目前，在各级法院的审判实践中，都普遍重视了对债权人的保护。尤其是银行做为债权人的经济案件，银行胜诉的比率很高，银行因此滋生了一种优越感．认为欠债还钱是天经地义的事情，只要告到法院，债务人就得还钱。于是，在业务操作过程中往往忽视可能产生法律纠纷的环节，产生? At present, the protection of creditors is generally emphasized in the trial practice at all levels of courts. In particular, the bank as a creditor economic case, the bank won a high percentage of the bank so breed a sense of superiority. Believe that debt is a matter of course, as long as the court, the debtor have to pay back the money. As a result, in the course of business operations are often ignored may lead to legal disputes, resulting?