海口市琼山区人民法院
p t ; ” > 民 事 判 决 书
（2016）琼0107民初1218号
原告海口农村商业银行股份有限公司府城支行，住所地海口市琼山区府城镇新大洲大道32号。注册号：（分）460100000226294。
法定代表人杨志书，系该行行长。
委托代理人蒋英，女,海南省农村信用社省联社律师事务部律师。
被告陈吉平，女，1965年5月25日出生，汉族，海口市琼山区府城镇琼州大道33号琼山自来水公司。
被告李春儒，男，1969年4月6日出生，汉族，住海南省海口市。
原告海口农村商业银行股份有限公司府城支行（以下简称海口农商行）诉被告陈吉平、李春儒借款合同纠纷一案。本院于2016年7月11日立案受理后,依法组成合议庭,公开开庭进行了审理。原告海口农商行的法定代表人杨志书及其委托代理人蒋英到庭参加诉讼，被告陈吉平、李春儒经本院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，被告陈吉平以经营水果物流为由向原告申请贷款5万元，原告与被告陈吉平于2011年8月3日签订借款合同，借款金额为5万元，借款期限为3年（36个月），贷款利率9.72%。另，被告李春儒系被告陈吉平的配偶，依照我国婚姻法的规定，夫妻关系存续期间夫妻一方的债务为夫妻共同债务，因此两被告应共同承担偿还上述借款本息的责任。上述借款已于2014年8月3日到期，被告共归还本金3683元，借款到期后，原告通知两被告并多次向其主张权利，暂计至2016年5月21日，被告至今尚欠本金46317元及利息11069.48元。为维护原告的合法权益，根据《中华人民共和国民法通则》的相关规定，请求法院判令：1、被告陈吉平、李春儒共同偿还借款本金46317元及按照合同约定的年利率18.70%计算至贷款实际付清之日止的利息（截至2016年5月21日，被告暂拖欠利息11069.48元）。2、案件诉讼费由两被告承担。
被告陈吉平、李春儒未到庭，亦未作书面答辩。
经审理查明，被告陈吉平以经营水果物流为由向原告申请贷款5万元，原告与两被告于2011年8月3日签订了一份借款合同，合同约定原告向被告贷款5万元，借款期限3年，从2011年8月3日至2014年8月3日，借款期限内的利率是14.40%，逾期利率是18.70%。合同签订后，原告按照合同约定于2011年8月3日向被告陈吉平发放贷款，被告陈吉平于当日收到5万元借款后，向原告出具借款借据一张。借款期限届满后，经原告多次催缴，被告于2014年9月10日还给原告3683元，尚欠原告46317元，为此，原告遂向本院提起诉讼。
本院认为，合法的借贷关系受法律保护。原告依照借款合同约定向被告发放5万元贷款，被告在收到5万元借款后，未依照合同约定在借款期限届满后归还原告借款本金及支付利息，其行为已构成违约，应承担违约责任。被告陈吉平与李春儒系夫妻关系，且不存在债权人与债务人明确约定为个人债务或者属于婚姻法第十九条第三赥规定的情形，故应当按夫妻共同债务处理。两被告经本院合法传唤,无正当理由拒不到庭,视为其放弃举证、质证和辩论的权利，本院依法缺席判决。原告主张两被告归还其借款本金46317元及支付利息有事实和法律依据，本院予以支持。据此，依照《中华人民共和国合同法》第二百零五条、第二百零七条及《中华人民共和国民事诉讼法》第一百四十四条之规定，判决如下：
限被告陈吉平、李春儒于本判决生效之日起十五日内偿还原告海口农村商业银行股份有限公司府城支行借款46317元及支付利息（以5万元为本金，从2011年8月3日至2014年8月3日止，按照合同约定的利率14.40%计算;以46317元为本金,从2014年8月3日至判决限定履行之日止,按照合同约定的利率18.70%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》第二百五十三条之规定，加倍支付延迟履行期间的债务利息。
案件受理费1234.66元，由被告陈吉平、李春儒负担。
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交副本，上诉于海南省海口市中级人民法院。
审判长郭远英
人民陪审员詹武彬
人民陪审员陈传汉
书记员杨凯文
审核：郭远英撰稿：郭远英校对：杨凯文印刷：张林萍
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\"裁判日期\", key: \"trialDate\", value: \"2017-09-08\" },{ name: \"当事人\", key:
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[{法规名称:\'《中华人民共和国合同法》\',Items:[{法条名称:\'第六十条第一款\',法条内容:\' 第六十条
当事人应当按照约定全面履行自己的义务。
当事人应当遵循诚实信用原则，根据合同的性质、目的和交易习惯履行通知、协助、保密等义务。
\'},{法条名称:\'第二百零六条\',法条内容:\'
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。
\'},{法条名称:\'第二百零七条\',法条内容:\'
第二百零七条
借款人未按照约定的期限返还借款的，应当按照约定或者国家有关规定支付逾期利息。
\'},{法条名称:\'第二百一十一条\',法条内容:\'
第二百一十一条
自然人之间的借款合同对支付利息没有约定或者约定不明确的，视为不支付利息。自然人之间的借款合同约定支付利息的，借款的利率不得违反国家有关限制借款利率的规定。
\'}]},{法规名称:\'《中华人民共和国民事诉讼法》\',Items:[{法条名称:\'第六十四条\',法条内容:\'第六十四条
系统尚未收录或引用有误
\'},{法条名称:\'第一百四十四条\',法条内容:\'第一百四十四条
系统尚未收录或引用有误
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