一定要看！民间借贷纠纷常见39个法律问题 天府小妹微普法栏目第169期
<!----><style type="text/css">html{font-size:375%}</style><link href="https://pic.app.jiuquhe.com/static/publish/css/style.css?v=1605251010513" rel="stylesheet" position="1" data-qf-origin="/static/publish/css/style.css?v=1605251010513"><!-- 付费贴--> <div class="preview_article "> <!----> <section style="margin-bottom: 24px;"><p class="empty_paragraph" style="text-align: center; margin: 0px 0px 0em; padding: 0px; clear: both; min-height: 1em;"> </p><p style="text-align: center; margin: 0px 0px 0em; padding: 0px; clear: both; min-height: 1em;"> </p><section style="margin-bottom: 24px; outline: 0px; color: #222222; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; white-space: normal; background-color: #ffffff;"><section style="margin-bottom: 24px; outline: 0px;"><section style="padding: 10px; outline: 0px; background-color: #b3d5db; visibility: visible; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><section style="outline: 0px; visibility: visible; border: 0px none initial;"><section style="outline: 0px; visibility: visible;"><section style="outline: 0px; text-align: center; color: #ffffff; visibility: visible;"><p style="letter-spacing: 0.544px; outline: 0px; visibility: visible;"><span style="outline: 0px; font-size: 15px; visibility: visible; font-family: 微软雅黑, Microsoft YaHei;">学法守法，构建和谐家庭</span></p><p style="letter-spacing: 0.544px; outline: 0px; visibility: visible;"><span style="outline: 0px; font-size: 15px; visibility: visible; font-family: 微软雅黑, Microsoft YaHei;">这里是四川省妇联联合</span></p><p style="letter-spacing: 0.544px; outline: 0px; visibility: visible;"><span style="outline: 0px; font-size: 15px; visibility: visible; font-family: 微软雅黑, Microsoft YaHei;">省委全面依法治省办，省司法厅，省妇儿工委办</span></p><p style="letter-spacing: 0.544px; outline: 0px; visibility: visible;"><span style="outline: 0px; font-size: 15px; visibility: visible; font-family: 微软雅黑, Microsoft YaHei;">打造的<span style="outline: 0px; letter-spacing: 0.5px; color: #31859b; visibility: visible;"><strong style="outline: 0px; visibility: visible;">『天府小妹微普法』</strong></span>栏目</span></p><p style="outline: 0px;"><span style="outline: 0px; color: #31859b; font-size: 15px; visibility: visible; font-family: 微软雅黑, Microsoft YaHei;"><strong style="outline: 0px; visibility: visible;"><span style="letter-spacing: 0.544px;">第</span><span style="letter-spacing: 0.5px;">169</span></strong></span><span style="letter-spacing: 0.544px; outline: 0px; color: #31859b; font-size: 15px; visibility: visible; font-family: 微软雅黑, Microsoft YaHei;"><strong style="outline: 0px; visibility: visible;">期</strong></span></p></section></section></section><section style="letter-spacing: 0.544px; outline: 0px; visibility: visible; border: 0px none initial;"><section style="outline: 0px; visibility: visible;"><section style="outline: 0px; vertical-align: middle; display: inline-block; overflow: hidden; visibility: visible;"></section></section></section></section><section style="letter-spacing: 0.544px; outline: 0px; width: 15px; height: 15px; visibility: visible; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><section style="outline: 0px; visibility: visible;"><section style="outline: 0px; width: 5px; height: 5px; float: left; background-color: #b3d5db; visibility: visible;"></section><section style="outline: 0px; width: 5px; height: 5px; float: left; background-color: #b3d5db; visibility: visible;"></section><section style="outline: 0px; width: 5px; height: 5px; float: left; background-color: #b3d5db; visibility: visible;"></section><section style="outline: 0px; width: 5px; height: 5px; float: left; background-color: #b3d5db; visibility: visible;"></section><section style="outline: 0px; width: 5px; height: 5px; float: left; background-color: #feffff; visibility: visible;"></section></section></section></section></section></section><section style="margin-bottom: 24px;"><section><section><section style="outline: 0px; font-size: 16px;"><section style="outline: 0px;"><section><section style="font-size: 16px;"><section style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; margin-top: 10px;"><section style="display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; background-color: #99cfea; min-width: 5%; height: auto; padding: 8px 15px;"><section style="text-align: justify; color: #ffffff; font-size: 17px;"><p style="text-align: right; white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><strong>借条的认定与借贷关系的成立</strong></span></p></section></section><section style="display: inline-block; vertical-align: middle; width: auto; align-self: center; min-width: 5%; flex: 0 0 auto; height: auto;"><section style="transform: translate3d(14px, 0px, 0px);"><section style="font-size: 14px; color: #99cfea;"><p> </p></section></section></section></section><section style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; margin-bottom: 10px;"><section style="display: inline-block; width: 100%; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-style: solid; border-width: 8px 0px 0px; border-color: #edc1c1 #3e3e3e #3e3e3e; background-color: #f2f6fc; padding: 24px;"><section style="text-align: justify; color: #5d5d5d; line-height: 2; letter-spacing: 1px;"><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="font-size: 17px; color: #000000;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 1.【实际出借人的推定】</strong></span><span style="font-size: 17px; color: #000000;">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></span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="font-size: 17px; color: #000000;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 2.【孤证存疑的借据】</strong></span><span style="font-size: 17px; color: #000000;">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></span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="font-size: 17px; color: #000000;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 3.【多张借条与总条】</strong></span><span style="font-size: 17px; color: #000000;">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></span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="font-size: 17px; color: #000000;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 4.【胁迫出具借条的举证责任】</strong></span><span style="font-size: 17px; color: #000000;">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></span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="font-size: 17px; color: #000000;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 5.【借用他人信用卡性质的认定】</strong></span><span style="font-size: 17px; color: #000000;">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></span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="font-size: 17px; color: #000000;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 6.【转账凭条的证据效力】</strong></span><span style="font-size: 17px; color: #000000;">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></span></p></section></section></section><p style="white-space: normal;"> </p><section style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; margin-top: 10px;"><section style="display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; background-color: #99cfea; min-width: 5%; height: auto; padding: 8px 15px;"><section style="text-align: justify; color: #ffffff; font-size: 17px;"><p style="text-align: right; white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><strong>借贷责任主体的认定</strong></span></p></section></section><section style="display: inline-block; vertical-align: middle; width: auto; align-self: center; min-width: 5%; flex: 0 0 auto; height: auto;"><section style="transform: translate3d(14px, 0px, 0px);"><section style="font-size: 14px; color: #99cfea;"><p> </p></section></section></section></section><section style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; margin-bottom: 10px;"><section style="display: inline-block; width: 100%; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-style: solid; border-width: 8px 0px 0px; border-color: #edc1c1 #3e3e3e #3e3e3e; background-color: #f2f6fc; padding: 24px;"><section style="text-align: justify; color: #000000; font-size: 17px; line-height: 2; letter-spacing: 1px;"><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="color: #ab1942;"><strong> 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。</span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"> <span style="color: #ab1942;"><strong> 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。</span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"> <span style="color: #ab1942;"><strong> 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。</span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"> <span style="color: #ab1942;"><strong> 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。</span></p></section></section></section><p style="white-space: normal;"> </p><section style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; margin-top: 10px;"><section style="display: inline-block; width: auto; vertical-align: middle; align-self: center; flex: 0 0 auto; background-color: #99cfea; min-width: 5%; height: auto; padding: 8px 15px;"><section style="text-align: justify; color: #ffffff; font-size: 17px;"><p style="text-align: right; white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><strong>借款合同项下款项的交付</strong></span></p></section></section><section style="display: inline-block; vertical-align: middle; width: auto; align-self: center; min-width: 5%; flex: 0 0 auto; height: auto;"><section style="transform: translate3d(14px, 0px, 0px);"><section style="font-size: 14px; color: #99cfea;"><p> </p></section></section></section></section><section style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; margin-bottom: 10px;"><section style="display: inline-block; width: 100%; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-style: solid; border-width: 8px 0px 0px; border-color: #edc1c1 #3e3e3e #3e3e3e; background-color: #f2f6fc; padding: 24px;"><section style="text-align: justify; color: #5d5d5d; line-height: 2; letter-spacing: 1px;"><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="color: #ab1942;"><strong><span style="font-size: 17px;"> 11.【本金预扣利息之一】</span></strong></span><span style="color: #000000; 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></span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="color: #ab1942;"><strong><span style="font-size: 17px;"> 12.【本金预扣利息之二】</span></strong></span><span style="color: #000000; 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></span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="color: #000000; font-size: 17px;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 13.【借条与款项交付】</strong></span><span style="color: #000000; font-size: 17px;">巨额现金仅凭借条难以认定已经实际交付。</span></span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="color: #000000; font-size: 17px;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 14.【收条与款项交付】</strong></span><span style="color: #000000; 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></span></p></section></section></section><p style="white-space: normal;"> </p><section style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; margin-top: 10px;"><section style="display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; background-color: #99cfea; min-width: 5%; height: auto; padding: 8px 15px;"><section style="text-align: justify; color: #ffffff; font-size: 17px;"><p style="text-align: right; white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><strong>借款合同的利率与利息</strong></span></p></section></section><section style="display: inline-block; vertical-align: middle; width: auto; align-self: center; min-width: 5%; flex: 0 0 auto; height: auto;"><section style="transform: translate3d(14px, 0px, 0px);"><section style="font-size: 14px; color: #99cfea;"><p> </p></section></section></section></section><section style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; margin-bottom: 10px;"><section style="display: inline-block; width: 100%; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-style: solid; border-width: 8px 0px 0px; border-color: #edc1c1 #3e3e3e #3e3e3e; background-color: #f2f6fc; padding: 24px;"><section style="text-align: justify; color: #5d5d5d; line-height: 2; letter-spacing: 1px;"><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="font-size: 17px; color: #000000;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 15.【复利的认定】</strong></span><span style="font-size: 17px; color: #000000;">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></span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="font-size: 17px; color: #000000;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 16.【逾期利息的计算】</strong></span><span style="font-size: 17px; color: #000000;">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></span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="font-size: 17px; color: #000000;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 17.【逾期计息基数】</strong></span><span style="font-size: 17px; color: #000000;">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></span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="font-size: 17px; color: #000000;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 18.【违约金的认定】</strong></span><span style="font-size: 17px; color: #000000;">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></span></p></section></section></section><p style="white-space: normal;"> </p><section style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; margin-top: 10px;"><section style="display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; background-color: #99cfea; min-width: 5%; height: auto; padding: 8px 15px;"><section style="text-align: justify; color: #ffffff; font-size: 17px;"><p style="text-align: right; white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><strong>借款的偿还及债权的转让</strong></span></p></section></section><section style="display: inline-block; vertical-align: middle; width: auto; align-self: center; min-width: 5%; flex: 0 0 auto; height: auto;"><section style="transform: translate3d(14px, 0px, 0px);"><section style="font-size: 14px; color: #99cfea;"><p> </p></section></section></section></section><section style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; margin-bottom: 10px;"><section style="display: inline-block; width: 100%; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-style: solid; border-width: 8px 0px 0px; border-color: #edc1c1 #3e3e3e #3e3e3e; background-color: #f2f6fc; padding: 24px;"><section style="text-align: justify; color: #5d5d5d; line-height: 2; letter-spacing: 1px;"><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="font-size: 17px; color: #000000;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 19.【偿还的证明责任】</strong></span><span style="font-size: 17px; color: #000000;">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></span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="font-size: 17px; color: #000000;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 20.【ATM机还款】</strong></span><span style="font-size: 17px; color: #000000;">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></span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="font-size: 17px; color: #000000;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 21.【还款抵充顺序】</strong></span><span style="font-size: 17px; color: #000000;">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></span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="font-size: 17px; color: #000000;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 22.【还款条的认定】</strong></span><span style="font-size: 17px; color: #000000;">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></span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="font-size: 17px; color: #000000;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 23.【录音证明还款】</strong></span><span style="font-size: 17px; color: #000000;">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></span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="font-size: 17px; color: #000000;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 24.【债权转让的通知】</strong></span><span style="font-size: 17px; color: #000000;">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></span></p></section></section></section><p style="white-space: normal;"> </p><section style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; margin-top: 10px;"><section style="display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; background-color: #99cfea; min-width: 5%; height: auto; padding: 8px 15px;"><section style="text-align: justify; color: #ffffff; font-size: 17px;"><p style="text-align: right; white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><strong><span style="text-align: justify;">时效、管辖与证据</span></strong></span></p></section></section><section style="display: inline-block; vertical-align: middle; width: auto; align-self: center; min-width: 5%; flex: 0 0 auto; height: auto;"><section style="transform: translate3d(14px, 0px, 0px);"><section style="font-size: 14px; color: #99cfea;"><p> </p></section></section></section></section><section style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; margin-bottom: 10px;"><section style="display: inline-block; width: 100%; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-style: solid; border-width: 8px 0px 0px; border-color: #edc1c1 #3e3e3e #3e3e3e; background-color: #f2f6fc; padding: 24px;"><section style="text-align: justify; color: #000000; font-size: 17px; line-height: 2; letter-spacing: 1px;"><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"> <span style="color: #ab1942;"><strong> 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。</span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="color: #ab1942;"><strong> 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。</span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"> <span style="color: #ab1942;"><strong>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。</span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"> <span style="color: #ab1942;"><strong> 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。</span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"> <span style="color: #ab1942;"><strong> 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。</span></p></section></section></section><p style="white-space: normal;"> </p><section style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; margin-top: 10px;"><section style="display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; background-color: #99cfea; min-width: 5%; height: auto; padding: 8px 15px;"><section style="text-align: justify; color: #ffffff; font-size: 17px;"><p style="text-align: right; white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><strong>企业间借款合同的效力</strong></span></p></section></section><section style="display: inline-block; vertical-align: middle; width: auto; align-self: center; min-width: 5%; flex: 0 0 auto; height: auto;"><section style="transform: translate3d(14px, 0px, 0px);"><section style="font-size: 14px; color: #99cfea;"><p> </p></section></section></section></section><section style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; margin-bottom: 10px;"><section style="display: inline-block; width: 100%; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-style: solid; border-width: 8px 0px 0px; border-color: #edc1c1 #3e3e3e #3e3e3e; background-color: #f2f6fc; padding: 24px;"><section style="text-align: justify; color: #5d5d5d; line-height: 2; letter-spacing: 1px;"><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="color: #ab1942;"><strong><span style="font-size: 17px;"> 30.【企业间借贷的效力】</span></strong></span><span style="font-size: 17px; color: #000000;">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></span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="font-size: 17px; color: #000000;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 31.【企业自有资金的借贷】</strong></span><span style="font-size: 17px; color: #000000;">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></span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="font-size: 17px; color: #000000;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 32.【政府投资公司的借贷】</strong></span><span style="font-size: 17px; color: #000000;">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></span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="font-size: 17px; color: #000000;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 33.【企业借贷无效的占用费】</strong></span><span style="font-size: 17px; color: #000000;">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></span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="font-size: 17px; color: #000000;"> </span><span style="font-size: 17px; color: #ab1942;"><strong> 34.【企业借贷无效的利息】</strong></span><span style="font-size: 17px; color: #000000;">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></span></p></section></section></section><p style="white-space: normal;"> </p><section style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; margin-top: 10px;"><section style="display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; background-color: #99cfea; min-width: 5%; height: auto; padding: 8px 15px;"><section style="text-align: justify; color: #ffffff; font-size: 17px;"><p style="text-align: right; white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><strong><span style="text-align: justify;">民间借贷与刑事犯罪</span></strong></span></p></section></section><section style="display: inline-block; vertical-align: middle; width: auto; align-self: center; min-width: 5%; flex: 0 0 auto; height: auto;"><section style="transform: translate3d(14px, 0px, 0px);"><section style="font-size: 14px; color: #99cfea;"><p> </p></section></section></section></section><section style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; margin-bottom: 10px;"><section style="display: inline-block; width: 100%; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-style: solid; border-width: 8px 0px 0px; border-color: #edc1c1 #3e3e3e #3e3e3e; background-color: #f2f6fc; padding: 24px;"><section style="text-align: justify; color: #000000; font-size: 17px; line-height: 2; letter-spacing: 1px;"><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"> <span style="color: #ab1942;"><strong> 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。</span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"> <span style="color: #ab1942;"><strong> 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。</span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"> <span style="color: #ab1942;"><strong> 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。</span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"> <span style="color: #ab1942;"><strong> 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。</span></p><p style="white-space: normal;"> </p><p style="white-space: normal;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Apple Color Emoji, Emoji Symbols Font, Segoe UI Symbol, Arial, sans-serif;"><span style="color: #ab1942;"><strong> 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。</span></p></section></section></section></section></section></section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; font-size: 14px; letter-spacing: 0.544px; background-color: #ffffff; text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; font-size: 14px; letter-spacing: 0.544px; background-color: #ffffff; text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; color: #888888; font-size: 12px; text-indent: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;">来源</span><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 12px; color: #888888; text-align: left; box-sizing: border-box !important; overflow-wrap: break-word !important;">：最高人民法院司法案例研究院、深圳微法务、走近民法典、中国普法</span></section></section><p style="display: none;"> </p> <!----></div> 谢谢分享 多了解下 谢谢分享 谢谢分享 了解一下 谢谢分享 了解一下民间借贷纠纷 谢谢分享 学习一下
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