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33号原告:陕西创鑫汽车销售服务有限公司，住所地陕西省西安市。法定代表人：杨航程。委托诉讼代理人：袁成润，上海市XX城（西安）律师事务所律师。委托诉讼代理人：张路，上海市XX城（西安）律师事务所律师。被告：陕西佳仕德汽车销售服务有限公司，住所地西安市高新区。法定代表人：姚建筑。原告陕西创鑫汽车销售服务有限公司（以下简称“陕西创鑫汽服公司”）与被告陕西佳仕德汽车销售服务有限公司（以下简称“陕西佳仕德汽服公司”）合同纠纷一案，本院于2019年1月3日立案后，依法适用普通程序，公开开庭进行了审理。原告陕西创鑫汽服公司之委托诉讼代理人张路到庭参加诉讼，被告陕西佳仕德汽服公司经公告送达开庭传票，未到庭参加诉讼。本案现已审理终结。原告陕西创鑫汽服公司向本院提出诉讼请求：1、解除原告与被告陕西佳仕德汽车销售服务有限公司签订的《个人汽车消费贷款合作协议》；2、判令被告归还陕西创鑫汽车销售服务有限公司向陕西佳仕德汽车销售服务有限公司支付保证金20000元（贰万元）；3、判令被告赔偿原告损失10000元；4、诉讼费由被告承担。事实和理由：2014年12月31日双方签署商品车辆消费贷款业务合作协议，2015年3月至今，被告与原告长期无业务往来，影响原告经营资金成本。故原告要求被告退还保证金20000元，并赔偿损失10000元。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          被告陕西佳仕德汽服公司未到庭答辩。原告围绕其诉请提交了以下证据：证据1：个人汽车消费贷款合作协议，证明我们合作的模式为在客户办理贷款手续前，先由我方进行垫资，在办理完手续后，客户授权银行直接把钱打到我们这，我们收取手续费和增值安装的费用。证据2：法定代表人杨航程于2015年1月19日通过秦农银行支付20000元的转账流水。证明目的是原告履行合同义务支付了20000元保证金。证据3：《解除通知书》及EMS快递单。证明目的是原告已经按照法律规定的方式行使了合同解除权。证据4：工商登记网页截图。证明被告已经被列入经营异常名录，合作合同事实某某已经履行不能。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：2014年12月31日，原、被告签订《个人汽车消费贷款合作协议》，双方就被告委托原告代办被告所售商品车辆消费贷款业务达成合作协议，协议约定：自合同签订日起，原告即向被告支付相应保证金，保证金金额为20000元，如双方终止本协议，被告应在三天内无条件退还全额保证金。2015年1月19日，原告法定代表人杨鹏程通过陕西信合账户向被告公司招商银行西安枫林绿洲支行账户转账支付20000元。2018年11月21日原告向被告工商登记住所地西安市高新区XX路XX号XX幢XX室邮寄《解除合同通知书》，因公司已搬迁，电话一直拒接被退回。2018年12月24日被告已被西安市工商局高新分局列为经营异常名录，原因为通过登记的住所或者经营场所无法联系。本案受理后，无法联系被告，法院前往其住所地，已停止营业。本院认为，原、被告签订的《个人汽车消费贷款合作协议》系双方的真实意思表示，不违反法律法规的强制性规定，应属合法有效。被告现已不在登记的住所地经营，亦无其他联系方式，双方的合作目的已无法实现，故原告要求解除合同，于法有据依法应予支持。双方当事人均应按照合同约定履行义务，原告法定代表人向被告转账支付保证金，符合中小企业的财务现状，可以认定原告已完成合同约定的给付保证金20000元的义务，现合同解除，被告应按约返还保证金，故原告要求被告返还保证金20000元的诉请于法有据，依法应予支持。对于赔偿损失10000元，原告未提供证据证明其损失，合同对退还保证金的时间亦无明确约定，故原告要求被告赔偿损失10000元的诉请，无事实和法律依据，依法应予驳回。综上，依照《中华人民共和国合同法》第六十条、第九十四条、第九十六条，《中华人民共和国民事诉讼法》第一百四十四条，《最高人民法院关于适用《中华人民共和国民事诉讼法》的解释》第九十条之规定，判决如下：一、解除原告陕西创鑫汽车销售服务有限公司与被告陕西佳仕德汽车销售服务有限公司2014年12月31日签订的《个人汽车消费贷款合作协议》；二、被告陕西佳仕德汽车销售服务有限公司于本判决生效之日起十五日内退还原告陕西创鑫汽车销售服务有限公司保证金20000元；三、驳回原告陕西创鑫汽车销售服务有限公司的其余诉讼请求。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。诉讼费1040元（其中案件受理费350元、公告费690元）由被告陕西佳仕德汽车销售服务有限公司负担990元，原告陕西创鑫汽车销售服务有限公司负担50元（此款原告已预交，被告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