Agreements" and click "Publish" after confirmation;

5. You need to enter the transaction password. After successful publication, borrowers can see the IOUs.

Second, the electronic IOUs are printed in the loan treasure, and the product advantages are:

The court recognizes, helps remind, and does not lose it, which avoids the potential risks of handwritten and irregular IOUs and ensures the effectiveness and fairness of private lending agreements.

I. Lending treasure software functions:

1, IOU

After the borrower and the lender reach an agreement on the loan amount, term, interest rate and other conditions through offline negotiation, they will print electronic IOUs through the loan treasure.

The loan agreement template is provided by the borrower's debit note operator. After both parties fill in the conditions independently, they will sign electronically. The lender transfers the funds to the borrower through a third-party payment institution or other means, that is, the loan is completed, and the borrower is entrusted to keep the evidence materials such as the agreement.

When the loan expires, the borrower can repay the loan to the lender in various ways. After negotiation, both parties can extend the loan term and cancel the account through the loan treasure, or entrust relevant parties to provide repayment reminders and legal services through the loan treasure. Users bear the loan risks themselves, and Lending Bao does not provide promises or guarantees for the recovery of principal and interest.

Step 2 Fill in the IOUs

The two parties who form the creditor's rights and debts online make up the electronic IOUs through the loan treasure, and the reason for the relationship is that the credit is sold on credit.

The operator of the debit notice will provide the template of the debt agreement. After the two parties fill in the conditions independently, they will sign electronically and entrust IOUs to keep the evidence materials such as the agreement.

After the debt expires, the debtor can repay the creditor in various ways. After negotiation, both parties can also extend the loan term and cancel the account through the loan treasure, or entrust relevant parties to provide repayment reminders and legal services through the loan treasure.

3. relatives and friends vote

Individuals' desire to send investment opportunities to relatives and friends at the same time through lending treasures. After relatives and individuals reach an agreement on the investment amount, duration and annualized rate of return, they can generate and save the agreement through borrowing treasure.

4. Settle old accounts

Individuals can register their creditor's rights unilaterally by borrowing money, and they can choose to entrust litigation or call for collection.

5, enterprise accounts receivable discount

Supplier enterprises initiate accounts receivable discount, and downstream enterprises use their own funds, institutional funds, employee investment and other funds to discount. Supplier enterprises recover accounts receivable in advance, and downstream enterprises get payment discounts.

6, enterprise employee investment

Enterprises can increase their credit in various ways when issuing employees' investment targets. Total amount = number of paid and certified employees * 200,000 yuan. Enterprises get the funds needed for production and operation, and employees get investment income.