论买卖合同与民间借贷合同并存的效力

On the Coexistence of Sale and Purchase Contract and Private Loan Contract

近年来,随着国家对融资方式管制逐渐放开,开始鼓励民间资本直接融资,民间借贷融资比重大幅上升。同时,借贷合同中的当事人,为了合同交易安全,往往会为借款合同签订担保。由于近年来商品房屋价值上升以及其价值的稳定性,房屋商品便成为担保物的首选,因此在民间借贷合同中往往同时签订两份合同。2015年最高人民法院公布了《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》(以下简称《规定》),但该解释对于如何认定买卖合同效力;法院在裁判时,如何处理买卖合同,解决当事人之间的债务纠纷均未做出明确规定,司法实务中也存在争议,需要我们尽快厘清。借此,我们也对《全国法院民商事审判工作会议纪要》中的相关内容,作了探讨。

In recent years,with the gradual liberalization of state regulation of financing methods,private capital direct financing has been encouraged,and the proportion of private borrowing and financing has increased significantly.At the same time,the parties in the loan contract,for the safety of the contract transaction,will often sign a guarantee for the loan contract.Because of the rising value and the stability of the value of the commodity in recent years,the commodity of the house has become the first choice of the collateral,so it there are often two contracts in the private loan contract.In 2015,the Supreme People’s Court published the Provisions of the Supreme People's Court on Certain Questions of the Law Applicable to the Trial of Private Loan Cases(hereinafter referred to as the Provisions),but the explanations on how to determine the validity of the contract of sale and purchase,how to deal with the contract of sale and how to settle the debt dispute between the parties are not clearly stipulated,and there are disputes in judicial practice,which need to be clarified as soon as possible.In this way,we also discussed the relevant contents of the proceedings of the National Civil and Commercial Justice Conference.