海南省三亚市中级人民法院
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（2017）琼02民终1692号
上诉人（原审被告）：黄玉银。
委托诉讼代理人：陈波。
被上诉人（原审原告）：王伟。
上诉人黄玉银因与被上诉人王伟民间借贷纠纷一案，不服三亚市城郊人民法院（2017）琼0271民初3713号民事判决，向本院提起上诉。本院于2017年11月30日立案后，依法组成合议庭，开庭进行了审理。上诉人黄玉银的委托诉讼代理人陈波、被上诉人王伟到庭参加诉讼。本案现已审理终结。
黄玉银上诉请求：1.撤销三亚市城郊人民法院（2017）琼0271民初3713号民事判决，驳回王伟的一审诉讼请求；2.一、二审案件受理费由王伟承担。
事实和理由：一、一审法院认定基本事实有误。本案基本事实是，黄玉银基于信任关系先向王伟出具借条，但王伟并未依承诺向黄玉银支付8万元的借款，王伟诉称将现金8万元交给黄玉银的事实根本不存在。《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》第十六条规定：”人民法院在审理民间借贷纠纷案件过程中，对现金交付的借贷，应当根据交付凭证、支付能力、交易习惯、借贷金额的大小、当事人间的关系以及当事人陈述的交易细节经过等因素综合判断。”而一审法院在仅凭借条而无相关转账凭证就认定黄玉银与王伟之间存在借贷关系属于认定事实基本错误。
二、根据《最高人民法院关于民事诉讼证据的若干规定》第二条”当事人对自己提出的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的后果”的规定，王伟在一审中并未提供充分有效证据证明其已向黄玉银提供8万元的借款，应由其承担举证不利的后果，而一审法院在未作充分审查的情况下就支持王伟诉求错误。
王伟辩称，2016年4月29日，黄玉银因需要资金与王伟商量借款8万元，黄玉银拿到现金后才写了借条，借条上清楚写明借款为现金而不是转账。上述事实有黄玉银的身份证复印件与借条等证据可以证明，黄玉银在上诉状中所称与事实不符。
王伟向一审法院起诉请求：1.黄玉银向王伟支付本金8万元；2.黄玉银向王伟支付利息23,040元。
一审法院认定的事实：2016年4月29日，黄玉银向王伟借款，并向王伟出具借条，借条记载：”今借到王伟现金8万元。借条下方注：经双方约定，按月利息3%。”2016年5月21日，王伟开始要求黄玉银还款，黄玉银一直未偿还上述借款。庭审中，王伟明确其主张利息从2016年5月20日计至2017年5月29日。
一审法院认为：一、合法的借贷关系受法律保护。王伟提供黄玉银向其出具的借条证实黄玉银向王伟借款8万元的事实，对该事实予以确认。双方之间属于民间借贷法律关系。王伟已出借8万元借款，黄玉银负有偿还债务的义务。双方在借条上未约定还款期限，王伟可随时要求黄玉银还款，现王伟提起诉讼主张黄玉银还款，黄玉银具有还款义务。故王伟诉求黄玉银偿还借款8万元的理由充分，予以支持。二、依照《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”借贷双方约定的利率未超过年利率24%，出借人请求借款人按照约定的利率支付利息的，人民法院应予支持。借贷双方约定的利率超过年利率36%，超过部分的利息约定无效”的规定，王伟根据借条主张双方约定月利息3%的事实应予确认，但双方约定月利息3%即年利率36%，已超过上述法律规定的利息上限，故王伟主张黄玉银按月利息3%支付利息，不予支持。王伟庭审中明确其主张利息从2016年5月20日计至2017年5月29日，按本金8万元、年利率24%计算涉案利息应为19,680元。王伟主张超过的部分，不予支持。三、黄玉银未到庭抗辩，视为放弃抗辩权利。一审法院依照《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、《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、第二十九条、《中华人民共和国民事诉讼法》第一百四十四条之规定，遂判决：黄玉银应自判决发生法律效力之日起十日内向王伟偿还借款本金8万元及利息19,680元。如果未按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。案件受理费2,360元（王伟已预缴1,180元），减半收取1,180元，由黄玉银负担。
本院二审期间，当事人围绕上诉请求依法提交了证据。本院组织当事人进行了证据交换和质证。对二审争议的证据和事实，本院认定如下：黄玉银提交一份借记卡账户历史明细清单。证明：黄玉银没有收到王伟借款8万元，只收到了4,750元。王伟质证意见：证据真实性、合法性认可，确实曾向黄玉银转账4,750元，但现金借款是在这之后。本院认证意见：对该证据及其证明王伟曾于2016年4月29日16时02分向黄玉银转账支付4,750元的事实予以确认。另，黄玉银二审庭审中自认，双方在2016年4月29日之前也曾有过约2万多元的借贷行为，但未能提交证据证明双方此前交易是通过现金支付还是转账支付。
一审法院查明事实清楚，本院予以确认。
本院认为，本案的争议焦点为王伟是否已实际向黄玉银支付借款8万元。1.王伟已经提交了黄玉银亲笔书写的借条证明借款事实的存在。黄玉银主张王伟未实际支付完8万元的借款，但黄玉银未能提交证据证明其在长达一年多的时间内已向王伟提出过异议或通过其他途径主张权利，这不符合生活常理；2.王伟称双方当事人都是做工程的，完全有支付能力，也因工程应急需要时常备有现金。对此，黄玉银的代理人当庭表示不清楚；3.黄玉银自认双方此前曾有借贷关系，说明双方当事人之间为熟人，再次发生借贷关系符合逻辑；4.王伟虽然曾向黄玉银转账支付过4,750元，但黄玉银并不能证明双方在前期的借贷关系中，双方的交易习惯都是通过银行转账支付，不能否认现金借款的可能；5.黄玉银一审时迟到导致一审法院缺席审理，二审时本人又不到庭参加诉讼，对交易的细节不能对质说清。综上，黄玉银不能提交证据证明王伟不具备支付能力、双方习惯为转账支付、交易的细节等事实，应由黄玉银承担举证不能的法律责任。王伟已经提交了黄玉银出具的借条，应当认定黄玉银向王伟借款8万元的事实确实存在。
综上所述，黄玉银的上诉请求不能成立，应予驳回；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2,292元（黄玉银已预交），由黄玉银负担。
本判决为终审判决。
审判长李柔翰
审判员黄学文
审判员梁泽
二〇一七年十二月二十八日
法官助理黄蕾燕
书记员陈田
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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