广东省深圳市福田区人民法院 民 事 判 决 书 （2020）粤0304民初56657、56658、56659、56660、56661、56662、56663、56664、56665、56666、56667、56668、56669、56670、56672、56674、56676、56677、56688、56689、56690、56691、56692、56693、56694、56697、56699、56700、56701、56702、56703、56704、56705、56706、56707、56708、56710、56712、56713、56714、56715、56718、56719、56720、56722、56723、56724、56726、56727、56728、56729、56730、56731、56732、56734、56736、56738、56740、56741、56742、56743、56744、56746、56747、56748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**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。 委托代理人张琪，广东嘉得信律师事务所律师。 被告许艳波等人（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六十五案，本院立案受理后，于2020年11月27日适用简易程序公开开庭进行了审理，原告委托代理人张琪到庭参加诉讼，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。各案现已审理终结。 原告诉称，各被告通过招商银行电子银行向原告申请“代发信用贷款”（闪电贷）授信额度，各案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。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（含罚息）、复息（均暂计至相应日期，此后按照合同约定计至实际履行完毕之日止）（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。 各案被告均未提交答辩意见或证据，开庭时均缺席。 庭审时，原告明确暂计日之后的具体诉求：罚息以未还本金为基数按照合同约定的利率上浮50%计收至清偿之日止，复息以未还利息为基数，按照合同约定利率上浮50%计收至清偿之日止。 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。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》，如被告是通过手机银行登录，须验证账号、密码或者指纹等信息；如被告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，在提交贷款申请前被告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，原告认为必要时，会通过视频或电话核实身份。 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。中金公司对该六十五案出具了《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，并验证各合同的pdf文档在电子签章后未被修改，且提供了上述合同的哈希值。该哈希值与本院验证的原告提交的《额度借款合同》电子版所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。 又，根据原告与各被告签订的合同，被告如未按合同的约定按时足额偿还贷款本息的，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（日利率=年利率/360）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。原告为实现债权而支付的律师费、诉讼费、仲裁费等所有费用，均由被告全数负担。各合同后附的贷款要素列表载明有贷款金额、利率、贷款期限、放款时间、到期时间、还款方式等信息（详见附表二）。 各合同亦就法律文书等的送达方式及地址进行约定，各被告在合同中确认并同意相关通讯地址、电话号码等为其在合同项下各项商业文书/法律文书的司法送达地址，并约定如上述送达地址有变更的，被告应当在变更之日起5个工作日内书面告知或前往原告所属分支机构的柜面申请变更，否则按该确认载明的地址和联系方式进行的送达仍然有效，被告自行承担由此产生的法律后果。各合同所称商业文件包括但不限于对账单、合同履行通知、业务操作通知等；法律文书包括但不限于：违约通知、提前到期通知、逾期催收函、诉前／诉讼保全文书、起诉状（或仲裁申请书）及证据、传票、应诉通知书、举证通知书、开庭通知书、判决书（裁决书）、裁定书、调解书、限期履行通知书、评估价告知通知书、拍卖裁定书等。 另查，合同签订后原告依约向各被告指定账户足额发放了贷款，但各案被告未按约定还款（部分被告立案之后有还款，原告提交了新的账单），截至清单生成日，被告尚欠原告贷款本金、利息、罚息、复息（详见附表二）。 再查，本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》、贷款放款清单明细、账户交易流水、贷款清单、数字签名验证报告等证据以及本院的电子证据验证核对笔录和庭审笔录为证。 本院认为，原告提交给本院的《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，故本院依法确认原告提交的各合同即为原告与各被告在线签署的合同。各合同系各方当事人真实意思表示，未违反法律法规强制性规定，合法有效，各方应全面诚实履行合同义务。原告依约发放贷款后，各案被告未能按合同约定履行还款义务，构成违约，应承担相应的民事责任。原告要求各案被告偿还尚欠的贷款本金及利息、罚息和复息，有事实和法律依据，本院予以支持。 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，当庭判决如下： 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，按附表二的罚息、复息利率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。 各案案件受理费均已由原告预交（详见附表一），由各案被告负担（详见附表二）。 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，并应在收到缴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 陈 玲 二〇二〇年十一月二十七日 书记员 陈斯昕 下续附表 附表二（金额：元） 序号案号被告贷款编号贷款本金贷款期限（月）还款方式利息年利率（%）罚息、复息年利率（%）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罚息、复息暂计日期诉讼费 156657号许艳波81906272790034100024按月结息，按月还本，等额本息913.52019-6-272021-6-2719105.21946.29234.8829.632020-11-13218.43 256658号潘恩来81908189230023200024按月结息，按月还本，等额本息9.3614.042019-8-182021-8-1824550.45941.75198.9127.672020-8-20221.48 356659号任树敏81908024740144000024按月结息，按月还本，等额本息7.9211.882019-8-22021-8-225734.85531.571.056.952020-8-20229.3 456660号朱丽燕81904210800253900036按月结息，按月还本，等额本息6.8410.262019-4-212022-4-2125827.7691.2598.8413.122020-11-13242.61 556661号周锡勇81906092750241900024按月结息，按月还本，等额本息9.3614.042019-6-92021-6-98349.19132.7112.91.022020-11-13246.73 81906097090093000024按月结息，按月还本，等额本息9.3614.042019-6-92021-6-916942.17576.83132.9911.522020-11-13 656662号王永华8190722500082500024按月结息，按月还本，等额本息913.52019-7-222021-7-223229.2768.717.30.842020-8-20247.14 8190722589001500024按月结息，按月还本，等额本息913.52019-7-222021-7-223229.2768.717.30.842020-8-20 81907229760311000024按月结息，按月还本，等额本息913.52019-7-222021-7-226458.42137.4214.61.692020-8-20 8190723630028500024按月结息，按月还本，等额本息913.52019-7-232021-7-233229.2768.717.30.842020-8-20 8190725345001500024按月结息，按月还本，等额本息913.52019-7-252021-7-253229.2768.717.30.842020-8-20 8190806520110400024按月结息，按月还本，等额本息913.52019-8-62021-8-62583.3854.975.840.682020-8-20 8190807180044500024按月结息，按月还本，等额本息913.52019-8-72021-8-73229.2768.717.30.842020-8-20 8190807745016300024按月结息，按月还本，等额本息913.52019-8-72021-8-71937.5741.224.380.52020-8-20 756663号马涛81907114960221000024按月结息，按月还本，等额本息6.8410.262019-7-112021-7-115431.13104.8726.361.522020-11-13259.33 81907222970022000024按月结息，按月还本，等额本息6.8410.262019-7-222021-7-2212817.79370.61111.298.982020-11-13 8190725535010200024按月结息，按月还本，等额本息6.8410.262019-7-252021-7-251281.7837.0711.130.892020-11-13 8190729808036300024按月结息，按月还本，等额本息6.8410.262019-7-292021-7-291922.6755.616.691.352020-11-13 8191001070009100012按月结息，按月还本，等额本息6.8410.262019-10-12020-10-1423.347.1311.570.242020-11-13 8191007769001100036按月结息，按月还本，等额本息6.8410.262019-10-72022-10-7821.2726.083.550.612020-11-13 8191027192010100036按月结息，按月还本，等额本息6.8410.262019-10-272022-10-27847.2426.993.520.622020-11-13 8191110352019500036按月结息，按月还本，等额本息6.8410.262019-11-102022-11-103579.2421.710.080.012020-11-13 856664号李洪81907081920141000012按月结息，按月还本，等额本息9.3614.042019-7-82020-7-8869.354.9714.580.082020-8-20259.62 81908199660031200012按月结息，按月还本，等额本息9.3614.042019-8-192020-8-193527.9241.2423.120.362020-8-20 8200127090006300006按月结息，按月还本，等额本息9.3614.042020-1-272020-7-2715174.82212.16243.984.222020-8-20 820020351201760006按月结息，按月还本，等额本息9.3614.042020-2-32020-8-33034.9544.2846.020.852020-8-20 820021713500680006按月结息，按月还本，等额本息9.3614.042020-2-172020-8-175374.6694.9555.631.522020-8-20 956665号郭言发81904186340155400024按月结息，按月还本，等额本息913.52019-4-182021-4-1825954.2538.0883.746.822020-8-20281.89 8190810644017600024按月结息，按月还本，等额本息913.52019-8-102021-8-103875.0683.239.041.052020-8-20 1056666号范俊峰81908263790055600012按月结息，按月还本，等额本息913.52019-8-262020-8-2615644.54193.35697.357.672020-11-13295.87 82002041340111800012按月结息，按月还本，等额本息913.52020-2-42021-2-412178.4341.55165.258.92020-11-13 1156667号李金鹏81907249880135000024按月结息，按月还本，等额本息913.52019-7-242021-7-2432292.22708.8989.159.412020-8-20313.75 1256668号郭武钢81904288040155000024按月结息，按月还本，等额本息913.52019-4-282021-4-2828192.81835.8490.4814.172020-8-20331.3 8190726981002300012按月结息，按月还本，等额本息913.52019-7-262020-7-261030.0622.8315.20.52020-8-20 8191018582005700012按月结息，按月还本，等额本息913.52019-10-182020-10-184159.4115.4525.362.052020-8-20 1356669号杨远坤81907298520184200024按月结息，按月还本，等额本息9.3614.042019-7-292021-7-2926974.69406.3535.8432020-8-20340.34 8200108998030900024按月结息，按月还本，等额本息9.3614.042020-1-82022-1-87614.09176.6914.382.362020-8-20 1456670号曾永斌81907024840131500012按月结息到期还本10.0815.122019-7-22020-7-21500071.4350.40.242020-8-20344.57 81908193700172000012按月结息到期还本10.0815.122019-8-192020-8-1920000431.28.43.962020-8-20 56672号 56672号 王文豹 王文豹 81904262000472000024按月结息，按月还本，等额本息9.3614.042019-4-262021-4-268788.6213.4155.23.732020-11-13 377.28 377.28 81904306280241700024按月结息，按月还本，等额本息9.3614.042019-4-302021-4-307470.33192.2646.923.542020-11-13 8190505150007500024按月结息，按月还本，等额本息9.3614.042019-5-52021-5-52197.1556.5513.81.032020-11-13 8190508546014100024按月结息，按月还本，等额本息9.3614.042019-5-82021-5-8439.4111.312.760.222020-11-13 8190509656034200024按月结息，按月还本，等额本息9.3614.042019-5-92021-5-9878.8822.635.520.412020-11-13 8190510252011200024按月结息，按月还本，等额本息9.3614.042019-5-102021-5-10878.8822.635.520.412020-11-13 8190511690017200024按月结息，按月还本，等额本息9.3614.042019-5-112021-5-11878.8822.635.520.412020-11-13 8190512420007100024按月结息，按月还本，等额本息9.3614.042019-5-122021-5-12439.4111.312.760.222020-11-13 8190512828009200024按月结息，按月还本，等额本息9.3614.042019-5-122021-5-12878.8822.635.520.412020-11-13 8190629600087100024按月结息，按月还本，等额本息9.3614.042019-6-292021-6-29511.2313.852.440.252020-11-13 8190629843005200024按月结息，按月还本，等额本息9.3614.042019-6-292021-6-291046.6127.695.440.52020-11-13 8190630480045300024按月结息，按月还本，等额本息9.3614.042019-6-302021-6-301569.8841.548.150.752020-11-13 8190726406001200024按月结息，按月还本，等额本息9.3614.042019-7-262021-7-261129.530.195.390.552020-11-13 1656674号张圣贤81905240850138800022按月结息，按月还本，等额本息913.52019-5-242021-3-2429439.41753.91284.811.712020-11-13442.58 8190614125034400024按月结息，按月还本，等额本息913.52019-6-142021-6-142420.0293.0331.713.122020-11-13 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