近年来,民间借贷市场呈现出异常繁荣之势,广州市番禺区人民法院(以下简称番禺法院)受理的民间借贷案件数量和标的额也迅速上升。案件数量和标的额激增的同时,案件审理中也出现了很多新情况新问题,如高利贷现象普遍且更加隐蔽;借贷方式更加复杂,借贷双方往往以其他法律关系如买卖合同来掩盖民间借贷行为,案件定性容易产生偏差;虚假诉讼问题及刑民交叉问题突出,等等。上述非法民间借贷涉嫌通过民事诉讼程序进行“合法化”包装, In recent years, the private lending market has shown an unusually prosperous trend. The number of private lending cases accepted by the People’s Court of Panyu District, Guangzhou City (hereinafter referred to as the Panyu Court) has also risen rapidly. At the same time as the number of cases and the subject matter surged sharply, many new and emerging issues emerged during the trial of the case. For instance, the phenomenon of usury was widespread and more invisible. Borrowing and borrowing methods were more complicated. Both lending and borrowing parties often used other legal relations such as sale and purchase contracts to cover up private borrowing, Cases of qualitative prone to bias; false litigation problems and cross-cutting issues prominent, and so on. The illegal private lending allegedly through the civil proceedings “” legal "packaging,