西安市未央区人民法院民 事 判 决 书（2020）陕0112民初3642号 原告王尉君，女，1944年11月28日出生，汉族，住西安市未央区，公民身份号码XXXXXXXXXXXXXXXXXX。委托代理人吕亚芹，陕西鸿辰律师事务所律师。委托代理人郭阳，陕西鸿辰律师事务所律师。被告方军，男，1963年XX月XX日出生，汉族，住陕西省西安市莲湖区，公民身份号码XXXXXXXXXXXXXXXXXX。被告吉英贤，女，1968年12月1日出生，汉族，户籍地址：陕西省渭南市合阳县，公民身份号码XXXXXXXXXXXXXXXXXX。原告王尉君与被告方军、吉英贤民间借贷纠纷一案，本院受理后，依法适用普通程序独任制，公开开庭进行了审理。原告王尉君的委托代理人吕亚芹、郭阳到庭参加诉讼。被告方军、吉英贤经合法传唤，无正当理由，拒不到庭。本案现已审理终结。原告诉称，二被告系夫妻关系，二人自2000年9月15日开始向其借款，累计借款25.1万元,并出具借条36张，约定了借款利息为年利率20%。但被告至今分文未还。诉请：二被告连带偿还借款本金25.1万元，支付利息92.7万元，共计117.8万元（利息暂计算至起诉之日，自起诉之日起以本金25.1万元为基数，按年利率20%计算利息，直至借款偿还之日）；诉讼费由被告承担。被告方军、吉英贤未出庭答辩，亦未提出书面答辩意见。经审理查明，被告方军自2001年11月1日至2005年1月23日向原告出具“借条”31份,其中自2001年11月1日至2002年10月28日“借条”8份，约定的借款年利率为20%，借款本金合计6.3万元，截止2019年8月9日的利息合计218855.58元。自2003年2月20日至2005年1月23日借款23份，约定的借款年利率为24%，借款本金合计11.3万元，截止2019年8月9日的利息合计426243.6元。以上借款本金为17.6万元，截止2019年8月9日的利息645099.18元。均备注收到现金。被告吉英贤向原告出具了自2000年9月15日至2001年3月20日5份“借条”，约定的借款年利率为20%。借款本金合计7.5万元，截止2019年8月9日的利息合计279860元。均未备注付款方式。庭审中，原告称被告借款后未偿还本金，亦未支付利息。每次借款都是二被告一起，由被告方军出具“借条”。被告吉英贤出具的5份“借条”，因其保管不善而损坏，其找到二被告，被告吉英贤誊抄了一遍“借条”，被告誊抄后，其未注意到被告漏抄了现金二字，其给付被告的借款均是现金。在2001年11月1日的借条上的签名虽然是二被告，但被告吉英贤的签名系被告方军代签，不是被告吉英贤本人书写。此外，原告还提交“二府庄村地价款分配清单”，《房屋租赁合同》，“收款收据”，《拆迁安置补偿协议书》等证据，证明其出借资金的来源。明确诉讼请求为：1、二被告共同偿还借款1.2万元，支付利息42660元，并以此款为基数，按年利率20%计算，承担自2019年8月10日至借款还清之日的利息；2、被告吉英贤偿还借款本金7.5万元，支付利息279860元，并以此款为基数，按年利率20%计算，承担自2019年8月10日至借款还清之日的利息；3、被告方军偿还借款本金16.4万元，支付利息642880元，并以此款为基数，按年利率20%计算，承担自2019年8月10日至借款还清之日的利息。并承诺其提交的证据及所陈述的事实均属实，如有虚假，愿承担法律责任。上述事实，有“借条”，“二府庄村地价款分配清单”，《房屋租赁合同》，“收款收据”，《拆迁安置补偿协议书》等证据以及原告陈述在卷佐证。本院认为，原告提交的证据，可以形成证据链，证明其与被告之间形成了借贷法律关系，该法律关系不违反法律、行政法规的强制性规定，应为有效。原告称二被告系夫妻关系，但未举证证明，同时称2001年11月1日的借条上虽然是二被告的名字，但被告吉英贤的签名系被告方军代签，不是被告吉英贤本人书写。故，该笔借款应由借款人方军承担。被告方军签字的“借条”金额为17.6万元，截止2019年8月9日的利息经分段计算合计为645099.18元，原告要求被告方军承担，应予支持。被告吉英贤向原告出具的“借条”金额合计7.5万元，截止2019年8月9日的利息合计279860元，原告要求被告吉英贤承担，应予支持。被告方军、吉英贤经本院合法传唤，无正当理由拒不到庭，视为放弃答辩、举证、质证及辩论的权利，应自行承担相应的诉讼风险。依照《中华人民共和国合同法》第二百零六条、第二百零七条，《中华人民共和国民事诉讼法》第一百四十四条，最高人民法院《关于适用的解释》第二百四十一条、第九十条之规定，判决如下一、被告方军自本判决生效之日起五日内偿还原告王尉君借款本金17.6万元，支付截止2019年8月9日的利息645099.18元，并以借款17.6万元为基数，按年利率20%计算，承担自2019年8月10日至判决给付之日的利息。二、被告吉英贤自本判决生效之日起五日内偿还原告王尉君借款本金7.5万元，支付截止2019年8月9日的利息279860元，并以借款7.5万元为基数，按年利率20%计算，承担自2019年8月10日至判决给付之日的利息。三、驳回原告王尉君的其余诉讼请求。案件受理费15402元、公告费600元，合计16002元（原告已预交），由被告方军承担10002元，被告吉英贤承担6000元，与上述付款时间一并给付原告。                                                                        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    王  琦    二○二〇年八月十四日 书  记  员    叶  娟                                                                                          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