【微普法】一定要看！民间借贷纠纷常见39个法律问题
<p></p><section powered-by="xiumi.us" style="margin: 10px 0px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; justify-content: flex-start; display: flex; flex-flow: row nowrap; visibility: visible; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 8px 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; background-color: rgb(153, 207, 234); min-width: 5%; height: auto; visibility: visible;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; color: rgb(255, 255, 255); font-size: 17px; visibility: visible;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-align: right; white-space: normal; visibility: visible; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; visibility: visible;">借条的认定与借贷关系的成立</strong></p></section></section><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; min-width: 5%; flex: 0 0 auto; height: auto; visibility: visible;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; transform: translate3d(14px, 0px, 0px); visibility: visible;"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; color: rgb(153, 207, 234); visibility: visible; overflow-wrap: break-word !important;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; visibility: visible; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; visibility: visible;"/></p></section></section></section></section><section powered-by="xiumi.us" style="margin: 0px 0px 10px; padding: 0px; max-width: 100%; box-sizing: border-box; justify-content: flex-start; display: flex; flex-flow: row nowrap; visibility: visible; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 24px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 677px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-style: solid; border-width: 8px 0px 0px; border-color: rgb(237, 193, 193) rgb(62, 62, 62) rgb(62, 62, 62); background-color: rgb(242, 246, 252); visibility: visible;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; color: rgb(93, 93, 93); line-height: 2; letter-spacing: 1px; visibility: visible;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; visibility: visible; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0); visibility: visible;"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66); visibility: visible;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"> 1.【实际出借人的推定】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0); visibility: visible;">原告实际持有借条而借条上所载出借人姓名与原告姓名同音不同字的，可推定原告系实际出借人，具有原告的诉讼主体资格。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; visibility: visible; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; visibility: visible;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; visibility: visible; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0); visibility: visible;"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66); visibility: visible;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"> 2.【孤证存疑的借据】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0); visibility: visible;">原告起诉请求被告还款的依据仅有借据且借据存在多处疑点的，其诉讼请求难获法院支持。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; visibility: visible; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; visibility: visible;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; visibility: visible; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0); visibility: visible;"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66); visibility: visible;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"> 3.【多张借条与总条】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0); visibility: visible;">债务人出具多张借条而最后一张借条含有“共”字等表示合计意思的，可在综合其他在案证据情况下，将其认定为总条性质。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; visibility: visible; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; visibility: visible;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 4.【胁迫出具借条的举证责任】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);">债务人主张借条系因胁迫而出具但未能举证证实的，其仍应承担举证不能责任，即负偿还责任。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 5.【借用他人信用卡性质的认定】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);">借用他人信用卡消费并承诺还款的，形成借贷关系，但是借贷合同无效。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 6.【转账凭条的证据效力】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);">债权人仅以转账凭条为据主张双方之间存在借款关系并要求债务人偿还的，债务人主张并非借款关系但未能举证证明的，应认定转账凭条所记载数额的借款关系成立。</span></p></section></section></section><p></p><p powered-by="xiumi.us" style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p></p><section powered-by="xiumi.us" style="margin: 10px 0px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; justify-content: flex-start; display: flex; flex-flow: row nowrap; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 8px 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; background-color: rgb(153, 207, 234); min-width: 5%; height: auto;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; color: rgb(255, 255, 255); font-size: 17px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-align: right; white-space: normal; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">借贷责任主体的认定</strong></p></section></section><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; min-width: 5%; flex: 0 0 auto; height: auto;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; transform: translate3d(14px, 0px, 0px);"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; color: rgb(153, 207, 234); overflow-wrap: break-word !important;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p></section></section></section></section><section powered-by="xiumi.us" style="margin: 0px 0px 10px; padding: 0px; max-width: 100%; box-sizing: border-box; justify-content: flex-start; display: flex; flex-flow: row nowrap; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 24px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 677px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-style: solid; border-width: 8px 0px 0px; border-color: rgb(237, 193, 193) rgb(62, 62, 62) rgb(62, 62, 62); background-color: rgb(242, 246, 252);"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; text-align: justify; font-size: 17px; line-height: 2; letter-spacing: 1px; overflow-wrap: break-word !important;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 7.【法定代表人以个人名义出具借条的主体认定】</strong></span>公司法定代表人出具借条时未明确其身份，可认定系其个人借款而非公司借款。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"> <span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 8.【空白收据与借款责任】</strong></span>单位有关人员基于损害国家利益的意图向外提供盖有单位财务印章的空白收据是无效行为，但不能因此免除该单位对第三人应承担的返还借款的民事责任。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"> <span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 9.【夫妻个人借款的认定】</strong></span>婚姻关系存续期间一方对外举债数额明显超出日常生活所需，且债权人未能证明该债务用于夫妻共同生活、共同生产经营或者基于夫妻双方共同意思表示，应认定为夫妻一方个人债务。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"> <span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 10.【借款债权的继承】</strong></span>出借人去世后，其继承人有权向借款人主张债权。</p></section></section></section><p></p><p powered-by="xiumi.us" style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p></p><section powered-by="xiumi.us" style="margin: 10px 0px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; justify-content: flex-start; display: flex; flex-flow: row nowrap; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 8px 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: auto; vertical-align: middle; align-self: center; flex: 0 0 auto; background-color: rgb(153, 207, 234); min-width: 5%; height: auto;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; color: rgb(255, 255, 255); font-size: 17px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-align: right; white-space: normal; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">借款合同项下款项的交付</strong></p></section></section><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; min-width: 5%; flex: 0 0 auto; height: auto;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; transform: translate3d(14px, 0px, 0px);"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; color: rgb(153, 207, 234); overflow-wrap: break-word !important;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p></section></section></section></section><section powered-by="xiumi.us" style="margin: 0px 0px 10px; padding: 0px; max-width: 100%; box-sizing: border-box; justify-content: flex-start; display: flex; flex-flow: row nowrap; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 24px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 677px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-style: solid; border-width: 8px 0px 0px; border-color: rgb(237, 193, 193) rgb(62, 62, 62) rgb(62, 62, 62); background-color: rgb(242, 246, 252);"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; color: rgb(93, 93, 93); line-height: 2; letter-spacing: 1px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px;"> 11.【本金预扣利息之一】</span></strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; color: rgb(0, 0, 0); font-size: 17px;">借款人主张出借人从借款本金中预先抽取了部分利息（俗称砍头息）但未能举证证明的，法院不予支持。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px;"> 12.【本金预扣利息之二】</span></strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; color: rgb(0, 0, 0); font-size: 17px;">为从本金中预先扣除部分放贷收益而让借款人出具的现金收条，法院不予认可。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; color: rgb(0, 0, 0); font-size: 17px;"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 13.【借条与款项交付】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; color: rgb(0, 0, 0); font-size: 17px;">巨额现金仅凭借条难以认定已经实际交付。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; color: rgb(0, 0, 0); font-size: 17px;"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 14.【收条与款项交付】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; color: rgb(0, 0, 0); font-size: 17px;">可依据借款人对巨额借款出具的收条综合认定出借义务已经履行。</span></p></section></section></section><p></p><p powered-by="xiumi.us" style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p></p><section powered-by="xiumi.us" style="margin: 10px 0px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; justify-content: flex-start; display: flex; flex-flow: row nowrap; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 8px 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; background-color: rgb(153, 207, 234); min-width: 5%; height: auto;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; color: rgb(255, 255, 255); font-size: 17px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-align: right; white-space: normal; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">借款合同的利率与利息</strong></p></section></section><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; min-width: 5%; flex: 0 0 auto; height: auto;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; transform: translate3d(14px, 0px, 0px);"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; color: rgb(153, 207, 234); overflow-wrap: break-word !important;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p></section></section></section></section><section powered-by="xiumi.us" style="margin: 0px 0px 10px; padding: 0px; max-width: 100%; box-sizing: border-box; justify-content: flex-start; display: flex; flex-flow: row nowrap; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 24px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 677px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-style: solid; border-width: 8px 0px 0px; border-color: rgb(237, 193, 193) rgb(62, 62, 62) rgb(62, 62, 62); background-color: rgb(242, 246, 252);"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; color: rgb(93, 93, 93); line-height: 2; letter-spacing: 1px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 15.【复利的认定】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);">双方当事人在借款到期后将未偿还本息累加后重新签订借款合同的，有别于复利约定。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 16.【逾期利息的计算】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);">当事人借款时未约定利息的可视为无息借款，但逾期利息仍可参照银行同类逾期还款利率（现可参照LPR）计算。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 17.【逾期计息基数】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);">借款到期后的逾期利息，可根据当事人合同约定以到期逾期的本息合计作为计息基数。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 18.【违约金的认定】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);">借款期内未约定利息但约定违约金计算方式的，借款合同违约金比照适用四倍利率（LPR的四倍）的限制。</span></p></section></section></section><p></p><p powered-by="xiumi.us" style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p></p><section powered-by="xiumi.us" style="margin: 10px 0px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; justify-content: flex-start; display: flex; flex-flow: row nowrap; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 8px 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; background-color: rgb(153, 207, 234); min-width: 5%; height: auto;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; color: rgb(255, 255, 255); font-size: 17px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-align: right; white-space: normal; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">借款的偿还及债权的转让</strong></p></section></section><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; min-width: 5%; flex: 0 0 auto; height: auto;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; transform: translate3d(14px, 0px, 0px);"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; color: rgb(153, 207, 234); overflow-wrap: break-word !important;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p></section></section></section></section><section powered-by="xiumi.us" style="margin: 0px 0px 10px; padding: 0px; max-width: 100%; box-sizing: border-box; justify-content: flex-start; display: flex; flex-flow: row nowrap; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 24px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 677px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-style: solid; border-width: 8px 0px 0px; border-color: rgb(237, 193, 193) rgb(62, 62, 62) rgb(62, 62, 62); background-color: rgb(242, 246, 252);"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; color: rgb(93, 93, 93); line-height: 2; letter-spacing: 1px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 19.【偿还的证明责任】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);">债务人承认借入款项并主张已偿还但未能举证证明，则其应对所借款项负清偿责任。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 20.【ATM机还款】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);">债务人主张债权人账户新收款项系其通过自动存款机偿还借款，债权人否认但未能举证证明的，法院可支持债务人的主张。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 21.【还款抵充顺序】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);">还款时未明确系还本或还息的，应先抵充利息再抵充本金。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 22.【还款条的认定】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);">还款条所记载事项与借款合同不具有充分一致性，则难以认定该借款合同所涉款项已经清偿。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 23.【录音证明还款】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);">债权人虽持有借条，法院仍可根据债务人提供的录音资料及其他在案证据认定债务已经清偿。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 24.【债权转让的通知】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);">在可确认债权转让真实性的前提下，债权受让人向债务人作债权转让的通知发生债权转让的法律效力。</span></p></section></section></section><p></p><p powered-by="xiumi.us" style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p></p><section powered-by="xiumi.us" style="margin: 10px 0px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; justify-content: flex-start; display: flex; flex-flow: row nowrap; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 8px 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; background-color: rgb(153, 207, 234); min-width: 5%; height: auto;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; color: rgb(255, 255, 255); font-size: 17px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-align: right; white-space: normal; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify;">时效、管辖与证据</span></strong></p></section></section><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; min-width: 5%; flex: 0 0 auto; height: auto;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; transform: translate3d(14px, 0px, 0px);"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; color: rgb(153, 207, 234); overflow-wrap: break-word !important;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p></section></section></section></section><section powered-by="xiumi.us" style="margin: 0px 0px 10px; padding: 0px; max-width: 100%; box-sizing: border-box; justify-content: flex-start; display: flex; flex-flow: row nowrap; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 24px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 677px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-style: solid; border-width: 8px 0px 0px; border-color: rgb(237, 193, 193) rgb(62, 62, 62) rgb(62, 62, 62); background-color: rgb(242, 246, 252);"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; text-align: justify; font-size: 17px; line-height: 2; letter-spacing: 1px; overflow-wrap: break-word !important;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"> <span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 25.【超过诉讼时效】</strong></span>出借人起诉时超过诉讼时效，其债权难获法院支持。但借款人未主张诉讼时效抗辩的，法院不能主动适用。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 26.【录音证明催款】</strong></span>出借人提供的具有催款内容的录音可作为认定诉讼时效中断的依据。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"> <span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">27.【暂住证明与管辖】</strong></span>可根据债务人暂住证明上的暂住地址确定其经常居住地，从而确定民间借贷纠纷的管辖法院。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"> <span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 28.【合同履行地与管辖】</strong></span>纠纷双方在借款合同中对履行地无约定的，贷款方所在地人民法院具有管辖权。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"> <span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 29.【测谎的效力】</strong></span>主债权数额存在争议时，依法进行测谎的测试结果可作为认定事实的依据之一。</p></section></section></section><p></p><p powered-by="xiumi.us" style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p></p><section powered-by="xiumi.us" style="margin: 10px 0px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; justify-content: flex-start; display: flex; flex-flow: row nowrap; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 8px 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; background-color: rgb(153, 207, 234); min-width: 5%; height: auto;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; color: rgb(255, 255, 255); font-size: 17px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-align: right; white-space: normal; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">企业间借款合同的效力</strong></p></section></section><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; min-width: 5%; flex: 0 0 auto; height: auto;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; transform: translate3d(14px, 0px, 0px);"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; color: rgb(153, 207, 234); overflow-wrap: break-word !important;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p></section></section></section></section><section powered-by="xiumi.us" style="margin: 0px 0px 10px; padding: 0px; max-width: 100%; box-sizing: border-box; justify-content: flex-start; display: flex; flex-flow: row nowrap; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 24px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 677px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-style: solid; border-width: 8px 0px 0px; border-color: rgb(237, 193, 193) rgb(62, 62, 62) rgb(62, 62, 62); background-color: rgb(242, 246, 252);"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; color: rgb(93, 93, 93); line-height: 2; letter-spacing: 1px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px;"> 30.【企业间借贷的效力】</span></strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);">企业间借款若不属于生产经营性企业间正常借贷行为的，应认定借贷行为无效。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 31.【企业自有资金的借贷】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);">企业间自有资金的借贷合同若未违反金融法规强制性规定和国家政策要求，不宜直接认定为无效。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 32.【政府投资公司的借贷】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);">地方政府为针对中小企业融资困难设立的投资公司签订的企业间借款合同可认定为有效。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 33.【企业借贷无效的占用费】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);">企业间借款合同被认定为无效之后，可按银行活期存款利率支付资金占用费。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);"> </span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 34.【企业借贷无效的利息】</strong></span><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0);">企业间借款合同被认定为无效之后，资金占用损失可按银行同期贷款年利率计付。</span></p></section></section></section><p></p><p powered-by="xiumi.us" style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p></p><section powered-by="xiumi.us" style="margin: 10px 0px 0px; padding: 0px; max-width: 100%; box-sizing: border-box; justify-content: flex-start; display: flex; flex-flow: row nowrap; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 8px 15px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; background-color: rgb(153, 207, 234); min-width: 5%; height: auto;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; color: rgb(255, 255, 255); font-size: 17px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-align: right; white-space: normal; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify;">民间借贷与刑事犯罪</span></strong></p></section></section><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; min-width: 5%; flex: 0 0 auto; height: auto;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; transform: translate3d(14px, 0px, 0px);"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; color: rgb(153, 207, 234); overflow-wrap: break-word !important;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p></section></section></section></section><section powered-by="xiumi.us" style="margin: 0px 0px 10px; padding: 0px; max-width: 100%; box-sizing: border-box; justify-content: flex-start; display: flex; flex-flow: row nowrap; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 24px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 677px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-style: solid; border-width: 8px 0px 0px; border-color: rgb(237, 193, 193) rgb(62, 62, 62) rgb(62, 62, 62); background-color: rgb(242, 246, 252);"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; text-align: justify; font-size: 17px; line-height: 2; letter-spacing: 1px; overflow-wrap: break-word !important;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"> <span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 35.【刑事立案与驳回起诉】</strong></span>债务人涉嫌非法吸收公众存款犯罪已被立案侦查，则债权人请求债务人还款的起诉可予驳回。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"> <span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 36.【集资诈骗与驳回起诉】</strong></span>集资诈骗罪中所涉款项并非真实的借贷关系，不应认定为民事纠纷。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"> <span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 37.【刑事犯罪与合同效力】</strong></span>民间借贷涉嫌或构成非法吸收公众存款罪的，并不当然影响借贷合同及其担保合同的效力。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"> <span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 38.【非法吸收公众存款罪的认定】</strong></span>为筹措企业经营、购买设备等资金，在未经中国人民银行批准的情况下，许以给付高额利息，向不特定多数人非法或变相吸收存款，数额巨大，可构成非法吸收公众存款罪。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(171, 25, 66);"><strong style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> 39.【集资诈骗罪的认定】</strong></span>虚构集资用途、以高额利润作为诱饵骗取被害人集资款可构成集资诈骗罪。</p></section></section></section><p></p><p powered-by="xiumi.us" style="margin-top: 0px; margin-bottom: 0px; padding: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; white-space: normal; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; text-align: justify; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"/></p><p>来源：中国普法</p><link rel="stylesheet" href="//www.dafuping.cn/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_kAQ" id="wcn_editor_css"/>
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