西安市未央区人民法院民 事 判 决 书（2019）陕0112民初12007号 原告王云娥，女，1972年11月27日出生，汉族，住西安市未央区，公民身份号码XXXXXXXXXXXXXXXXXX。委托代理人万国桥，（原告王云娥之表哥），男。被告任云飞，男，1987年8月20日出生，汉族，住陕西省淳化县，现住西安市，公民身份号码XXXXXXXXXXXXXXXXXX。原告王云娥与被告任云飞民间借贷纠纷一案，本院受理后，依法组成合议庭，公开开庭进行了审理。原告王云娥与委托代理人万国桥到庭参加诉讼，被告任云飞经合法传唤，无正当理由，拒不到庭。本案现已审理终结。原告诉称，2016年10月20日，被告因经营周转困难，向其借款50万元，并后补了借条，承诺还款期限。但逾期未还。诉请：被告偿还借款50万元，并依法律规定贷款利率结算利息；被告赔偿其索要借款的费用1万元；诉讼费由被告承担。被告未出庭答辩，亦未提出书面答辩意见。经审理查明，被告向原告出具“借条”，载明：本人于2016年10月20日借王云娥50万元，此前打的28万元不作数（共借50万元），还款日期2018年5月28日。庭审中，原告称被告在承诺的还款期限届满后，未依约还款。明确诉讼请求为：被告偿还借款50万元，并按年利率24%计算，以28万元为基数，自2016年10月20日计算利息至还款之日，以22万元为基数，自2016年12月30计算利息至还款之日；被告赔偿其索要借款的损失1万元；诉讼费由被告承担。并承诺其所述事实及提交的证据均是真实的，如有虚假导致本案错判，引起的法律后果其同意承担责任并接受处罚。上述事实，有“借条”，录音等证据及原告陈述在卷佐证。本院认为，原告提交的证据可以证明被告借款的事实及借款金额成立，双方形成了民间借贷法律关系，该借贷关系不违反法律、行政法规的禁止性规定，应为有效。原告履行了出借义务，被告承诺2018年5月28日偿还借款。但承诺的还款期限届满后未依约还款，已构成违约。原告要求被告偿还借款本金50万元，依法有据，应予支持。双方未约定利息，被告应自2018年5月29日起向原告支付利息。利息可酌情按中国人民银行同期贷款利率的四倍计算至判决给付之日。原告主张的索要借款损失1万元，非直接损失，且无证据证明，不予支持。被告经本院合法传唤，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、被告任云飞自本判决生效之日起五日内偿还原告王云娥借款本金50万元，并以此款为基数，按中国人民银行同期贷款利率的四倍计算，承担自2018年5月29日至判决给付之日的利息。二、驳回原告王云娥的其余诉讼请求。如果未按照本判决指定的期间履行给付金钱义务，应当按照《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8800元（原告已预交），由被告承担，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  长      王  琦       人民陪审员      马建青人民陪审员      王中琴  二○一九年八月二十二日 书  记  员      叶  娟                                                         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