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How to identify the act of tearing white stripes
Legal analysis: tearing up IOUs is nothing more than the following two situations:

One: The debt problems of both parties have been solved and the debts have been paid off, so the IOUs are torn up.

Second, it is an act of unilaterally tearing up debt vouchers in order to evade debts. For the torn debt certificate, first of all, it depends on whether the fragments of the certificate are complete, whether they can be put back to their original appearance, and whether the validity period of the debt certificate can be clearly seen will not be affected, so as evidence, there is still a certain basis. If the destruction of debt documents is too serious, it may not be a strong evidence.

Legal basis: Article 667 of the Civil Code of People's Republic of China (PRC) defines a loan contract as 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, except as 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 The borrower has the obligation to truthfully provide information to conclude a loan contract, and the borrower shall truthfully provide the business activities and financial status related to the loan as required by the lender. The Civil Code of People's Republic of China (PRC) has been officially implemented since 202 1 1.