The significance of management and review of IOUs for personal consumption loans mainly includes the following two aspects:

1. Ensure the safety of funds: Through the management and review of IOUs, the security of loan funds can be ensured Transparency in nature and flow direction prevents improper lending and illegal operations and reduces the risks of financial institutions.

2. Comply with laws and regulations: The management and review of personal consumer loan IOUs are necessary means for financial institutions to comply with laws and regulations and standardize operations, and help maintain fairness, justice and transparency in the financial market.