西安市阎良区人民法院民事判决书（2020）陕0114民初414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：侯军，男，1986年10月18日生，汉族，西安市阎良区振兴街道办坡底村庙沟组村民，住该组。被告：陈丹，女，1989年9月7日生，汉族，西安市阎良区振兴街道办坡底村庙沟组村民，住该组。被告：王娥娥，女，1973年3月12日生，汉族，西安市阎良区振兴街道办郑家村五组村民，住该组。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）与被告侯军、被告陈丹、被告王娥娥借款合同纠纷一案，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、被告王娥娥到庭参加诉讼, 被告侯军、陈丹经本院传票传唤,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250000元，利息40190.92元（暂计算至2019年12月21日，应继续计算至本息还清之日止），合计290190.92元；2、本案诉讼费由被告承担；3、判令被告（保证人）对以上债务承担连带清偿责任。事实和理由：经被告申请，2017年1月12日，原告与被告签订了250000元的借款合同，借款用途为购材料，期限为二年，到期日为2019年1月9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，马战军、王娥娥与原告签订保证担保合同，约定马战军、王娥娥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。被告侯军未答辩。 被告陈丹未答辩。被告王娥娥辩称，当时是其丈夫马战军让签的字，具体什么情况其不知道。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                本院经审理认定事实如下：2017年1月11日，侯军、陈丹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250000元；借款种类为中期借款，借款期限自2017年1月11日至2019年1月9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，按月结息，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，马战军、王娥娥与阎良信合签订《保证担保合同》，马战军、王娥娥为侯军、陈丹的借款提供担保，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。2017年1月12日，阎良信合依约向侯军发放了250000元借款。2020年3月6日，秦农银行将侯军、陈丹、马战军、王娥娥诉至本院，要求其承担还款、担保责任。2020年4月6日，马战军因病去世，秦农银行于2020年5月19日撤回了对马战军的起诉。另查明，借款人清偿利息至2019年1月20日，未清偿借款本金。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侯军、陈丹签订的《个人借款合同》以及原告秦农银行与被告王娥娥签订的《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，但被告侯军、陈丹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侯军、陈丹偿还借款本金并支付利息的诉请，本院予以支持。被告王娥娥为被告侯军、陈丹的上述借款承担连带保证责任，现被告侯军、陈丹未依约偿还借款，原告秦农银行在保证期间内要求被告王娥娥承担保证责任，于法有据，本院予以支持。被告王娥娥辩称其只是在合同上签名盖章，不清楚具体情况。本院认为，王娥娥除了与阎良信合签订担保合同之外，还在借款申请书、谈话备忘录上签字盖章，并提交了个人身份证件、户口本等资料，王娥娥作为成年人，应当知道其提交个人身份证材料、在借款相关材料上签字的法律后果，故对于王娥娥的抗辩，本院不予采信。被告侯军、陈丹经本院合法传唤,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,《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、被告侯军、被告陈丹于本判决生效后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250000元，支付截止2019年12月21日的利息40190.92元，合计290190.92元，并按照双方签订的借款合同的约定支付自2019年12月22日起至实际清偿之日止的利息；二、被告王娥娥对被告侯军、被告陈丹的上述给付义务承担连带清偿责任。被告王娥娥在承担保证责任后，有权向被告侯军、被告陈丹追偿。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5652元，减半收取，即2826元，由被告侯军、被告陈丹、被告王娥娥负担。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，被告侯军、被告陈丹、被告王娥娥于本判决生效后十日内一并给付原告2826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   二〇二〇年六月三日  书  记  员  黄  飞 1