海南省东方市人民法院
p t ; ” > 民 事 判 决 书
（2017）琼9007民初1828号
原告：东方市农村信用��作联社。住所地：海南省东方市八所镇东海路**号。
法定代表人：卢秉英，该社理事长。
委托诉讼代理人：高林忠，该社职员。
被告：陈建愉，女，1979年5月27日出生，汉族，海南省东方市人。公民身份号码×××。
被告：陈海政，男，1978年11月28日出生，汉族，海南省东方市人。公民身份号码×××。
原告东方市农村信用合作联社（以下简称”东方市农信社”）与被告陈建愉、陈海政小额借款合同纠纷一案，本院于2017年8月7日立案后，依法适用简易程序，公开开庭进行了审理。原告东方市农信社的委托诉讼代理人高林忠到庭参加诉讼。被告陈建愉、陈海政经本院传票传唤，无正当理由拒不到庭参加诉讼。本案现已审理终结。
东方市农信社向本院提出诉讼请求：1、判令被告陈建愉偿还原告贷款本金20000元，利息3225.87元（暂计至2017年6月20日止，期后利息含罚息按照合同约定计至偿还之日止），��息合计23225.87元；2、判令被告陈海政对以上贷款本息的偿还承担连带担保责任；3、判令被告承担本案的诉讼费及其他一切相关费用。事实和理由：被告陈建愉、陈海政因生产经营需要，于2012年5月9日向原告贷款20000元，还款方式为按月结息，到期还本，借款期限为2012年5月9日至2014年5月9日，年利率为14.4%（月贷款利息=贷款余额×14.4%/360天）。双方签订了《海南省农村信用社”一小通”小额贷款协议书》，陈建愉与陈海政系夫妻关系。在协议书上，被告自愿加入5户联保小组，如借款人未按时还款，则联保小组成员对以上贷款本息的偿还承担连带担保责任。我社依约发放贷款，被告自2014年5月9日起违反合同约定条款，出现拖欠贷款本息行为，截止2017年6月20日，被告陈建愉偿还贷款本金0元，利息10388.23元，拖欠贷款本金20000元，利息3225.87��，经我社多次上门催收，被告却以各种借口为由未按期归还贷款本息，行为已构成违约，为此，特向贵院提起诉讼，请求依法判决。
被告陈建愉、陈海政未作答辩。
本院经审理认定事实如下：2012年5月9日，被告陈建愉因生产经营需要，与原告分支机构板桥信用社签订了《海���省农村信用社”一小通”小额贷款协议书》，陈建愉与陈海政系夫妻关系。在协议书上，被告自愿加入5户联保小组，并签名捺印。协议约定：还款方式为按月结息，到期还本，借款期限为2012年5月9日至2014年5月9日，年利率为14.4%，如借款人未按时还款，则联保小组成员对贷款本息的偿还承担连带担保责任。原告依约向被告发放贷款20000元。贷款期限已于2014年5月9日届满，但被告尚未还清贷款本息。截止2017年6月20日，陈建愉拖欠贷款本金20000元，利息3225.87元。经原告多次催收，被告尚未还清贷款，为此，原告诉至法院请求依法判决。
本院所确认的上述事实，有原告提供的《企业法人营业执照》、《法人身份证明》、被告的《身份证》、《结婚证》、《常住人口登记卡》、《借款申请书》、《海南省农村信用社”一小通”小额贷款协议书》、《借据》、《还款交易流水》等复印件以及本院的开庭笔录等材料在案为凭，并经本院开庭审查，可以采信。
本院认为，被告陈建愉、陈海政因生产经营需要，于2012年5月9日与原告下属分支机构板桥信用社签订了《小额贷款协议书》，系双方当事人真实意思表示，借贷关系合法有效，应受法律保护。《中华人民共和国合同法》第二百零六条规定”借款人应按照约定的期限返还借款”。被告陈建愉在借款期限于2014年5月9日届满后，未按合同约定还清原告贷款本息，已构成违约。故原告请求判令被告偿还贷款本息的诉讼请求，于法有据，理由成立，本院予以支持。陈建愉与陈海政系夫妻关系，夫妻二人为生产经营需要从原告处贷款并共同在借款协议书上签名捺印，贷款属于夫妻的共同债务。夫妻之间应承担连带清偿责任。故原告对保证人承担连带清偿责任的诉讼请求，理由成立，本院予以支持。被告陈建愉、陈海政经本院传票传唤，无正当理由拒不到庭参加诉讼，视为自动放弃答辩和质证的权利，本院依法缺席判决。依照《中华人民共和国合同法》第八条、第二百零六条、《中华人民共��国婚姻法》第十七条、《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<中华人民共和国民事诉讼法>的解释》第九十条之规定，判决如下：
被告陈建愉向原告东方市农村信用合作联社偿还借款本金
20000元，利息3225.87元（计算至2017年6月20日止），本息合计23225.87元，限于本判决发生法律效力之日起15日内一次性付清；被告陈海政对陈建愉上述债务承担连带清偿责任。
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》第二百五十三条之规定，加倍支付迟延履行期间的债务利息。
案件受理费减半收取人民币190.32元（原告已预交），由被告陈建愉负担。
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或代表人的人数提出副本，上诉于海南省第二中级人民法院。
审判员张学文
二○一七年八月二十八日
书记员周宇
附：适用本案的法律条文内容
《中华人民共和国合同法》
第八条依法成立的合同，对当事人具有法律约束力。当事人应当按照约定履行自己的义务，不得擅自变更或者解除合同。
依法成立的合同，受法律保护。
第二百零六条借款人应当按照约定的期限返还借款。对借款期限没有约定或者约定不明确，依照本法第六十一条的规定仍不能确定的，借款人可以随时返还；贷款人可以催告借款人在合理期限内返还。
《中华人民共和国婚姻法》
第十七条【夫妻共有财产】夫妻在婚姻关系存续期间所得的下列财产，归夫妻共同所有：
（一）工资、奖金；
（二）生产、经营的收益；
（三）知识产权的收益；
（四）继承���赠与所得的财产，但本法第十八条第三项规定的除外；
（五）其他应当归共同所有的财产。
夫妻对共同所有的财产，有平等的处理权。
《中华人民共和国民事诉讼法》
第一百四十四条被告经传票传唤，无正当理由拒不到庭的，或者未经法庭许可中途退庭的，可以缺席判决。
《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》
第九十条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，应当提供证据加以证明，但法律另有规定的除外。
在作出判决前，当事人未能提供证据或者证据不足以证明其事实主张的，由负有举证��明责任的当事人承担不利的后果。
国务院《诉讼费用交纳办法》
第十六条适用简易程序审理的案件减半交纳案件受理费。
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第一百四十五条宣判前，原告申请撤诉的，是否准许，由人民法院裁定。[ly]
人民法院裁定不准许撤诉的，原告经传票传唤，无正当理由拒不到庭的，可以缺席判决。[ly]\'},{法条名称:\'第一百五十四条第一款\',法条内容:\'
第一百五十四条 裁定适用于下列范围：[ly][ly] （一）不予受理；[ly] （二）对管辖权有异议的；[ly] （三）驳回起诉；[ly]
（四）保全和先予执行；[ly] （五）准许或者不准许撤诉；[ly] （六）中止或者终结诉讼；[ly] （七）补正判决书中的笔误；[ly]
（八）中止或者终结执行；[ly] （九）撤销或者不予执行仲裁裁决；[ly] （十）不予执行公证机关赋予强制执行效力的债权文书；[ly]
（十一）其他需要裁定解决的事项。[ly] 对前款第一项至第三项裁定，可以上诉。[ly]
裁定书应当写明裁定结果和作出该裁定的理由。裁定书由审判人员、书记员署名，加盖人民法院印章。口头裁定的，记入笔录。[ly]\'}]}]};if
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