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,法律术语叫做消费借贷契约,消费借贷契约的成?必须满三个条g:(一)消费借贷契约成立(借据).(?交付借款(交钱).(?期限届至或经催告而不履行(到期或发存证信函、律师函).</span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    二?交付借款以签发收据或汇款方式Z:因ؓ消费借贷契约的成?是以交付借款为前提要?而这Ҏ一般h或企业主常忽略的地方!常看到许多h虽然有借据或本等证物,却没有开立收据证明债务人已收受借款,D日后q入诉讼E序,无法证明借款实已经交付,H生困扰.故徏议交付借款,必须{֏收据或汇?</span><br /> <span style="font-size:16px;font-family:SimSun;"></span><br /> <span style="font-size:16px;font-family:SimSun;">    三?除此之外,我国法院判决认ؓ,开立本或支票,无法证明实已经交付借款.换言?只开据是不以证明有交付金q!仍须{֏收据,或有银行汇款U录{方?证明已交付借款.</span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    四?另外,Z避免求偿困难(例如债务?,可以在签立借据?另外要求债务人提供担保物品例如珠宝或不动?避免企业主辛辛苦苦赚来的钱凭I消?只剩下一张债权凭证!</span><br /> <div style="text-align:center;"> <span style="font-size:16px;font-family:SimSun;"></span><img src="/uploads/image/20190223/20190223140853_3441.jpg" alt="贵阳收̎公司" width="300" height="300" title="贵阳收̎公司" align="" /> </div> <span style="font-size:16px;font-family:SimSun;">    【借据范例?/span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    借据</span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    今因{事?故于民国q月?向借贷金钱,双方议定借贷ƾ条如下:</span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    一?贷与?以下U甲?,借用?以下UC?.</span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    二?甲方愿将金钱新台币元贷与乙方;乙方愿供担保,{֏本票一U?</span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    三?甲方于本契约成立同时,前条金钱如C付乙方亲收点?</span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    四?本借贷金钱期间自民国年月日赯民国q月日止.</span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    五?乙方于借贷期间届满?应将借用金钱向甲方全部清?不得为部份清偿或怠于履行.</span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    六?U定利息:</span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    (1) 本借贷金钱U定利息,依法定利?% 计算.</span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    (2) 前条U定利息之支付期为每月日,׃Ҏ付甲?不得有拖延短?</span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    (3) 乙方如有怠于支付利息贰次以上?虽在借贷期间存箋?甲方得随时终止本借贷契约,乙方不得有异?</span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    (4) 本借贷契约依前条ؓl止?乙方应即借用金钱全部及积Ơ利息一q偿q甲?不得拖g短欠.</span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    七?双方U定嗣后如有g,则以台湾台北地方法院为管辖法?</span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    贷与? 即甲? :借用? 即乙? :</span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    w䆾证字?        w䆾证字?</span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    住址: 住址:</span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    见证?</span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    中华民国    q?nbsp;   ?nbsp;   ?/span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    【贵x人收账公司教你相x文?/span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    民法W?74 ?「称消费借贷?谓当事h一方移转金钱或其他代替物之所有权于他?而约定他方以U类、品质、数量相同之物返q之契约.当事Z一方对他方负金钱或其他代替物之l付义务而约定以之作为消费借贷之标的?亦成立消费借贷.?/span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    【法院判冟?/span><br /> <br /> <span style="font-size:16px;font-family:SimSun;">    最高法?6 q台上字W?031 h事裁判要?「支ؓ无因证券,{֏支票之原因实有多?非必因借贷关系始签?故签发支交付他人提领尚不以证明与他h订立借贷契约,h与他成立借贷关系.?/span><br /></p></div> <div class="page" style="font-size:12px;"><div>上一?<a href="76.html">债权人在讨Z有哪些问题需要注?</a></div> <div>下一?<a href="74.html">贵阳要债公?收债的一般流E?/a></div> </div> <div class="pad"> <div class="comment"> 相关标签Q?a href='/key.aspx?k=%b9%f3%d1%f4%ca%d5%d5%cb%b9%ab%cb%be'>贵阳收̎公司</a>, </div> </div> </div> <div class="title02"><a href="/news/" target="_blank">更多</a>相关新闻</div> <div class="newslist1"> <ul> <li style="padding-left:0px;"><a href="/news/75.html" target="" title="借钱l他?贵阳替h收̎公司教你该如何保障自? 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