(1) The legal full names of the borrower and the lender;
(2) The amount and duration of the loan;
(three) the interest of the loan, there should be a clear annual interest rate or monthly interest rate, as well as the final loan interest payable;
(four) the year, month, day, time and payment method of repayment of loan principal and interest;
(5) Personal signature, handprint or handwritten signature of the borrower.
The risk prevention of white bars is as follows:
① The supporting evidence is complete. In addition to properly keeping the IOUs, creditors should also pay attention to keeping other evidence that can prove their claims, such as transfer records. If you transfer money through WeChat or Alipay, it is best to indicate the nature of the loan and the information that other IOUs should have in the form of postscript or information, and ask the debtor to issue a written IOUs afterwards.
(2) verifying and clarifying the identity of the subject. The creditor shall examine the debtor's identity document and ask the debtor to write the loan in person to avoid hidden dangers caused by others signing on his behalf. If the IOU is printed, it is best to ask the borrower to sign, seal and press the fingerprint in the borrower's signature column.
(3) It is clear whether the borrower borrows in the name of a natural person or a company. The legal representative or person in charge may engage in civil acts including payment on behalf of the company or enterprise. If the creditor does not clarify the identity of the debtor, there may be confusion about the identity of the borrower. The direct consequence is that creditors will have to face mutual prevarication between companies or enterprises and borrowers in future lawsuits, which will bring trouble to the realization of creditor's rights.