一、意思表示真实、清楚，借款人签字或按手印确认均可。

二、规范的书写借条应该做到以下方面：

1、由借款人手写借条全文并签字，不要打印；

2、借条内容表述准确，不要产生歧义；

3、要求写清借款时间、借款用途（用途应合法不得是用于赌博等违法用途）、利息约定、还款期限；

4、贷款人交付钱款时，尽量不要现金交付，尤其是大额借款，要通过**汇款的方式进行，且对方的户名和借款人一致；

5、如对方信用或还款能力欠佳，可要求提供担保或保证人。备注：借款人是指债务人也就是需要借钱的人，贷款人指债权人即提供借款借钱给别人的人。如果双方需约定事项较多，可在书写借条同时，签订借款合同，进行详细约定。

三、借条范本借条为事之用，今从（贷款人）处借得人民币元，借期个月，月利率为，所借款项已通过（填写现金、**汇款等）形式交付完毕。如到期未能还清，则改按每日元的标准收取利息。借款人：年月日

四、大额借款，仅有借条难以得到**支持。

1、 The meaning is true and clear, which can be confirmed by the borrower's signature or fingerprint.

2、 The standard writing of IOUs should include the following aspects:

1. The borrower should write the full text of the debit note and sign it instead of printing it;

2. The content of the IOU shall be accurate without ambiguity;

3. It is required to write down the time of borrowing, the purpose of borrowing (the purpose should be legal and not illegal purposes such as gambling), interest agreement and repayment period;

4. When the lender delivers the money, try not to deliver it in cash, especially for large loans, which should be made by bank remittance, and the account name of the other party is the same as that of the borrower;

5. If the other party has poor credit or repayment ability, it can ask for a guarantee or guarantor. Note: The borrower refers to the debtor who needs to borrow money, and the lender refers to the creditor who provides loans to others. If there are many matters to be agreed by both parties, they can sign a loan contract at the same time as writing the loan slip for detailed agreement.

3、 Model IOUs IOUs are for business purposes. We have borrowed RMB from (the lender) for a period of months at a monthly interest rate of. The borrowed items have been delivered in the form of (fill in cash, bank remittance, etc.). If it fails to pay off at maturity, the interest will be charged at the rate of yuan per day. Borrower:

4、 It is difficult to obtain the court's support for large loans only by IOUs.