陕西省西安市中级人民法院 民  事  裁  定  书   (2020)陕01民申473号再审申请人（原审被告）：胡剑，男，1978年2月20日出生，汉族，住陕西省西安市未央区。委托诉讼代理人：胡青学，（系胡剑之父），1950年11月9日出生，汉族，住陕西省西安市未央区。委托诉讼代理人：白冰，（系胡剑姐夫），1972年10月24日出生，汉族，住西安市未央区。被申请人（原审原告）：平安银行股份有限公司西安分行，住所地西安市新城区一至三层。 负责人：梁邦海，该分行行长。 委托诉讼代理人：许炜，北京中盈（西安）律师事务所律师。 再审申请人胡剑因与被申请人平安银行股份有限公司西安分行（以下简称平安银行西安分行）借款合同一案，不服西安市新城区人民法院（2019）陕0102民初5985号民事判决，向本院申请再审。本案依法组织合议庭进行了审查，现已审查终结。胡剑申请再审称，1.原审法院未穷尽直接送达等方式，即公告送达使其无法收到起诉状及开庭传票等诉讼文书、无法答辩，对认定案件事实的证据未质证，损害其诉讼权利。2.其患有严重精神疾病，属于无民事行为能力人，与平安银行西安分行签订的借款合同无效，原审法院判令其偿还本金、利息、复利、罚息适用法律错误。其诉讼应由法定代理人进行，原审未向法定代理人送达起诉状、开庭传票等文书，损害其诉讼权利，缺席判决错误。依据《中华人民共和国民事诉讼法》第二百条第四项、第六项、第八项、第十项规定申请再审。平安银行西安分行提交意见称，申请人具有完全民事能力，原审法院依法向其有关地址邮寄开庭传票，其中亦有其再审申请书中的地址，因邮寄送达不能而公告送达，审理程序合法。本院经审查认为，胡剑申请再审称其患严重的精神疾病系无民事行为能力人，并提交残疾证及住院病历、诊断证明等材料证明其与平安银行西安分行签订的借款合同无效。但经审查，医院诊断材料仅显示胡剑患有某种精神疾病，而残疾证则是在本案借款合同签订后核发，该证据材料不能证明涉案借款合同签订时胡剑属于无民事行为能力人，故其主张借款合同无效依据不足。且经审查，原审法院向胡剑借款合同记载的住址及其相关住址邮寄送达起诉状副本及开庭传票，因邮寄送达未果而依法公告送达程序符合法律规定，且认定案件事实的主要证据已经法庭核实。综上，胡剑的再审申请不符合《中华人民共和国民事诉讼法》第二百条第四项、第六项、第八项、第十项规定的情形。 依照《中华人民共和国民事诉讼法》第二百零四条第一款，《最高人民法院关于适用的解释》第三百九十五条第二款规定，裁定如下： 驳回胡剑的再审申请。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         审 判 长  刘  晓  渭审  判  员  唐      辉审  判  员  陈  媛  媛 二○二○年九月三十日  书 记 员  张      莹  2020014731978220****195011923051972102482240201901025985202001473197802204486101021978022015549161010205714100762019010259851