近年来,由于民间借贷自身具有自发性、灵活性,而外部又缺少法律的制约,我国民间借贷合同纠纷的诉讼层出不穷,呈现出涉诉主体人数多、关系复杂,借款金额高、追逐高额贷款利息、非法借贷、借款人出庭率低、证据材料简单、案件久拖不决等等特点,从而导致了当事人合法权益受到侵害,及法院审理案件困难等情形,为了维护民间借贷市场良性的运转,有必要将民间借贷合同规范化,制定统一的民间借贷合同范本。 In recent years, due to its own spontaneous and flexible private lending, and the external lack of legal constraints, our litigation endless litigation civil disputes, showing the main body of the litigation, the relationship is complex, the amount of high borrowing, chasing high loans Interest, illegal borrowing, low attendance rate of borrowers, simple evidence, long delay of cases and so on, which led to the infringement of the legitimate rights and interests of the parties and the court’s handling of the case. In order to safeguard the sound operation of the private lending market, It is necessary to standardize the private lending contracts and formulate a unified model of private lending contracts.