Legal subjectivity:

If it is really an IOU, it may not be a big problem, and if it is a bit troublesome, it can be solved. Because an IOU requires evidence of the reason for the debt, for example, if you write that you owe someone money for goods, they did not trade the goods, you do not have such goods, and you did not trade such goods, but you write such an IOU to them. , it is difficult for people to win the lawsuit. Although the IOU is legally binding once it is signed and paid, and handed over to the other party, it is still difficult to win the case without evidence of the reason for the debt. If you are borrowing money, the problem becomes bigger, because borrowing money does not require other evidence. The IOU is the only evidence. As long as the IOU is signed and paid and handed over to the other party, it will have legal effect. When you write the IOU and sign it with your name, you You must pay back the money. If you don't pay back, they will win the lawsuit, and you must also pay back the money. IOUs cannot be written casually. Once written, they are legally binding and require repayment. Legal objectivity:

Article 668 of the Civil Code: A loan contract shall be in writing, unless otherwise agreed upon for a loan between natural persons. The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.