1, it's hard to refuse without hurting friendship; As long as you refuse, it will certainly damage friendship; But it's for your personal credit in the future, and you won't be in debt for no reason. I suggest you refuse it directly;

2. Because he gave you a forged work certificate, he was suspected of defrauding loans; In order to protect your rights and interests, you can only ask him to sign an agreement for you, clearly stating that the loan belongs to him and determining the specific repayment date; If he breaks the contract, you have at least one proof;

Your friend pays back the money on time, and nothing happens;

In case he can't repay the loan on time or not (after all, his credit is not good), then the problems will follow one after another: 1, you are the debtor, and the creditors will only ask you for debts; 2. Because the original IOU was forged, even if you sue your friend, many things will be bad for you; Because fraudulent loans have violated the criminal law; 3. If he doesn't pay back, you must pay back; Otherwise creditors will sue you;