Legal Basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 19 When a people's court hears a private lending dispute case and finds the following situations, it shall strictly examine the facts such as the reason, time, place, source of funds, delivery method, flow of funds, relationship between borrowers and borrowers, economic situation, etc., and comprehensively judge whether it is a false civil lawsuit: (1) The lender obviously does not have the ability to lend; (2) The facts and reasons brought by the lender are obviously unreasonable; (3) The lender is unable to submit the creditor's rights certificate or the creditor's rights certificate submitted may be forged; (four) both parties have participated in private lending litigation for many times within a certain period of time; (5) One party or both parties refuse to appear in court to participate in the litigation without justifiable reasons, and the entrusted agent's statement of the loan facts is unclear or inconsistent; (six) the parties have no dispute about the occurrence of the loan fact or the defense is obviously unreasonable; (seven) the borrower's spouse or partner, other creditors outside the case raised factual objections; (8) Other parties to the dispute transfer property at a low price; (nine) the parties give up their rights improperly; (10) Other circumstances in which there may be false private lending litigation.