SpecialZoneEconomy20094Abstract:Thecivilliabilityoflendingspecialcontractseal,shouldbeascertainedaccordingtotherel-ativepartyssubjectivestateofmind.Iftherelativepartywasingoodfaithandinnocentwhencontracting,hemayclaimthecontracttobevalidunderapparenta-gencyandthelenderisliable,orchooseunauthorizedagencyandthelenderandborrowerarerelatedliableforthedamagestohisrelianceinterest.Ifhewasawareofthefactoflending,thecollusivefalseex-pressionofintentwillleadstocrypticlegalaction,heandtheborrowerwillbeconstrainedbythecon-tract,whilethelenderisnotliable.Keywords:apparentagency;unauthorizedagency;falseexpressionofintent:52525240112024220094SpecialZoneEconomy1a.b.c.a.:482b.481653661448661a.b.243SpecialZoneEconomy200946532.1172587200808XZ-QN-04.2006477.1999129.H..2002218.2000545-5464966.2003892.2002248.200610116482.20022492000237.20032691973,244