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Seen from the viewpoint, the so-called "usurious exploitation" in fork loan does not come from the credit action itself but lies in the cruel competition in credit market . 從這一角度出發(fā)，民間借貸關(guān)系中所謂的“高利貸剝削”就不是出自于借貸行為本身，而在于借貸市場的殘酷競爭。