Legal analysis: it doesn't mean that the law will support the legality of this IOU, because only the signature is yours, the contents on it are forged by others, and the loan transaction also needs vouchers, so in fact, even if others forge IOUs, they will not be supported in the end. If the creditor who holds the IOU claims rights from you, he can argue that the IOU is forged. If the creditor is a person who forges debts, he can report to the public security organ that he is suspected of fraud.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.