西安市阎良区人民法院民事判决书（2020）陕0114民初428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：夏宝营，男，1966年3月7日生，汉族，西安市阎良区振兴街道办官刘村复兴组村民，住该组。被告：林小梅，女，1967年11月4日生，汉族，西安市阎良区振兴街道办官刘村复兴组村民，住该组。被告：吴国强，男，1987年2月13日生，汉族，西安市阎良区振兴街道办新农村礼义组村民，住该组。被告：王小艳，女，1988年11月26日生，汉族，西安市阎良区振兴街道办新农村礼义组村民，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）与被告夏宝营、被告林小梅、被告吴国强、被告王小艳借款合同纠纷一案，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曹东兴、王亚梅、被告吴国强到庭参加诉讼, 被告夏宝营、林小梅、王小艳经本院合法传唤,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29224.95元（暂计算至2020年2月21日，应继续计算至本息还清之日止），合计279224.95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，2016年8月9日，原告与被告签订了280000元的借款合同，借款用途为购农资，期限为二年，到期日为2018年8月23日，月利率9.7375‰，结息方式为：按月结息；罚息利率为本合同执行利率上浮50%（换算月利率为14.60625‰）。借款到期日为2018年8月7日，到期后办理展期11个月，月利率9.7375‰，展期到期日为2019年7月7日。吴国强、王小艳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。被告夏宝营未答辩。 被告林小梅未答辩。被告吴国强辩称，担保合同是其签的，但借款应该由借款人偿还。 被告王小艳未答辩。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              本院经审理认定事实如下：2016年8月9日，夏宝营、林小梅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280000元；借款种类为中期借款，借款期限自2016年8月9日至2018年8月7日；借款用途为购农资；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，吴国强、王小艳与阎良信合签订《保证担保合同》，吴国强、王小艳为夏宝营、林小梅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。2018年8月6日，借款人偿还借款本金30000元。2018年8月7日，双方签订《借款展期协议》，约定将剩余借款展期至2019年7月7日，并对展期后的利率进行了约定，吴国强、王小艳继续对该借款承担连带保证责任。另查明，展期协议到期后，借款人清偿利息至2019年6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夏宝营、林小梅签订的《个人借款合同》、原告秦农银行与被告吴国强、王小艳签订的《保证担保合同》以及原、被告双方签订的《借款展期协议》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，但被告夏宝营、林小梅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夏宝营、林小梅偿还借款本金并支付利息的诉请，本院予以支持。被告吴国强、王小艳为被告夏宝营、林小梅的上述借款承担连带保证责任，现被告夏宝营、林小梅未依约偿还借款，原告秦农银行在保证期间内要求被告吴国强、王小艳承担保证责任，于法有据，本院予以支持。被告吴国强辩称担保字是其签的，应该由借款人还款。本院认为，借款人未依约还款，吴国强作为连带责任保证人，应当承担连带清偿责任。吴国强承担连带责任后，可向借款人追偿。故对于吴国强的抗辩，本院不予采信。被告夏宝营、林小梅、王小艳经本院合法传唤,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、被告夏宝营、被告林小梅于本判决生效后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，并按照双方签订的《个人借款合同》及《借款展期协议》的约定支付自2019年6月21日起至实际清偿之日止的利息；二、被告吴国强、被告王小艳对被告夏宝营、被告林小梅的上述给付义务承担连带清偿责任。被告吴国强、被告王小艳在承担保证责任后，有权向被告夏宝营、被告林小梅追偿。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5488元，减半收取，即2744元，由被告夏宝营、被告林小梅、被告吴国强、被告王小艳负担。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，被告夏宝营、被告林小梅、被告吴国强、被告王小艳于本判决生效后十日内一并给付原告2744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