据不完全统计；银行目前发生的以货还贷借款合同纠纷案件占全部借款合同纠纷案件的７０％。银行的败诉案件，凡属借款合同纠纷，败诉原因大部分是以贷还贷保证无效，给银行的依法收贷工作带来一定的困难。以贷还贷借款是指借贷双方按原借款合同金额重新签订借款合同后；借款方 According to incomplete statistics, the current bank loan repayment loan disputes over the entire loan contract dispute cases accounted for 70%. Banks lose cases, all belong to the loan contract disputes, most of the reasons for losing the loan repayment guarantee invalid, to the bank’s collection and lending according to law bring some difficulties. Borrowing loan repayment means that the borrower and lender re-sign the loan contract according to the original loan contract amount;