陕西省西安市中级人民法院 民  事  裁  定  书   (2019)陕01民申589号 再审申请人（原审被告）：司亚平，女，1983年5月10日出生，汉族，住陕西省富平县。委托诉讼代理人：刘成渐，陕西秀林律师事务所律师。被申请人（原审原告）：陕西秦农农村商业银行股份有限公司青年路支行，住所地陕西省西安市莲湖区。负责人：李林，该支行行长。委托诉讼代理人：张鹏（该公司客户经理），男，1984年10月16日出生，汉族，住陕西省西安市莲湖区。被申请人（原审被告）：西安齐胜汽车服务有限公司，住所地陕西省西安市曲江新区。法定代表人：雷仓，该公司总经理。被申请人（原审被告）：田涛，男，1984年2月27日出生，汉族，住陕西省渭南市大荔县。再审申请人司亚平因与被申请人陕西秦农农村商业银行股份有限公司青年路支行（以下简称“秦农青年路支行”）、西安齐胜汽车服务有限公司（以下简称“齐胜公司”）、田涛金融借款合同纠纷一案，不服西安市莲湖区人民法院（2018）陕0104民初1210号民事判决，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。司亚平申请再审称，原判决认定涉案《个人车辆按揭借款合同》和《西安市车辆抵押合同》生效，缺乏证据证明。秦农青年路支行签合同当天把50万元贷款打入齐胜公司监管的田涛账户，经齐胜公司确认后，秦农青年路支行又将该50万元借款支付给齐胜公司，后来齐胜公司直接将该50万元给秦农青年路支行用于偿还贷款。秦农青年路支行作贷款人没有按约定把50万元支付给田涛，他没有支付给田涛交易的汽车销售商，最终自己又通过与其合作的齐胜公司将50万元贷款收回，所以涉案贷款没有按约定支付，借款合同没有生效。涉案《西安市车辆抵押合同》第十三条2约定，该车辆抵押合同自抵押登记之日起生效。事实上，案涉抵押合同签订后，齐胜公司作为担保人没有为田涛购买车辆，而是将收到的50万元直接归还了秦农青年路支行。田涛事实上没有收到贷款，也没有购买车辆，借款合同和抵押合同没有生效。司亚平依据《中华人民共和国民事诉讼法》第二百条第二项规定申请再审。秦农青年路支行提交意见称，原判决正确 。田涛提交意见称，账户是银行给其新办的，但没有通知其领卡，资金到账也没有向其通知，50万元贷款打入新办理的账户后就作为齐胜公司的还款被直接扣回去了，其没有拿到贷款，也没有买车。本院经审查认为, 司亚平以共同借款人身份与田涛共同在借款合同、抵押合同、借款人承诺书、委托提（购）车协议、划款扣款授权书、共同还款承诺函等文件上签字，应系借款合同的共同借款人和还款人。秦农青年路支行依约给田涛设立账户并向该账户内划转贷款金额，已履行了相应的合同义务，而田涛、司亚平未依约全面履行还款义务，其行为构成违约，现秦农青年路支行诉请田涛、司亚平偿还借款本金及利息，符合借款合同的约定及法律规定，依法应予支持。司亚平认为借款合同没有生效缺乏事实及法律依据，其主张原判决认定的基本事实缺乏证据证明的再审事由不成立。综上，司亚平的再审申请不符合《中华人民共和国民事诉讼法》第二百条第二项规定的情形。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：驳回司亚平的再审申请。                                                                                                                                                            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