海南省儋州市人民法院
p t ; ” > 民 事 判 决 书
（2017）琼9003民初4104号
原告：海南康大小额贷款有限公司，住所地海口市国家高新技术产业开发共药谷工业园三路6号。
法定代表人：洪丽萍，该公司董事长。
委托诉讼代理人：方喆鹏，该公司业务经理。
被告：吴应江，男，1980年1月28日出生，汉族，海南省儋州市人，现住儋州市。公民身份号码：×××。
被告：王振花，女，1979年10月6日出生，汉族，海南省儋州市人，现住儋州市。公民身份号码：×××。
原告海南康大小额贷款有限公司诉被告吴应江、王振花民间借贷纠纷一案，本院于2017年8月10日立案后，依法适用简易程序，公开开庭进行了审理。原告海南康大小额贷款有限公司的委托诉讼代理人方喆鹏，被告吴应江到庭参加诉讼，被告王振花经传票传唤，无正当理由拒不到庭参加诉讼。本案现已审理终结。
海南康大小额贷款有限公司向本院提出诉讼请求：1、判决被告吴应江偿还原告借款本金100000元及其利息14000元（利息暂计至2017年7月20日，按照月息及罚息2%计算）；2、判决被告王振花对上述借款承担连带清偿责任。事实与理由：2016年4月7日原告与被告签订《借款合同》一份，合同约定被告吴应江向原告借款人民币100000元，用于流动资金周转。借款期限1年，自实际放款之日起计算。借款利率为月利率1.5%。同日，原告与被告王振花签订《保证合同》一份，约定王振花为上述借款提供连带责任保证担保。上述借款合同及保证合同签订后，原告于2016年4月7日依约发放了贷款，被告吴应江还款截止到2016年12月20日。该笔贷款已于2017年4月7日到期，为了维护原告的合法权益，特向法院起诉，恳请支持原告诉请。
被告吴应江辨称，我向原告借款100000元是事实，但所欠利息14000元如何计算我不清楚。
被告王振花既不作答辨，也不到庭应诉。
本院经审理认定如下事实：2016年4月7日，原告与被告吴应江签订《借款合同》一份，合同约定，被告吴应江向原告借款100000元，借款期限为一年，贷款发放后第六个月归还本金20000元，到期一次性归还剩余本金。借款利率为月利率1.5%，按月结算收取利息，被告吴应江须在每月20日为收息日，支付当月应付利息。同时还约定，借款本金、利息逾期偿还的，被告吴应江不仅要按合同约定利率支付逾期期间的利息，而且要按逾期金额和实际逾期天数支付违约金。违约金为每逾期一日，按违约金的千分之二计收，违约金额为按合同约定到期应偿还而未偿还的本金和利息之和。同日，原告与被告王振花签订《保证合同》一份，保证合同约定，被告王振花为上述借款的本金、利息及违约金提供连带责任保证。担保期限为借款合同履行期限届满之日起二年内。前述借款合同和保证合同签订后，原告于2016年4月7日向被告吴应江发放借款100000元。此后，因被告未能依约向原告偿付借款本息，遂引发本案诉讼。
另查明，被告吴应江与被告王振花是夫妻，自2016年4月7日起收取原告借款100000元后，未向原告偿还过借款本金，但已向原告支付借款利息13400元。庭审中，被告吴应江主张已向原告偿还9个月的借款本息19800元，原告不予认可，被告亦不能向法庭提供证据加以证实。原告因其主张的违约金超出法律规定，要求按月利率2%主张利息，计算至债务付清之日止。
以上事实，有原告与被告签订的《借款合同》、《保证合同》、2016年4月7日”交通银行电子回单凭证”和庭审笔录等佐证，足资认定。
本院认为，依据法律规定，债是按照合同的约定或者依照法律的规定，在当事人之间产生特定的权利和义务关系。享有权利的人是债权人，负有义务的人是债务人。本案中，被告吴应江因资金周转不足，向原告借款后，双方间因此产生了相应的权利和义务关系。因此，原告依约向被告吴应江发放100000借款后，则依法享有要求被告按时依约偿付借款本息的权利，被告吴应江则负有按约定向原告支付借款本息的义务。现吴应江被告不能按时依约向原告付足借款本息，显属违约。原告要求按月利率2%（即年利率24%）计息，并未超出双方对借款利率的约定范围，也不违反法律规定。因此，原告要求被告偿还借款本金100000元并按月利率2%计付利息至债务付清之日止，于法有据，本院予以支持。被告吴应江已向原告偿付的借款利息13400元，应从被告应付利息数额中扣减。被告吴应江主张其已向原告偿付利息19800元，原告不认可，其亦未能举证证实，本院不予采信。被告王振花是本案债务的连带保证责任之保证人，故原告要求被告王振花对上述债务负连带清偿责任，符合《中华人民共和国担保法》第十八条第一款”当事人在保证合同中约定保证人与债务人对债务承担连带责任的，为连带责任保证。”和第二十一条第一款”保证担保的范围包括主债权及利息、违约金、损害赔偿金和实现债权的费用。”的规定，本院予以采纳。被告王振花经传票传唤，无正当理由拒不到庭，依据《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。”的规定，本案依法可以缺席判决。依照《中华人民共和国民法通则》第八十四条、第九十条、第一百零八条、《中华人民共和国担保法》第十八条、第二十一条和《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》第二十六条第一款的规定，判决如下：
一、被告吴应江应于本判决生效之日起三十日内偿还原告海南康大小额贷款有限公司的借款本金100000元及相应利息（利息以100000元为本金，按月利率2%计息，从2016年4月7日起计算至债务付清之日止；被告吴应江已付原告的借款利息13400元应予扣除）。
二、被告王振花对上述债务负连带清偿责任。
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》第二百五十三条规定，加倍支付迟延履行期间的债务利息。
案件受理费1290元，由被告负担。
如不服本判决，可以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，上诉于海南省第二中级人民法院。
审判员梁儒贵
二〇一七年十月十日
书记员曾一花
附：本案适用的相关法律条文
《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》第二十六条第一款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，人民法院应以支持。《中华人民共和国民法通则》第八十四条债是按照合同的约定或者依照法律的规定，在当事人之间产生特定的权利和义务关系。享有权利的人是债权人，负有义务的人是债务人。债权人有权要求债务人按照合同的约定或者依照法律的规定履行义务。第九十条全法的借贷关系受法律保护。第一百零八条债务应当清偿......。《中华人民共和国担保法》第十八条当事人在保证合同中约定保证人与债务人对债务承担连带责任的，为连带责任保证。连带责任保证的债务人在主合同规定的债务履行期限届满没有履行债务的，债权人可以要求债务人履行债务，也可以要求保证人在其保证范围内承包保证责任。第二十一条保证担保的范围包括主债权及利息、违约金、损害赔偿金和实现债权的费用。保证合同另有约定的，按照约定。当事人对保证担保的范围没有约定或者约定不明确的，保证人应当对全部债务承担责任。
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