民间借贷中涉借据相关事实认定问题研究
Study on the Factual Determination Issues Related to Promissory Notes in the Private Loan

民间借贷案件中，对事实的准确认定至关重要，同时也面临着不少挑战。当前，事实认定的相关法律法规尚不完善，法官面临着诸多事实认定难点。这些难点不仅包括原告提供证据的证明力大小、被告否认的构成，还涉及到胁迫事实存在性以及申请鉴定权的归属问题。为攻克难点，有必要结合对相关司法案例的深入分析，探讨并提出“经验法则”在民间借贷事实认定中的理论和实践方法，以为民事司法审判提供有价值的参考和指导。
The accurate determination of facts in private loan cases is crucial and also faces many challenges. At present, the relevant laws and regulations for the determination of facts are not yet perfect, and judges face many difficulties in the determination of facts. These difficulties include not only the plaintiff to provide evidence of the size of the evidence, the defendant denied the composition, but also involves the existence of coercion and the right to apply for appraisal of the attribution of the problem. In order to overcome the difficulties, it is necessary to combine the judicial practice of specific cases of in-depth analysis, to explore and put forward the “rule of thumb” in determining the facts of private loans in the theoretical and practical methods, in order to provide valuable reference and guidance for the civil judicial process.