民间借贷的实践中,欠条和借条在使用方式和法律效果上有有一定的联系,但是就是因为这一字之差,当事人往往混淆了欠条和借条的区别,导致双方当事人因此产生了法律纠纷,这样的实例不胜枚举。那么辨析欠条和借条的关系,通过实例证明两者在法律效力上的联系以及不同,以此完善民间借贷合同的法律关系就是笔者将要解决的问题。 In the practice of private lending, IOUs and IOUs have certain connection with the mode of use and legal effect. However, because of the difference between the two characters, the parties often confuse the difference between IOUs and IOUs, resulting in legal disputes between the parties. Such examples are numerous. Then identify the relationship between IOUs and IOUs, through examples to prove the legal validity of the two links and different, so as to improve the legal relationship of private lending contracts is the author’s problem to be solved.