1. The IOU proves the loan relationship, and the IOU proves the debt relationship. A loan is definitely a debt, but a debt is not necessarily a loan. 2. The reason for the formation of the IOU is the specific borrowing fact. There are many reasons for the formation of IOUs, which can be based on a variety of facts, such as the arrears arising from sales, labor services, enterprise contracting, and damages, etc. 3. When the holder of the IOU brings a lawsuit to the court by virtue of the IOU, it is easier to identify and identify the
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