Just like writing an IOU in normal life, if you lend money from a bank to someone else, the bank will also ask you to repay the money and will not ask you to lend it to someone else. Therefore, you should still be cautious about this kind of behavior.

The IOU should state the borrower, lender, loan amount, time, interest, repayment date and purpose of use and other necessary information, and should be signed and sealed by the borrower.