Does the IOU say that the small program has legal effect?

The small program of IOUs belongs to electronic IOUs, and electronic IOUs have legal effect. China's Civil Procedure Law has stipulated that evidence formed through electronic data such as the Internet has legal effect. That is to say, electronic data, which is formed in the form of electronic data, shows a specific civil legal relationship, has a definite carrier and can be clearly copied, and has the same legal effect as written data.

Therefore, the IOUs or IOUs formed by email, WeChat, SMS and QQ chat records have legal effect.

If the IOU meets the conditions for the parties to express their true intentions, it generally has legal effect.

According to the provisions of Article 143 of the General Principles of the Civil Law, a civil juristic act that meets the following conditions is valid:

(1) The actor has corresponding capacity for civil conduct;

(2) the meaning is true;

(three) does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs.

Article 668 stipulates that a loan contract shall be in written form, unless 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.

legal ground

Article 2 of the Electronic Signature Law stipulates that the term "electronic signature" as mentioned in this Law refers to data contained in a data message in electronic form, accompanied by data used to identify the identity of the signatory and show that the signatory approves its contents. The term "data message" as mentioned in this Law refers to information generated, sent, received or stored by electronic, optical, magnetic or similar means. Article 7 stipulates that a data message shall not be refused to be used as evidence just because it was generated, sent, received or stored by electronic, optical, magnetic or similar means.

Article 143 of the Civil Code

A civil juristic act that meets the following conditions is valid:

(1) The actor has corresponding capacity for civil conduct;

(2) the meaning is true;

(three) does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs.

Article 668

A loan contract shall be in written form, unless 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.