1. What is the difference between IOUs and IOUs? IOUs represent a loan contract relationship. The borrower borrows money from the lender and the lender pays the loan. IOU is a settlement of the past economic exchanges between the two parties, indicating that a new pure creditor-debtor relationship has been formed between the two parties since the IOU was formed. The difference between IOUs and IOUs is as follows: 1. An IOU proves the loan relationship, and an IOU proves the debt relationship. Borrowing is definitely arrears, but arrears are not necessarily loans. 2. The reason for the formation of IOUs is the specific borrowing facts. There are many reasons for the formation of IOUs, which can be based on various facts, such as IOUs caused by buying and selling, IOUs caused by labor services, IOUs caused by enterprise contracting, IOUs caused by damages and so on. 3. When the IOU holder brings a lawsuit to the court by virtue of IOU, it is easier to identify and identify the fact of borrowing between the parties through IOU itself. Generally, the holder of the IOU only needs to briefly state the borrowing facts to the judge, and it is generally difficult for the other party to defend or deny it. However, when the IOU holder brings a lawsuit to the court, he must state the fact of IOU formation to the judge. If the other party denies or excuses this fact, the IOU holder must further prove the existence of the IOU-forming fact. Second, how to write IOUs 1. Just write down the loan amount, repayment time, loan location, borrower and other things related to loan repayment. Of course, don't forget to write your name. In addition, if it is not too much trouble, the loan amount is large and the loan time is long, the creditor can apply for notarization. 2. It is suggested to copy the ID cards of both parties and write the IOUs on the back of the copies. 3. Whoever borrows money from whom should be clear, the money must be capitalized, and finally it will end with all the capital. And the amount is best in the same line, don't disconnect, for example, 5800 yuan. 4. The IOU is the evidence for paying or demanding the owed things and debts. Don't scribble when writing IOU. At the same time, the white bars should be well preserved to prevent them from being lost. 5. IOU is a kind of borrowing and returning voucher in people's daily communication. If necessary, you can go through certain legal procedures (such as notarization) to prevent future troubles. 6. The IOUs must be legible and cannot be altered. In case of change, the changing party shall affix the official seal (private seal) or personal signature at the change place. 7. IOUs generally consist of three parts: title, text and signature. (1) The title of IOU generally consists of the name of the language, that is, the word "IOU" is written in a larger font in the middle of the upper part of the text. Some people write the words "temporarily owed" or "now owed" in this position as the title, but the text of this title is written in the top box of the next line. (2) The text of the IOUs should write down what people or units owe, what they owe and how much they owe, and indicate the repayment date. (3) The signature shall be accompanied by the name of the owed unit and the personal signature of the manager. If the IOU is issued by an individual, the name of the IOU shall be affixed to the signature. Meanwhile, the date of signing the debt. Units should build official seals and individuals should build private seals. Although IOUs and IOUs are often mixed together, people don't distinguish them too much, so when borrowing money, the other party writes IOUs instead of IOUs. If you study it carefully, you will find that once there is a dispute between the two parties, it is actually unfavorable to the lender. Therefore, to be on the safe side, in the loan relationship, it is best for the parties to distinguish between IOUs and IOUs first, and then choose different ones for different occasions.