2. In the process of hearing disputes over private lending, the court will combine other evidence to determine whether there is a lending relationship for the "debit note" or "receipt" with defects in form. At the same time, for cash-paid loans, we can comprehensively judge whether there is a legal and true creditor-debtor relationship between the two parties according to the factors such as delivery voucher, payment ability, trading habits, loan amount, relationship between the parties and transaction details stated by the parties.

3. Legal basis: General Principles of Civil Law and About Implementation