海南省三亚市中级人民法院
p t ; ” > 民 事 判 决 书
（2017）琼02民终1694号
上诉人：孙中明，男，汉族，1987年1月29日出生，现住辽宁省鞍山市。
委托诉讼代理人：廖世军，辽宁助军律师事务所律师。
被上诉人：王仁东，男，汉族，1974年11月11日出生，现住海南省三亚市。
上诉人孙中明因与王仁东民间借贷纠纷一案，不服三亚市城郊人民法院（2017）琼0271民初7011号民事判决，向本院提起上诉。本院于2017年11月30日立案受理后，依法组成合议庭审理了本案。上诉人孙中明的委托诉讼代理人廖世军、被上诉人王仁东到庭参加诉讼。本案现已审理终结。
孙中明上诉请求：1.撤销一审判决，发回重审或改判；2.案件上诉费由王仁东承担。事实和理由：王仁东与孙中明原系三亚宝瑞通典当行有限公司的同事。王仁东通过孙中明认识了借款人陈某（因赌博犯罪已被羁押）。王仁东向借款人陈某借款，并口头商定按月息5分还息和一角还息。期间，借款人陈某用微信转款给孙中明，让孙中明帮忙给王仁东转款还利息，所以实际借款人是陈某，王仁东应向借款人陈某主张权利。王仁东向法庭提交的借款借条不是孙中明所写，孙中明的委托代理律师在法庭上请求对借条原件进行科学笔迹司法鉴定，查清案件事实。孙中明家住辽宁省鞍山市，离海南省三亚市路途较远，但一审法院却要求孙中明到法庭接受询问。由于孙中明不能在规定的时间内到庭参加询问，一审法院却在很短时间内作出了错误的判决。故孙中明请求二审法院依法发回重审或改判。
王仁东辩称，双方原为同事，王仁东向孙中明借款时每次都是一手交钱一手写欠条按手印，之后孙中明都是每月按时定额付利息至2017年7月3日为止。一审法院于2017年9月18日受理，同年10月26日作出判决，用时38天。期间，孙中明家人二次过来三亚，他本人却不过来。孙中明称一审法院给的时间过短，与事实不符。孙中明所述实际借款人是案外人陈某，但王仁东不认识也没有见过陈某，没有借钱更没有收到陈某出具的收据欠条，也没有收到陈某的一分利息钱。孙中明上诉没有事实和法律依据，请求二审法院驳回上诉，维持原判。
王仁东向一审法院起诉请求：1.判令孙中明返还王仁东借款15万元；2.判决孙中明支付延迟返还借款的利息（从2016年7月24日起算至付清借款之日止，按月息5分计算）；3.本案诉讼费由孙中明承担。
一审法院认定事实：王仁东与孙中明原是三亚宝瑞通典当行有限责任公司的同事。2016年7月24日，孙中明以经营需要资金为由向王仁东借款15万元，孙中明书写了一份《借据》，载明：”借据，今日借王仁东人民币十五万元整（150000元），还款8月15日。借款人孙中明，2016年7月24日。”在该借据落款”孙中明”上捺有指印。王仁东与孙中明口头约定月息5分。至2017年7月2日止，孙中明向王仁东支付利息101200元。之后孙中明没有支付利息，也不还款。王仁东遂向一审法院起诉。在庭审中，孙中明主张借条不是其书写，没有向王仁东借款，是代案外人向王仁东支付利息。一审法院通知孙中明按期限到庭接受询问，并可能对其书写笔迹进行鉴定。但孙中明逾期没有到庭接受询问。
一审法院认为，公民的合法借贷受法律保护。王仁东与孙中明的关系系自然人之间的民间借贷关系。孙中明向王仁东借款15万元事实清楚，证据确凿，予以确认，孙中明应予偿还。因借款时双方约定还款时间和利息，故借款期限届满后王仁东可随时要求孙中明还款并支付利息。由于双方约定的利息为月息5分即年利率60%，超过民间借贷年利率36%，超过部分的利息约定无效；且孙中明已支付至2017年7月3日前的利息101200元，因此，王仁东诉求孙中明支付利息应从2017年7月3日起算，并按年利率24%计算利息。孙中明抗辩主张借条不是其书写，没有向王仁东借款，是代案外人向王仁东支付利息。但孙中明在一审法院通知到庭接受询问却逾期拒绝到庭接受询问。依照《最高人民法院关于适用<中华人民共和国民事诉讼法>的解释》第一百一十条的规定，对孙中明主张的事实不予认定。
依照《中华人民共和国民法通则》第九十条、第一百零六条第一款、第一百零八条，《中华人民共和国合同法》第二百一十一条第二款，《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》第二十六条，《中华人民共和国民事诉讼法》第六十五条，《最高人民法院关于适用<中华人民共和国民事诉讼法>的解释》第一百一十条，《最高人民法院关于民事诉讼证据的若干规定》第二条、第六十三条的规定,判决:孙中明应自本判决发生法律效力之日起十日内向王仁东偿还借款本金15万元并支付利息（从2017年7月3日起至付清借款之日止，按年利率24%计算）。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》第二百五十三条的规定，加倍支付迟延履行期间的债务利息。本案受理费1650元（减半收取，原告已预缴）,由孙中明负担。
二审中，双方当事人没有提交新证据。
一审判决查明的事实属实，本院二审予以确定。
本院认为，本案二审争议焦点为孙中明是否向王仁东借款15万元。《最高人民法院关于民事诉讼证据的若干规定》第二条规定：”当事人对自己提出的诉讼请求所依据的事实或者反驳对方诉讼请求所依据的事实有责任提供证据加以证明。没有证据或者证据不足以证明当事人的事实主张的，由负有举证责任的当事人承担不利后果。”本案中，王仁东依据借条及微信谈话、银行付款记录提起民间借贷诉讼，孙中明上诉称其未向王仁东借款，借条上的签名不是其本人所签，实际借款人为案外人；其认可向王仁东付款，但主张是案外人转钱给孙中明再由代孙中明支付利息。根据案件所附证据，不能证实案件人陈某与本案借款有关联，且孙中明在借款借条所记载日期之后陆续向王仁东支付利息，孙中明未能举证证明双方约定其所付款项是代陈某支付借款利息，也未能举出陈某向其交钱付息的证据，应由孙中明承担举证不能的不利后果。同时，孙中明的委托诉讼代理人在2017年10月20日庭审中主张借条并非孙中明本人签名，口头申请笔迹鉴定，一审法院要求孙中明本人须于2017年10月25日到庭接受询问查明案件事实，并当面提取孙中明本人签名笔迹和指模，以便启动笔迹司法鉴定程序，但孙中明未能按时到庭接受法院询问和当面提交签名笔迹及指模（直至二审审理，孙中明本人也未到庭参加诉讼，仅由委托诉讼代理人参加诉讼活动），也未向一审法院申请延长期限，致使一审法院无法启动签名笔迹鉴定，应由孙中明承担证据失权的责任。因此，一审法院认定孙中明向王仁东借款15万元，且孙中明支付了部分利息，双方间形成自然人之间的民间借贷关系，事实清楚，证据确凿，本院予以认定。由于孙中明已实际支付2017年7月3日前的利息101200元，双方对该利息金额的计算和从2017年7月3日起算按年利率24%计算利息均未提出异议，本院予以确认。孙中明上诉主张双方未实际发生借贷行为，证据不足，本院不予支持。
综上所述，孙中明的上诉请求不能成立；一审判决认定事实清楚，适用法律正确，应予维持。依照《中华人民共和国民事诉讼法》第一百七十条第一款第一项规定，判决如下：
驳回上诉，维持原判。
二审案件受理费1650元，由孙中明负担。
本判决为终审判决。
审判长梁朝
审判员尹合欢
审判员陈太洪
二〇一七年十二月二十六日
法官助理杨睿婕
书记员柯虹附相关法律条文:
《中华人民共和国民事诉讼法》
第一百七十条第二审人民法院对上诉案件，经过审理，按照下列情形，分别处理：
（一）原判决、裁定认定事实清楚，适用法律正确的，以判决、裁定方式驳回上诉，维持原判决、裁定；
（二）原判决、裁定认定事实错误或者适用法律错误的，以判决、裁定方式依法改判、撤销或者变更；
（三）原判决认定基本事实不清的，裁定撤销原判决，发回原审人民法院重审，或者查清事实后改判；
（四）原判决遗漏当事人或者违法缺席判决等严重违反法定程序的，裁定撤销原判决，发回原审人民法院重审。
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