放款人：透過平台提供資金給借款人，收取利息，並且承擔借款人違約風險。 无相对人的意思表示，不能完全拘泥于所使用的词句，而应当结合相应的条款、行为的性质、目的、习惯以及诚信原则、确定行为人的真实意思。 所有實際年利率乃依據銀行營運守則

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