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北京海淀法院:公证债权文书不予执行案件增幅明显
2017-08-25 05:46:11 中国青年网
此外,在民间借贷当中还多出现“阴阳合同”。在公证债权文书之外,当事人私下签订另一份合同,并实际履行,使公证债权文书沦为形式,并可能成为高利贷的工具。
北京海淀法院特别指出,不予执行公证债权文书背后往往涉及一些违法情况。
部分公证债权文书虽然约定的利率符合民间借贷利率最高不能超过年利率24%的法律规定,但在利息之外,又约定了高额违约金,实际收取的利息远远超过法定上限,违反了法律强制性规定。
北京海淀法院在案件审理过程中发现,在以自然人为主体签订的借款合同背后,存在所谓的“贷款公司”。“贷款公司”与借款人达成借款意向后,通过“贷款公司”的股东、合伙人或者职员,以个人名义向借款人提供借款。“贷款公司”实际从事着放贷工作,并往往通过“阴阳合同”等方式收取高额利息。
此外,还有以自然人形式出现的职业放贷人,他们手中持有大量资金,与不同的借款人签订大量借款合同以民间借贷的形态办理公证,但涉及的借贷金额数以千万计甚至过亿,远远超出了民间借贷的常态,可能扰乱金融贷款秩序。
海淀法院介绍,对公证债权文书赋予强制执行效力,是国家强制力在公证活动中的体现。伴随着社会经济的蓬勃发展,鉴于公证债权文书在节约诉讼时间、经济成本方面的优越性,公证债权文书强制执行制度展现了旺盛的生命力。这也对公证机构和法院执行部门提出了更新、更高的要求。
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