陕西省蓝田县人民法院民事判决书   (2020)陕0122民初2328号 原告：陕西蓝田农村商业银行有限责任公司。住所地：蓝田县。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          法定代表人：韩刚，系该公司执行董事。委托诉讼代理人：刘晨，系该公司员工。被告：狄锐锐，男，1980年10月2日出生，汉族，住西安市蓝田县。被告：高知红，女，1979年4月30日出生，汉族，住西安市新城区。被告：狄雅辉，男，1981年12月3日出生，汉族，住西安市蓝田县。被告：柳佳佳，女，1986年11月16日出生，汉族，住西安市。原告陕西蓝田农村商业银行有限责任公司与被告狄锐锐、高知红、狄雅辉、柳佳佳借款合同纠纷一案，原告诉请：1、要求被告狄锐锐、高知红偿还借款本金100000元及利息（2019年12月21日前的利息31764元；2019年12月22日至实际清偿之日，按照月利率14.85‰计算）；2、被告狄雅辉、柳佳佳对上述债务承担连带清偿责任；3、案件受理费由被告承担。本院受理后，依法公开开庭进行了审理，本案现已审理终结。本案相关情况一、原告与被告狄锐锐、高知红签订借款合同的时间：2016年5月11日。二、被告狄锐锐、高知红借款金额：100000元。三、被告狄锐锐、高知红借款的用途：生意周转。四、双方约定的借款期限：2016年5月11日至2018年5月9日。五、双方约定的借款利率（含逾期利率）：借期内月利率9.9‰，罚息利率为本合同执行利率上浮50%即月利率14.85‰。六、原告向被告发放借款的时间：2016年5月11日。七、被告狄锐锐、高知红借款后偿还本金：0。八、被告狄锐锐、高知红借款后偿还利息：截止2019年12月21日尚欠31764元。九、保证担保事宜：2016年5月11日，被告狄雅辉、柳佳佳与原告签订《保证担保合同》，合同约定：被告狄雅辉、柳佳佳对上述借款本金及利息、复利、罚息、违约金、损害赔偿金和实现债权的费用承担连带保证责任；保证期间为借款到期之日起两年。十、原告是否向被告催收贷款：原告未在规定的期限内就其主张向被告催收贷款一节提交证据佐证。判决结果原告与被告狄锐锐、高知红签订的《个人借款合同》，与被告狄雅辉、柳佳佳签订的《保证担保合同》均依法成立并生效，被告狄锐锐、高知红应按合同约定按期向原告履行还本付息的义务。被告狄雅辉、柳佳佳为上述债务的连带保证人，但原告未提交证据证明其在保证期间内向被告狄雅辉、柳佳佳进行催收，故被告狄雅辉、柳佳佳免除责任。 依照《中华人民共和国合同法》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，《中华人民共和国担保法》第十三条、第十八条、第二十一条、第二十六条第二款，《最高人民法院关于>的解释》第九十条之规定，判决如下：一、要求被告狄锐锐、高知红偿还借款本金100000元及利息（2019年12月21日前的利息31764元；2019年12月22日至实际清偿之日，按照月利率14.85‰计算）；二、驳回原告陕西蓝田农村商业银行有限责任公司要求被告狄雅辉、柳佳佳对上述债务承担连带清偿责任之诉讼请求。如未按本判决指定的期间履行给付金钱义务，应当依照《中华人民共和国民事诉讼法》第二百五十三条之规定，加倍支付迟延履行期间的债务利息。案件受理费2896元（原告已预交），减半收取1448元，由被告狄锐锐、高知红负担。 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出副本，上诉于陕西省西安市中级人民法院。 审  判  员    马  小  娜         二〇二〇年九月十八日          法 官 助 理    袁  永  娟                               书 记 员    赵  耀  花  1