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1、-摘要实和判决理由、结果入手，详细介绍了李某诉林某、储某民间借贷纠纷案。第二部分：总结案件争议焦点，并围绕案件的焦点进行法理分析,本文的争议的焦点有3个。第一，法定代表人出具借条时，该如何认定债务人；第二，本案的收款凭证的证据以及债权人主体的认定情况；第三，本案中储某是否承担保证责任问题，通过案件的焦点问题延伸至法理分析。第三部分：得出研究结论及建议。从案件焦点的分析和总结，得出应加快出台相关法律法规和颁布规范性文件来解决司法实践中遇到的问题，法院在审理案件时应注重法律效果和社会效果的统一的研究结论。关键词：民间借贷；借款主体；合同效力；保证责任ABSTRACTInrecentyears,
2、thefolklendingdisputestopresentanewroundofhigh-risksituation,accordingtoa2015supremepeople'scourtissuedtheworkoftheannualreportofthepeople'scourt(2014),accordingtodataincivilandcommercialcasesoffirstinstance,atotalof4375771casesofcontractdisputes,isup10.58%lastyear,,whichaccountsfor1653846casesofl
3、oancontractdisputes,rose16.47%.IstheareaofbasiccourtIV---万方数据---摘要cases,thecourtsatthegrass-rootslevelin2012,367casesofprivatelendingdisputes,roseto482in2013,roseto717in2014,theamountincreasedfrom2012in086millionto2013in123million,roseto203millionin2014,bothinnumberofcases,andtheamountshowedatrend
4、ofrisingsharply,thecomplexityofthecasesarealsoincreasinglyprominent,thedifficultyofthetrialandproperlyhandlethedisputealsoincreasesgradually,thepeople'scourtintheprocessofcaseofthechallengesfacingmoreandmore.BecauseIcannotunderstandthecourtindealingwithprivatelendingdisputesencountereddifficulties
5、,hencetoliLin,forpartyalawsuitChuChuanHongfolklendingdisputesasthebreakthroughpoint,thecaseafterthefirsttrial,thereviewoftrial,thesecondstage,takeslonger,andthetrialarecontroversial,hascertainrepresentativeness.Selectionofthecase,throughtheanalysisofthecaseofcontention,andinductiontoshowthecourtin
6、thedifficultiesencounteredintheprocessofsuchcases,andbyextensionoflegalknowledgeandthecourtsinhandlingsuchcasesshallbetherefereethinkingandability.Thispaperproceedswitharealcase,throughsummingupcontroversyandlegalanalysis,suggestideastosolvetheproblemoftheclass,andspreadtothegeneraltrialofothersim
7、ilarcases.Thisarticlemainlyexpoundsfromthreeaspects.Thefirstpart:introductiontocase.Fromthecaseintroduction,thedemandsoftheparties,defensereason---V万方数据---摘要andevidencesubmittedbythepartiesandcourtcognizanceoffac
