与银行贷款相比,民间借贷具有手续简单,资金周转快,贷款门槛低等特点,但是,缺乏规范也让民间借贷风险重重。为提示经营者注意借贷风险,本刊特整理相关案例四则,以供参考。A合法的民间借贷朋友林某自己经营一家公司,需要大量的资金周转,于是经常找王某借钱并许诺给王某每月不少于4%的利息。王某比较讲义气,借钱给林某从来不要求打借条,林某也准时按口头承诺的还款时间还款并给予利息。后来,林某先后从王某处借款50万元未予归还,王某手中只有林某以公司名义出具的20万元借条,剩余30万元没有任何凭据。此后,王某因需要购买婚房要求林某返还借款,起初,林某答应过几天再还,后来索性不理睬王某,王某一气之下将林某告上法庭,要求林某返还借 Compared with bank loans, non-government loans have the features of simple formalities, quick capital turnover and low loan thresholds. However, the lack of norms also puts a lot of risks on private lending. In order to prompt the operator to pay attention to the risk of borrowing, this article specializes in the relevant four cases for reference. A legitimate private lending friend Lin himself running a company that requires a lot of cash flow, so often find money and promised Wang Wang monthly interest of not less than 4%. Wang more loyalty, lending money to Lin never asked to play a loan, Lin also on time promised repayment on time and repay the interest. Later, Lin has borrowed 500,000 yuan from Wang did not return, Wang hands Lin only issued in the name of 200,000 yuan IOU, the remaining 300,000 yuan without any evidence. Since then, Wang required to buy a marriage room for the return of borrowed money, at first, Lin promised to return a few days later, then simply ignore Wang, angrily Lin will be brought to court under the law, asked Lin to return by borrowing