In order to ensure the consistency of judicial adjudgement , it is of great theoretical and practical significance to define RLWL, improve the relevant legislation and specify suretyship liability .

• 因此,准确界定以贷还贷,完善相关立法以明确以贷还贷合同效力,准确确定不同情形下保证责任的具体承担,使人民法院在处理以贷还贷案件时保持司法裁判一致性,具有重大的理论与实践意义。