陕西省西安市中级人民法院 民  事  裁  定  书   (2019)陕01民申668号 再审申请人（原审被告）：孙红雨，女，1974年XX月XX日出生，汉族，住西安市莲湖区。委托诉讼代理人：腾桂智，西安市碑林区南院门法律服务所法律工作者。被申请人（原审原告）：维仕担保有限公司，住所地浙江省杭州市滨江区。法定代表人：廖世宏，该公司董事长。 委托诉讼代理人：田珺，陕西云德律师事务所律师。 委托诉讼代理人：王乐琴，陕西云德律师事务所实习律师。再审申请人孙红雨因与被申请人维仕担保有限公司追偿权纠纷一案，不服西安新城区人民法院（2017）陕0102民初1021民事判决，向本院申请再审。本院依法组成合议庭进行了审查，现已审查终结。孙红雨申请再审称，本案约定的借款本金为70000元，但实际给付68600元，还款利息计算亦有误。经查阅卷宗，没有被申请人向出借人代为还款的相关凭证，只有自己核算的说明，无法说明还款的真实情况，被申请人是否有权向申请人主张代偿权不可确定。孙红雨以新的证据提交建设银行客户交易查询单，证明维仕金融服务有限公司向其转账交付借款68600元。孙红雨依据《中华人民共和国民事诉讼法》第二百条第一项、第二项、第四项、第六项规定申请再审。维仕担保公司提交意见称，原判决认定事实正确，请求驳回孙红雨的再审申请。本院经审查认为, 《中华人民共和国民事诉讼法》第二百零五条规定：“当事人申请再审，应当在判决、裁定发生法律效力后六个月内提出；有本法第二百条第一项、第三项、第十二项、第十三项规定情形的，自知道或者应当知道之日起六个月内提出。”原审判决于2017年9月27日已经发生法律效力，而孙红雨2019年7月4日提出再审申请，已明显超过申请再审的法定期限，本院依法仅对其所依据的《中华人民共和国民事诉讼法》第二百条第一项再审事由进行审查。孙红雨与维仕担保有限公司原、中国对外经济贸易信托有限公司、杭州维仕金融服务有限公司签订的《个人消费信托贷款及服务合同》系当事人真实意思表示，内容不违反法律效力性规定，合法有效。根据该合同的约定，孙红雨授权中国对外经济贸易信托有限公司在发放贷款时直接自贷款金额中一次性扣除2%即1400元的借款手续费，故中国对外经济贸易信托有限公司向孙红雨交付贷款68600元并未违反合同约定，故此，孙红雨提交的建设银行客户交易查询单不足推翻原判决认定的基本事实或者裁判结果。综上，孙红雨的再审申请不符合《中华人民共和国民事诉讼法》第二百条第一项规定的情形。依照《中华人民共和国民事诉讼法》第二百零四条第一款，《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》第三百九十五条第二款规定，裁定如下：驳回孙红雨的再审申请。                                                                                                                                         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