Legal analysis: 1, the format should be standardized and clear. It is suggested to use the standard format of written evidence such as IOUs and receipts. A complete IOU mainly includes four elements: creditor, debtor, debt content and return time. Of course, it also includes the signature and time. An iou should include five elements: payer, payee, delivery reason, delivery content and delivery time. These contents are reflected in the formal written evidence (available in shops), which is clear at a glance and the rights and obligations of both parties are very clear. 2. Matters needing attention in the form. When writing written evidence, there should be no blank lines between the lines, otherwise it is easy for the holder to add other contents. Don't write with a faded pen. It is best to use black ink or blue-black ink for pens, and black ink is also acceptable. If you write notes with ballpoint pens or other easily faded ink, the handwriting will become blurred if it is not properly preserved, which may also create opportunities for people with ulterior motives to use chemical substances to alter them. 3. The subject matter should be clearly written. When borrowing money, paying back money, borrowing things and returning things, the amount and quantity should be clearly written, and it is best to use capital figures to prevent alteration and forgery. It's money and things. We should distinguish them, and don't be vague and confused. When it comes to numbers, you'd better use capital letters. There are lowercase but no uppercase, the case is inconsistent, there is a space in front of the number, and the decimal point position is inaccurate. In order to facilitate the holder to add or modify the number, it will lead to disputes. For example, "the payment for goods is one hundred and eighty thousand RMB (65,438+0,800,000)", which is a common mistake. I've seen it many times, adding a zero at the end of the Rabe number will suddenly change dramatically. 4. The content should be clear. Sentences should not be sloppy and the order should not be reversed. There is a world of difference between "borrowing Zhang San" and "borrowing Zhang San". It is necessary to reform "IOUs" and "receipts" with each other, and the related smearing will pave the way for disputes. We should turn "IOUs" into "IOUs". Some companies owe wages to migrant workers and give them "IOUs" instead of "IOUs" owed by companies.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 667 A contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 668 A contract shall be in written form, except as otherwise agreed between natural persons.
The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.
Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.