The following conditions are required for IOU prosecution:

In terms of the content of the IOU

The IOU must be a complete piece of paper and must not be torn or cut. Even if the debtor makes multiple borrowings and loans, they still need to be attached to the same piece of paper or written on another complete piece of paper.

From the perspective of the plaintiff:

Creditors who bring suit in court must have full capacity for civil conduct. For people who have no capacity for civil conduct or have limited capacity for civil conduct, the court needs to judge whether to accept the IOU based on the actual content of the IOU.

Analysis from other content that needs to be submitted:

First of all, in addition to the IOU, the plaintiff needs to provide a personal resident ID card to prove that he is a person with full civil capacity. Facilitate court filing and acceptance.

Online lending includes individual online lending (i.e. P2P online lending) and online small loans. Individual online lending refers to direct lending between individuals through the Internet platform. Direct lending activities that occur on individual online lending platforms belong to the category of private lending and are regulated by laws and regulations such as Contract Law, General Principles of Civil Law, and relevant judicial interpretations of the Supreme People's Court.

Online micro-loans refer to small-amount loans provided by Internet companies to customers through the use of the Internet through micro-loan companies controlled by them. Online small loans should abide by the existing regulatory regulations on small loan companies, give full play to the advantages of online loans, and strive to reduce customer financing costs. The online lending business is supervised by the China Banking Regulatory Commission.

In the traditional P2P model, online lending platforms only provide information circulation and interaction, information value identification and other services to facilitate the completion of transactions between borrowers and lenders. They do not actually participate in the lending interest chain. In terms of creditor-debt relationships, online loan platforms rely on charging certain handling fees from both borrowers and lenders to maintain operations.

The essence of Internet finance is still finance, and it has not changed the hidden, contagious, widespread and sudden characteristics of financial risks. Strengthening Internet financial supervision is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and an emerging industry. It is necessary to formulate moderately loose regulatory policies to leave room and space for Internet financial innovation.

By encouraging innovation and strengthening supervision to support each other, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, appropriate supervision, classified supervision, coordinated supervision, and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of each business format, implement supervisory responsibilities, clarify the bottom line of risks, protect legal operations, and resolutely Crack down on illegal activities and irregularities.