自然人之间的借款合同系转移标的物所有权的合同、实践合同,款项交付系借款合同成立并生效的条件。自然人之间的借款合同关系一般不能仅凭借条或款项交付凭证予以认定,除非债务人承认或不予以抗辩。出借人为维护其债权人的合法权益,应保存借款合意、借款事实存在的证据。 The loan contract between natural persons is the contract for transferring ownership of the subject matter, the contract of practice, and the delivery of the money are the conditions for the loan contract to be established and effective. The loan contractual relationship between natural persons can not generally be determined only by virtue of the article or payment of the delivery certificate unless the debtor admits or does not defend it. In order to protect the legitimate rights and interests of its creditors, lenders should keep evidence of the satisfaction of borrowings and the existence of loans.