陕西省西安市中级人民法院 民  事  判 决 书   （2020）陕01民终13346号 上诉人（原审被告）:田星。委托诉讼代理人：苏建峰，西安市莲湖区148法律服务所法律服务工作者。被上诉人（原审原告）：中国银行股份有限公司西安西咸新区支行。负责人：荀雪红，该支行行长。委托诉讼代理人：黄春峰，陕西朗恒律师事务所律师。上诉人田星因与被上诉人中国银行股份有限公司西安西咸新区支行金融借款合同纠纷一案，不服西安市长安区人民法院（2020）陕01**民初6032号民事判决，向本院提起上诉。本院于2020年9月18日立案后，依照《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》之规定，本案适用普通程序，由审判员季立耘独任审理。本案现已审理终结。田星上诉请求：1.撤销一审判决，发回重审或依法改判驳回中国银行股份有限公司西安西咸新区支行的诉讼请求；2.一、二审诉讼费用由中国银行股份有限公司西安西咸新区支行承担。事实和理由：一审法院认定事实不清，判决错误。本案应将西安飞逸汽车信息服务有限公司追加为共同被告；西安飞逸汽车信息服务有限公司2017年将其所购轿车开走并过户至该公司法定代表人杨敏名下，中国银行股份有限公司西安西咸新区支行与西安飞逸汽车信息服务有限公司恶意串通损害其合法利益；中国银行股份有限公司西安西咸新区支行不能片面依据《信用卡汽车专向分期付款合同》就向其起诉要钱，因为其没有收到中国银行股份有限公司西安西咸新区支行的款项。中国银行股份有限公司西安西咸新区支行辩称，田星称自己购买的车辆被第三人强制过户到杨敏名下，与本案无关，且其支行并没有参与该事实；田星购买的车辆并未办理抵押登记；车辆的买卖过户必须由车辆产权人到场签字确认才能交易，车辆已经过户到杨敏名下，系田星的自愿行为；故，一审判决事实认定清楚，适用法律正确，应予维持，田星的上诉请求不能成立，应予驳回。中国银行股份有限公司西安西咸新区支行向一审法院起诉请求：1.判令田星偿还借款本金50664元，利息7918.42元，应收费用11572.3元（以上费用暂计算至2020年3月25日），以上共计70154.72元，及自2020年3月26日至实际清偿之日止的利息，应收费用；2.田星承担诉讼费用。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              一审法院认定事实：2016年11月4日，中国银行股份有限公司西安西咸新区支行与田星签订《信用卡汽车专向分期付款合同》，约定由中国银行股份有限公司西安西咸新区支行向田星贷款152000元用于田星购买汽车，该合同还对信用卡专项分期额度及期限、用途、手续费、分期额度的使用前提、款项的偿还、提前结清、担保等内容进行了约定。此后，中国银行股份有限公司西安西咸新区支行按照田星的申请将152000元贷款划入西安飞逸汽车信息服务有限公司账户，完成了支付义务。合同履行过程中，田星从2019年2月起再未向中国银行股份有限公司西安西咸新区支行偿还借款。2020年4月，中国银行股份有限公司西安西咸新区支行以上述诉称诉至法院。审理过程中，田星申请追加西安飞逸汽车信息服务有限公司为共同被告未获批准。庭审中，为证明诉讼主张成立，中国银行股份有限公司西安西咸新区支行向法院提供以下证据：1.《信用卡汽车专向分期付款合同》、划款通知书、付款回单各1份，证明中国银行股份有限公司西安西咸新区支行履行了发放贷款义务；2.中国银行电子系统欠款明细、对账单，证明田星从2019年2月起未按约定向中国银行股份有限公司西安西咸新区支行按期还款，中国银行股份有限公司西安西咸新区支行有权解除合同，提前收回下余全部贷款，包含本金50664元，利息7918.42元，应收费用11572.3元。经质证，田星对证据1真实性和证明目的不认可，对证据2真实性认可，证明目的不认可，田星名下的汽车已转让给西安飞逸汽车服务有限公司法人名下，车辆过户后从2017年6月7日后田星再未还过款，均是车辆购买人以田星名义还款，车辆所有权已不属于田星，故田星不应再承担还款义务；为证明答辩主张，田星提供以下证据：1.购车证明1份，证明田星购买的车辆金额为217300元；证据2.二手车统一销售发票一份，证明田星所购车辆在2017年6月7日以95000元低价转让至杨敏名下；3.民事裁定书1份，证明田星起诉西安飞逸汽车信息服务有限公司合同纠纷案田星撤诉结案；4.中国银行信用卡账单4份，证明案外人西安飞逸公司汽车信息服务有限公司以田星名义还款情况。经质证，中国银行股份有限公司西安西咸新区支行对田星提供证据真实性均无异议，但认为均与案件无关，田星与西安飞逸汽车服务有限公司之间系侵权法律关系，案件系借款合同纠纷。经征求双方调解意见，因中国银行股份有限公司西安西咸新区支行不同意调解，调解程序未进行。一审法院认为，公民法人的合法民事权益依法受法律保护，田星拖欠中国银行股份有限公司西安西咸新区支行部分借款本息及应收费用的事实，有中国银行股份有限公司西安西咸新区支行向法庭提供的相关证据佐证，田星对其真实性亦无异议，法院对该节事实依法予以认定；关于田星认为案外人西安飞逸汽车信息服务有限公司将自己贷款所购车辆私自开走，拖欠中国银行股份有限公司西安西咸新区支行剩余贷款本息及相应费用由案外人归还的辩称理由无法律依据，法院依法不予采信，田星作为信用卡专项分期付款合同的借款人，理应承担相应的还款义务；综上，中国银行股份有限公司西安西咸新区支行诉讼请求成立，法院予以支持，一审法院依据《中华人民共和国合同法》第一百九十六条、第二百零五条规定，判决：一、田星于判决生效后十日内偿还中国银行股份有限公司西安西咸新区支行借款本金50664元，截止2020年3月25日的欠款利息7918.42元，应收费用11572.3元；二、上述借款本金自2020年3月26日起直至还清之日止的欠款利息由田星按双方签订的《信用卡汽车专向分期付款合同》的约定支付。案件受理费1554元，中国银行股份有限公司西安西咸新区支行已预交，减半收取777元，由田星承担。二审中，当事人没有提交新证据。本院二审查明的事实与一审法院查明的事实相同。本院认为，民事主体的财产权利以及其他合法权益受法律保护。二审中，当事人争议的焦点问题为：一审法院认定的借款本金、利息以及应收费用是否妥当？本案是否需追加案外人西安飞逸汽车信息服务有限公司为当事人？本案中，中国银行股份有限公司西安西咸新区支行以金融借款合同纠纷为由提起诉讼，并提供了《信用卡汽车专向分期付款合同》、划款通知书、付款回单、中国银行电子系统欠款明细、对账单等证据，真实可信，内容相互印证，能够形成完整证据链，证明本案所涉事实。《信用卡汽车专向分期付款合同》明确载明借款人田星、借款人授权贷款人将交易款项划付至借款人所购汽车经销商的专用账户、账户名西安飞逸汽车信息服务有限公司；划款通知书一式三联，明确载明了“将授信款项划入商户指定账户中，入账户名：西安飞逸汽车信息服务有限公司”；结合付款回单内容，足以证明中国银行股份有限公司西安西咸新区支行已依据双方约定履行了152000元贷款发放义务。田星称其未收到款项、西安飞逸汽车信息服务有限公司应为本案共同被告。案涉《信用卡汽车专向分期付款合同》上有田星签名及捺印，内容清晰明确，中国银行股份有限公司西安西咸新区支行将贷款划转至西安飞逸汽车信息服务有限公司账户，符合合同约定，与田星购车、还款情形亦能够印证。田星作为完全民事行为能力人，理应知晓与金融机构签订《信用卡汽车专向分期付款合同》、以银行授信方式购车分期还款的法律后果。田星未提供证据证明中国银行股份有限公司西安西咸新区支行与案外人恶意串通损害其合法权益、其曾向中国银行股份有限公司西安西咸新区支行披露车辆转移登记等情形，田星上诉理由，理据不足，本院依法不予采信。田星与案外人西安飞逸汽车信息服务有限公司之间纠纷，本案不予涉及。一审法院依据中国银行股份有限公司西安西咸新区支行之诉请，结合对全案证据的审核认定，就本案所作认定与处理，于法有据，并无不当。综上所述，田星的上诉请求不能成立，应予驳回；一审判决认定事实清楚，适用法律正确，应予维持。依照《中华人民共和国民事诉讼法》第一百七十条第一款第一项规定，判决如下：驳回上诉，维持原判。二审案件受理费777元，由上诉人田星负担。本判决为终审判决。   审   判   员    季 立 耘                        二○二○年十一月十九日 书   记   员   张    典               附件：《民事诉讼程序繁简分流改革试点实施办法》第十八条  第二审人民法院审理上诉案件应当组成合议庭审理。但事实清楚、法律适用明确的下列案件，可以由法官一人独任审理：（一）第一审适用简易程序审理结案的；（二）不服民事裁定的。第二十七条 本办法仅适用于北京、上海市辖区内中级人民法院、基层人民法院，南京、苏州、杭州、宁波、合肥、福州、厦门、济南、郑州、洛阳、武汉、广州、深圳、成都、贵阳、昆明、西安、银川市中级人民法院及其辖区内基层人民法院，北京、上海、广州知识产权法院，上海金融法院，北京、杭州、广州互联网法院。本办法所称的人民法院，是指纳入试点的人民法院；所称的第二审人民法院，包括纳入试点的中级人民法院、知识产权法院和金融法院；所称的中级人民法院、基层人民法院包括试点地区内的铁路运输中级法院和基层法院。    1