【以案普法】没打借条，怎么起诉？这里有一份操作指引！
<section style="box-sizing: border-box; text-align: justify; visibility: visible;"><section style="font-size: 16px; font-style: normal; font-weight: 400; text-align: center; margin-top: 10px; margin-bottom: 10px; box-sizing: border-box; visibility: visible;" powered-by="xiumi.us"><br></section><section style="font-size: 16px; font-style: normal; font-weight: 400; box-sizing: border-box; visibility: visible;" powered-by="xiumi.us"><section style="margin: 0px 0% 10px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; box-sizing: border-box; visibility: visible;"><section style="display: inline-block; width: 100%; vertical-align: top; border-width: 0px; border-style: solid; border-color: rgb(255, 255, 255); align-self: flex-start; flex: 0 0 auto; box-sizing: border-box; visibility: visible;"><section style="box-sizing: border-box; visibility: visible;" powered-by="xiumi.us"><section style="display: flex; flex-flow: row nowrap; margin: 10px 0% 0px; text-align: justify; justify-content: flex-start; box-sizing: border-box; visibility: visible;"><section style="display: inline-block; width: auto; vertical-align: top; flex: 100 100 0%; align-self: flex-start; height: auto; margin: 0px 10px; border-width: 0px; padding: 0px; background-image: linear-gradient(rgb(227, 239, 255) 0%, rgba(227, 239, 255, 0.15) 100%); box-sizing: border-box; visibility: visible;"><section style="box-sizing: border-box; visibility: visible;" powered-by="xiumi.us"><section style="justify-content: flex-start; display: flex; flex-flow: row nowrap; box-sizing: border-box; visibility: visible;"><section style="display: inline-block; width: 100%; vertical-align: top; padding: 20px; background-position: 0% 0%; background-repeat: repeat; background-size: 4.0283%; background-attachment: scroll; align-self: flex-start; flex: 0 0 auto; background-image: url("<a href=" https:="" mmbiz.qpic.cn="" mmbiz_png="" ibzbtvzjdx2byfbg2mkvcbqfeekc73hsryoicvmqldblt80wlwf348etwicbmrnrsvbikmy82mbimlz78cicxmxnca="" 640?wx_fmt="png""" target="_blank"><section style="color: rgb(90, 90, 90); line-height: 2; letter-spacing: 1px; box-sizing: border-box; visibility: visible;" powered-by="xiumi.us"><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; visibility: visible;"><span style="color: rgb(0, 0, 0); font-size: 17px; box-sizing: border-box; visibility: visible;"> 最高人民法院《关于审理民间借贷案件适用法律若干问题的规定》第十七条规定，</span><span style="font-size: 17px; box-sizing: border-box; color: rgb(171, 25, 66); visibility: visible;"><strong style="visibility: visible;">原告仅依据金融机构的转账凭证提起民间借贷诉讼，被告抗辩转账系偿还双方之前借款或者其他债务的，被告应当对其主张提供证据证明。被告提供相应证据证明其主张后，原告仍应就借贷关系的成立承担举证责任。</strong></span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; visibility: visible;"><br style="box-sizing: border-box; visibility: visible;"></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; visibility: visible;"><span style="color: rgb(0, 0, 0); font-size: 17px; box-sizing: border-box; visibility: visible;"> 因此，在当事人一方没有借条而仅有转账凭证的情况下向法院提起诉讼的，对方抗辩该转账并非民间借贷款项，对方须为此抗辩理由提供相应的事实证据予以证明。在对方提供了相应的证据证实的情况下，原告还应当继续就借贷关系成立承担举证责任，举证不能则驳回其诉请。</span></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; visibility: visible;"><br style="box-sizing: border-box; visibility: visible;"></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; visibility: visible;"><span style="color: rgb(0, 0, 0); font-size: 17px; box-sizing: border-box; visibility: visible;"> </span><span style="font-size: 17px; box-sizing: border-box; color: rgb(171, 25, 66); visibility: visible;"><strong style="visibility: visible;"> 那么问题来了，如果对方抗辩这种转账对应的并非借贷关系，而是其他关系，该如何处理？</strong></span><span style="color: rgb(0, 0, 0); font-size: 17px; box-sizing: border-box; visibility: visible;">因为发生转账的原因有很多，例如赠与、买卖合同关系、劳务合同关系、咨询服务关系、中介行纪服务关系、委托服务关系等。因此，没有借条的情况下，而另一方直接缺席审理，原告维权难度很大？这是一个很常见的问题，也是一个比较棘手的法律问题。为此，本文整理了有关案例资料及相关司法解释，供大家参考借鉴。</span></p></section></section></section></section></section></section></section></section></section></section><section style="font-size: 16px; font-style: normal; font-weight: 400; box-sizing: border-box; visibility: visible;" powered-by="xiumi.us"><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; visibility: visible;"><br style="box-sizing: border-box; visibility: visible;"></p></section><section style="font-size: 16px; font-style: normal; font-weight: 400; box-sizing: border-box; visibility: visible;" powered-by="xiumi.us"><section style="margin: 10px 0%; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; box-sizing: border-box; visibility: visible;"><section style="display: inline-block; width: 100%; vertical-align: top; align-self: flex-start; flex: 0 0 auto; box-sizing: border-box; visibility: visible;"><section style="margin: 10px 0% 0px; text-align: center; line-height: 0.8; box-sizing: border-box; visibility: visible;" powered-by="xiumi.us"><section style="width: 0px; display: inline-block; border-top: 0.8em solid rgb(171, 211, 224); box-sizing: border-box; border-left: 0.7em solid transparent !important; border-right: 0.7em solid transparent !important; visibility: visible;"><section style="visibility: visible;"><svg viewBox="0 0 1 1" style="float: left; line-height: 0; width: 0px; vertical-align: top; visibility: visible;"></svg></section></section></section><section style="margin: 0px 0% 10px; text-align: center; line-height: 0.8; font-size: 8px; box-sizing: border-box; visibility: visible;" powered-by="xiumi.us"><section style="width: 0px; display: inline-block; border-top: 0.8em solid rgb(255, 239, 183); box-sizing: border-box; border-left: 0.7em solid transparent !important; border-right: 0.7em solid transparent !important; visibility: visible;"><section style="visibility: visible;"><svg viewBox="0 0 1 1" style="float: left; line-height: 0; width: 0px; vertical-align: top; visibility: visible;"></svg></section></section></section></section></section></section><section style="font-size: 16px; font-style: normal; font-weight: 400; box-sizing: border-box; visibility: visible;" powered-by="xiumi.us"><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box; visibility: visible;"><br style="box-sizing: border-box; visibility: visible;"></p></section><section style="font-size: 16px; font-style: normal; font-weight: 400; margin-top: 10px; margin-bottom: 10px; text-align: center; box-sizing: border-box; visibility: visible;" powered-by="xiumi.us"><section style="display: inline-block; vertical-align: top; box-sizing: border-box; visibility: visible;"><section style="width: 100%; height: 10px; margin-bottom: -6px; background-color: rgb(226, 246, 253); box-sizing: border-box; visibility: visible;"><section style="visibility: visible;"><svg viewBox="0 0 1 1" style="float: left; line-height: 0; width: 0px; vertical-align: top; visibility: visible;"></svg></section></section><section style="font-size: 17px; line-height: 1em; padding-left: 2px; padding-right: 2px; box-sizing: border-box; visibility: visible;"><p style="margin: 0px; padding: 0px; box-sizing: border-box; visibility: visible;"><strong style="box-sizing: border-box; visibility: visible;">一、借贷关系成立的条件</strong></p></section></section></section><section style="font-size: 16px; font-style: normal; font-weight: 400; box-sizing: border-box;" powered-by="xiumi.us"><section style="margin: 10px 0%;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;box-sizing: border-box;"><section style="display: inline-block;width: 100%;vertical-align: top;padding: 15px;background-position: 25.8037% -43.1473%;background-repeat: repeat;background-size: 29.7866%;background-attachment: scroll;align-self: flex-start;flex: 0 0 auto;background-image: url("<a href=" https:="" mmbiz.qpic.cn="" mmbiz_png="" ibzbtvzjdx2byfbg2mkvcbqfeekc73hsr6ajeban9toqpvttg6nhkw0xl7xslje964gpzuicvvoiczg5bxbdejq1g="" 640?wx_fmt="png""" target="_blank"><br><section style="color: rgb(0, 0, 0);text-align: justify;font-size: 17px;line-height: 2;letter-spacing: 1px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> 借贷关系成立，且受法律保护的，理应符合下列条件：</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> 1、双方存在成立借贷关系的意思表示；</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> 2、一方已经履行了款项出借的义务；</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> 3、借贷关系不违反国家法律、法规强制性规定。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> 原告在诉讼中为证明借贷关系成立，需要准备证据证实上述第1、2项内容，第3项的认定由法院根据其所调查的事实进行判定。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section></section><section style="font-size: 16px; font-style: normal; font-weight: 400; box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="font-size: 16px; font-style: normal; font-weight: 400; margin-top: 10px; margin-bottom: 10px; text-align: center; box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: top;box-sizing: border-box;"><section style="width: 100%;height: 10px;margin-bottom: -6px;background-color: rgb(226, 246, 253);box-sizing: border-box;"><section><svg viewBox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><section style="line-height: 1.5;padding-left: 2px;padding-right: 2px;font-size: 17px;letter-spacing: 1px;box-sizing: border-box;"><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">二、没有借条，</strong></p><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">对方可能提起的抗辩</strong></p></section></section></section><section style="font-size: 16px; font-style: normal; font-weight: 400; box-sizing: border-box;" powered-by="xiumi.us"><section style="margin: 10px 0%;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;box-sizing: border-box;"><section style="display: inline-block;width: 100%;vertical-align: top;padding: 15px;background-position: 25.8037% -43.1473%;background-repeat: repeat;background-size: 29.7866%;background-attachment: scroll;align-self: flex-start;flex: 0 0 auto;background-image: url("<a href=" https:="" mmbiz.qpic.cn="" mmbiz_png="" ibzbtvzjdx2byfbg2mkvcbqfeekc73hsr6ajeban9toqpvttg6nhkw0xl7xslje964gpzuicvvoiczg5bxbdejq1g="" 640?wx_fmt="png""" target="_blank"><br><section style="color: rgb(0, 0, 0);text-align: justify;font-size: 17px;line-height: 2;letter-spacing: 1px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> <span style="color: rgb(171, 25, 66);"><strong> 1、买卖合同关系：</strong></span>买卖合同是出卖人转移标的物的所有权于买受人，买受人支付价款的合同。本案中，原告给付被告的款项，属于货款。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> <span style="color: rgb(171, 25, 66);"><strong> 2、赠与合同关系：</strong></span>赠与合同是赠与人将自己的财产无偿给予受赠人，受赠人表示接受赠与的合同。赠与人在赠与财产的权利转移之前可以撤销赠与。鉴于金钱属于流动财产，一经转移所有权即发生转移，无法撤销赠与。故此类抗辩在恋爱财产纠纷以及同居财产纠纷中较为常见。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> <span style="color: rgb(171, 25, 66);"><strong> 3、定金保证合同关系：</strong></span>为保证对方履行合同义务，当事人将款项作为定金支付给对方，对方如不履行合同义务的，将向支付定金一方双倍返还。鉴于此类抗辩必须要明确定金性质，故此类抗辩难度较大。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> <span style="color: rgb(171, 25, 66);"><strong> 4、租赁合同关系：</strong></span>租赁合同是出租人将租赁物交付承租人使用、收益，承租人支付租金的合同。如果双方之间存在租赁合同关系，那么一方所收取的款项可能会被认定为租金，即便租金可能高于或者少于约定的应付租金金额。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> <span style="color: rgb(171, 25, 66);"><strong> 5、承揽合同关系：</strong></span>承揽合同是承揽人按照定作人的要求完成工作，交付工作成果，定作人支付报酬的合同。除了承揽合同之外，还可能存在劳务合同关系、雇佣合同关系等。一方收取的款项并不是借款。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> <span style="color: rgb(171, 25, 66);"><strong> 6、保管合同关系：</strong></span>保管合同是保管人保管寄存人交付的保管物，并返还该物的合同。鉴于保管合同默认为无偿，必须通过明示的方式确认为有偿。因此，以双方之间存在保管合同为由抗辩款项属于保管费的，必须有证据证实。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> <span style="color: rgb(171, 25, 66);"><strong> 7、委托合同关系：</strong></span>委托合同是委托人和受托人约定，由受托人处理委托人事务的合同。委托人应当预付处理委托事务的费用。受托人为处理委托事务垫付的必要费用，委托人应当偿还该费用并支付利息。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> <span style="color: rgb(171, 25, 66);"><strong> 8、行纪合同关系：</strong></span>行纪合同是行纪人以自己的名义为委托人从事贸易活动，委托人支付报酬的合同。因此，对于一方收取的费用，如果存在行纪合同关系的话，可能会被认定为行纪合同下的报酬，并非借款。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> <span style="color: rgb(171, 25, 66);"><strong> 9、中介合同关系：</strong></span>中介合同是中介人向委托人报告订立合同的机会或者提供订立合同的媒介服务，委托人支付报酬的合同。如存在中介合同关系的，一方收取的款项可能会被认定为中介费。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> 除了上述9种有名合同下的款项来源抗辩外，借款人可能还会以赌资为由，请求法院不予保护赌资的还款要求。</p></section></section></section></section><section style="font-size: 16px; font-style: normal; font-weight: 400; box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="font-size: 16px; font-style: normal; font-weight: 400; margin-top: 10px; margin-bottom: 10px; text-align: center; box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: top;box-sizing: border-box;"><section style="width: 100%;height: 10px;margin-bottom: -6px;background-color: rgb(226, 246, 253);box-sizing: border-box;"><section><svg viewBox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><section style="line-height: 1.5;padding-left: 2px;padding-right: 2px;font-size: 17px;letter-spacing: 1px;box-sizing: border-box;"><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">三、借其他事由抗辩</strong></p><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">非借款的法律风险</strong></p></section></section></section><section style="font-size: 16px; font-style: normal; font-weight: 400; box-sizing: border-box;" powered-by="xiumi.us"><section style="margin: 10px 0%;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;box-sizing: border-box;"><section style="display: inline-block;width: 100%;vertical-align: top;padding: 15px;background-position: 25.8037% -43.1473%;background-repeat: repeat;background-size: 29.7866%;background-attachment: scroll;align-self: flex-start;flex: 0 0 auto;background-image: url("<a href=" https:="" mmbiz.qpic.cn="" mmbiz_png="" ibzbtvzjdx2byfbg2mkvcbqfeekc73hsr6ajeban9toqpvttg6nhkw0xl7xslje964gpzuicvvoiczg5bxbdejq1g="" 640?wx_fmt="png""" target="_blank"><br><section style="color: rgb(127, 127, 127);text-align: justify;line-height: 2;letter-spacing: 1px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><span style="color: rgb(0, 0, 0);font-size: 17px;box-sizing: border-box;"> 2018年，最高人民法院及最高人民检察院发布了《关于办理虚假诉讼刑事案件适用法律若干问题的解释》，对虚假诉讼情形进行了具体的规定，彰显了国家打击虚假诉讼行为的决心。2021年，最高人民法院、最高人民检察院、公安部、司法部联合发布《关于进一步加强虚假诉讼犯罪惩治工作的意见》，指出虚假诉讼犯罪，是指行为人单独或者与他人恶意串通，采取伪造证据、虚假陈述等手段，捏造民事案件基本事实，虚构民事纠纷，向人民法院提起民事诉讼，妨害司法秩序或者严重侵害他人合法权益，依照法律应当受刑罚处罚的行为。但是，鉴于虚假诉讼是一种主动行为，即通过虚构事实主动起诉对方，以觊觎达到其非法目的。而其中的虚假陈述既可能主动，也可能被动，因此，本文中讨论的一方以其他理由借机抗辩款项非借款的，属于被动型的虚假陈述情形。</span></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><span style="color: rgb(0, 0, 0);font-size: 17px;box-sizing: border-box;"> 根据民事诉讼法第一百一十一条的规定，伪造、毁灭重要证据，妨碍人民法院审理案件的，是妨碍司法的行为，人民法院可以根据情节轻重予以罚款、拘留；构成犯罪的，依法追究刑事责任。民事诉讼中的证据包括当事人的陈述、书证、物证、视听资料、电子数据、证人证言、鉴定意见、勘验笔录等八种形式证据。如果一方在诉讼中虚假陈述，可以视为属于伪造重要证据的情形，可能使得法院基于错误的事实而作出错误的判决，扰乱司法秩序。</span></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><span style="color: rgb(0, 0, 0);font-size: 17px;box-sizing: border-box;"> 根据该《虚假诉讼司法解释》第七条的规定，采取伪造证据等手段篡改案件事实，骗取人民法院裁判文书，构成犯罪的，依照刑法第二百八十条、第三百零七条等规定追究刑事责任。需要注意的是，刑法第二百八十条规定的是伪造、变造、买卖国家机关公文、证件、印章罪；盗窃、抢夺、毁灭国家机关公文、证件、印章罪；伪造公司、企业、事业单位、人民团体印章罪；伪造、变造、买卖身份证件罪；使用虚假身份证件、盗用身份证件罪。而刑法第三百零七条规定的是妨害作证罪。因此，在民事诉讼中伪造证据入罪的，必须是特定的情形，即符合刑法第二百八十条及第三百零七条所规定的具体情形。</span></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><span style="color: rgb(0, 0, 0);font-size: 17px;box-sizing: border-box;"> 综上，被告在答辩时作虚假陈述的，法院可以依照民事诉讼法第一百一十一条的规定对其作出相应的处罚，但是如果要追究刑事责任的，行为人的行为必须符合刑法第二百八十条以及第三百零七条的规定，否则基于罪刑法定的原则不给予入罪定性。</span></p></section></section></section></section><section style="font-size: 16px; font-style: normal; font-weight: 400; box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="font-size: 16px; font-style: normal; font-weight: 400; margin-top: 10px; margin-bottom: 10px; text-align: center; box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: top;box-sizing: border-box;"><section style="width: 100%;height: 10px;margin-bottom: -6px;background-color: rgb(226, 246, 253);box-sizing: border-box;"><section><svg viewBox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><section style="font-size: 17px;line-height: 1em;padding-left: 2px;padding-right: 2px;box-sizing: border-box;"><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">四、没打借条，该怎么办？</strong></p></section></section></section><section style="font-size: 16px; font-style: normal; font-weight: 400; box-sizing: border-box;" powered-by="xiumi.us"><section style="margin: 10px 0%;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;box-sizing: border-box;"><section style="display: inline-block;width: 100%;vertical-align: top;padding: 15px;background-position: 25.8037% -43.1473%;background-repeat: repeat;background-size: 29.7866%;background-attachment: scroll;align-self: flex-start;flex: 0 0 auto;background-image: url("<a href=" https:="" mmbiz.qpic.cn="" mmbiz_png="" ibzbtvzjdx2byfbg2mkvcbqfeekc73hsr6ajeban9toqpvttg6nhkw0xl7xslje964gpzuicvvoiczg5bxbdejq1g="" 640?wx_fmt="png""" target="_blank"><br><section style="color: rgb(0, 0, 0);text-align: justify;font-size: 17px;line-height: 2;letter-spacing: 1px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> 1、起诉前，通过微信、短信等书面形式获得对方对借款意思表示的追认；</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> 2、起诉前，就借款事实以及还款承诺等内容以通话录音、现场录音等方式固定证据；</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> 3、起诉前，以结算利息等对账要求，请求对方向自己出具一份明确的借款还款承诺书；</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> 4、起诉前，通过报警立案等形式获取公安机关人民调解下的调解文书；</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> 5、起诉前，要求借款人寻找其他担保人或者提供其他担保等形式对前述借款进行进一步追认；</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> 6、起诉前，必要时咨询专业律师通过其他有效形式保留能够证明存在借款合意以及欠款事实的证据。</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> 如果当事人既没有借条，又没有转账凭证的，建议在补齐证据后再行诉讼。而在这段期间为防止诉讼时效届满，可以通过微信、短信、电话等方式固定催讨借款的证据。</p></section></section></section></section><section style="font-size: 16px; font-style: normal; font-weight: 400; box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="font-size: 16px; font-style: normal; font-weight: 400; margin-top: 10px; margin-bottom: 10px; text-align: center; box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: top;box-sizing: border-box;"><section style="width: 100%;height: 10px;margin-bottom: -6px;background-color: rgb(226, 246, 253);box-sizing: border-box;"><section><svg viewBox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><section style="line-height: 1.5;padding-left: 2px;padding-right: 2px;font-size: 17px;letter-spacing: 1px;box-sizing: border-box;"><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">五、没打借条，</strong></p><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">借款合同何时成立？</strong></p></section></section></section><section style="font-size: 16px; font-style: normal; font-weight: 400; box-sizing: border-box;" powered-by="xiumi.us"><section style="margin: 10px 0%;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;box-sizing: border-box;"><section style="display: inline-block;width: 100%;vertical-align: top;padding: 15px;background-position: 25.8037% -43.1473%;background-repeat: repeat;background-size: 29.7866%;background-attachment: scroll;align-self: flex-start;flex: 0 0 auto;background-image: url("<a href=" https:="" mmbiz.qpic.cn="" mmbiz_png="" ibzbtvzjdx2byfbg2mkvcbqfeekc73hsr6ajeban9toqpvttg6nhkw0xl7xslje964gpzuicvvoiczg5bxbdejq1g="" 640?wx_fmt="png""" target="_blank"><br><section style="color: rgb(0, 0, 0);text-align: justify;font-size: 17px;line-height: 2;letter-spacing: 1px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> <span style="color: rgb(171, 25, 66);"><strong> 1、以现金支付的，</strong></span>自借款人收到借款时；</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> <span style="color: rgb(171, 25, 66);"><strong>2、以银行转账、网上电子汇款等形式支付的，</strong></span>自资金到达借款人账户时；</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> <span style="color: rgb(171, 25, 66);"><strong> 3、以票据交付的，</strong></span>自借款人依法取得票据权利时；</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> <span style="color: rgb(171, 25, 66);"><strong> 4、出借人将特定资金账户支配权授权给借款人的，</strong></span>自借款人取得对该账户实际支配权时；</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> <span style="color: rgb(171, 25, 66);"><strong>5、出借人以与借款人约定的其他方式</strong></span>提供借款并实际履行完成时。</p></section></section></section></section><section style="font-size: 16px; font-style: normal; font-weight: 400; box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="font-size: 16px; font-style: normal; font-weight: 400; margin-top: 10px; margin-bottom: 10px; text-align: center; box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: top;box-sizing: border-box;"><section style="width: 100%;height: 10px;margin-bottom: -6px;background-color: rgb(226, 246, 253);box-sizing: border-box;"><section><svg viewBox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><section style="font-size: 17px;line-height: 1em;padding-left: 2px;padding-right: 2px;box-sizing: border-box;"><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">六、哪些民间借贷被认定无效？</strong></p></section></section></section><section style="font-size: 16px; font-style: normal; font-weight: 400; box-sizing: border-box;" powered-by="xiumi.us"><section style="margin: 10px 0%;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;box-sizing: border-box;"><section style="display: inline-block;width: 100%;vertical-align: top;padding: 15px;background-position: 25.8037% -43.1473%;background-repeat: repeat;background-size: 29.7866%;background-attachment: scroll;align-self: flex-start;flex: 0 0 auto;background-image: url("<a href=" https:="" mmbiz.qpic.cn="" mmbiz_png="" ibzbtvzjdx2byfbg2mkvcbqfeekc73hsr6ajeban9toqpvttg6nhkw0xl7xslje964gpzuicvvoiczg5bxbdejq1g="" 640?wx_fmt="png""" target="_blank"><br><section style="color: rgb(0, 0, 0);text-align: justify;font-size: 17px;line-height: 2;letter-spacing: 1px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> 1、套取金融机构贷款转贷的；</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> 2、以向其他营利法人借贷、向本单位职工集资，或者以向公众非法吸收存款等方式取得的资金转贷的；</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> 3、未依法取得放贷资格的出借人，以营利为目的向社会不特定对象提供借款的；</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> 4、出借人事先知道或者应当知道借款人借款用于违法犯罪活动仍然提供借款的；</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> 5、违反法律、行政法规强制性规定的；</p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> 6、违背公序良俗的。</p></section></section></section></section><section style="font-size: 16px; font-style: normal; font-weight: 400; box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="font-size: 16px; font-style: normal; font-weight: 400; margin-top: 10px; margin-bottom: 10px; text-align: center; box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: top;box-sizing: border-box;"><section style="width: 100%;height: 10px;margin-bottom: -6px;background-color: rgb(226, 246, 253);box-sizing: border-box;"><section><svg viewBox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><section style="line-height: 1.5;padding-left: 2px;padding-right: 2px;font-size: 17px;letter-spacing: 1px;box-sizing: border-box;"><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">七、有借条但无转账凭证，</strong></p><p style="margin: 0px;padding: 0px;box-sizing: border-box;"><strong style="box-sizing: border-box;">法院如何处理？</strong></p></section></section></section><section style="font-size: 16px; font-style: normal; font-weight: 400; box-sizing: border-box;" powered-by="xiumi.us"><section style="margin: 10px 0%;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;box-sizing: border-box;"><section style="display: inline-block;width: 100%;vertical-align: top;padding: 15px;background-position: 25.8037% -43.1473%;background-repeat: repeat;background-size: 29.7866%;background-attachment: scroll;align-self: flex-start;flex: 0 0 auto;background-image: url("<a href=" https:="" mmbiz.qpic.cn="" mmbiz_png="" ibzbtvzjdx2byfbg2mkvcbqfeekc73hsr6ajeban9toqpvttg6nhkw0xl7xslje964gpzuicvvoiczg5bxbdejq1g="" 640?wx_fmt="png""" target="_blank"><br><section style="color: rgb(0, 0, 0);text-align: justify;font-size: 17px;line-height: 2;letter-spacing: 1px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> 一方以借条向法院起诉，但无法提供转账记录的，如借款时提供的是现金，那么对方抗辩说已经还清的，必须对还清的事实进行举证。如果对方抗辩说根本就未获得借条中的金额的，且原告也无法提供款项出借的证据的，则法院应当结合借贷金额、款项交付、当事人的经济能力、当地或者当事人之间的交易方式、交易习惯、当事人财产变动情况以及证人证言等事实和因素，综合判断查证借贷事实是否发生。</p></section></section></section></section><section style="font-size: 16px; font-style: normal; font-weight: 400; box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="font-size: 16px; font-style: normal; font-weight: 400; box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: center;justify-content: center;margin: 10px 0%;display: flex;flex-flow: row nowrap;box-sizing: border-box;"><section style="display: inline-block;vertical-align: middle;width: auto;flex: 100 100 0%;height: auto;align-self: center;margin: 0px 10px 0px 0px;box-sizing: border-box;"><section style="transform: scale(0.7);transform-origin: center center;margin: 0px -24px;box-sizing: border-box;max-width: unset !important;" powered-by="xiumi.us"><section style="margin: 0.5em 0px;box-sizing: border-box;"><section style="background-color: rgb(252, 210, 125);height: 2px;box-sizing: border-box;"><section><svg viewBox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section></section><section style="display: inline-block;vertical-align: top;width: auto;line-height: 0;flex: 0 0 0%;height: auto;align-self: flex-start;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: right;justify-content: flex-end;display: flex;flex-flow: row nowrap;box-sizing: border-box;"><section style="display: inline-block;width: 10px;vertical-align: top;border-bottom: 2px solid rgb(255, 202, 0);border-bottom-right-radius: 0px;flex: 0 0 auto;height: auto;align-self: flex-start;box-sizing: border-box;"><section style="transform: rotateZ(24deg);box-sizing: border-box;" powered-by="xiumi.us"><section style="margin: 0px 0% 8px;box-sizing: border-box;"><section style="background-color: rgb(255, 202, 0);height: 2px;box-sizing: border-box;"><section><svg viewBox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;min-width: 10%;max-width: 100%;flex: 0 0 auto;height: auto;line-height: 0;align-self: center;box-sizing: border-box;"><section style="transform: rotateZ(328deg) scale(0.6);transform-origin: center center;margin: -20px -19px;box-sizing: border-box;max-width: unset !important;" powered-by="xiumi.us"><section style="justify-content: center;margin: 14px 0% 11px;transform: translate3d(5px, 0px, 0px);display: flex;flex-flow: row nowrap;box-sizing: border-box;"><section style="display: inline-block;width: auto;vertical-align: top;min-width: 10%;max-width: 100%;flex: 0 0 auto;height: auto;line-height: 0;border-width: 0px;align-self: flex-start;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 51px;height: 47px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 3px;border-radius: 100%;border-color: rgb(252, 210, 125) rgba(255, 255, 255, 0) rgb(252, 210, 125) rgb(252, 210, 125);box-sizing: border-box;"><section><svg viewBox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section><section style="transform: rotateZ(348deg);box-sizing: border-box;" powered-by="xiumi.us"><section style="margin: -37px 0% 0px;justify-content: center;transform: translate3d(-12px, 0px, 0px);box-sizing: border-box;"><section style="display: inline-block;width: 71px;height: 42px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 3px;border-radius: 100%;border-color: rgb(252, 210, 125) rgb(252, 210, 125) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0);box-sizing: border-box;"><section><svg viewBox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;flex: 100 100 0%;height: auto;align-self: center;margin: 0px 0px 0px 10px;box-sizing: border-box;"><section style="transform: scale(0.7);transform-origin: center center;margin: 0px -24px;box-sizing: border-box;max-width: unset !important;" powered-by="xiumi.us"><section style="margin: 0.5em 0px;box-sizing: border-box;"><section style="background-color: rgb(252, 210, 125);height: 2px;box-sizing: border-box;"><section><svg viewBox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section></section></section></section><section style="font-size: 16px; font-style: normal; font-weight: 400; box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="font-size: 16px; font-style: normal; font-weight: 400; box-sizing: border-box;" powered-by="xiumi.us"><section style="margin: 10px 0%;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;box-sizing: border-box;"><section style="display: inline-block;width: 100%;vertical-align: top;border-style: dashed;border-width: 3px;border-color: rgb(193, 223, 244);padding: 27px;align-self: flex-start;flex: 0 0 auto;box-sizing: border-box;"><section style="color: rgb(0, 0, 0);padding: 0px 1px;text-align: justify;font-size: 17px;line-height: 2;letter-spacing: 1px;box-sizing: border-box;" powered-by="xiumi.us"><p style="text-indent: 0em;white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"> <span style="color: rgb(171, 25, 66);"><strong> 小结：没打借条，隐患多多。为维护自身合法权益不受侵害，小编送您一份民间借贷借条模板，供您参考！</strong></span></p><p style="text-indent: 0em;white-space: normal;margin: 0px;padding: 0px;box-sizing: border-box;"></p><div style="text-align:center"></div><p></p></section></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="margin: 0px; padding: 0px; box-sizing: border-box;"><font size="1" color="#696969">来源：中国普法</font></p></section></section>转发收藏
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