近年来,民间借贷纠纷案件在龙岩市新罗区法院受理的民商事案件中所占比重呈逐年上升趋势,其原因包括投资人盲目借钱款、担保公司不当会介入、融资监管缺位等。同时,民间借贷纠纷也呈现出借贷主体多元化、贷款用途复杂化、借贷规模扩大化等特点。在此类案件的审理上也存在借代主体、担保方式难以认定、举证责任分配困难、执行到位率低等问题。对此,要加强审判管理指导、完善相关立法、加强金融监管、治理虚假诉讼,多措并举解决问题。 In recent years, the proportion of non-governmental loan disputes in civil and commercial cases accepted by the courts of Xinluo District of Longyan City has been increasing year by year. The reasons include the blind borrowing by investors, improper intervention by guarantee companies and the absence of financing supervision. At the same time, the disputes over private lending also showed the diversification of the main borrowers, the complicated use of loans and the expansion of borrowing scale. In the trial of such cases, there are also issues such as the main body of metonymy, the difficulty of identifying the mode of guarantee, the difficulty of distributing the burden of proof, and the low implementation rate. In this regard, we should strengthen trial management guidance, improve relevant legislation, strengthen financial supervision and control of false litigation, and take measures to simultaneously solve the problem.