【概念阐述】欠条是指向别人欠钱或欠物时所开具的字据。此字据具有法律效应,所以,打欠条时必须是欠款人亲自写,别人不能代写。开欠条时,双方都必须在场,并当面开具,以防作假而发生纠纷。欠条和前面所说的借条很相似。 [Concept description] IOU refers to someone else owed money or owed when the material issued by the letter. This document has the legal effect, so when you pay a debt, you must write it in person, and others can not write it. In the event of an open lament, both parties must be present and face to face in order to avoid any dispute over the fraud. IOUs and the previously mentioned IOU is very similar.