Legal analysis: Generally speaking, forged IOUs can be identified in the following ways, which can be investigated and verified by relevant financial institutions according to the application, or the parties can be required to provide relevant settlement vouchers. Identifying forged IOUs can also pass technical appraisal, which is the most direct and effective method to judge the authenticity of IOUs. Forged IOUs usually include the contents, time, signature, handprint and fingerprint of forged IOUs. The obligee can identify the authenticity of the loan through judicial expertise.

Legal basis: Article 76 of the Civil Procedure Law of People's Republic of China (PRC), the parties may apply to the people's court for an appraisal on the specialized issue of finding out the facts. If the parties apply for appraisal, the qualified appraisers shall be determined by both parties through consultation; If negotiation fails, it shall be designated by the people's court. If the parties concerned do not apply for identification, and the people's court considers it necessary to identify specialized issues, it shall entrust a qualified appraiser for identification.