西安市阎良区人民法院民事判决书（2020）陕0114民初424号原告：陕西秦农农村商业银行股份有限公司阎良支行。住所地:西安市阎良区凤凰北街78号。负责人：崔红选，系该行行长。委托诉讼代理人：曹东兴，男，1967年11月25日出生，汉族，该单位职工，住西安市阎良区信合家属院。委托诉讼代理人：王亚梅，女，1983年9月14日出生，汉族，该单位职工，住西安市阎良区曲湾丽都。被告：王倩珠，女，1973年3月5日出生，汉族，居民，住西安市阎良区大良路1746栋东单元5楼西户。委托诉讼代理人：高涛，西安市阎良区148法律服务所法律工作者。被告：孔小梅，女，1972年4月11日出生，汉族，籍住西安市阎良区铁道北村一组17号。原告陕西秦农农村商业银行股份有限公司阎良支行（以下简称秦农银行）与被告王倩珠、被告孔小梅借款合同纠纷一案，本院于2020年3月6日立案后，依法适用简易程序公开开庭进行审理。原告秦农银行的委托诉讼代理人王亚梅、被告王倩珠的委托诉讼代理人高涛到庭参加诉讼,被告孔小梅经本院传唤,无正当理由未到庭。本案经缺席审理,现已审理终结。原告秦农银行向本院提出诉讼请求: 1、依法判令被告（借款人）向原告归还贷款本金200000元，利息79944.87元（暂计算至2019年12月20日，应继续计算至本息还清之日止），合计279944.87元；2本案诉讼费由被告承担；3、判令被告孔小梅对以上债务承担连带清偿责任。事实和理由：经被告申请，2015年9月17日，原告与被告签订了200000元的借款合同，借款用途为购材料，期限为二年，到期日为2017年9月14日，月利率9.7375‰，结息方式为：按季结息；罚息利率为本合同执行利率上浮50%（换算月利率为14.60625‰）。为确保债务如期履行，被告孔小梅与原告签订保证担保合同，约定被告孔小梅对主合同项下的债务承担连带保证责任。借款到期后，多次催收未果，为了维护原告权益，原告根据所签合同的约定提起诉讼，请贵院依法支持原告的诉讼请求。被告王倩珠辩称，借款属实，对原告主张的利息不认可，当时王倩珠签借款合同时只是在合同上签名盖章，合同其他内容为空白。  被告孔小梅未答辩。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   本院经审理认定事实如下：2015年9月17日，被告王倩珠与西安市阎良区农村信用合作联社（以下简称阎良信合）签订《个人借款合同》，约定借款本金为200000元；借款种类为中期借款，借款期限自2015年9月17日至2017年9月14日；借款用途为购材料；还款方式为到期一次性归还借款；借款执行浮动利率，一年一定，本年度月利率为9.7375‰；借款利息自借款发放之日起计算，按季结息，结息日为月末或季末20日；借款到期不能按时归还的，自逾期次日计收罚息，罚息利率为合同执行利率上浮50%等。同日，被告孔小梅与阎良信合签订《保证担保合同》，被告孔小梅为被告王倩珠的借款合同提供担保，担保方式为连带责任保证。保证范围为借款合同项下全部借款本金及利息、复利、罚息、违约金、损害赔偿金和实现债权的费用。保证期间为借款到期之日起两年。2015年9月17日，阎良信合依约向被告王倩珠发放了200000元借款。借款人清偿利息至2017年9月20日，未清偿本金。另查明，原告秦农银行于2019年8月23日就本案借款向本院提起诉讼，向二被告主张权利，后被本院以被告不明确为由裁定驳回起诉。再查明，2017年9月6日，经中国银行业监督管理委员会批准，陕西秦农农村商业银行股份有限公司吸收合并阎良信合,由原告秦农银行经营和管理阎良信合的债权债务。本院认为，依法成立的合同对当事人具有法律约束力，当事人应该按照合同约定行使权利、履行义务。本案中，原告秦农银行与被告王倩珠签订的《个人借款合同》以及原告秦农银行与被告孔小梅签订的《保证担保合同》均系双方当事人真实意思表示，内容不违反法律、行政法规的强制性规定，应为有效合同，双方均应按约履行。原告秦农银行依约发放了贷款，但被告王倩珠未依约按期足额还款，显系违约，故对于原告秦农银行要求被告王倩珠偿还借款本金并支付利息的诉请，本院予以支持。被告孔小梅为被告王倩珠的上述借款承担连带保证责任，现被告王倩珠未依约偿还借款，原告秦农银行在保证期间内已要求被告孔小梅承担保证责任。因此,从原告秦农银行要求被告孔小梅承担保证责任之日起开始计算保证合同的诉讼时效，不再计算保证期间。故原告秦农银行要求被告孔小梅承担连带保证责任，于法有据，本院予以支持。被告王倩珠辩称对原告主张的利息不认可，并主张其只是在合同上签名盖章，合同其他内容为空白。本院认为，王倩珠除了与阎良信合签订借款合同之外，还向阎良信合提交了借款申请书，并签署了谈话备忘录，王倩珠作为成年人，应当知道在借款相关材料上签字的法律后果。此外，阎良信合确已按照合同约定向王倩珠发放了借款，其应按照约定支付相应的借款利息，故对于王倩珠的抗辩，本院不予采信。被告孔小梅经本院合法传唤,无正当理由未到庭参加诉讼，亦未提交答辩意见，系放弃相关诉讼权利，本院可以缺席判决。综上所述，依照《中华人民共和国合同法》第六十条、第一百九十六条、第二百零五条、第二百零六条、第二百零七条,《中华人民共和国担保法》第十八条、第二十一条,《最高人民法院关于适用中华人民共和国担保法>若干问题的解释》第三十四条第二款，《中华人民共和国民事诉讼法》第六十四条、第一百四十四条之规定，判决如下：                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              一、被告王倩珠于本判决生效后10日内返还原告陕西秦农农村商业银行股份有限公司阎良支行借款200000元，支付截止2019年12月20日的利息79944.87元，合计279944.87元，并按照双方签订的借款合同的约定支付自2019年12月21日起至实际清偿之日止的利息；二、被告孔小梅对被告王倩珠的上述给付义务承担连带清偿责任。被告孔小梅承担保证责任后，有权向被告王倩珠追偿。如果未按本判决指定的期间履行给付金钱义务的，应当依照《中华人民共和国民事诉讼法》第二百五十三条规定，加倍支付迟延履行期间的债务利息。案件受理费5500元，减半收取，即2750元，由被告王倩珠、被告孔小梅负担。因该费用原告陕西秦农农村商业银行股份有限公司阎良支行已预交，被告王倩珠、被告孔小梅于本判决生效后十日内一并给付原告2750元。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  曹正龙  二〇二〇年六月一日  书  记  员  黄  飞 1