目 录摘 要....................................................................................................................IAbstract.....................................................................................................................II引 言...................................................................................................................11 民间借贷中让与担保制度的概述........................................................................31.1 民间借贷的概念...........................................................................................31.2 让与担保的概念...........................................................................................31.3 民间借贷与让与担保制度的关联...............................................................42 民间借贷中让与担保制度存在的问题................................................................62.1 民间借贷中让与担保制度的法律认定不清晰...........................................62.2 民间借贷中让与担保合同的效力司法认定不一.......................................73 民间借贷中让与担保合同的效力分析..............................................................113.1 让与担保合同应为合法有效.....................................................................113.2 让与担保合同无效理由之反驳.................................................................124 民间借贷中让与担保效力的解决......................................................................154.1 借鉴日本、德国的先进经验.....................................................................154.2 在实体上明确民间借贷中让与担保合同的效力.....................................165 认可让与担保合同效力在民间借贷中的积极意义..........................................18结 论.................................................................................................................20参考文献.................................................................................................................21致 谢....