【要点提示】在民间借贷纠纷中,高利贷行为具有双方约定的利率不在借条中记载、贷款人在交付本金时扣除利息、贷款人将借款人尚未还清的本息合计重新出具借条等特征。一旦发生诉讼,借款人以高利贷为由进行的抗辩,通常没有直接证据予以证明,故法官应加强对间接证据的审查,综 [Points to note] In private lending disputes, the usury behavior with interest rates agreed upon by both parties is not recorded in the IOUs. The lender deducts the interest when the principal is delivered. The lender will re-issue IOUs with the principal and interest that have not yet been repaid by the borrower. In the event of a lawsuit, the defense of the borrower on the grounds of loan-sharking usually does not have direct evidence to prove it, so the judge should strengthen the examination of indirect evidence.