陕 西 省 西 安 市 新 城 区 人 民 法 院 民 事 判 决 书                     （2020）陕0102民初5987号原告：叶明正，男，1987年8月15日出生，汉族，陕西万商企业集团有限公司法定代表人，住陕西省西安市。原告：牛宁，女，1986年9月16日出生，汉族，自由职业，住陕西省西安市。委托诉讼代理人：周丽惠，陕西静远新言律师事务所律师。委托诉讼代理人：杨晓东，陕西静远新言律师事务所律师。被告：王友义，男，1955年9月1日出生，汉族，个体经营者，住西安市新城区。被告：黄香眉，女，1957年8月29日出生，汉族，个体经营者，住西安市新城区。委托诉讼代理人：王友义，男，1955年9月1日出生，汉族，服装生意，住西安市新城区，系夫妻关系。被告：缪玉斌，女，1986年10月8日出生，汉族，无业，住福建省宁德市寿宁县。被告：卢海峰，男，1987年1月15日出生，汉族，云集电商销售员，住福建省宁德市寿宁县。被告缪玉斌、卢海峰共同委托诉讼代理人：缪丽斌，女，1988年4月19日出生，汉族，无业，住陕西省汉中市XX乡县。 被告：胡召聪，男，1990年11月2日出生，汉族，住西安市雁塔区。原告叶明正、牛宁与被告王友义、黄香眉、卢海峰、缪玉斌、胡召聪追偿权纠纷一案，本院于2020年6月24日立案后，依法适用普通程序，公开开庭进行了审理。原告叶明正、牛宁共同委托诉讼代理人周丽惠、杨晓东，被告王友义并作为被告黄香眉委托诉讼代理人，被告卢海峰、缪玉斌共同委托诉讼代理人缪丽斌到庭参加诉讼。被告胡召聪经本院合法传唤未到庭参加诉讼，本案现已审理终结。原告叶明正、牛宁向本院提出诉讼请求：1、请求依法判令被告王友义、黄香眉、立即偿还原告为其代偿的借款及利息合计人民币壹佰伍拾叁万柒仟柒佰捌元零角伍分（1537738.05元），并按照银行间同业拆借中心贷款市场报价利率支付全部本息从代偿之日起至款项实际清偿之日止的利息；2、请求判令被告胡召聪、缪玉斌、卢海峰在各自份额内对上述款项承担连带保证责任；3、本案诉讼费由被告承担。事实和理由：2016年11月15日，王友义、黄香眉与陕西秦农农村商业银行股份有限公司新城支行（以下简称“秦农银行新城支行”）签订了《最高额流动资金借款合同》（编号：秦农银长乐西高借字【2016】第XX-XX-X号，王友义、黄香眉从秦农银行新城支行贷款人民币135万元，期限从2016年11月16日至2019年11月15日止。同日，原告叶明正、牛宁以及胡召聪、缪玉斌、卢海峰与秦农银行新城支行分别签订《最高额保证合同》（编号：秦农银长乐西高保字【2016】第XX-XX-X-X号、秦农银行长乐西高保字【2016】第XX-XX-X-X号、秦农银长乐西高保字【2016】第XX-XX-X-X号），由叶明正、牛宁以及胡召聪、缪玉斌、卢海峰为王友义、黄香眉在秦农银行新城支行的该笔贷款提供连带保证担保。该笔贷款到期后，王友义、黄香眉未依约按时还款，叶明正、牛宁承担连带保证责任，代替王友义、黄香眉偿还秦农银行新城支行借款本金及利息合计人民币壹佰伍拾叁万柒仟柒佰叁拾捌元零角伍分（1537738.05）。之后叶明正、牛宁多次向王友义、黄香眉以及胡召聪、缪玉斌、卢海峰追偿均未果，为维护自身合法权益，原告无奈诉至法院，望判如所请。被告王友义、黄香眉辩称，两原告替两被告偿还借款及利息属实，金额属实。被告是在原告还完款之后才知道原告代偿，同意偿还原告，但是现在经济紧张，无力偿还款项。被告缪玉斌、卢海峰辩称，被告缪玉斌与卢海峰系夫妻关系，不同意承担连带保证责任，无力偿还。被告胡召聪未作答辩。经审理查明，原告叶明正与牛宁系夫妻关系。被告王友义与黄香眉系夫妻关系。2016年11月15日，王友义、黄香眉与秦农银行新城支行签订秦农银长乐西高借字【2016】第XX-XX-X号《最高额流动资金借款合同》，约定，合同项下最高借款金额为1350000元，借款人可循环借款和还款，借款的余额不得超过最高借款金额。借款期限自2016年11月16日至2019年11月15日。借款用途为购货。同日，叶明正、牛宁（保证人）与秦农银行新城支行（债权人）签订秦农银长乐西高保字【2016】第XX-XX-X-X号《最高额保证担保合同》，约定，鉴于王友义、黄香眉和债权人秦农银行新城支行签订了秦农银长乐西高借字【2016】第XX-XX-X号借款合同，保证人愿意以其所有的财产为借款提供保证担保。合同项下的保证为连带责任保证。担保的债权的最高限额为1350000元。债务确定日是借款到期日，为借款人应还款金额的债务确定日。保证的范围为：在借款确定日，借款合同项下全部未归还借款本金及利息、复利、罚息、违约金、损害赔偿金和实现债权的费用。实现债权的费用包括但不限于催收费用、诉讼费（或仲裁费）、保全费、公告费、执行费、律师费、差旅费及其他费用。保证期间为债务确定日之日起两年。如借款展期，则为展期协议约定的债务履行期限届满之次日起两年。借款人未按时足额偿还全部或部分贷款、或相应利息时，保证人应无条件地向债权人立即支付借款人的全部到期应付款项。保证人没有主动履行的，债权人有权直接从保证人账户中划收。本保证合同作为保证人同意划收的书面承诺。被担保的债权同时受其它担保合同担保的，债权人有权自行决定行使权利的顺序，债权人有权要求保证人立即支付借款人的全部到期应付款项而无需先行行使担保物权；债权人放弃担保物权或其权利顺位或变更担保物权的，保证人仍按合同承担保证责任而不免除任何责任。同日，胡召聪（保证人）与秦农银行新城支行（债权人）签订秦农银长乐西高保字【2016】第XX-XX-X-X号《最高额保证担保合同》，除保证人不同外，合同约定内容同秦农银长乐西高保字【2016】第XX-XX-X-X号《最高额保证担保合同》。同日，缪玉斌、卢海峰（保证人）与秦农银行新城支行（债权人）签订秦农银长乐西高保字【2016】第XX-XX-X-X号《最高额保证担保合同》，除保证人不同外，合同约定内容同秦农银长乐西高保字【2016】第XX-XX-X-X号《最高额保证担保合同》。2016年11月15日，秦农银行新城支行（贷款人）与王友义、黄香眉（借款人）、胡召聪（保证人）、缪玉斌、卢海峰（保证人）、叶明正、牛宁（保证人）就秦农银长乐西高借字【2016】第XX-XX-X号《最高额流动资金借款合同》、秦农银长乐西高保字【2016】第XX-XX-X-X号《最高额保证担保合同》、秦农银长乐西高保字【2016】第XX-XX-X-X号《最高额保证担保合同》、秦农银长乐西高保字【2016】第XX-XX-X-X号《最高额保证担保合同》进行公证，陕西省西安市汉唐公证处出具（2016）陕证经字第XXXXXX号具有强制执行效力的债权文书公证书，赋予前面的《最高额流动资金借款合同》、《最高额保证担保合同》具有强制执行的效力。2019年12月20日、12月27日，叶明正、牛宁共代借款人王友义、黄香眉偿还借款及利息1537738.05元。以上事实，有《最高额流动资金借款合同》、《最高额保证担保合同》、公证书及庭审笔录等在卷为证。本院认为，原、被告及秦农银行新城支行签订的《最高额流动资金借款合同》、《最高额保证担保合同》系双方当事人真实意思表示，内容合法有效，依法应予保护。由于被告未按合同约定的期间向秦农银行新城支行偿还借款本金、利息，原告作为连带保证人，向秦农银行新城支行履行保证义务，代被告王友义、黄香眉偿还其拖欠的贷款本金及利息。原告向被告王友义、黄香眉行使追偿权，于法有据，本院依法予以支持。原告主张其代偿本金及利息共计1537738.05元，符合法律规定，本院依法予以支持。连带共同保证的保证人承担保证责任后，向债务人不能追偿的部分，由各连带保证人按其内部约定的比例分担。没有约定的，平均分担。保证人叶明正、牛宁已履行了保证责任，有权向债务人王友义、黄香眉追偿，连带保证人未约定内部比例分担，应平均分担。向王友义、黄香眉不能追偿的部分，由胡召聪和缪玉斌、卢海峰夫妇各负责偿还三分之一，胡召聪和缪玉斌、卢海峰夫妇应承担的保证份额，均以512579.35元为限。胡召聪和缪玉斌、卢海峰夫妇就向叶明正、牛宁已履行保证责任的相应款项，有权向王友义、黄香眉追偿。至于原告主张的要求被告王友义、黄香眉按照银行同业拆借中心报价利率支付利息，双方未有书面或口头约定，其主张依据不足，本院依法不予支持。被告胡召聪经本院合法传唤，逾期未到庭，视为放弃诉讼权利。综上，依照《中华人民共和国担保法》第十二条，《最高人民法院关于适用若干问题的解释》第二十条、《中华人民共和国民事诉讼法》第一百四十四之规定，判决如下：一、被告王友义、黄香眉于本判决生效后十日内偿还原告叶明正、牛宁为其代偿的借款及利息合计1537738.05元；二、对于上述款项王友义、黄香眉不能追偿还部分，由胡召聪和缪玉斌、卢海峰夫妇各自在512579.35元限额内承担连带保证责任；三、驳回原告叶明正、牛宁其余诉讼请求。    如果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。本诉案件受理费18640元，由被告王友义、黄香眉、缪玉斌、卢海峰、胡召聪共同负担。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   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     刘  娜                               二0二0年九月四日 书  记  员    叶欢欢 1