陕西省蓝田县人民法院民事判决书 (2020)陕0122民初2326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：马红军，男，1967年8月14日出生，汉族，住西安市蓝田县。被告：杨会利，女，1970年11月10日出生，汉族，住西安市蓝田县。被告：罗锋利，男，1969年10月26日出生，汉族，住西安市蓝田县。被告：杨花利，女，1969年5月6日出生，汉族，住西安市蓝田县。原告陕西蓝田农村商业银行有限责任公司与被告马红军、杨会利、罗锋利、杨花利借款合同纠纷一案，原告诉请：1、要求被告马红军、杨会利偿还借款本金100000元及利息（2019年12月24日前的利息29154元；自2019年12月25日至实际清偿之日，按照月利率14.85‰计算）；2、被告罗锋利、杨花利对上述债务承担连带保证责任；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、原告与被告马红军、杨会利签订借款合同的时间：2016年8月29日。二、被告马红军、杨会利借款金额：100000元。三、被告马红军、杨会利借款的用途：运输周转。 四、双方约定的借款期限：2016年8月29日至2018年8月27日。五、双方约定的借款利率（含逾期利率）：借期内月利率9.9‰，逾期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8月29日。七、被告马红军、杨会利借款后偿还本金：0。八、被告马红军、杨会利借款后偿还利息：截止2019年12月24日尚欠29154元。九、保证担保事宜：2016年8月29日，被告罗锋利、杨花利与原告签订《保证担保合同》，合同约定：被告罗锋利、杨花利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借款：2019年11月3日，原告向被告罗锋利、杨花利催收。判决结果原告与被告马红军、杨会利签订的《个人借款合同》，与被告罗锋利、杨花利签订的《保证担保合同》均依法成立并生效，被告马红军、杨会利应按合同约定按期向原告履行还本付息的义务。被告罗锋利、杨花利为上述债务的连带保证人，应在其保证范围内承担连带保证责任。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、第二十一条之规定，判决如下：一、自本判决生效后十五日内，由被告马红军、杨会利偿还原告陕西蓝田农村商业银行有限责任公司借款本金100000元及利息（2019年12月24日前的利息29154元；2019年12月25日至实际清偿之日，按照月利率14.85‰计算）；  二、被告罗锋利、杨花利对上述债务承担连带保证责任。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2848元（原告已预交），减半收取1424元，由被告马红军、杨会利、罗锋利、杨花利负担。 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      二〇二〇年九月十六日      法  官助 理    袁  永  娟                          书 记 员    赵  耀  花   1