借贷活动由于受企业和银行利益机制的约束,所以既是一种经济活动,同时义是一种民事法律活动。借贷活动的过程表现为围绕借贷合同而进行的合同协商、签订和合同担保、履行、变更、解除等一系列法律行为。借贷活动各方须遵守平等、自愿、台法的民事法律行为准则,对其行为引起的法律后果承担 Loan activities, which are bound by the interests of enterprises and banks, are not only economic activities but also legal activities of civil law. The process of lending activities is manifested in a series of legal acts such as contract negotiation, contract signing, guarantee, performance, alteration and cancellation around loan contracts. The parties to the lending activities must abide by the civil law standards of conduct of equality, voluntariness and Taiwan law and bear the legal consequence of their actions