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问题	还款协议书有法律效力
释义	法律分析：还款协议有法律效力。还款协议属于合同，具备合同生效要件就有法律效力：1.当事人必须具有相应的民事行为能力。2.合同内容是合同订立当事人的真实意思表示。3.内容不违反法律或社会公共利益。法律依据：《中华人民共和国民法典》第一百四十三条具备下列条件的民事法律行为有效：（一）行为人具有相应的民事行为能力；（二）意思表示真实；（三）不违反法律、行政法规的强制性规定，不违背公序良俗。
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