陕西省澄城县人民法院 民 事 判 决 书  (2019)陕0525民初1631号 原告：XX城县XX社。住所地，陕西省渭南市XX城县九路口。负责人：贠亚艳，女，系该联社主任。委托代理人：贾晓琦，男，陕西李玉杰律师事务所律师。91610黄忙侠，525776965088被告:，女，1963年5月24日出生，汉族，住陕西省XX城县，身份证号：612XXXXXXXXXXXXXXX。被告:赵建成，男，1964年01月23日出生，汉族，住陕西省XX城县，身份证号：612XXXXXXXXXXXXXXX，19630524612XXXXXXXXXXXXXXX原告XX城县XX社与被告黄忙侠、赵建成金融借款合同纠纷一案，本院20191029受理后，依法组成合议庭                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          于2019年12月4日公开开庭进行了审理。原告XX城县XX社委托代理人贾晓琦与被告赵建成到庭参加诉讼,被告黄忙侠经本院合法传唤未到庭参加诉讼，依法缺席审理。本案现已审理终结。原告XX城县XX社诉称，2011年2月28日，被告赵建成作为原告单位贷款经办人员，以妻子黄忙侠名义与原告签订《个人借款合同》。合同约定：借款金额280000元，借款期限叁年（自2011年2月28日始至2014年2月20日止）。月利率10.14‰，利随本清，借款到期一次性清偿。同时约定，借款人未按合同约定还款期限归还贷款本息，还应计收罚息，罚息利率为合同利率上浮40%。借款签订当日，原告即履行合同义务，将上述款项足额发放。但随后，被告却不积极履行合同还款义务，仅清偿了部分款项。原告认为，债务应当清偿。被告黄忙侠拖欠本息的行为已构成严重违约。赵建成作为配偶，其自始对该笔款项知情并同意，应视为夫妻共同债务予以清偿。故现为维护合同的严肃性，也为了维护原告自身合法权益，请求判令被告黄忙侠、赵建成向原告清偿借款本金273753.5元及至借款本息清偿完毕之日止的利息、罚息等；本案诉讼费由被告负担。被告黄忙侠在答辩期限内未提出答辩意见。被告赵建成辩称，这笔贷款被告与妻子黄忙侠都没有使用，是因为被告曾在XX城县XX道镇南社片区任信贷客户经理时，原告为了消化不良贷款业务，原告单位领导给被告做思想工作让把该笔贷款转化成正常贷款，就将该笔贷款转移到黄忙侠名下了，被告黄忙侠并不知情，是被告与当时的信用社主任共同办理的，所有黄忙侠的签字都是被告签的。这笔贷款的实际使用人是张振虎，当时张振虎贷款是为了给XX城县XX道镇丰汇农产品公司入股，张振虎已经去世。被告不是实际用款人，原告不应该起诉被告，被告不愿承担还款责任。经审理查明，被告赵建成系原告XX城县XX社职工。2011年2月28日，被告赵建成以其妻子黄忙侠名义与原告签订《个人借款合同》，合同约定借款金额为280000元，借款期限自2011年2月28日至2014年2月20日，月利率10.14‰，利随本清，借款到期后一次性归还。还约定，借款到期不能按时归还的，自逾期次日起计收罚息，罚息利率为借款合同利率上浮40%。该笔贷款的借款合同以及借款借据上的“黄忙侠”签名均为被告赵建成所签，该笔款项的信贷员也为被告赵建成。原告XX城县XX社2015年7月20日逾期贷款催收偿还协议书上的“黄忙侠”签名也为被告赵建成所签。后原告因被告未及时清付本息，于2019年10月31日诉至本院，并提出上述诉讼请求。上述事实，有原告提供的个人借款合同、借款借据、逾期贷款催收偿还协议书以及庭审笔录等在卷佐证，足以认定。本院认为，本案原告XX城县XX社与被告黄忙侠签订的《个人借款合同》并非被告黄忙侠亲笔所签，被告赵建成代签字的行为也并未得到黄忙侠本人授权，该笔借款借据、逾期贷款催收偿还协议书上的签字也非被告黄忙侠所签，因该笔款项数额较大，且被告赵建成辩称被告未实际用款，不愿承担还款责任，原告也未提供该笔贷款转款记录或提供其他证据证明其已将贷款实际发放交付给被告，故对 原告的诉讼请求本院不予支持。综上，依据《中华人民共和国合同法》第六十条、《中华人共和国民事诉讼法》第六十四条、第一百四十四条、最高人民法院关于适用《中华人共和国民事诉讼法》的解释第九十条之规定，判决如下:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   驳回原告XX城县XX社的诉讼请求。案件受理费10330元，由原告XX城县XX社负担。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，上诉于渭南市中级人民法院。                        审  判  长     杜 宏 刚审  判  员     韩 进 刚人民陪审员     崔 锋 军                      二〇一九年十二月二十五日                            书 记 员    孙    乐  1