幸运28官网

当前位置: 法学思想 -> 法学论坛

民间借贷合同纠纷中的疑难问题研究(2018.3)

  发布时间: 2019-04-30 08:49:40


    lunwentiyao: minjianjiedaishishehuirongzidezhongyaoshouduanzhiyi,zaishichangjingjiderenhelishishiqidoushibirancunzaide,juyouwanqiangdeshengmingli,buhuiyinweirenweidejinzhierxiaoshengniji。suiranxuejieduiminjianjiedaijinxinglebutongjiaodudeyanjiu,danshizi2015nian9yue1riqishixingde《zuigaorenminfayuanguanyushenliminjianjiedaianjianshiyongfalvruoganwentideguiding》(yixiajiancheng《minjianjiedaiguiding》)guidinglehenduoxindediaozhengminjianjiedaifalvguanxidefalvshiyongguize,tichulejiejuejiufendexinchidu,tebiezhideyanjiu。《minjianjiedaiguiding》yiquanmianbaohuzhaiquanren、zhaiwurendehefaquanyi,baohuqiyezhijiandejiedaihuodong,quedinghelidejiedaililvzhengceweijibentedian。suizhe《minjianjiedaiguiding》dechutai,duiminjianjiedaiguanxifalvdiaozhengdeyanjiujinrulexinshiqi。

幸运28官网    bizhezaiwenzhangdezhuyaochuangxinguandianbufenduibenlunwenzhuyaoyanjiudeneirongzuolegaishu,guinalebenlunwenzhuyaoyanjiudeneirong。zaiwenzhangdediyibufenfenxileminjianjiedaizaixingyun28guanwangguojingjifazhanzhongdezhongyaoxingyijishenlihaominjianjiedaianjiandebiyaoxing。wenzhangzhongdiyixiangjieshaodeshiminjianjiedaijiufenanjiansusongzhutidequeding,chulechujierenhejiekuanrenwaihaiduiyibanbaozhengrenheliandaibaozhengren,fuqijiedai,wangluodaikuanpingtaizuoweidanbaorenyijiqiyefadingdaibiaorenhuozhefuzerenzaiminjianjiedaisusongzhongdezhutidiweijinxinglunshu。wenzhangdedierxiangzhongjieshaodeshisusongshixiaodewenti,duiyibansusongshixiaoheteshususongshixiaoyijiwuqixianjiedaihetongdeshixiaowentijinxinglechanshu。wenzhangdedisanxiangzhongjieshaodeshiminjianjiedaihetongdejuzhengzeren,fenbieduichujierenjuzhengzerenfenpeihezhaiwurendejuzhengzerenfenpeijinxinglelunshu。wenzhangdedisixiangzhongjieshaodeshiminjianjiedaihetongdexiaolirending,jieheminjianjiedaiguidingduiziranrenzhijiandejiedaihetonghechuziranrenzhijianjiedaihetongwaiminjianjiedaihetongshengxiaodeshijian、xiaoliyijiwuxiaodeqingxingjinxingleshuoming。wenzhangdediwuxiangzhongjieshaodeshiminjianjiedaililvdejisuan,duiliangxiansanqu、yuqililv、weiyuejin、fulijinxinglexiangxishuoming。

    quanwengong7402zi。

    zhuyaochuangxinguandian: minjianjiedaishizhiziranren、faren、qitazuzhizhijianjiqixianghuzhijianjinxingzijinrongtongdexingwei。zaiwenzhangdediyibufenfenxileminjianjiedaizaixingyun28guanwangguojingjifazhanzhongdezhongyaoxingyijishenlihaominjianjiedaianjiandebiyaoxing。wenzhangzhongdiyixiangjieshaodeshiminjianjiedaijiufenanjiansusongzhutidequeding,chulechujierenhejiekuanrenwaihaiduiyibanbaozhengrenheliandaibaozhengren,fuqijiedai,wangluodaikuanpingtaizuoweidanbaorenyijiqiyefadingdaibiaorenhuozhefuzerenzaiminjianjiedaisusongzhongdezhutidiweijinxinglunshu。wenzhangdedierxiangzhongjieshaodeshisusongshixiaodewenti,duiyibansusongshixiaoheteshususongshixiaoyijiwuqixianjiedaihetongdeshixiaowentijinxinglechanshu。wenzhangdedisanxiangzhongjieshaodeshiminjianjiedaihetongdejuzhengzeren,fenbieduichujierenjuzhengzerenfenpeihezhaiwurendejuzhengzerenfenpeijinxinglelunshu。wenzhangdedisixiangzhongjieshaodeshiminjianjiedaihetongdexiaolirending,jieheminjianjiedaiguidingduiziranrenzhijiandejiedaihetonghechuziranrenzhijianjiedaihetongwaiminjianjiedaihetongshengxiaodeshijian、xiaoliyijiwuxiaodeqingxingjinxingleshuoming。wenzhangdediwuxiangzhongjieshaodeshiminjianjiedaililvdejisuan,duiliangxiansanqu、yuqililv、weiyuejin、fulijinxinglexiangxishuoming。

    yixiazhengwen:

幸运28官网    minjianjiedaishiyizhongzifaxingdeminjianrongzixingwei,duiyujihuominjianziben、gaishanminjianzibenliuzhuan、cujindifangjingjifazhanqidaoleyidingdejijizuoyong。suizheshichangjingjitebieshiminyingqiyedegaosufazhan,ziranrenshourudafupansheng,minjianzibenxunsujilei,zijinshuliangbuduankuoda,daliangzhongxiaoqiyerongzixuqiutongguojinrongjigoudebudaomanzu,daozhiminjianjiedaishichangkongqianhuoyue,youciyinfaminjianjiedaijiufenanjianshuliangriyishangzhang。shenlihaominjianjiedaianjian,guanxidaozhongxiaoqiyedeshengcunhefazhan,yeguanxidaoquanshehuidehexiewending。weizhengqueshenliminjianjiedaijiufenanjian,2015nian6yue23rizuigaorenminfayuanshenpanweiyuanhuidi1655cihuiyitongguole《zuigaorenminfayuanguanyushenliminjianjiedaianjianshiyongfalvruoganwentideguiding》(yixiajiancheng《minjianjiedaiguiding》),tongguorenzhenxuexijieheduoniandebananshijiantantanxuexixindehetihui。

    yi、guanyuminjianjiedaijiufenanjiansusongzhutidequeding

幸运28官网    minjianjiedaishizhiziranren、faren、qitazuzhizhijianjiqixianghuzhijianjinxingzijinrongtongdexingwei。jingjinrongjianguanbumenpizhunshelidecongshidaikuanyewudejinrongjigoujiqifenzhijigou,yinfafangdaikuandengxiangguanjinrongyewuyinfadejiufen,bushiyong《minjianjiedaiguiding》。

幸运28官网    1、jiejuzhongmingquedechujierenweizhaiquanren,meiyoumingquechujierende,chiyoujiejudengzhaiquanpingzhengdedangshirentuidingweizhaiquanren,juyouyuangaozhutizige,beigaoduiyuangaozhutizigetichuyiyibingtigongzhengjuzuyizhengmingzhaiquanpingzhengdechiyourenbingfeizhaiquanrenhuozhezhaiquanshourangrende,keyicaidingbohuiqisu。jiejushangshumingdejiekuanrentuidingweizhaiwuren,juyoubeigaozhutizige。

幸运28官网    2、minjianjiedaidebaozhengrenyeshizheileianjiandezhuti。zaisusongzhong,yingdangduibaozhengrendesusongdiweiyuyizhunquerending。duiyubaozhengren,wulunshiliandaizerenbaozhenghaishiyibanbaozheng,yingdangyizhaodaikuanrendezhuzhangquedingshifouweibeigao,jiqisubaozhengrende,jiulieweibeigao;buqisubaozhengren,shidaikuanrendesusongquanli,meiyoubiyaozhuijiabaozhengrenweibeigao。《minjianjiedaiguiding》disitiaojiujutiqingxingzuochuleguiding。(1)、baozhengrenweijiekuanrentigongliandaizerenbaozheng,chujierenjinqisujiekuanrende,renminfayuankeyibuzhuijiabaozhengrenweigongtongbeigao;chujierenjinqisubaozhengrende,renminfayuankeyizhuijiajiekuanrenweigongtongbeigao。zheilishiyongdeshiliangge“keyi”,doubushi“yingdang”,yinerdoujifaguanyiziyoucailiangdekongjian,keyigenjujutiqingkuangqueding。douzhuijiazuoweigongtongbeigaodehaochushi,keyiyibingquedingliandaizeren,youjiekuanrenhebaozhengrenzhijieliandaichengdanqingchangzhaiwu。(2)、baozhengrenweijiekuanrentigongyibanbaozheng,chujierenjinqisubaozhengrende,renminfayuanyingdangzhuijiajiekuanrenweigongtongbeigao;chujierenjinqisujiekuanrende,renminfayuankeyibuzhuijiabaozhengrenweigongtongbeigao。qianzheshiyingdangzhuijia,yinweiyibanbaozhengdebaozhengrenxiangyouxiansukangbianquan,ruguozhaiwurenmeiyouqiongjinzijidenengliqingchangzhaiwu,baozhengrenkeyijujuechengdanbaozhengzeren,yinerbixuyujiekuanrengongtongcanjiasusong。houzheyinweibaozhengrenshiyibanbaozheng,keyibuzhuijiaweigongtongbeigao,danshizhuijialeyemeiyouwenti。

    3、duiyufuqijiedaizhaiwujiufenanjian,ruzaifuqiguanxicunxuqijian,yifuqiyifangmingyixiangtarenjiedai,zhaiquanrenweijiangpeioulieweigongtongbeigaode,renminfayuanyingdangtongzhizhaiwurenpeioucanjiasusong,yiliyuchaminganjianshishi。jiedaixingweifashengyuhunyincunxuqijian,susongshiyijinglihunde,yuangaokeyishenqingzhuijiaqiyuanpeiouweigongtongbeigao。hunyincunxuqijian,fuqiyifangyigerenmingyijiedaiyongyujiatingrichangshenghuode,yingrendingweifuqigongtongzhaiwu,chaochurichangshenghuoxuyaofanweide,rendingweigerenzhaiwu,danzhaiquanrennenggouzhengmingfuzhaisuodedecaichanzhuyaoyongyujiatinggongtongshenghuo、jingyingsuoxuyijifuqilingyifangshihouduizhaiwuyuyizhuirendechuwai。

幸运28官网    4、wangluodaikuanpingtaizuoweidanbaorenshitebiexinyingdeguiding。fenjujianxingwangluopingtaihedanbaoxingwangluopingtai,jiedaishuangfangtongguowangluodaikuanpingtaixingchengjiedaiguanxi,wangluodaikuanpingtaidetigongzhejintigongmeijiexingyun28guanwang,shuyujujianxingwangluopingtai,dangshirenqingqiuqichengdandanbaozerende,renminfayuanbuyuzhichi。wangluodaikuanpingtaidetigongzhetongguowangye、guanggaohuozheqitameijiemingshihuozheyouqitazhengjuzhengmingqiweijiedaitigongdanbao,shuyudanbaoxingwangluopingtai,chujierenqingqiuwangluodaikuanpingtaidetigongzhechengdandanbaozerende,renminfayuanyingyuzhichi。zhiyuchengdandedanbaoxingshi,yingdangshiwangluopingtaitigongzhechengnuohuozhezhengmingdeqingxinglaiqueding,tongchangdexingshishibaozheng,dantigongyoutedingdewudedanbaode,genjuxingzhiquedingweidiya、zhiyahuozheliuzhi,yijiqitafeidanbaowuquan。

    5、qiyedefadingdaibiaorenhuozhefuzerenzaiminjianjiedaiguanxizhongzuoweidangshirendeguiding。(1)、qiyefadingdaibiaorenhuozhefuzerenyiqiyedemingyiyuchujierenqiandingminjianjiedaihetong,yingdangyouqiyechengdanzeren。(2)、qiyefadingdaibiaorenhuozhefuzerenyiqiyemingyiyuchujierenqiandingminjianjiedaihetong,chujierenqiyehuozheqigudongnenggouzhengmingsuojiekuanxiangyongyuqiyefadingdaibiaorenhuozhefuzerengerenshiyong,chujierenyouquanqingqiujiangqiyefadingdaibiaorenhuozhefuzerenlieweigongtongbeigaohuozhedisanren。(3)、qiyefadingdaibiaorenhuozhefuzerenyigerenmingyiyuchujierenqiandingminjianjiedaihetong,suojiekuanxiangyongyuqiyeshengchanjingying,chujierenyouquanqingqiuqiyeyugerengongtongchengdanzeren。(4)、qiyefadingdaibiaorenhuozhefuzerenyigerenmingyiyuchujierenqiandingminjianjiedaihetong,suojiekuanxiangyongyugerenyongtude,yingdangyougaigerenchengdanhaikuanzeren。

幸运28官网    er、guanyuminjianjiedaihetongdesusongshixiaoderending

    susongshixiaozhidu,shizhiyidingdeshishizhuangtaijingguoyidingdeshijiandaozhiyidingdefalvhouguodefalvzhidu。shixiaoshidaozhiminshifalvguanxifasheng、biangenghexiaomiedefalvshishi,youyushijianjingguobuqujueyudangshirendeyizhi,shixiaoshuyufalvshishizhongdeshijian。xingyun28guanwangguo《minfatongze》quelileliangzhongsusongshixiaozhidu,jiyibansusongshixiaozhiduheteshususongshixiaozhidu。yibansusongshixiaozhiduweiliangnian。teshudeduanqisusongshixiaoweiyinian,zhangqisusongshixiaoweiershinian。minjianjiedaijiufenyibanshiyongliangniandeshixiaozhidu,dangjiedaihetongqixianjiemanzhiciriqiliangnianneiweiyouxiaodesusongshixiaoqijian。danshi,bingfeiminjianjiedaianjianjiubushiyongteshudesusongshixiaoqijian。shijianzhong,wuhaikuanqixiandejiedaihetongdaliangcunzai,zheixiejiufendesusongshixiaoruguofuhe《minfatongze》diyibaisanshiqitiaoguidingdeyaoqiude,keshiyongershiniandeteshususongshixiao,erfeiliangniandeshixiao,fouzejiangbuliyubaohuzhaiquanrendeliyi,yeweibeiledangshirendingyueshidemude,youweigongpingyuanze。ruguowuqixianjiedaihetongchaoguoleershiniandesusongshixiaotiqisusongde,zesangshishengsuquan。minjianjiedaisusongshixiaofenwujiedaiqixianhetongheyouqixianjiedaihetongliangzhongqingxing。youchanghaiqixiande,jiekuandaoqihou,jiekuanrenmeiyoufanhaijiekuan,daikuanrenmingzhizhaiquanyidaoqierzhaiwurenweinengchanghaiqiankuan,quanlizaoshouqinhaierbuzhuisuode,shiyongyibansusongshixiaozhidu。jimingzhiquanlibeiqinhaizhiriqiliangnianneibuzhuzhang,yingrendingchaoguosusongshixiao。wuqixiandeminjianjiedai,tongchangyidaikuanrenzhidaozhaiquanbeiqinhaizhiriqijisuanliangniandesusongshixiao。chaoguosusongshixiao,yuanzhaiwuchengweiziranzhaiwu,bujuyouqiangzhizhixingli。dangran,minjianjiedaijiufenbenshensuojuyoudetedian,daozhixuduominjianjiedaianjianyinshixiaowentifashengzhengyi,duiminjianjiedaijiufensusongshixiaodeshiyongyuanze,yingdangjianchizuoyouliyuzhaiquanrenliyijieshideyuanze。minjianjiedaijiufenzhongchangchangcunzaizhaiwurenzaijiekuanyiguoshixiaohou,jingguozhaiquanrenzhuisuo,zhaiwurentongguoshumiandeqianzidengxingshizhongxinrenkedeqingkuang,duici,yeyingdangrendingweizhaiwurenduisusongshixiaoliyideziyuanfangqi,cishizhaiquanrenqisuzhaiwurenjiujubeishengsuquan。zaifenqilvxingjiedaihetongzhong,fenqichanghaizhaiwushijiekuanhetonglvxingdeyizhongzhongyaofangshi,zaidangshirenyuedingfenqilvxinghetongzhaiwudeqingkuangxia,yinsusongshixiaozhiduyidangshirenzhidaohuoyingdangzhidaoquanlibeiqinhaizhiriqijisuan,yinci,fenqilvxingjiedaijiufenzhongdesusongshixiaoyingdangcongzuihouyiqizhaiwulvxingqijiemanzhicirikaishijisuan。

幸运28官网    san、guanyuminjianjiedaihetongdejuzhengzeren

幸运28官网    1、chujierendejuzhengzerenfenpei。minjianjiedaifashengjiufenhou,shouxianyingdangquedingjiekuanguanxishifouchengliyijijiekuanhetongshifouyouxiao。meiyoushumianhetongde,dangshirenduishifoucunzaijiedaiguanxifashengzhengyishi,zhuzhangcunzaijiedaiguanxideyifangdangshirenfuyoujuzhengzhengmingzeren。nenggouzhengmingjiedaiguanxicunzaide,anzhaominjianjiedaianjianjinxingshenli。genju《zhengjuguiding》diwutiaoguiding: “zaihetongjiufenanjianzhong,zhuzhanghetongguanxichenglibingshengxiaodeyifangdangshirenduihetongdingliheshengxiaodeshishichengdanjuzhengzeren;zhuzhanghetongguanxibiangeng、jiechu、zhongzhi、chexiaodeyifangdangshirenduiyinqihetongguanxibiandongdeshishichengdanjuzhengzeren。duihetongshifoulvxingfashengzhengyide,youfuyoulvxingyiwudedangshirenchengdanjuzhengzeren。”zaijiedaijiufenanjianzhong,yuangaozuoweizhaiquanrenxingshizhaiquanqingqiuquan,shouxianyinggaizhuzhangqiqingqiuquanchenglibingyijingjieqi,weiciqiyinggaixiangfayuantigongqiquanlifashengbingyijingjieqidefalvshishichenglidezhengju。youyujiekuanhetongshuangfangdangshirendeyiwulvxingyouxianhoushunxu,zhaiquanrenzhuzhanghetongquanlidefasheng,qiyinggaiweilianggeyaojianshishidechenglifujuzhengzeren;yigeshihetongdechengliheshengxiao,yigeshiqiyijinglvxinglehetongdeyiwu。zhenduizheilianggeyaojianshishidezhengju,yuangaoyaochengdanzhaiquanzhaiwuguanxicunzaidejuzhengzeren。yibanjiushijiekuanhetong、jieju、zhangboyijiqitanenggouzhengmingshuangfangcunzaizhaiquanzhaiwuguanxidezhengju。zhiyaozhaiquanrentigonglezheiliangfenzhengju,qijuzhengzerenjijibenwancheng,qiyudeyinggaishizhaiwurendekangbianwenti。zaiminjianjiedaianjianzhong,daikuanrenhejiekuanrenyihetongshuxingshicunzaideminjianjiedaihetonghenshaocunzai,erjiejushiminjianjiedaianjianzuichangjiandesusongzhengju。jiejushijishangjiushijiedaixieyi,jinenggouzhengminganjianzhenshiqingkuang,younenggoufanyingzhaiquanzhaiwuguanxidecunzai。zhiyaonenggouzhengminganjianzhenshiqingkuang,fanyingzhaiquanzhaiwuguanxidecunzaijike,youxiejiejusuiranjizaineirongbuwanzheng,danjiedaidezhutiheshueshimingquede,jibenshishinenggouzhengmingjikechengweisusongzhengju。

    2、zhaiwurendejuzhengzerenfenpei。zhenduizhaiquanrendesuqing,zhaiwurendekangbiankenengduozhongduoyang,danzhuyaobiaoxianzaiyixiajifangmian: diyi,zhaiwurenzhenduizhaiquanrentigongzhengjubenshendehefaxing、keguanxingtichukangbian,cishizhaiwurenyingdangtigongzhenduizhaiquanrensuotijiaodezhengjudefanbozhengju;dier,zhaiwurenkeyizhuzhangzhaiquanrendequanlishoudaofanghai,huozheshoudaozhiyue,huozheyijingxiaomie,qiyinggaijiuquanlifanghaifalvyaojian、huozhequanlizhiyuefalvyaojian、huozhequanlixiaomiedefalvyaojianfujuzhengzeren;disan,zhaiwurenzhenduizhaiquanrentichudeshuangfangcunzaizhaiquanzhaiwuguanxidefanzheng,zhengmingzhaiquanrensuozhuzhangdeshishibingbucunzai。ruguozhaiwurenyoushangshuzhongleidezhuzhang,zhaiquanrenzekeyizhenduishangshuzhuzhangjixutigongzhengju,yizhichizijidezhuzhangchengli。ruguozhaiwurenmeiyoushangshuzhuzhang,zezhaiquanrenbuchengdanjuzhengzeren。

    si、guanyuminjianjiedaihetongdexiaolirending

    1、ziranrenzhijianjiedaihetongshengxiaoshijianhechuziranrenzhijianjiedaihetongwaiminjianjiedaihetongshengxiaoshijian。ziranrenzhijianjiedaihetongdeshengxiaoyaojian: (1)yixianjinzhifude,zijiekuanrenshoudaojiekuandeshijian,jiushidaikuanrentigongdaikuandeshijian,jiekuanhetongshengxiao;(2)yiyinxingzhuanzhang、wangshangdianzihuikuanhuozhetongguowangluodaikuanpingtaidengxingshizhifude,zizijindaodajiekuanrenzhanghudeshijian,shidaikuanrentigongdaikuandeshijian,hetongshengxiao;(3)yipiaojujiaofude,zijiekuanrenyifaqudepiaojuquanlideshijian,weidaikuanrentigongdaikuandeshijian,hetongshengxiao;(4)chujierenjiangtedingzijinzhanghuzhipeiquanshouquanjijiekuanrende,zijiekuanrenqudeduigaizhanghushijizhipeiquandeshijian,shidaikuanrentigongdaikuandeshijian,hetongshengxiao;(5)chujierenyiyujiekuanrenyuedingdeqitafangshitigongjiekuanbingshijilvxingwanchengdeshijian,weidaikuanrentigongdaikuandeshijian,hetongshengxiao。

    chuziranrenzhijianjiedaihetongwaiminjianjiedaihetongshengxiaoshijian。chuziranrenzhijiandejiekuanhetongwai,dangshirenzhuzhangminjianjiedaihetongzihetongchenglishishengxiaode,renminfayuanyingyuzhichi,dandangshirenlingyouyuedinghuozhefalv、xingzhengfaguilingyouguidingdechuwai。zheitixianlelianggeguize: diyi,yuanzeshang,chuleziranrenzhijiandejiekuanhetongzhiwai,farenzhijian、qitazuzhizhijian,yijiziranrenyufaren、qitazuzhihuxiangzhijiandejiekuanhetong,doushinuochengxinghetong,yujinrongjigouhejiekuanrenzhijiandehetongxingzhixiangtong。dier,chuwaideqingxing,yishidangshirenlingyouyueding,jiyuedingweishijianxinghetongde,yingdangrendingweishijianxinghetong;huozhedangshirenyuedingdeshifutiaojianhuozhefuqixiandejiekuanhetong,zeyingdangshiyongfutiaojianhuozhefuqixiandefalvxingweiguize,quedingshengxiaoshijian。ershifalv、xingzhengfaguiguidingweishijianxinghetongde,yeyingdangrendingweishijianxinghetong,junyidaikuanrentigongjiekuandeshijianrendingweijiekuanhetongshengxiaoshijian。

    jiekuanhetongshuyushijianxinghetongde,dangshirendachengjiekuanhetongzhishi,hetongchenglidanweishengxiao,bucunzaiqiangzhilvxingwenti,jibudeqiangzhiyaoqiudaikuanrenlvxingzhifudaikuandeyiwu;jiekuanhetongshuyunuochengxinghetongde,dangshirenqiandingjiekuanhetongzhishijiufashenglehetongxiaoli,jiekuanrenyouquanqingqiudaikuanrenyizhaoyuedingzhifudaikuan。

    2、rendingjiekuanhetongyouxiaodetebieqingxing。farenzhijian、qitazuzhizhijianyijitamenxianghuzhijianweishengchan、jingyingxuyaodinglideminjianjiedaihetong,chucunzai《hetongfa》di52tiao、《minjianjiedaiguiding》di14tiaoguidingdeqingxingwai,yingdangrendinggaiminjianjiedaihetongweiyouxiao。farenzhijian、qitazuzhizhijianchaijiezijin,mudeweishengchan、jingyingxuyao,buweifan《hetongfa》di52tiaoguidingdehetongjueduiwuxiaodewuzhongqingxing,bingqieyebuweifan《minjianjiedaiguiding》di14tiaoguidingdeqingxingde,yingdangrendinghetongyouxiao。duiqiyezhijiandejiedairengranyousuoxianzhi,jiutixianzaiqiyejiedaihetongdeyouxiaoyaojianshang。yaojianshi: yi、chaijiezijindemudeshishengchan、jingyingxuyao,erfeiqitamude;er、shichaijiedeshiziyouzijin,yijixiangqitaqiyechaijiedezijin(bujinxingmouli)、xiangyinxingjiedaidezijin(buyituhuoqugaoli);sanshibuweifanfalv、sifajieshideqiangzhixingguiding。fuheshangshuyaojianyaoqiude,hetongyouxiao;bufuheshangshuyaojianyaoqiude,hetongwuxiao。

幸运28官网    farenhuozheqitazuzhizaibendanweineibutongguojiekuanxingshixiangzhigongchoujizijin,yongyubendanweishengchan、jingying,qiebucunzai《hetongfa》di52tiao、《minjianjiedaiguiding》di14tiaoguidingdeqingxing,yingdangrendingminjianjiedaihetongyouxiao,yizhao《hetongfa》he《minjianjiedaiguiding》deguidingyifayuyibaohu。

    jiekuanrenhuozhechujierendejiedaixingweishexianfanzui,huozheyijingshengxiaodepanjuerendinggouchengfanzui,dangshirentiqiminshisusongde,minjianjiedaihetongbingbudangranwuxiao。duici,yingdanggenju《hetongfa》di52tiao、《minjianjiedaiguiding》di14tiaodeguiding,rendingshexianhuozheshejixingshifanzuideminjianjiedaihetongdexiaoli。zheizhongjiekuanhetongzhiyaobuweifanshangshuguiding,jiubunengfourenqihetongxiaoli,duiyudangshirendehefaquanyijiuyingdangyuyibaohu。

    3、rendingminjianjiedaidejiekuanhetongwuxiaodeqingxing。(1)taoqujinrongjigouxindaizijinyougaolizhuandaijijiekuanren,qiejiekuanrenshixianzhidaohuozheyingdangzhidaodeminjianjiedaihetongwuxiao。zheiyiguidingdeyaodianshi,yiyinxingxindaizijinzhuandaijijiekuanren,ershizhuandaiyituhuoqugaoli,sanshijiekuanrenshixianzhidaohuozheyingdangzhidao。bujubeishangshuwuxiaoyaojianzhiyi,yegouchengyouxiaodejiekuanhetong。(2)yixiangqitaqiyejiedaihuozhexiangbendanweizhigongjiziqudedezijinyouzhuandaijijiekuanrenmouli,qiejiekuanrenshixianzhidaohuozheyingdangzhidaodeminjianjiedaihetongwuxiao。zheishiyixiangqitaqiyechaijiehuozhexiangbendanweizhigongjizisuodezijindefeifazhuandaixingwei,wuxiaodeyaojianwei: yishiyixiangqitaqiyechaijiehuozhexiangbendanweizhigongjizihuoqudezijinzuoweichujiekuan,ershizhuandaitarenmouli(zheibushigaoli,ershihuolijike),sanshijiekuanrenshixianzhidaohuozheyingdangzhidao。jubeishangshuyaojian,jiweifeifazhuandaixingwei;bujubeishangshuyaojianzhiyide,gouchengyouxiaodeminjianjiedaihetong。(3)chujierenshixianzhidaohuozheyingdangzhidaojiekuanrenjiekuanyongyuweifafanzuihuodongrengrantigongjiekuandeminjianjiedaihetong。chujierenshixianzhidaohuozheyingdangzhidaojiekuanrenjiekuanyongyuweifafanzuihuodong,querengranweiqijiekuan,xiangdangyuweiweifafanzuihuodongtigongzijin,dangranshuyuwuxiaohetong。(4)weibeishehuigongxuliangsudeminjianjiedaihetongwuxiao。jiekuanhetongweibeigonggongzhixuhuozheshanliangfengsu,dangranshuyuwuxiaojiekuanhetong。lirutongjianshuangfangjiutongjianbaochoudachengde“jiekuanxieyi”huozhechuju“jieju”、“jietiao”deng,jiushiweibeigongxuliangsudejiekuanhetong,dangranwuxiao。(5)qitaweifanfalv、xingzhengfaguixiaolixingqiangzhixingguidingdeminjianjiedaihetongwuxiao。duici,yingdangyizhaofalv、xingzhengfaguidexiaolixingguidingrending。

    wu、guanyuminjianjiedaililvdejisuan

幸运28官网    1、guanyuliangxiansanqu。liangtiaoxianshi24%he36%;yongzheiliangtiaoxianhuachusangequ,yishihefazhaiwuqu,ershiziranzhaiwuqu,sanshiweifazhaiwuqu。zuiweizhunquedebiaoshuyingdangshi: jiangxingyun28guanwangguominjianjiedaidelixizhizhaifenweisanzhongxingtai: yishizuigaolilvxianewei24%(jierfenli),zaigaixianezhixia(baokuobenshu)de,weihefalixizhizhai,falvyifayuyibaohu;ershichaoguo24%danweichaoguo36%(jisanfenli)lilvzhijiandelixizhizhai,weiziranlixizhizhai,zhaiwurenyuyiqingchangde,falvbuyuzhizhi,zhaiquanrenqingqiuqiangzhilvxingde,falvyuyibaohu;sanshiweifadelixizhizhai,jichaoguo36%deneibufenlixi,jiushiweifadelixizhizhai,bujinbuyubaohu,erqiezhaiwurenyijingshijizhifuleweifalixizhizhaide,youquanqingqiuhuisuo,falvyuyibaohu,zhichifanhaifeifalixizhizhaideqingqiuquan。yong24%he36%lianggebiaozhun,huaqinglehefadelixizhizhai,zirandelixiyijiweifadelixizhizhaidejiexian。

    2、guanyuyuqililvyuweiyuejin。duiyuminjianjiedaideyuqililv,《minjianjiedaiguiding》di29tiaoguidingdeguizeshi,jiedaishuangfangduiyuqililvyouyuedingde,congqiyueding,danyibuchaoguonianlilv24%weixian。zheijiushiyuedingyuqililvyouxian,danshishouzuigaolilvxiane24%dexianzhi。duiyuweiyuedingyuqililvhuozheyuqililvyuedingbumingdeminjianjiedaihetong,renminfayuankeyiqufenyixialiangzhongqingkuangchuli: (1)jiweiyuedingjiekuanneidelilv,yeweiyuedingyuqililv,chujierenzhuzhangjiekuanrenziyuqihaikuanzhiriqianzhaonianlilv6%zhifuzijinzhanyongqijianlixide,renminfayuanyuyizhichi。(2)yuedinglejieqineidelilvdanweiyuedingyuqililv,chujierenzhuzhangjiekuanrenziyuqihaikuanzhiriqianzhaojieqineidelilvzhifuzijinzhanyongqijiandelixide,renminfayuanyingyuzhichi。

幸运28官网    duiyuyuqililvyuweiyuejindejinghewenti,《minjianjiedaiguiding》di30tiaoguidingdeguizeshi,jiedaishuangfangduiyuqihaikuandezeren,jiyuedingleyuqililv,youyuedingleweiyuejinhuozheqitafeiyong,gouchengweiyuejinyuyuqilixidejinghe,daikuanrenjikeyixuanzezhuzhangyuqililvhuozhexuanzeweiyuejinhuozheqitafeiyong,yekeyiyibingzhuzhangyuqilixiheweiyuejinhuozheqitafeiyong,danwulunruhe,douyizuigaolilvxianeweizhun,zongjiyibuchaoguo24%dezuigaolilvxiane。chaochudebufen,falvbuyubaohu。ruguojiedaishuangfangdanduyuedingweiyuejinermeiyouyuedingyuqililv,《minjianjiedaiguiding》meiyouguiding,yizhaofali,yingdangyifazhichidaikuanrendeweiyuezerenzhuzhang,danduiweiyuejinanzhaoyuedingjinxingzhesuan,chaoguo24%de,yeweifanzuigaolilvxianedeyaoqiu,duiyuchaochudebufenbuyubaohu。

    3、guanyuwulixiyuedingyulixiyuedingbuming。duimeiyoulixiyuedingde,jiushiwuchangjiedai,chujierenzhuzhangyingdangzhifulixide,fayuanbuyuzhichi。duiyulixiyuedingbuming,ziranrenzhijianjiedaiduilixiyuedingbuming,chujierenzhuzhangzhifulixide,fayuanbuyuzhichi。chuziranrenzhijianjiedaidewai,jiedaishuangfangduijiedailixiyuedingbuming,chujierenzhuzhanglixide,fayuanyingdangjieheminjianjiedaihetongdeneirong,binggenjudangdihuozhedangshirendejiaoyifangshi、jiaoyixiguan、shichanglilvdengyinsuquedinglixi,zuigaobunengchaoguozuigaolilvxianeji24%dexiandu。

    4、guanyubenjin、lixijifuli。rendingbenjinyingdangyijietiao、qiantiaodengjiedaipingzhengzaimingdejiekuanjineweizhun,fanshijietiao、jieju、qiantiaoshangzaimingdejiekuanjine,yibanyingdangrendingweibenjinshue。lixiyuxiankouchude,benjinyingdanganzhaoshijichujiedejinerending。fulishijianglixigunrubenjin,zaishenglixi,jilixizhilixi,shiyizhonglixijisuanfangfa,zai《minjianjiedaiguiding》zhongdedaolebufenkending。ruguojingguoqianqijiesuan,liximeiyouchaoguozuigaolilvxianede,jianggailixigunruhouqibenjinjisuanlixi,shizhengdangde,zheizhongfuliyingdangbaohu;ruguoqianqijiesuandelixichaoguolezuigaolilvxiane24%,yijinggunruhouqibenjinde,chaochubufenyingdangkouchu,buzuoweibenjinjisuanlixi。ziyuanjifulixi,baokuomeiyouyuedinglixierziyuanzhifu,yijichaoguoyuedinglilvziyuanzhifulixihuozhezhifuweiyuejinde;ruguobuweifangongxuliangsu,busunhaidisanrendehefaquanyi,jiushizhengdangxingwei,duici,zaizhuzhangbudangdelieryaoqiufanhaide,weifanjinfanyanguize,buyingdangyuyizhichi。ruguojifudelixichaochule36%dezuigaolilvxianede,zeweiweifalixizhizhai,keyizhichiqifanhaichaochubufenlixidesusongqingqiu。

    zhushi:

幸运28官网    (1)、《lijieyuyunyong》,zhongguofazhichubanshe,2015nian9yuedi1ban;

幸运28官网    (2)、《minshicaipanbiaozhunguifan》,renminfayuanchubanshe,2006nian1yuedi1ban;

幸运28官网    (3)、《jicengfayuancaipanbiaozhunguifan》,renminfayuanchubanshe,2013nian7yuedi1ban。

zerenbianji: yanjiushi    

幸运28官网wenzhangchuchu: yuanshixianrenminfayuan    


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