Corporate lending refers to borrowing between enterprises, usually to meet the short-term capital needs of enterprises. This type of borrowing is different from borrowing between individuals because it involves the credit and operational risks of the business.
Adding a sentence to the IOU can turn a scoundrel directly into a fraudster. This sentence can be some specific expressions, such as "the loan has matured, please repay the principal and interest in the total amount of RMB XX on xx year and xx month", or "the loan has been overdue, please immediately return the principal and interest in the total amount of RMB XX". These statements can clarify the term and amount of the loan and remind the borrower to repay the loan on time.
If the borrower fails to repay the loan on time, these statements can serve as evidence that the borrower is in default. At the same time, these statements can also be used as evidence that the borrower has committed fraud. If the borrower adds a false statement to the IOU, or deliberately conceals the true circumstances of the loan, then these actions can be considered fraud.
Therefore, it is very important to add a sentence to the IOU. This not only helps the borrower clarify the term and amount of the loan, but also serves as evidence of the borrower's default and fraud. At the same time, it also reminds the borrower to abide by the contract and repay the loan on time to avoid unnecessary disputes and losses.
In addition to adding a sentence to the IOU, there are a few other things you can do to help avoid cheats and scams. For example, before signing a loan contract, it is necessary to conduct sufficient research and understanding of the borrower's credit status. If the borrower has a poor credit profile, then the borrower should not be offered a loan.
In addition, after signing the loan contract, the borrower's repayment should be supervised and inspected on a regular basis. If the borrower is found to have defaulted or committed fraud, then measures should be taken in time to recover and deal with it.
In conclusion, corporate borrowing is an important way to raise funds, but there are also certain risks and challenges. Before and after signing a loan contract, a series of measures need to be taken to avoid fraud and fraud. At the same time, adding a sentence to the IOU can also be used as evidence to prove the borrower's default and fraud.