第五讲借款合同课件

Throughthispublicitycampaign,furtherimprovethesenseofbusinessintegrityoftourismenterprisestohelptourismconsumersandoperatorstosafeguardthelegitimaterightsandinterests,toensurethatourCity'stourismsustainable,healthyandcoordinatedDevelopment.第五讲借款合同Throughthispublicitycampaign,furtherimprovethesenseofbusinessintegrityoftourismenterprisestohelptourismconsumersandoperatorstosafeguardthelegitimaterightsandinterests,toensurethatourCity'stourismsustainable,healthyandcoordinatedDevelopment.借款合同的性质合同法2李承亮Throughthispublicitycampaign,furtherimprovethesenseofbusinessintegrityoftourismenterprisestohelptourismconsumersandoperatorstosafeguardthelegitimaterightsandinterests,toensurethatourCity'stourismsustainable,healthyandcoordinatedDevelopment.合同法李承亮3借贷与借款Throughthispublicitycampaign,furtherimprovethesenseofbusinessintegrityoftourismenterprisestohelptourismconsumersandoperatorstosafeguardthelegitimaterightsandinterests,toensurethatourCity'stourismsustainable,healthyandcoordinatedDevelopment.第464条称使用借贷者，谓当事人一方以物交付他方，而约定他方于无偿使用后返还其物之契约。第474条称消费借贷者，谓当事人一方移转金钱或其它代替物之所有权于他方，而约定他方以种类、品质、数量相同之物返还之契约。当事人之一方对他方负金钱或其它代替物之给付义务而约定以之作为消费借贷之标的者，亦成立消费借贷。合同法李承亮4中华民国民法典Throughthispublicitycampaign,furtherimprovethesenseofbusinessintegrityoftourismenterprisestohelptourismconsumersandoperatorstosafeguardthelegitimaterightsandinterests,toensurethatourCity'stourismsustainable,healthyandcoordinatedDevelopment.合同法李承亮5内容控制Throughthispublicitycampaign,furtherimprovethesenseofbusinessintegrityoftourismenterprisestohelptourismconsumersandoperatorstosafeguardthelegitimaterightsandinterests,toensurethatourCity'stourismsustainable,healthyandcoordinatedDevelopment.六、民间借贷的利率可以适当高于银行的利率，各地人民法院可根据本地区的实际情况具体掌握，但最高不得超过银行同类贷款利率的四倍（包含利率本数）。超出此限度的，超出部分的利息不予保护。（2004年10月28日，中国人民银行决定，从2004年10月29日起，金融机构（不含城乡信用社）的贷款利率原则上不再设定上限，贷款利率下浮幅度不变，贷款利率下限仍为基准利率的0.9倍。）合同法李承亮6最高人民法院关于人民法院审理借贷案件的若干意见（1991）Throughthispublicitycampaign,furtherimprovethesenseofbusinessintegrityoftourismenterprisestohelptourismconsumersandoperatorstosafeguardthelegitimaterightsandinterests,toensurethatourCity'stourismsustainable,healthyandcoordinatedDevelopment.合同法李承亮7借款人的义务（数字为合同法条文）Throughthispublicitycampaign,furtherimprovethesenseofbusinessintegrityoftourismenterprisestohelptourismconsumersandoperatorstosafeguardthelegitimaterightsandinterests,toensurethatourCity'stourismsustainable,healthyandcoordinatedDevelopment.合同法李承亮8期限Throughthispublicitycampaign,furtherimprovethesenseofbusinessintegrityoftourismenterprisestohelptourismconsumersandoperatorstosafeguardthelegitimaterightsandinterests,toensurethatourCity'stourismsustainable,healthyandcoordinatedDevelopment.违约方违约行为法律后果贷款人违反提供借款的义务赔偿损失借款人违反收取借款的义务支付利息违反按约定的用途使用借款的义务停止发放借款、提前收回借款、解除合同违反按约定的期限返还借款的义务逾期偿还支付逾期利息提前偿还按照实际借款的期间计算利息合同法李承亮9违约行为与法律后果Throughthispublicitycampaign,furtherimprovethesenseofbusinessintegrityoftourismenterprisestohelptourismconsumersandoperatorstosafeguardthelegitimaterightsandinterests,toensurethatourCity'stourismsustainable,healthyandcoordinatedDevelopment.案情：2003年10月2日，刘某向谢某借款58000元，当时双方签订《还款协议》约定“刘某向谢某所借58000元在2003年12月20日前一次性还清，超过2003年12月20日没有还清所借款项，则借款期内按银行利率的四倍计算利息”。后刘某未能按时还款，谢某遂诉至法院要求刘某偿还借款，并按约定支付利息。问题：刘某应否按银行利率的四倍支付利息？合同法李承亮10案例13Throughthispublicitycampaign,furtherimprovethesenseofbusinessintegrityoftourismenterprisestohelptourismconsumersandoperatorstosafeguardthelegitimaterightsandinterests,toensurethatourCity'stourismsustainable,healthyandcoordinatedDevelopment.合同法第211条与最高人民法院关于贯彻执行《中华人民共和国民法通则》若干问题的意见（试行）第124条结合起来看，前者是“自然人之间的借款合同对支付利息没有约定或约定不明的，视为不支付利息。”，后者是“借款双方因利率发生争议，如果约定不明，又不能证明的，可以比照银行同类贷款利率计息”。显而易见，“支付利息约定不明”与“利率约定不明”是两个概念，前者是对于是否支付利息约定不明，而后者是对利率的计算约定不明。利率应当以中国人民银行规定贷款利率的下限为准。合同法李承亮11“支付利息约定不明”的理解