案情: 1991年5月8日,张某在信用社贷款6000元搞运输。其中以他本人名义贷款3000元,借本村李某的印章贷款3000元。1991年12月,张某归还本人名下贷款3000元,欠贷款3000元,现已逾期。信用社向张某和李某多次催收,张某以无钱为由拒不还贷,李某以没用款为由拒不归还。信用社想起诉法庭依法收回,在把谁作为被告上产生分歧,一种意见认为,张某是用款人应起诉张,另一种意见则认为,应起诉李某,把张某作为无独立请求权的第三人参加诉讼。 分析: Case: May 8, 1991, Zhang loan 6,000 yuan in credit cooperatives to engage in transport. One of his own name loans 3,000 yuan, by the village Lee’s seal of 3,000 yuan loan. December 1991, Zhang returned to my name loan of 3,000 yuan, owed loans of 3,000 yuan, is now overdue. Credit unions and Zhang Lee repeated collection, Zhang refused to repay on the grounds of money, Lee refused to return on the grounds of no use money. Credit unions want to sue the court recovered according to law, who disagreed on the defendant, a view that Zhang is the user should sue Zhang, the other opinion is that Lee should be sued, Zhang as independents The third party who claims the right to participate in the proceedings. analysis: