为民间借贷提个醒近来,民间借贷纠纷日益增多,为保障出借人的自身权益,老百姓在出借资金时,应注意以下几点:一、要做好资信审查及担保工作把钱借给别人,一定要摸清对方的偿还能力,了解对方的信用情况。对那些不守信用没有偿还能力的人,不能轻易将钱借出去,否则,即使打赢官司也要不回欠款。同时,要采取担保措施以确保自身权益的实现。在借款人到期不偿还欠款时,要在法律规定的担保期限内通过诉讼向担保人主张权利。 Recently, private lending disputes increased, in order to protect the lender’s own rights and interests, people in the lending of funds, we should note the following: First, we must do a good job of credit examination and security work to lend money to others, Be sure to find out each other’s repayment ability to understand each other’s credit conditions. For those who do not keep creditworthiness and can not repay their ability, they can not easily lend money out, otherwise they will not owe money even if they win the lawsuit. At the same time, we must take security measures to ensure the realization of their own rights. When the borrower fails to repay the debts due, it is necessary to claim the rights of the guarantor through litigation within the guarantee period stipulated by law.