广东省深圳市福田区人民法院 民 事 判 决 书 （2020）粤0304民初59812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。 法定代表人李建红，董事长。 委托诉讼代理人陈一凡，广东广深律师事务所律师。 委托诉讼代理人范雪珂，广东广深律师事务所实习律师。 被告崔月鹏等52人（详细信息详见附表一）。 上列原告诉各案被告金融借款合同纠纷五十二案，本院立案受理后，依法适用简易程序，于2020年12月22日公开开庭进行了审理。原告委托代理人陈一凡、范雪珂及被告59817号黄茂浪到庭参加诉讼，其他各案被告经本院合法传唤未到庭参加诉讼，本院依法缺席审理。五十二案现已审理终结。 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。 59817号被告黄茂浪开庭时确认欠款属实，因目前债务较多，希望能分期还款。 59823号被告郭建均提交了书面答辩状，确认欠款属实，答辩称因生活困难导致逾期，希望法院酌情判决。 其余各案被告未提交书面答辩意见，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。部分被告在原告起诉后有部分还款，各案被告的欠款情况已更新至2020年12月15日。 另查，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。2020年11月10日，中金公司对本次审理的五十二案出具了《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记录为证。 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。除59817号案件之外的各案被告经本院合法传唤无正当理由未到庭参加诉讼，视为其放弃抗辩的权利，应自行承担对其不利的法律后果。 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、第一百四十四条之规定，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（已依法减半收取，均已由原告预交，金额详见附表二），由各被告负担。 如不服本判决，可在判决书送达之日起十五日内，向本院提交上诉状，并按对方当事人的人数提出副本，上诉于广东省深圳市中级人民法院，并应在收到交费通知之日起七日内向该法院预交上诉案件受理费。逾期不交的，按自动撤回上诉处理。 审判员  魏巍 二〇二〇年十二月二十四日 书记员  李云 附表二 序号案号被告贷款 编号合同金额 （额度金额）贷款 期限（月）利息年利率（%）罚息、复利年利率（%）贷款发放日贷款到期日法院判决 本金利息罚息复息暂计日期诉讼费 159794号崔月鹏8190925273002300000246.8410.262019/9/252021/9/25300000.0017977.489290.481145.332020/12/152941.09 259795号严斌819112600700390000366.8410.262019/11/262022/11/2657473.381579.02172.4729.672020/12/152936.22 8191126650054130000366.8410.262019/11/262022/11/26116833.894873.77860.71153.162020/12/15 8191127085001100000366.8410.262019/11/272022/11/2789872.223749.06662.08121.642020/12/15 359796号刘伟8190928205018300000246.8410.262019/9/282021/9/28288297.9816004.368188.77944.942020/12/152853.19 459797号段敬恪8190926904015300000246.489.722019/9/262021/9/26287258.5414401.027916.25777.162020/12/152831.84 559798号李愉8190924525011300000246.489.722019/9/242021/9/24276339.2813658.946994.40714.732020/12/152751.32 659799号侯姣清8190924822013300000246.489.722019/9/242021/9/24275104.2813151.136832.78647.692020/12/152746.93 759800号杜建梅819041741603028000126.489.722019/4/172020/4/178359.720.00735.500.002020/12/152730.58 819041750008628000126.489.722019/4/172020/4/1728000.00146.161829.529.552020/12/15 819041764402228000126.489.722019/4/172020/4/1728000.00146.161829.529.552020/12/15 819041777603028000126.489.722019/4/172020/4/1728000.00146.161829.529.552020/12/15 819041790006028000126.489.722019/4/172020/4/1728000.00146.161829.529.552020/12/15 819041817001347000126.489.722019/4/182020/4/1847000.00253.803058.2916.512020/12/15 819041847500547000126.489.722019/4/182020/4/1847000.00253.803058.2916.512020/12/15 819041897800539000126.489.722019/4/182020/4/1839000.00210.602537.7313.702020/12/15 859801号刘锟8200227631003270000126.129.182020/2/272021/2/27270000.004819.500.0047.222020/12/152690.10 959802号陈新红8191106912012250000366.129.182019/11/62022/11/6207279.4211738.251573.93475.902020/12/152547.64 1059803号白平章8191109363001250000346.129.182019/11/92022/9/9177174.636280.20867.45156.072020/12/152499.86 1159804号王**超819101032202390000366.8410.262019/10/102022/10/1038399.611048.88121.1216.702020/12/152396.11 819102004003550000366.8410.262019/10/202022/10/2039755.781089.20121.9017.402020/12/15 819102008401120000366.8410.262019/10/202022/10/2015902.31435.6849.588.142020/12/15 819102040003020000366.8410.262019/10/202022/10/2015902.31435.6849.588.142020/12/15 819102041400520000366.8410.262019/10/202022/10/2015902.31435.6849.588.142020/12/15 819121002003330000366.8410.262019/12/102022/12/1026961.671124.70195.3934.722020/12/15 819121026600840000366.8410.262019/12/102022/12/1035948.891499.62264.8348.672020/12/15 81912118950205000366.8410.262019/12/112022/12/114874.48247.8750.3110.052020/12/15 1259805号戴圆圆8191025560043225000366.8410.262019/10/252022/10/25225000.0014846.894141.21869.932020/12/152364.10 1359806号肖金媛8191030808019230000366.129.182019/10/302022/10/30158981.171938.7891.7911.882020/12/152354.52 1459807号李炳成819042460802250000368.2812.422019/4/242022/4/2434909.861801.78380.7968.162020/12/152307.38 8190515676021100000368.2812.422019/5/152022/5/1574657.333764.37882.79156.722020/12/15 819070167502240000368.2812.422019/7/12022/7/130908.281568.17350.0563.452020/12/15 819082649800280000368.2812.422019/8/262022/8/2665955.123383.43691.82137.792020/12/15 819092214001510000368.2812.422019/9/222022/9/228500.38432.2283.4017.142020/12/15 1559808号宋杰819072814800974000246.8410.262019/7/282021/7/2853449.172151.951046.9588.222020/12/152286.03 819080108802850000246.8410.262019/8/12021/8/136114.361470.45707.3860.812020/12/15 819080198801650000246.8410.262019/8/12021/8/136114.361470.45707.3860.812020/12/15 819080326000550000246.8410.262019/8/32021/8/336114.361470.45707.3860.812020/12/15 819122309100335000366.8410.262019/12/232022/12/2333237.711577.41309.8160.762020/12/15 820021202401619000366.8410.262020/2/122023/2/1219000.00984.63166.2940.422020/12/15 1659809号黄国强8190425684019300000366.129.182019/4/252022/4/25165163.311589.0059.276.012020/12/152281.79 1759810号陈乐忠8191106624025255000316.129.182019/11/62022/6/6183525.706697.341631.58193.492020/12/152273.84 1859811号谢金融8190820310018253000366.489.722019/8/202022/8/20207569.487895.751515.87234.112020/12/152233.45 1959812号李坤坤8190509347003200000126.129.182019/5/92020/5/9199826.430.0010155.200.002020/12/152168.30 2059813号刘彦平8190507287007250000126.129.182019/5/72020/5/7158689.050.008583.380.002020/12/152105.00 2159815号魁学玉819101770003450000246.8410.262019/10/172021/10/1750000.003082.561337.15190.662020/12/151992.73 8191018308013100000246.8410.262019/10/182021/10/18100000.006180.472685.43386.062020/12/15 819102602200530000246.8410.262019/10/262021/10/2620000.001205.69537.0874.062020/12/15 819111271700310000246.8410.262019/11/122021/11/1210000.00570.55268.5433.662020/12/15 2259816号刘海华8190522792029241000367.2010.802019/5/222022/5/22172674.627798.851643.83272.322020/12/151976.44 2359817号黄茂浪81904096240102290003610.0815.122019/4/92022/4/9144136.038156.761719.42343.762020/12/151832.94 2459818号谢孔党8190504504006200000367.2010.802019/5/42022/5/4148563.715814.351383.87183.042020/12/151732.84 819053177200910000367.2010.802019/5/312022/5/317169.51279.8458.568.712020/12/15 2559819号朱华安8190517040050161000249.3614.042019/5/172021/5/1797353.894252.442421.67192.332020/12/151702.12 820031421900657000249.3614.042020/3/142022/3/1454831.142773.62628.27109.142020/12/15 2659820号封雪容8200207680035170000246.8410.262020/2/72022/2/7149996.385324.891351.32156.012020/12/151671.26 2759821号王宗波8191017569005150000366.129.182019/10/172022/10/17125148.926685.17761.52254.832020/12/151635.77 2859822号秦长斌8190419170027188000366.8410.262019/4/192022/4/19137011.215788.061748.05212.922020/12/151616.83 81906080300184000126.8410.262019/6/82020/6/84000.0038.00216.602.182020/12/15 2959823号郭建均8190523029008250000125.768.642019/5/232020/5/23119640.010.006156.300.002020/12/151566.24 3059824号吴涛8191221338010156000366.129.182019/12/212022/12/21136003.523935.14551.9383.452020/12/151519.58 3159825号高雨81907021820075000126.8410.262019/7/22020/7/24514.610.00100.360.002020/12/151452.78 819081144200532000366.8410.262019/8/112022/8/1123757.48676.4090.0313.382020/12/15 819081523300620000366.8410.262019/8/152022/8/1514848.44422.7749.367.142020/12/15 819081780601120000366.8410.262019/8/172022/8/1714848.44422.7749.367.142020/12/15 819081956800220000366.8410.262019/8/192022/8/1914848.44422.7749.567.122020/12/15 819082116802820000366.8410.262019/8/212022/8/2114848.44422.7749.167.172020/12/15 819082486801420000366.8410.262019/8/242022/8/2414445.74547.01224.3619.732020/12/15 819082980800120000366.8410.262019/8/292022/8/2914848.44422.7749.367.142020/12/15 3259826号刘罗叶8190415552022153000367.2010.82019/4/152022/4/15113749.865691.111696.49250.822020/12/151445.05 819090753601810000367.2010.82019/9/72022/9/78479.20396.1985.4415.012020/12/15 81910141080235000367.2010.82019/10/142022/10/143980.06131.3916.702.822020/12/15 3359827号杜金星819110841300250000246.8410.262019/11/82021/11/839512.611983.32819.9184.922020/12/151324.13 819110992803072000246.8410.262019/11/92021/11/967653.343234.281450.84154.732020/12/15 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