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民间借贷的民事纠纷案件属于现阶段民事审判中较为主要的案件类型之一,主要是由于国内银行信贷收紧,大多数中小企业及个人面临着经营困难、融资难等情况,各个地区之间出现的民间借贷在一定程度上及时的解决了社会上部分企业及个人的融资需求。但民间借贷具有较高的风险,近年来民间借贷纠纷案件的数量及涉案金额不断上涨,在纠纷过程中出现了一些法律上未明确规定的争议话题。为了分析民间借贷民事法律纠纷中相关法律法规的建立及制定,笔者针对现阶段民间借贷的现状及问题进行了分析。
Civil disputes involving private lending are one of the more important types of cases in civil trials at this stage, mainly due to the tightening of credit in domestic banks. Most small and medium-sized enterprises and individuals are faced with difficulties in operation and difficulties in financing. Of private lending to some extent in a timely manner to solve some of the social enterprises and individuals financing needs. However, private lending has a high risk. In recent years, the number of non-government loan disputes and the amount involved have been on the rise. During the dispute, some controversial issues that are not legally defined have emerged. In order to analyze the establishment and formulation of relevant laws and regulations in the civil legal disputes of private lending, the author analyzes the current status and problems of private lending at the present stage.