西安市临潼区人民法院 民 事 判 决 书                          （2021）陕0115民初1424号原告：姚生银，男，1962年5月2日出生，汉族，农民，住西安市临潼区斜口街道房河村姚西组。被告：姚碧龙，男，1996年1月4日出生，汉族，农民，住西安市临潼区斜口街道房河村姚西组。原告姚生银与被告姚碧龙民间借贷纠纷一案，本院于2021年2月23日立案后，本案根据《中华人民共和国民事诉讼法》第三十九条第一款及《最高人民法院关于印发的通知》规定，本案由审判员柴亚桃适用普通程序独任审理，公开开庭进行了审理。原告姚生银到庭参加诉讼，被告姚碧龙公告送达开庭传票未到庭参加诉讼。本案现已审理终结。姚生银向本院提出诉讼请求：1.依法判令第一被告返还原告借款本金40000元，并按照年息15.4%支付利息（2017年1月1日起至2020年11月1日止）24126元，共计人民币64126元；2.依法判令第二被告及第三被告对第一被告的还款承担连带责任；3.本案诉讼费由被告承担。诉讼过程中，姚生银变更诉讼请求为：申请撤销对第二、第三被告的起诉，放弃第二项诉讼请求，不要求杨平虎、姚增利承担连带责任。事实和理由：原、被告系同村村民，2015年12月第一被告因做生意向原告借款，12月20日原告将4万元交付给第一被告，第一被告给原告出具借条写明“今借到姚生银肆万元整，并达成协议，期限为一年。从借钱日计起，利息为一分五厘，即一年利息为7200元整，一年一清，到期还清，不得违约”。告于2015年12月20日将4万元借款交付给被告，约定还款期限为一年，并约定还款利息为一年7200元。同时第二被告及第、三被告作为担保人，为第一被告提供了担保并在借条上签字借款协议上签字。在约定的还款期限届满后，第一被告未能及时清偿借款及利息。经原告多次此催要，第一被告于2017年1月1日向原告支付利息7200元，后以后第一被告于2017年1月1日支付原告利息（自2015年12月20日至2016年12月20日止）7200元，此后再无还款。原告为维护自身合法权益，故诉至法院请求判如所请。    姚碧龙未作答辩。当事人围绕诉讼请求依法提交了证据，对当事人提交的借条及证人证言，本院予以认定并在卷佐证。根据当事人陈述和经审查确认的证据，本院认定事实如下：姚生银、姚碧龙系同村村民，姚增利系姚生银的伯父。2015年12月20日被告因做生意向原告借款4万元，被告给原告书写借条并签字，内容为借条约定：“今借到姚生银人民币肆万元整，并达成协议，期限为一年。从借钱日计起利息为一分五厘，即一年利息为7200元整，一年一清，到期还清，不得违约，借钱人：姚碧龙，担保人:杨平虎、姚增利,日期：2015年12月20日。”姚碧龙今借到姚生银人民币肆万元整，并达成协议，期限为一年。借款利息为一分五厘，即一年利息为7200元整，一年一清。第二天当天原告向被告现金支付现金40000元。借款到期后被告未偿还借款，原告多次向被告多次催款要，被告的伯父姚增利清偿了原告一年的给付利息7200元，后被告未再未清偿借款及利息其余债务。审理中，被告姚碧龙经公告送达开庭传票经传票传唤，未到庭参加诉讼无正当理由拒不到庭，致调解程序无法进行。上述事实，有借条、证人证言、身份证明、调查笔录证据载卷，足以证实。本院认为，自然人之间合法的借贷关系受法律保护，借款人应当按照约定的期限返还借款。本案中，姚生银与姚碧龙以出具借条的形式达成借款合意，姚生银提供借款时借款合同生效，借款合同不违反法律、法规的规定，借款人应当返还借款。根据原告提交的借条原件以及相关证人所提供证言，可以认定被告向原告借款4万元及双方约定利息的事实，故原告请求被告偿还借款4万元本金，本院予以支持。以及利息23613元，以40000元为基数（自2017年1月1日起至2020年11月1日止按照全国银行间同业拆借中心一年期贷款市场报价利率四倍15.4%计息）23614元的请求，符合法律、法规的规定，本院予以支持本院予以支持。原告庭审中变更请求为申请撤销对第二、第三被告的起诉，现在放弃第二项诉讼请求，不要求杨平虎、姚增利承担连带责任，本院予以许可支持。被告经本院经公告送达开庭传票，未到庭参加诉讼送达传票传唤未到庭参加诉讼,视为放弃诉讼权利。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       综上所述，原告的部分诉讼请求本院依法予以支持。依照《中华人民共和国合同法》第一百九十六一十四条、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》第二十五条及《中华人民共和国民事诉讼法》第六十四条、第一百四十四条规定，判决如下：本判决生效后十日内，被告姚碧龙清偿原告姚生银借款40000元及利息23613元，共计63613元。;如果未按判决指定的期间履行给付金钱义务，应当按照《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1403元，由姚碧龙负担。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   柴亚桃                          二○二一年六月二十五日                        书  记  员   任  瑶1