In microfinance, if the lender only has an IOU, then the IOU is the agreement of the loan and the proof of delivery, because in microfinance, according to the common sense of life, it is not necessary for the lender to provide another transfer voucher as the fact of delivery.
The size of the loan amount is a relative concept, and there is no uniform standard. Generally, it should be comprehensively determined according to daily life experience, lender's lending ability, borrowing reasons and trading habits.
Between different entities, it is also possible that the loan of 50,000 yuan belongs to a large amount and needs a transfer voucher; However, in another loan, the loan of RMB 6,543,800+is still small, and no transfer voucher is needed.
legal ground
People's Republic of China (PRC) Civil Code
Article 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan. 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 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time. Article 677 Where the borrower repays the loan in advance, unless otherwise agreed by the parties, the interest shall be calculated according to the actual loan period. Article 672 The lender may inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.