论我国民间借贷纠纷当中当事人实际借款金额的认定

发布时间：2018-11-29 13:03

【摘要】：民间借贷在我国已有很长一段历史,早在春秋战国时期的《周礼》中便有相关记载,更是当今社会融资的重要手段之一。严格来说,民间借贷并非法律概念,对"民间借贷"这一概念范围的理解,司法部门与行政监管部门也并不一致。2015年8月出台的《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》对民间借贷给出了一个定义,即自然人、法人、其他组织之间及相互之间进行的以资金融通为目的的行为。随着我国经济的不断发展,民间借贷市场异常活跃,信贷规模不断在扩大,由此产生的民间借贷也越来越多,但由于法律意识的缺失、碍于借贷双方亲疏关系等,当事人持有的往往只有一张借据、收据或欠条。民间借贷纠纷案件中,当事人的实际借款本金金额问题一直是司法实务中的聚焦点,也是人民法院认定事实的难点。据了解,自然人、法人和其他组织在民间借贷行为中,提前扣除利息的情形时有发生,且当事人为规避法律规定,手段日益隐蔽化、多样化。本文中,笔者总结了民间借贷案件的主要特点,梳理了借贷案件中本金数额难以认定的原因,结合典型案例分析法院处理原则,拟对该类案件的审理提出些许针对性建议。
[Abstract]:Folk lending has a long history in our country, as early as in the Spring and Autumn and warring States period, Zhou Li has been recorded, and it is one of the important means of social financing. Strictly speaking, private lending is not a legal concept, but an understanding of the scope of the concept of "private lending". In August 2015, the Supreme people's Court on certain legal issues applicable to private lending cases has given a definition of private lending, that is, natural persons, legal persons, The act of financing between and among other organizations. With the continuous development of our country's economy, the private lending market is extremely active, and the scale of credit is constantly expanding. As a result, there are more and more private loans. However, due to the lack of legal consciousness, due to the closeness of the loan and loan, and so on, The parties often have only one debit, receipt or IOU. In the case of folk loan dispute, the actual amount of loan principal is always the focal point in judicial practice, and it is also the difficulty for the people's court to determine the fact. It is understood that natural persons, legal persons and other organizations in folk lending behavior, the situation of early deduction of interest has occurred from time to time, and the parties in order to circumvent the provisions of the law, increasingly covert means, diversification. In this paper, the author summarizes the main characteristics of private lending cases, combing the reasons for the hard to identify the amount of principal in the loan cases, combined with the typical case analysis of the principles of the court, to put forward some targeted recommendations for the trial of this kind of cases.
【作者单位】：西南民族大学法学院;
【基金】：西南民族大学2015年研究生创新性科研项目
【分类号】：D923.6;F832.4

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