Intermediary loans require a certifier and the loan will not be granted. According to the query of relevant public information, the loan certifier is a person who can prove that he has received a loan from a certain lending institution. The certifier is not a party to the legal relationship of private lending and does not bear any legal responsibility for the borrower's failure to repay the loan on time. The certifier does not need to bear any liability. Proof of financial responsibility is not a guarantee, but it can be used as a witness in future lawsuits and testify in court. The prerequisite is that the IOU must clearly indicate who the certifier is, and it must have his or her signature and fingerprints.