陕西省安康市汉滨区人民法院民事判决书        (2020)陕0902民初2589号原告安康农村商业银行股份有限公司（以下简称“安康农商银行”，统一社会信用代码： 91610900MA70K2LB84。住所地:安康市汉滨区XX路XX号。法定代表人吴兆庆，该行董事长。委托代理人冯兴超，该行沈坝支行职工。委托代理人罗长义，该行沈坝支行职工。被告胡春林，男，汉族，1992年12月29日出生，陕西省安康市人，住汉滨区，公民身份号码XXXXXXXXXXXXXXXXXX。被告胡代秋，男，汉族，1962年10月10日出生，陕西省安康市人，住汉滨区，公民身份号码XXXXXXXXXXXXXXXXXX，系被告胡春林之父。安康农村商业银行股份有限公司与胡春林、胡代秋金融借款合同纠纷一案，本院立案后，依法适用普通程序公开开庭进行了审理。原告安康农商银行的委托代理人冯兴超、罗长义到庭参加诉讼，被告胡春林、胡代秋经人民法院传票传唤未到庭，本案依法缺席审理。本案现已审理终结。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     原告诉称，被告胡春林、胡代秋以建房为由，于2017年5月26日与原告安康农商银行签订农户小额借款合同，贷款金额为拾万元，借款期限分别为2017年5月26日起至2019年5月25日，月利率8‰，利随本清，到期还本，逾期附加罚息40%。二被告借款后怠于履行还款义务，截止2019年9月30日，尚欠本金10万元、利息24252.09元。现诉请人民法院：一是判令被告胡春林、胡代秋共同向原告偿还借款本金拾万元及利息（起息日为2017年5月26日）；二是诉讼费和实现债权的费用由二被告承担。原告为支持其诉讼请求，向法庭提交以下证据：1、营业执照、法定代表人身份证复印件各一份。主要证明原告安康农商银行的诉讼主体适格。2、农户小额借款合同。主要证明原、被告于2017年5月26日签订借款合同，被告向原告借款10万元的事实。被告胡春林、被告胡代秋均未出庭，未答辩，亦未向法庭提交证据。当事人围绕诉讼请求依法提交了证据，本院组织当事人进行了举证，合议庭当庭对原告提交的两组证据予以核实认定，本院予以确认并在卷佐证。经审理查明，2017年5月26日，被告胡春林以建房为由向原告安康市汉滨区XX社XX社（现安康农村商业银行股份有限公司沈坝分行）申请贷款100 000元，同日签订了《农户小额借款合同》，合同约定借款金额为100000元，借款期限为24个月，借款期限分别为2017年5月26日起至2019年5月25日止，借款月利率为8.0‰，借款利息自款到借款方账户日起按日计算，利随本清。合同签订后，原告依约向被告胡春林发放了100 000元贷款。贷款到期后，被告未按约定向原告偿还借款本金及利息。另查明，2017年6月16日安康市汉滨区XX社改制为安康农村商业银行股份有限公司，吴兆庆担任董事长，并于2017年7月26日在安康市工商行政管理局注册登记，安康市汉滨区XX社的债权债务均由安康农村商业银行股份有限公司承接。被告胡代秋在共同还款承诺函上签字捺印，承诺对借款人胡春林的借款本金及利息承担连带清偿责任。本院认为，合法的借贷关系受法律保护，本案中，原、被告签订的借款合同系双方真实意思表示，内容不违反法律、行政法规的强制性规定，双方借贷关系合法、有效，合同双方应该按照约定全面履行各自义务。原告履行放款义务后，被告应当按照合同约定期限及时偿还借款本金及利息。故原告要求被告胡春林偿还借款本金100 000元及利息、罚息的诉讼请求，证据充分，理由正当，本院予以支持。因第二被告胡代秋作为第一被告之父，其在借款申请、借款合同以及共同还款承诺函上签字捺印，故原告请求被告胡代秋共同偿还借款本金及利息的诉讼请求，本院予以支持。现依照《中华人民共和国民法通则》第九十条、《中华人民共和国合同法》第八条、第六十条、第一百零七条、第一百九十六条、第二百零五条、第二百零六条、第二百零七条，《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》第二十六条第一款、第二十九条第二款第（二）项之规定，判决如下：一、由被告胡春林在本判决生效后1个月内向原告安康农村商业银行股份有限公司偿还借款本金100 000元及借款还清之日的利息（利息起算日为2017年5月26日）；被告胡代秋对借款100 000元本金及利息承担连带清偿责任。二、驳回原告安康农村商业银行股份有限公司的其他诉讼请求。如果未按本判决指定的期限履行给付金钱义务，依据《中华人民共和国民事诉讼法》第二百五十三条之规定，应加倍支付迟延履行期间债务利息。本院决定，案件受理费2 785元，由被告胡春林负担。如不服本判决，可在判决书送达之日起十五日内，向本院递交上诉状，并按对方当事人的人数提供副本，上诉于陕西省安康市中级人民法院。  审  判  长  费朝启人民陪审员  潘德锋人民陪审员  徐长恩 二〇二〇年八月二十七日 书  记  员    陈  侠  1