广东省佛山市南海区人民法院民 事 判 决 书（2020）粤0605民初29320号原告：李茂兰，女，1970年7月11日出生，汉族，住广东省佛山市南海区×××××××××××××××，公民身份号码360××××××××××××54X。被告：杨爱芬，女，1987年4月15日出生，汉族，住广东省佛山市顺德区××××××××××××××××××××1604，公民身份号码450××××××××××××322。被告：刘波，男，1988年4月7日出生，汉族，住广西壮族自治区资源县××××××××××，公民身份号码450××××××××××××311。原告李茂兰诉被告杨爱芬、刘波民间借贷纠纷一案，本院于2020年12月11日立案后，依法适用简易程序，于2021年3月8日公开开庭进行了审理。原告李茂兰及被告杨爱芬、刘波到庭参加了诉讼。本案现已审理终结。原告李茂兰向本院提出诉讼请求：1.被告归还1880000元借款予原告；2.被告承担案件受理费。事实和理由：原被告系朋友关系，被告于2019年12月至2020年5月向原告借款188000元，并出具“欠条”一张，载明“今日杨爱芬、刘波欠李茂兰1880000元整”，约定还款日期为2020年8月31日，后原告多次催讨，被告拒绝还款。至此，为维护原告合法权益，特向法院起诉。被告杨爱芬辩称，被告收到原告起诉被告的材料，但是原告的诉请与被告实际所原告的款项有很大出入，具体的金额需要查询被告的银行交易记录。被告刘波辩称，被告对原告和被告杨爱芬的交易往来不清楚。关于被告在欠条上签字，有天晚上原告和被告杨爱芬找到被告刘波要求签字，当时被告刘波和杨爱芬已经离婚了，被告不愿签，被告杨爱芬说他会还的，被告出于对杨爱芬的信任最后签了字。原告围绕其诉讼请求提供了《欠条》、中国建设银行交易记录佐证，两被告对上述证据的真实性均无异议，本院予以确认。被告刘波围绕其主张提供了离婚证、自愿离婚协议书佐证，原告及被告杨爱芬对上述证据均无异议，本院予以确认。本院审理认定事实如下：原告在2019年12月29日至2020年5月31日期间共向被告杨爱芬（包括杨爱芬指定的账户）转账7306000元。被告杨爱芬向原告（包括原告指定的账户）转账6257830元，具体如下：日期金额转款人收款人日期金额转款人收款人2019-12-29200000李茂兰杨爱芬2020-1-1524570杨爱芬李茂兰2020-1-3200000李茂兰杨爱芬2020-1-163500杨爱芬李茂兰2020-1-6100000李茂兰杨爱芬2020-1-1610000杨爱芬李茂兰2020-1-68000李茂兰杨爱芬2020-1-1830000杨爱芬李茂兰2020-1-1071000李茂兰杨爱芬2020-1-1922500杨爱芬李茂兰2020-1-1030000李茂兰杨爱芬2020-2-1250000刘波李茂兰2020-1-1350000李茂兰杨爱芬2020-2-1350000杨爱芬李茂兰2020-1-1350000李茂兰杨爱芬2020-2-2064000杨爱芬李茂兰2020-1-1610000李茂兰杨爱芬2020-2-2834400杨爱芬李茂兰2020-1-1760000李茂兰杨爱芬2020-3-3100000杨爱芬李茂兰2020-1-1830000李茂兰杨爱芬2020-3-315000杨爱芬李茂兰2020-3-4100000李茂兰杨爱芬2020-3-20180000杨爱芬李茂兰2020-3-13180000李茂兰杨爱芬2020-3-2129700杨爱芬李茂兰2020-3-18180000李茂兰杨爱芬2020-3-226000杨爱芬李茂兰2020-3-18110000李茂兰杨爱芬2020-3-223500杨爱芬李茂兰2020-3-20200000李茂兰林洪斌2020-3-2420000杨爱芬李茂兰2020-3-23100000李茂兰杨爱芬2020-3-2510000杨爱芬李茂兰2020-3-27200000李茂兰杨爱芬2020-3-27420000杨爱芬李茂兰2020-3-2850000李茂兰杨爱芬2020-3-27185040杨爱芬李茂兰2020-3-31130000李茂兰杨爱芬2020-4-350000杨爱芬李茂兰2020-4-2500000李茂兰杨爱芬2020-4-3110000杨爱芬李茂兰2020-4-2500000李茂兰杨爱芬2020-4-310000杨爱芬李茂兰2020-4-530000李茂兰杨爱芬2020-4-550000杨爱芬李茂兰2020-4-6120000李茂兰杨爱芬2020-4-534550杨爱芬李茂兰2020-4-8100000李茂兰杨爱芬2020-4-630200杨爱芬李茂兰2020-4-9170000李茂兰杨爱芬2020-4-64000杨爱芬李茂兰2020-4-910000李茂兰杨爱芬2020-4-730000杨爱芬李茂兰2020-4-1050000李茂兰杨爱芬2020-4-821200杨爱芬李茂兰2020-4-1320000李茂兰杨爱芬2020-4-910000杨爱芬李茂兰2020-4-1310000李茂兰杨爱芬2020-4-12100000杨爱芬李茂兰2020-4-1540000李茂兰杨爱芬2020-4-14214360杨爱芬李茂兰2020-4-16100000李茂兰杨爱芬2020-4-1430000杨爱芬李茂兰2020-4-1750000李茂兰杨爱芬2020-4-15153750杨爱芬李茂兰2020-4-17100000李茂兰杨爱芬2020-4-1640200杨爱芬李茂兰2020-4-20150000李茂兰杨爱芬2020-4-1651800杨爱芬李茂兰2020-4-20130000李茂兰杨爱芬2020-4-17103200杨爱芬李茂兰2020-4-2250000李茂兰杨爱芬2020-4-20212500杨爱芬李茂兰2020-4-2270000李茂兰杨爱芬2020-4-2181500杨爱芬李茂兰2020-4-2320000李茂兰杨爱芬2020-4-222800杨爱芬李茂兰2020-4-2460000李茂兰杨爱芬2020-4-2250000杨爱芬李茂兰2020-4-2670000李茂兰杨爱芬2020-4-2210000杨爱芬李茂兰2020-4-277000李茂兰杨爱芬2020-4-2221000杨爱芬李茂兰2020-4-2820000李茂兰杨爱芬2020-4-243200杨爱芬李茂兰2020-4-2930000李茂兰杨爱芬2020-4-2652000杨爱芬李茂兰2020-5-480000李茂兰杨爱芬2020-4-2610000杨爱芬李茂兰2020-5-530000李茂兰杨爱芬2020-4-2720000杨爱芬李茂兰2020-5-520000李茂兰杨爱芬2020-4-277000杨爱芬李茂兰2020-5-6360000李茂兰杨爱芬2020-4-2820000杨爱芬李茂兰2020-5-6100000李茂兰杨爱芬2020-4-2930000杨爱芬李茂兰2020-5-660000李茂兰杨爱芬2020-4-2972520杨爱芬李茂兰2020-5-8300000李茂兰杨爱芬2020-5-172100杨爱芬李茂兰2020-5-8100000李茂兰杨爱芬2020-5-330000杨爱芬李茂兰2020-5-9150000李茂兰杨爱芬2020-5-61000杨爱芬李茂兰2020-5-11110000李茂兰杨爱芬2020-5-6104500杨爱芬李茂兰2020-5-1270000李茂兰杨爱芬2020-5-634000杨爱芬李茂兰2020-5-12100000李茂兰杨爱芬2020-5-620000杨爱芬李茂兰2020-5-13100000李茂兰杨爱芬2020-5-760000杨爱芬李茂兰2020-5-13100000李茂兰杨爱芬2020-5-730000杨爱芬李茂兰2020-5-14420000李茂兰杨爱芬2020-5-9104800杨爱芬李茂兰2020-5-14180000李茂兰杨爱芬2020-5-973920杨爱芬李茂兰2020-5-14120000李茂兰杨爱芬2020-5-1264560杨爱芬李茂兰2020-5-1580000李茂兰杨爱芬2020-5-1230960杨爱芬李茂兰2020-5-18220000李茂兰杨爱芬2020-5-1370700杨爱芬李茂兰2020-5-3010000李茂兰杨爱芬2020-5-1441030杨爱芬李茂兰2020-5-3010000李茂兰杨爱芬2020-5-14308400杨爱芬李茂兰2020-5-3010000李茂兰杨爱芬2020-5-1582880杨爱芬李茂兰2020-5-31110000李茂兰杨爱芬2020-5-176900杨爱芬李茂兰合计73060002020-5-17100000杨爱芬李茂兰2020-5-1820000杨爱芬李茂兰2020-5-194500杨爱芬李茂兰2020-5-195000杨爱芬李茂兰2020-5-2550000杨爱芬李茂兰2020-5-2510000杨爱芬李茂兰2020-5-262000杨爱芬李茂兰2020-5-2780000杨爱芬李茂兰2020-5-29116270杨爱芬李茂兰2020-5-29188640杨爱芬李茂兰2020-5-29127680杨爱芬李茂兰2020-5-29155400杨爱芬李茂兰2020-5-29314400杨爱芬李茂兰2020-5-30104200杨爱芬李茂兰2020-7-1050000杨爱芬覃浩宇2020-7-14100000杨爱芬覃浩宇2020-7-27350000杨爱芬覃浩宇2020-8-6100000杨爱芬覃浩宇2020-9-1445000杨爱芬黄林2020-9-145000杨爱芬黄林2020-9-30250000杨爱芬黄林2020-9-3050000杨爱芬黄林合计62578302020年6月27日，被告杨爱芬、刘波出具《欠条》予原告，内容为：因生意周转需要于2019年12月29日至2020年5月30日期间(后附日期明细)，向李茂兰(身份证号：360××××××××××××54X)，借款387万元(附对账明细)，于2020年8月30日前结清本金及利息(利息按2%每月计算)，且李茂兰女士将永久享有追讨权及向法律诉讼追讨的权利；特立此据为证。被告杨爱芬与被告刘波于2018年9月7日登记结婚，于2020年1月22日登记离婚。本院认为，合法的民间借贷行为应受法律保护。原告主张被告杨爱芬尚欠其借款1880000元，被告杨爱芬确认与原告之间存在借贷关系，但对欠款金额有异议，由于原、被告双方均确认双方的款项往来均属于借贷，故本院根据双方的款项交易往来重新核对被告杨爱芬的欠款情况。另外，被告杨爱芬确认其按月利率2%支付利息予原告，利息标准符合当时的法律规定，本院予以确认，但从2020年8月20日起的利息应按年利率15.4%计算。经核算，至2020年9月30日止，被告杨爱芬尚欠原告借款本金为1315089.87元（详见附表）。对于原告超出上述范围的主张，依据不足，本院不予支持。现借款期限已届满，被告杨爱芬应归还上限的借款本金予原告。关于被告刘波的责任问题，虽然案涉大部分借款发生在被告杨爱芬与被告刘波离婚之后，但被告刘波已在事后与被告杨爱芬共同作为借款人出具了《欠条》予原告，其行为已构成债的加入，而本院确认的欠款金额未超出《欠条》确认的借款金额，故被告刘波应对尚欠借款承担共同清偿责任。综上所述，依照《中华人民共和国合同法》第一百九十六条、第二百零六条、第二百零七条、《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》（法释[2020]17号）第二十五条、第二十八条、第三十一条、《中华人民共和国民事诉讼法》第六十四条的规定，判决如下：一、被告杨爱芬、刘波应于本判决发生法律效力之日起十日内归还借款本金1315089.87元予原告李茂兰；二、驳回原告李茂兰的其他诉讼请求。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。案件受理费21720元，因适用简易诉讼程序结案减半收取计10860元（原告已预交），由原告李茂兰负担3263.26元，被告杨爱芬、刘波负担7596.74元。两被告负担的部分应于本判决发生法律效力之日起十日内向本院交纳。对原告已预交但不应当负担的受理费7596.74元，在本判决发生法律效力后经原告申请，本院予以退回。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，并对方当事人的人数提出副本，上诉于广东省佛山市中级人民法院。审判员  黄永添二〇二一年三月二十六日书记员  廖建杨附表：起算日截止日天数计息本金年利率应还利息还款金额尚欠利息已还本金尚欠本金2019-12-292020-1-1518200000.0024%2367.1224570.0019187.42689812.582020-1-313200000.0024%1709.592020-1-610100000.0024%657.532020-1-6108000.0024%52.602020-1-10671000.0024%280.112020-1-10630000.0024%118.362020-1-13350000.0024%98.632020-1-13350000.0024%98.632020-1-162020-1-161689812.5824%453.5813500.0013039.85686772.732020-1-16110000.0024%6.582020-1-172020-1-182686772.7324%903.1530000.0029017.94717754.782020-1-17260000.0024%78.902020-1-192020-1-191717754.7824%471.9522500.0021988.60725766.182020-1-18230000.0024%39.452020-1-202020-2-1224725766.1824%11453.1950000.0038546.81687219.372020-2-132020-2-131687219.3724%451.8750000.0049548.13637671.242020-2-132020-2-208637671.2424%3354.3364000.0060645.67577025.572020-2-142020-2-2815577025.5724%5691.2134400.0028708.79548316.782020-2-212020-3-312548316.7824%4326.44115000.00110673.56437643.222020-3-42020-3-2017437643.2224%4892.01180000.00172339.771035303.452020-3-417100000.0024%1117.812020-3-138180000.0024%946.852020-3-183180000.0024%355.072020-3-183110000.0024%216.992020-3-201200000.0024%131.512020-3-212020-3-2111035303.4524%680.7529700.0029019.251006284.202020-3-222020-3-2211006284.2024%661.679500.008838.33997445.872020-3-232020-3-242997445.8724%1311.7120000.0018556.781078889.082020-3-232100000.0024%131.512020-3-252020-3-2511078889.0824%709.4110000.009290.591069598.492020-3-262020-3-2721069598.4924%1406.60605040.00603501.90666096.592020-3-271200000.0024%131.512020-3-282020-4-37666096.5924%3065.87170000.00165047.011681049.582020-3-28750000.0024%230.142020-3-314130000.0024%341.922020-4-22500000.0024%657.532020-4-22500000.0024%657.532020-4-42020-4-521681049.5824%2210.7084550.0082319.581628730.012020-4-5130000.0024%19.732020-4-62020-4-611628730.0124%1070.9534200.0033050.151715679.862020-4-61120000.0024%78.902020-4-72020-4-711715679.8624%1128.1230000.0028871.881686807.972020-4-82020-4-811686807.9724%1109.1321200.0020025.111766782.862020-4-81100000.0024%65.752020-4-92020-4-911766782.8624%1161.7210000.008719.921938062.942020-4-91170000.0024%111.782020-4-9110000.0024%6.582020-4-102020-4-1231938062.9424%3823.03100000.0096078.341891984.602020-4-10350000.0024%98.632020-4-132020-4-1421891984.6024%2488.09244360.00241832.461680152.142020-4-13220000.0024%26.302020-4-13210000.0024%13.152020-4-152020-4-1511680152.1424%1104.76153750.00152618.941567533.202020-4-15140000.0024%26.302020-4-162020-4-1611567533.2024%1030.7192000.0090903.541576629.662020-4-161100000.0024%65.752020-4-172020-4-1711576629.6624%1036.69103200.00102064.681624564.982020-4-17150000.0024%32.882020-4-171100000.0024%65.752020-4-182020-4-2031624564.9824%3204.62212500.00209111.271695453.712020-4-201150000.0024%98.632020-4-201130000.0024%85.482020-4-212020-4-2111695453.7124%1114.8281500.0080385.181615068.522020-4-222020-4-2211615068.5224%1061.9683800.0082659.131652409.392020-4-22150000.0024%32.882020-4-22170000.0024%46.032020-4-232020-4-2421652409.3924%2173.033200.00961.221731448.182020-4-23220000.0024%26.302020-4-24160000.0024%39.452020-4-252020-4-2621731448.1824%2276.9762000.0059677.001741771.182020-4-26170000.0024%46.032020-4-272020-4-2711741771.1824%1145.2727000.0025850.121722921.052020-4-2717000.0024%4.602020-4-282020-4-2811722921.0524%1132.8820000.0018853.971724067.082020-4-28120000.0024%13.152020-4-292020-4-2911724067.0824%1133.63102520.00101366.641651547.082020-4-29130000.0024%19.732020-4-302020-5-121651547.0824%2171.9072100.0069928.101581618.982020-5-22020-5-321581618.9824%2079.9430000.0027920.061553698.922020-5-42020-5-631553698.9224%3064.83159500.00155869.692047829.232020-5-4380000.0024%157.812020-5-5230000.0024%39.452020-5-5220000.0024%26.302020-5-61360000.0024%236.712020-5-61100000.0024%65.752020-5-6160000.0024%39.452020-5-72020-5-712047829.2324%1346.5290000.0088653.481959175.752020-5-82020-5-921959175.7524%2576.45178720.00175518.892333656.862020-5-82300000.0024%394.522020-5-82100000.0024%131.512020-5-91150000.0024%98.632020-5-102020-5-1232333656.8624%4603.3895520.0090660.182522996.672020-5-112110000.0024%144.662020-5-12170000.0024%46.032020-5-121100000.0024%65.752020-5-132020-5-1312522996.6724%1658.9670700.0068909.542654087.132020-5-131100000.0024%65.752020-5-131100000.0024%65.752020-5-142020-5-1412654087.1324%1745.15349430.00347211.423026875.712020-5-141420000.0024%276.162020-5-141180000.0024%118.362020-5-141120000.0024%78.902020-5-152020-5-1513026875.7124%1990.2782880.0080837.123026038.592020-5-15180000.0024%52.602020-5-162020-5-1723026038.5924%3979.45106900.00102920.552923118.042020-5-182020-5-1812923118.0424%1922.0520000.0017933.293125184.752020-5-181220000.0024%144.662020-5-192020-5-1913125184.7524%2054.929500.007445.083117739.662020-5-202020-5-2563117739.6624%12300.1260000.0047699.883070039.792020-5-262020-5-2613070039.7924%2018.662000.0018.663070039.792020-5-272020-5-2713070039.7924%2018.6680000.0077962.692992077.102020-5-282020-5-2922992077.1024%3934.79902390.00898455.212093621.882020-5-302020-5-3012093621.8824%1376.63104200.00102803.652020818.242020-5-30110000.0024%6.582020-5-30110000.0024%6.582020-5-30110000.0024%6.582020-5-312020-7-10412020818.2424%54479.0550000.007444.522130818.242020-5-3141110000.0024%2965.482020-7-112020-7-1442130818.2424%5604.34100000.0086951.132043867.112020-7-152020-7-27132043867.1124%17470.86350000.00332529.141711337.972020-7-282020-8-6101711337.9724%11252.63100000.0088747.371622590.602020-8-72020-8-19131622590.6024%13869.8213869.822020-8-202020-9-14261622590.6015.40%17799.6050000.0018330.591604260.022020-9-152020-9-30161604260.0215.40%10829.85300000.00289170.151315089.87