Have legal effect. An iou is a creditor's right certificate issued by the borrower to the borrower. In principle, the borrower only needs to write the loan content around the loan facts, and the lender does not need to sign the receipt. This is an iou clause without the lender's name.

Legal objectivity:

Article 667 of the Civil Code is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest. Legal basis: Provisions on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 16 The plaintiff only files a private lending lawsuit on the basis of creditor's rights certificates such as IOUs, receipts and IOUs, and the defendant argues that the loan has been repaid, and the defendant shall provide evidence to prove his claim. After the defendant provides corresponding evidence to prove his claim, the plaintiff should still bear the burden of proof for the establishment of the loan relationship.