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| Announcement of the Supreme People's Court of the People's Republic of China | | 中华人民共和国最高人民法院公告 |
| The Decision of the Supreme People's Court to Amend the Provisions on Several Issues concerning the Application of Law in the Trial of Private Lending Cases, as adopted at the 1809th Session of the Judicial Committee of the Supreme People's Court on August 18, 2020, is hereby issued, and shall come into force on August 20, 2020. | | 《最高人民法院关于修改〈关于审理民间借贷案件适用法律若干问题的规定〉的决定》已于2020年8月18日由最高人民法院审判委员会第1809次会议通过，现予公布，自2020年8月20日起施行。 |
| Supreme People's Court | | 最高人民法院 |
| August 19, 2020 | | 2020年8月19日 |
| Decision of the Supreme People's Court to Amend the Provisions on Several Issues concerning the Application of Law in the Trial of Private Lending Cases | | 最高人民法院关于修改《关于审理民间借贷案件适用法律若干问题的规定》的决定 |
| (Interpretation No. 6 [2020] of the Supreme People's Court, adopted at the 1809th Session of the Judicial Committee of the Supreme People's Court on August 18, 2020, and coming into force on August 20, 2020) | | （2020年8月18日最高人民法院审判委员会第1809次会议通过，自2020年8月20日起施行 法释〔2020〕6号） |
| Based on the needs of trial practices, as decided at 1809th Session of the Judicial Committee of the Supreme People's Court, the Provisions on Several Issues concerning the Application of Law in the Trial of Private Lending Cases are hereby amended as follows: | | 根据审判实践需要，经最高人民法院审判委员会第1809次会议决定，对《关于审理民间借贷案件适用法律若干问题的规定》作如下修改： |
| 1. Article 1 is amended to read: | | 一、将第一条修改为： |
| “For the purpose of these Provisions, ‘private lending' means the acts of financing among natural persons, legal persons and unincorporated organizations. | | “本规定所称的民间借贷，是指自然人、法人和非法人组织之间进行资金融通的行为。 |
| These Provisions shall not apply to disputes arising from the granting of loans and other relevant financial services among financial institutions formed with the approval of financial regulatory authorities to provide loan services and their branch offices.” | | 经金融监管部门批准设立的从事贷款业务的金融机构及其分支机构，因发放贷款等相关金融业务引发的纠纷，不适用本规定。” |
| 2. Article 2 is amended to read: | | 二、将第二条修改为： |
| “A lender filing a lawsuit on private lending with the people's court shall provide the proof of obligations such as the certificate of indebtedness, receipt and IOU, and other evidence that can prove the existence of the loan relationship. | | “出借人向人民法院提起民间借贷诉讼时，应当提供借据、收据、欠条等债权凭证以及其他能够证明借贷法律关系存在的证据。 |
| Where the creditor is not stated in the proof of obligations such as the certificate of indebtedness, receipt and IOU held by a party, and the party holding the proof of obligations files a lawsuit on private lending, the people's court shall accept the lawsuit. If the defendant makes a defense against the plaintiff's creditor qualification based on facts, and the people's court deems upon examination that the plaintiff is unqualified as the creditor, it shall render a ruling to dismiss the lawsuit.” | | 当事人持有的借据、收据、欠条等债权凭证没有载明债权人，持有债权凭证的当事人提起民间借贷诉讼的，人民法院应予受理。被告对原告的债权人资格提出有事实依据的抗辩，人民法院经审查认为原告不具有债权人资格的，裁定驳回起诉。” |
| 3. Article 3 is amended to read: | | 三、将第三条修改为： |
| “Where the creditor and the debtor fail to agree on or clearly agree on the place of performance in a contract, and fail to reach a supplementary agreement afterwards, and the place cannot be determined according to relevant clauses of the contract or trading practices, the place where the recipient of money is located shall be the place where the contract is performed.” | | “借贷双方就合同履行地未约定或者约定不明确，事后未达成补充协议，按照合同相关条款或者交易习惯仍不能确定的，以接受货币一方所在地为合同履行地。” |
| 4. Article 5 is amended to read: | | 四、将第五条修改为： |
| “Where the people's court finds after docketing a case that the act of private lending is suspected of the crime of illegal fundraising or any other crime, it shall render a ruling to dismiss the lawsuit, and transfer the clues to and materials on the suspected crime of illegal fundraising or any other crime to the public security authority or procuratorial authority. | | “人民法院立案后，发现民间借贷行为本身涉嫌非法集资等犯罪的，应当裁定驳回起诉，并将涉嫌非法集资等犯罪的线索、材料移送公安或者检察机关。 |
| Where the public security authority or procuratorial authority decides not to docket the case, or dismisses the case after opening an official investigation into the case, or the procuratorial authority decides not to initiate prosecution, or the people's court determines through a valid judgment that the act does not constitute the crime of illegal fundraising or any other crime, if a party files a lawsuit with the people's court based on the same facts once again, the people's court shall accept the lawsuit.” | | 公安或者检察机关不予立案，或者立案侦查后撤销案件，或者检察机关作出不起诉决定，或者经人民法院生效判决认定不构成非法集资等犯罪，当事人又以同一事实向人民法院提起诉讼的，人民法院应予受理。” |
| 5. Article 7 is amended to read: | | 五、将第七条修改为： |
| “Where the basic facts of a case on disputes over private lending shall be based on the result of trial of a criminal case, and the trial of such a criminal case has not been concluded, the people's court shall render a ruling to suspend the legal proceedings.” | | “民间借贷纠纷的基本案件事实必须以刑事案件的审理结果为依据，而该刑事案件尚未审结的，人民法院应当裁定中止诉讼。” |
| 6. Article 9 is amended to read: | | 六、将第九条修改为： |
| “A loan contract between natural persons may be deemed as formed under any of the following circumstances: | | “自然人之间的借款合同具有下列情形之一的，可以视为合同成立： |
| (1) The borrower receives the loan if payment is made in cash. | | （一）以现金支付的，自借款人收到借款时； |
| (2) The funds are transferred to the borrower's account, if payment is made by bank transfer, online electronic remittance, or any other form. | | （二）以银行转账、网上电子汇款等形式支付的，自资金到达借款人账户时； |
| (3) The borrower obtains the right on negotiable instruments in accordance with the law, if payment is made by negotiable instruments delivered. | | （三）以票据交付的，自借款人依法取得票据权利时； |
| (4) The borrower obtains the right to actually dispose of the specific cash account if the lender authorizes the borrower to dispose of the account. | | （四）出借人将特定资金账户支配权授权给借款人的，自借款人取得对该账户实际支配权时； |
| (5) The lender provides the loan in any other form agreed upon with the borrower and completes the actual performance.” | | （五）出借人以与借款人约定的其他方式提供借款并实际履行完成时。” |
| 7. Article 11 is amended to read: | | 七、将第十一条修改为： |
| “Where a party claims the validity of a private lending contract concluded between legal persons or unincorporated organizations or between a legal person and an incorporated organization as required for production or distribution, except under any of the circumstances set forth in Article 52 of the Contract Law of the People's Republic of China and Article 14 of these Provisions, the people's court shall support such a claim.” | | “法人之间、非法人组织之间以及它们相互之间为生产、经营需要订立的民间借贷合同，除存在《中华人民共和国合同法》第五十二条以及本规定第十四条规定的情形外，当事人主张民间借贷合同有效的，人民法院应予支持。” |
| 8. Article 12 is amended to read: | | 八、将第十二条修改为： |
| “Where a legal person or an unincorporated organization raises funds internally from its employees in the form of loan for its production or distribution, and does not fall under any of the circumstances set forth in Article 52 of the Contract Law of the People's Republic of China and Article 14 of these Provisions, if the party claims the validity of the private lending contract, the people's court shall support such a claim.” | | “法人或者非法人组织在本单位内部通过借款形式向职工筹集资金，用于本单位生产、经营，且不存在《中华人民共和国合同法》第五十二条以及本规定第十四条规定的情形，当事人主张民间借贷合同有效的，人民法院应予支持。” |
| 9. Article 13 is amended to read: | | 九、将第十三条修改为： |
| “Where the borrower's act of borrowing or the lender's act of lending is suspected of any crime or is determined as constituting a crime based on a valid judgment, if the party files a civil lawsuit, the private lending contract is not naturally null and void. The people's court shall determine the validity of a private lending contract in accordance with Article 52 of the Contract Law of the People's Republic of China and Article 14 of these Provisions. | | ．．．．．． |
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