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Legal Analysis: How to Prove Financial Lending Disputes

(1) Evidence to prove the qualifications of the parties.

1. If the party concerned is a natural person, it shall submit his identity card or household registration book and other identification materials. 2. If the party is a legal person or other organization, it shall submit a copy of the industrial and commercial business license issued by the industrial and commercial registration authority or the main registration materials such as the industrial and commercial registration list and the corporate registration certificate. 3. After the legal facts of litigation occur, if the name of the party changes, the registration materials for the change shall be submitted.

(2) Evidence to prove the establishment of loan contract relationship and related guarantee contract relationship.

1. Evidence of the establishment of loan contract relationship such as loan contract; 2. If the guarantee is provided by mortgage, the mortgage contract, the certificate of ownership of the mortgaged property and the certificate of registration of the mortgaged property shall be submitted; Where a guarantee is provided by way of guarantee, evidence such as a guarantee contract or a letter of guarantee shall be submitted; Where the guarantee is provided by pledge, the evidence of the delivery of the pledge contract, the pledged movable property or the pledge right certificate shall be submitted; If the property rights that should be registered according to law are pledged, the certificate of pledge registration shall also be submitted.

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 26 If the interest rate agreed by both borrowers and lenders does not exceed 24% per annum, the people's court shall support it. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. The people's court shall support the borrower's request to the lender to return the part of the interest paid that exceeds 36% per annum.