Usually, it is a creditor's right certificate issued by the debtor to the creditor when he should perform his debts, but he can't repay his debts on time due to his own reasons.

There is a great difference between the word "owe" and the word "borrow". The word "owe" reflects a kind of "state", which shows that the creditor's rights relationship is formed by borrowing, but the IOU cannot explain the real reason of the creditor's rights relationship. IOUs and IOUs are different in nature, and IOUs are used to confirm the legal facts of borrowing. An IOU is a proof of arrears, a confirmation of the fact of arrears, and has the nature of dunning. When the IOU holder brings a lawsuit to the court by virtue of IOU, it is easier to identify and identify the fact of borrowing between the parties through IOU itself. Generally, the IOU holder only needs to simply state the loan facts to the court, and it is generally difficult for the other party to deny it. However, when the IOU holder brings a lawsuit to the court with IOU, the IOU holder must state the fact of debt formation to the judge. If the other party denies it, the holder of the IOU must further prove the fact that the IOU was formed.

The reason for the debt

Borrowing money can be one of the reasons. In other contracts, such as sales contracts, contracting contracts, transportation contracts, etc. As long as the debtor fails to perform the debt in time, the creditor can also ask for an "IOU". In many cases, the "IOU" is often the settlement certificate of economic exchanges between the two parties, indicating that the creditor-debtor relationship has been formed between the two parties since the date of writing the "IOU". When writing "IOUs", we should not only pay attention to the matters when writing "IOUs", but also pay attention to the reasons why "IOUs" occur, that is, why we owe money. Because, as far as arrears disputes are concerned, the "IOU" issued by the plaintiff should not only prove the facts of arrears, but also prove the legitimacy of arrears and state the reasons, which also shows the legitimacy of arrears. Illegal arrears are not supported by the court. For example, this kind of creditor's rights will not be supported by the court as long as there is evidence to prove the illegal facts. Another example is whether to return the case "Love IOUs". Huang Hui (a pseudonym) and Li Juan (a pseudonym) have known each other for more than two years, but some time ago, Huang Hui met a new girlfriend and suddenly broke up, which made it difficult for Li Juan to accept. He suddenly remembered Huang Hui's "love IOU", and I, Huang Hui, have a good relationship with Li Juan and will marry him next year. If I don't cherish Li Juan and break up with him, I will pay him RMB 200,000. In Li Juan's view, she didn't really want to owe money, just wanted to "blackmail" her to come to their senses. "