EPISODE · Jun 15, 2026 · 23 MIN
注册会计师经济法 合同法35 借款合同四大底层规则
【本期主题】 拆解借款合同的完整知识脉络——所有权转移（货币占有即所有）、按约提款（未提款仍付息）、还款期限（随时返还+催告合理期限）、利息红线（禁止砍头息+按年支付），深度解析资金时间价值与机会成本的商业逻辑。【核心案例】 周三放款周五提款：周三起算利息；1亿借款扣下1000万利息：本金按9000万；2年期借款提前半年还：只付半年利息；改变资金用途炒期货：银行三大武器抽贷。
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注册会计师经济法 合同法35 借款合同四大底层规则
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