西安市碑林区人民法院 西安市碑林区人民法院民事判决书 （2019)陕0103民初4471号原告：王秀琴，女，1961年6月10日出生，汉族。委托诉讼代理人：武鹏飞，陕西法智律师事务所律师。被告：王辉，男，1983年9月3日出生，汉族。原告王秀琴与被告王辉民间借贷纠纷一案，本院于2019年3月12日立案后，依法适用普通程序，公开开庭进行了审理。原告王秀琴之委托诉讼代理人武鹏飞到庭参加诉讼，被告王辉经传票传唤无正当理由拒不到庭参加诉讼。本案现已审理终结。原告王秀琴向本院提出诉讼请求：1、请求被告偿还原告借款200万元整，并自起诉之日起按中国人民同期贷款利率支付至还清之日的利息；2、本案诉讼费用由被告承担。事实和理由：2018年9月1日，被告王辉向原告王秀琴借款200万元，并向原告出具了借条，被告王辉向原告承诺借款200万元三个月还清，该借款由见证人王建华见证。同日王秀琴通过招商银行向被告王辉转账200万元。借款到期后，经原告多次催要，被告以各种理由拒不还款，原告无奈诉至法院。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          被告王辉未到庭答辩。原告围绕其诉请提交了以下证据：证据1：2018年9月1日王辉开具的借条；证据2：2018年9月1日招商银行转账汇款业务回单及电子回单；证据3：微信聊天截图，证明借条是王辉本人书写好通过其本人微信发给见证人王建华，因当时王辉本人在外地借条中也明确说明；上述证据证明借款事实。被告未向法庭提交证据。根据当事人陈述和经审查确认的证据，本院认定事实如下：2018年9月1日被告王辉因资金周转向原告借款，原告当日通过其招商银行6214850297336239账户向被告招商银行6225881299761251账户转账支付200万元。被告因人在外地，书写借条后通过其个人微信将借条拍照后发送至案外人王建华微信，内容为“本人王辉问王秀琴借款贰佰万元整，本人王辉承诺三个月还清所借款项，保证王秀琴资金安全。该还款全部以还回王秀琴银行还款流水为依据，现金无效。如果本人王辉未按期还清所借款项，王秀琴有权依法起诉，双方见证人王建华，身份证号。由于本人王辉借款时在外地，借条复印件有效，特此证明。借款人：王辉，时间：2018.9.1，身份证号：，电话：”。上述借款被告一直未予偿还。本院认为，原告王秀琴向被告王辉出借款项，被告王辉向王秀琴出具借条，双方之间形成民间借贷关系。双方约定的还款期限为三个月，现已届满，原告有权要求被告返还借款本金200万元。双方虽未约定逾期利息，但依据法律规定，原告有权主张自起诉之日即2018年12月18日（原告当日向本院递交诉状）起按照中国人民银行同期贷款利率支付资金占用期间的利息。综上，依照《中华人民共和国合同法》第一百九十六条、第二百零六条，《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》第二十九条第二款第一项，《中华人民共和国民事诉讼法》第一百四十四条之规定，判决如下：被告王辉于本判决生效之日起十五日内偿还原告王秀琴借款本金2000000元，并按照中国人民银行同期贷款利率自2018年12月18日至实际给付之日支付利息。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。案件受理费22800元由被告王辉负担（此款原告已预交，被告王辉于履行本判决时直付原告）。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    长      曹旭侠审    判    员      卢 颖人 民 陪 审 员      李  秦   二〇一九年六月三日  书    记    员      邱银平 1