防范化解金融风险是防范化解重大风险的题中应有之意，金融借款合同纠纷案件妥善解决事关国家金融安全。金融借款合同纠纷案件数量多，涉及到的金额大，总体而言案件复杂程度不高，但是给人民法院尤其是基层法院带来了极大的审判压力，如何有效的处理金融借款合同纠纷案件，不仅是公平与效率的要求，也是防范化解金融风险的要求。文章除绪论、结语外，分三个部分进行论述，主要内容如下：

第一部分为金融借款合同纠纷案件审判实务概说。相较于民间借贷纠纷，金融借款合同纠纷的主体更加特定化，在证据上也更加充足。2018年——2021年间，金融借款合同纠纷的数量、标的额总体上呈现上升的趋势。产生上述现象有多重的原因，主要是人们消费需求的增长、金融机构在贷前审批和贷后管理工作上存在不足、金融风险防控的要求以及新冠肺炎疫情的冲击。

第二部分金融借款合同纠纷案件审判实务调研。以上海全市范围内金融借款合同纠纷案件审判数据以及相关裁判文书为研究对象，从诉讼双方当事人、案件审理适用的程序、公告送达与审理期限之间的关系以及被告的答辩内容四个方面入手分析数据，揭示该类型案件审理过程中存在缺席审判率过高致使庭审功能虚置、公告送达延长诉讼时间以及诉讼中有还款意愿但缺乏还款能力的被告人的请求无法得到回应的问题。

第三部分为提高金融借款合同纠纷处理效率的对策建议。针对上一部分发现的问题，提出针对性的对策，主要包括探讨金融借款合同纠纷适用实现担保物权特别程序、部分文书采用以即时通信工具为载体的电子送达的方式以及将强制调解程序适用于金融借款合同纠纷案件。

总之，对金融借款合同纠纷的处理效率问题必须得到重视，结合互联网发展的社会背景，立足于社会现实，逐步完善处理该类纠纷的制度设计，更好地发挥法治对经济建设的积极作用，促进金融市场健康发展，防止和消除金融风险，更好地为经济发展服务。

Preventing and resolving financial risks is the right thing to do to prevent and resolve major risks, and the proper resolution of financial loan contract dispute cases is a matter of national financial security. The number of financial loan contract disputes is large, the amount involved is large, and overall the complexity of the cases is not high, but it has brought great trial pressure to the people's courts, especially the grassroots courts. How to effectively deal with financial loan contract disputes is not only a requirement of fairness and efficiency, but also a requirement of preventing and resolving financial risks. The article is divided into three parts, in addition to the introduction and conclusion, and the main contents are as follows:

Part I provides an overview of trial practice in financial loan contract disputes. Compared with private lending disputes, the subjects of financial loan contract disputes are more specific and more adequate in terms of evidence. 2018 - 2021, the number and subject amount of financial loan contract disputes generally show an upward trend. There are multiple reasons for the above phenomenon, mainly the growth of people's consumer demand, the shortcomings of financial institutions in pre-loan approval and post-loan management, the requirements of financial risk prevention and control, and the impact of the new crown pneumonia epidemic.

The second part is a study on the trial practice of financial loan contract disputes. The study takes the trial data of financial loan contract disputes in Shanghai and the relevant adjudication documents as the object, and analyses the data from four aspects: the parties to the litigation, the procedures applied in the trial, the relationship between service of notice and the trial period, as well as the focus of dispute and the content of the defendant's defence, The service of notice prolongs the proceedings and prevents defendants who are willing to repay but lack the capacity to do so from having their requests answered.

The third part is the suggestions for countermeasures to improve the efficiency of handling disputes over financial loan contracts. In response to the problems identified in the previous part, targeted countermeasures are proposed, mainly including exploring the application of special procedures for realisation of security rights in financial loan contract disputes, the adoption of electronic service of some documents by means of instant messengers and the application of compulsory mediation procedures to financial loan contract disputes.

In conclusion, the issue of efficiency in handling disputes over financial loan contracts must be taken seriously, combined with the social background of the development of the Internet, based on social reality, gradually improve the design of the system for handling such disputes, better play the positive role of the rule of law on economic construction, promote the healthy development of the financial market, prevent and eliminate financial risks, and better serve economic development.