广东省深圳市福田区人民法院 民 事 判 决 书 （2021）粤0304民初34013号 原告：招商银行股份有限公司，住所地深圳市福田区深南大道7088号招商银行大厦，统一社会信用代码9144030010001686XA。 法定代表人：缪建民，董事长。 委托诉讼代理人：张彬，广东晟典律师事务所律师。 委托诉讼代理人：董奎杏，广东晟典律师事务所律师。 被告：伍荣庆等94人（详细信息详见附表一）。 原告招商银行股份有限公司诉各案被告金融借款合同纠纷共九十四案，本院于2021年6月3日立案后，根据《全国人民代表大会常务委员会关于授权最高人民法院在部分地区开展民事诉讼程序繁简分流改革试点工作的决定》，依法适用小额诉讼程序，于2021年6月28日公开开庭进行了审理。原告委托诉讼代理人张彬到庭参加诉讼，各案被告经本院合法传唤均未到庭参加诉讼。九十四案现已审理终结。 原告向本院提出诉讼请求：1.各案被告偿还原告剩余贷款本金及利息、罚息、复息（暂计至相应日期，支付时计至实际结清日）（详见附表一）；2.各被告承担与本案有关的一切诉讼费用，包括诉讼费、保全费、公告费等。事实和理由：各被告通过招商电子银行向原告申请“代发信用贷款”（闪电贷）授信额度，各被告在线点击确认同意并与原告签署了《额度借款合同》。原告向各被告发放贷款后，各被告未按约定偿还月供，其行为已构成严重违约。 各案被告未提交书面答辩状，亦未提交任何证据，开庭时缺席。 经审理查明，“闪电贷”系原告经营的网络贷款品种，该贷款可通过网上个人银行、手机银行等渠道在线申请。原告主张各被告先在招商银行股份有限公司各支行柜台或者自助办卡终端机开办银行卡，并开通该张银行卡的网上银行及手机银行功能，再通过招商银行电子银行向原告申请“闪电贷”，在线签署了《额度借款合同》，合同约定如通过手机银行登录，须验证账号、密码或者指纹等信息；如通过网上个人银行登录，须验证账号、密码或电子证书等信息，在提交贷款申请前贷款人需验证扣款卡的取款密码和动态密码，动态密码将发送至预留在招商银行的移动电话，贷款人认为必要时，会通过视频或电话核实身份；被告如未按合同的约定按时足额偿还贷款，原告有权对其未偿还的贷款本金按日在本合同执行利率水平上加收50%计收罚息，直至贷款本息清偿完毕为止；对不能按时支付的利息按罚息利率按日计收复息；被告应于每个扣款日前（不含扣款当日）在约定的扣款账户内存放足额还本付息的款项，被告授权并同意原告到期从指定扣款账户中扣款；被告未按本合同约定按时足额偿还贷款本息的构成违约，原告有权宣布合同提前到期，提前收回已发放贷款本息并要求被告支付相关费用。附表二载有贷款金额、年利率、贷款期限、放款时间、到期时间等信息。 合同签订后原告依约向各被告指定账户足额发放了贷款，各案被告未按约定时间还本付息，原告主张各案被告尚欠原告贷款本金、利息、罚息、复息。原告提交的银行流水显示，各被告名下的招商银行卡被转入上述合同约定的贷款数额，此后每月的扣款日，该银行卡均发生扣款，若该日未足额扣款，则此后会再次扣款。 原告已委托中金金融认证中心有限公司(以下简称中金公司)提供电子签名服务。中金公司系具有《电子认证服务许可证》的电子认证服务机构。中金公司对本次审理的九十四案出具了《数字签名验证报告》，载明所验证的原告与各被告签署的上述《额度借款合同》中原告和各被告的数字证书均为激活状态，并载有上述合同的哈希值。该哈希值与原告提交的《额度借款合同》电子版校验出的哈希值一致。 又查，《中华人民共和国国家标准电子物证文件一致性检验规程》（GB/T29361-2012）第5.3.5条规定，比较检材数据文件和样本数据文件的哈希值，两个哈希值相同，则可以判断两个文件的数据相同。 再查，本系列案原告除案件受理费之外，未发生其他费用。 以上事实，有原告提交的贷款申请记录、《额度借款合同》、账户流水、欠款明细、数字签名验证报告等证据和庭审录音录像为证。 本院认为，原告提交的《额度借款合同》校验出的哈希值与中金公司出具的《数字签名验证报告》的哈希值一致，且原告与各被告的数字证书均为激活状态，故本院依法确认该合同即为原告与各被告在线签署的合同，该合同系各方当事人真实意思表示，合法有效，各方当事人均应依约履行。原告提交了贷款放款清单明细、贷款清单等证据，本院依法采信原告关于放款及各被告还款金额的主张。各被告未按合同约定的期限归还借款，构成违约，应承担违约责任。原告有权要求各被告归还全部剩余借款本金及利息、罚息、复息。对于合同履行期限尚未届满的案件，原告以起诉材料送达给被告后的日期（即暂计日）作为未到期贷款的提前到期日，给予了被告合理返还期限，符合相关法律规定，本院予以照准。 综上，依照《中华人民共和国合同法》第八条、第一百零七条、第二百零五条、第二百零六条、第二百零七条，《中华人民共和国民事诉讼法》第六十四条第一款、第一百四十二条之规定，判决如下： 各被告应于本判决生效之日起十日内向原告招商银行股份有限公司偿还贷款本金及利息、罚息、复息（本金、利息、罚息、复息金额及暂计日期、利率详见附表二，暂计日期后的罚息以拖欠本金为基数、复息以拖欠利息为基数按合同约定利率上浮50%计至实际履行之日止）。 各被告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。 各案案件受理费（具体金额详见附表二）均已由原告预交，由各案被告负担。原告已预交的由被告负担的诉讼费，由本院予以退回。被告应在本判决生效之日起十日内向本院缴纳应由其负担的案件受理费，拒不缴纳的，本院依法强制执行。 本判决为终审判决。 审判员  魏巍 二〇二一年六月二十九日 书记员  李云 附表二 序号案号被告贷款笔数贷款编号贷款本金贷款期数还款方式利息年利率（%）复息、罚息年利率（%）贷款发放日贷款到期日法院判决 拖欠本金拖欠利息拖欠罚息拖欠复息暂计日期诉讼费 133928号伍荣庆281905087200321600012等额本息10.0815.12019/5/82020/5/87633.36318.521627.1866.972021/6/1126.05 8190628815012900012等额本息10.0815.12019/6/282020/6/286833.97285.621260.5157.71 233929号李海滨181907283320142400012等额本息9.36142019/7/282020/7/2814718.34438.962228.4970.82021/6/1118.21 333930号何奇徽181904306700155000012等额本息15.1222.72019/4/302020/4/3015640.43321.244198.1587.622021/6/1153.09 433931号曾华山281905022040101000024等额本息12.618.92019/5/22021/5/26941.02632.72852.1104.432021/6/1113.25 81905073320031000024等额本息12.618.92019/5/72021/5/76941.02633.54850.87104.5 533932号高洪伟181904249950072900024等额本息10.4415.72019/4/242021/4/2417358.531011.661564.07114.922021/6/1150.61 633933号王志建381904095250151000012等额本息9.36142019/4/92020/4/94280.2191.62765.8817.072021/6/1105.36 8190502750011800012等额本息9.36142019/5/22020/5/23424.1880.36606.4614.88 81906272100091000012等额本息9.36142019/6/272020/6/275946.3185.61983.1332.94 733934号马尧娟381904152880163000012等额本息12.618.92019/4/152020/4/157637.7660.841670.4113.332021/6/1108.75 8190531487001700012等额本息12.618.92019/5/312020/5/312431.4662.43516.8413.78 8190613650032800012等额本息12.618.92019/6/132020/6/133455.57103.19712.0122.37 833935号贾志昌181904303100312200024等额本息12.618.92019/4/302021/4/3013498.081085.221528.12160.132021/6/1103.39 933936号果秀英181908199980065000024等额本息913.52019/8/192021/8/1917322.87389.51241.198.912021/6/1124.53 1033937号张峰281908160720212000012等额本息10.4415.72019/8/162020/8/166898.97151.211004.35232021/6/1150.67 81910094430042000012等额本息10.4415.72019/10/92020/10/910259.83311.111360.1144.78 1133938号罗实181906183800313100012等额本息15.8423.82019/6/182020/6/1813511.82540.963640.29153.022021/6/1123.08 1233939号郭鹏181908217800165800012等额本息10.4415.72019/8/212020/8/2115069.98240.931994.1732.962021/6/1116.73 1333940号顾量量181904086360302100024等额本息7.9211.92019/4/82021/4/816894.111137.211792.17156.382021/6/1149.75 1433941号赵阳181904245240132500024等额本息12.618.92019/4/242021/4/2414517.811068.471629.3149.42021/6/1117.06 1533942号王海河181907076040102000012等额本息7.210.82019/7/72020/7/713492.2366.821751.4450.382021/6/195.76 1633943号高振林181908173800295000024等额本息913.52019/8/172021/8/1715520.52324.03179.336.112021/6/1100.37 1733944号唐磊181904087200184100024等额本息913.52019/4/82021/4/814030.01385.13794.6325.192021/6/190.44 1833945号陈昆181908142400566100024等额本息12.618.92019/8/142021/8/1414551.54491.9297.9716.62021/6/191.98 1933946号郭佳181907217350071500024等额本息11.1616.72019/7/212021/7/2113873.331507.991579.55251.922021/6/1115.16 2033947号罗海灿181904227280062500012等额本息913.52019/4/272020/4/2714855.02383.962648.4771.732021/6/1124.49 2133948号程勇181907275680123100024等额本息913.52019/7/272021/7/2713595.15505.86393.0322.752021/6/181.46 2233949号冯伟38190818163003200024等额本息913.52019/8/182021/8/191288.9873.256.185.212021/6/199.93 81908185820091800024等额本息913.52019/8/182021/8/1812354.84748593.1357.47 8190821132011100024等额本息913.52019/8/212021/8/21726.6547.239.14.04 2333950号何宗伟381904124100251000024等额本息9.36142019/4/122021/4/125110.27356.97449.3239.682021/6/196.15 8190607600045900024等额本息9.36142019/6/72021/6/75820.02368.8451.7539.26 8190705002017400024等额本息9.36142019/7/52021/7/52666.28178.01193.2518.45 2433951号简国江181908038510072900024等额本息12.618.92019/8/32021/8/313564.05701.25553.4744.332021/6/185.79 2533952号邓勇281907083650011000024等额本息11.8817.82019/7/82021/7/87323.36663.2730.1794.42021/6/1126.03 81907249000341000024等额本息11.8817.82019/7/242021/7/247717.13729.52722.99101.58 2633953号黄泓珵78190605306015500012等额本息11.1616.72019/6/52020/6/5438.22.7272.730.442021/6/193.83 8190624569003300024等额本息11.1616.72019/6/242021/6/241830.38128.33134.4713.55 8190727312008300012等额本息11.1616.72019/7/272020/7/27781.5113.61120.242.16 8190802170013400024等额本息11.1616.72019/8/22021/8/22603.08191.53177.6319.73 8190802200039400024等额本息11.1616.72019/8/22021/8/22603.08191.53177.6319.73 8190802304014400024等额本息11.1616.72019/8/22021/8/22603.08191.53177.6319.73 8190802370022400024等额本息11.1616.72019/8/22021/8/22603.08191.53177.6319.73 2733954号杨帅181907249600244800024等额本息12.2418.42019/7/242021/7/2417315.11713.16431.4929.622021/6/1131.12 2833955号林治钢181906110620094800024等额本息15.1222.72019/6/112021/6/1115164.96792.911004.7866.672021/6/24114.91 2933956号林显华281905217110052400024等额本息10.816.22019/5/212021/5/2113572.16747.221057.5773.662021/6/1115.55 8191008720070300012等额本息10.816.22019/10/82020/10/81540.2846.74200.066.63 3033957号崔爱斌181908219690016000024等额本息9.36142019/8/212021/8/2120036.11417.84146.247.132021/6/1157.59 3133958号陆俊峰181906067500313000024等额本息12.618.92019/6/62021/6/617179.141275.671379.87145.222021/6/1149.75 3233959号窦祥181907248750074800024等额本息15.1222.72019/7/242021/7/2413384.11466.83169.097.552021/6/175.34 3333960号刘泽伟181906122500213100024等额本息10.816.22019/6/122021/6/1215037.42811.28816.763.052021/6/1109.11 3433961号朱春娟181906226400345000024等额本息11.1616.72019/6/222021/6/2213559.83423.28310.914.72021/6/178.86 3533962号李昌成181907273500153000024等额本息12.618.92019/7/272021/7/2714685.64853.43644.8159.992021/6/1103.05 3633963号冯少鹏181907161300142800024等额本息11.1616.72019/7/162021/7/1615935.691031.52987.9391.512021/6/1125.58 3733964号陈洲181906270780072000024等额本息13.6820.52019/6/272021/6/2715497.941692.191878.52291.912021/6/1142.01 3833965号陈小云1819071354001914400024等额本息11.1616.72019/7/132021/7/1332693.39810.63444.1218.512021/6/1324.58 3933966号杜文文181907092770103400024等额本息913.52019/7/92021/7/914843.18478.61464.5820.322021/6/197.58 4033967号董燕181906292500285000024等额本息11.1616.72019/6/292021/6/2917914.99734.21645.9237.362021/6/1141.66 4133968号王涛181906076080214900024等额本息913.52019/6/72021/6/717318.86586.83647.5829.872021/6/1132.29 4233969号董辉广181907125200464300024等额本息913.52019/7/122021/7/129692.19485.75358.0619.22021/6/131.94 4333970号赖艺伟181906160340402500024等额本息11.1616.72019/6/162021/6/1614228.34930.791088.4398.192021/6/1104.32 4433971号王煜文181904075080173900012等额本息10.816.22019/4/72020/4/714320.54328.043302.1376.972021/6/24123.7 4533972号苟艳萍281904162410031600012等额本息10.816.22019/4/162020/4/165490.9868.011076.5513.472021/6/1119.54 81907239050061500012等额本息10.816.22019/7/232020/7/238945.35320.971586.461.44 4633974号郑慧芸18190624930009240006等额本息10.816.22019/6/242019/12/2414426.21198.693504.6249.492021/6/1127.24 4733976号严东瑞181904277950124500024等额本息10.816.22019/4/272021/4/2713908.65373.84611.9819.952021/6/186.43 4833977号师洪志181904039250162000024等额本息10.816.22019/4/32021/4/313805.081079.011745.34175.112021/6/1110.06 4933978号曾学文181904211440052700024等额本息15.1222.72019/4/212021/4/2113384.49941.451367.56123.032021/6/1113.93 5033979号尤永伟181907272150115800012等额本息10.0815.12019/7/272020/7/2714181103.041938.4913.842021/6/1102.95 5133980号徐红燕18190409437002180006等额本息15.1222.72019/4/92021/10/9/13325.85355.222301.29144.12021/6/1139.08 5233981号夏雪峰481907022600161000012等额本息9.36142019/7/22020/7/21732.0314.32233.351.932021/6/1105.42 82001156190021000012等额本息9.36142020/1/152021/1/57586.7293.53698.4531.82 8200203040049500012等额本息9.36142020/2/32021/2/33793.37148.91346.0116.02 820021337504220006等额本息9.3914.12020/2/132020/8/131343.6724166.533.12 5333982号凡华28190524868018320006等额本息10.0815.12019/5/242019/11/2410534.1884.392463.0119.252021/6/1118.88 819062556400770006等额本息10.0815.12019/6/252019/12/253543.952.03801.6111.96 5433984号黄紫洋181904286000372400024等额本息12.618.92019/4/282021/4/2814725.151166.531695.35174.822021/6/1122.02 5533985号何旭恒181904235940114100024等额本息10.0815.12019/4/232021/4/2318088.35818.561156.2567.912021/6/1151.64 5633987号杨红兵181904214540034000024等额本息11.8817.82019/4/212021/4/2114396.82630.28865.3549.242021/6/199.27 5733988号崔创181904229920181600024等额本息12.9619.42019/4/222021/4/2213611.371589.472166.52342.092021/6/1121.37 5833989号罗才智28190512964007800012按月结息到期还本7.210.82019/5/122020/5/125224.9217.6773.191.612021/6/1114.8 81905285900011000012按月结息到期还本7.210.82019/5/282020/5/28100005411075.98 5933990号陈明281904198120051800024等额本息12.618.92019/4/192021/4/198463.37569.321069.280.062021/6/24128.95 81904306950091200024等额本息12.618.92019/4/302021/4/306871.64511.88774.9174.92 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