Legal analysis: If the IOU is not signed by the person, and there is no other evidence to prove that the loan relationship is established, the IOU generally has no legal effect, and the parties can request the court to verify it. Evidence must be verified to be true before it can be used as a basis for determining facts. The parties concerned have the responsibility to provide evidence for their claims. The People's Court shall investigate and collect evidence that the parties and their agents ad litem cannot collect on their own due to objective reasons, or that the People's Court deems necessary to hear the case.

The People's Court shall comprehensively and objectively review and verify evidence in accordance with legal procedures.

Legal basis: "The People's Republic of China and the Civil Code"

Article 667 The contract is that the borrower borrows money from the lender, returns the loan and pays interest when due contract.

Article 668: Contracts 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.

Article 669: When entering into a loan contract, the borrower shall provide the true situation of business activities and financial status related to the loan as required by the lender.