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近年来,民间借贷纠纷已成为仅次于离婚案件的第二大民事案件,且呈上升趋势。为了使更多的债权人得到保护,使债务人能够履行法律义务,这里不妨给债权人服一副清醒剂。 首先,要问明借款人的借款用途。《最高人民法院关于人民法院审理借贷案件的若干意见》(以下简称意见)中第11条规定“出借人明知借款人是为了进行非法活动而借款的,其借贷关系不予保护。”因此只有合法的借贷关系方受法律保护。对双方的违法借贷行业(如借款用于赌博、非法经营等),可适用民法通则第134条第3款规定,予以训诫、责令具结悔过,收缴进行非法活动的财物和非法所得,或者
In recent years, the dispute over private lending has become the second largest civil case after the divorce cases, and the trend is on the rise. In order to allow more creditors to be protected and enable the debtor to fulfill its legal obligations, it may be advisable to give creditors a clear agent. First, ask the borrower for the purpose of borrowing. Article 11 of the Opinion of the Supreme People’s Court Concerning Trial of Lending Cases by the People’s Court (hereinafter referred to as “Opinion”) stipulates that “a lender knows that a borrower borrows money in order to carry out illegal activities and that its loan relationship is not protected.” Therefore, The lenders are protected by law. In the case of the illegal lending industry of both parties (such as borrowing for gambling and illegal business), Article 134, paragraph 3, of the General Principles of Civil Law may be applied to be admonished and be ordered to repent, to confiscate the property and illegal proceeds of illegal activities, or