近年来,在经济纠纷案件中,贷款纠纷案件所占比重特别大。该类案件的成因除借款合同无效、担保合同无效、借贷一方或双方违约等常见的情况外,又出现许多新情况、新因素。1.银行以投入定额储蓄为贷款的前提。银行不审核借款人是否是经济实体、是否具有法人资格、有无独立财产、能否独立承担民事责任以及企业经营状况、信誉程度等主要情况,只以定额储蓄为前 In recent years, the proportion of loan disputes in economic disputes has been particularly large. In addition to the common causes such as the invalidation of loan contracts, the invalidation of guarantee contracts, the default of one or both borrowers and others, many new circumstances and new factors have emerged. 1. Banks to invest fixed savings as a prerequisite for loans. The bank does not examine whether the borrower is an economic entity, whether it has legal person status, whether it has independent property, whether civil liability can be borne independently, and whether the borrower is in economic condition, or not.