海南省第二中级人民法院
p t ; ” > 民 事 判 决 书
（2017）琼97民终1221号
海南省第二中级人民法院
民事判决书
（2017）琼97民终1221号
上诉人（原审被告）：陈禄卿，男，1974年7月25日出生，汉族，海南省儋州市人，住海南省儋州市，公民身份号码×××。
被上诉人（原审原告）：陆庆棠，男，1968年11月24日出生，汉族，海南省儋州市人，住海南省儋州市，公民身份号码×××。
委托诉讼代理人：王本生，海南林源律师事务所律师。
上诉人陈禄卿因与被上诉人陆庆棠民间借贷纠纷一案，不服海南省儋州市人民法院（2017）琼9003民初2210号民事判决，向本院提起上诉。本院依法组成合议庭进行了审理，上诉人陈禄卿、被上诉人的委托诉讼代理人王本生到庭参加诉讼。本案现已审理终结。
上诉人陈禄卿上诉请求：撤销儋州市人民法院（2017）琼9003民初2210号民事判决，驳回陆庆棠的诉讼请求。事实和理由：一、一审违反法定程序。陈禄卿一审开庭时提交证据，一审法院未予接受，据此认定陈禄卿未提交证据，导致陈禄卿的重大诉讼权利不能得到保护。二、一审认定事实不清，适用法律错误。陆庆棠不能说明陈禄卿有几次借款，包括时间、数额及对利息方面的约定等证据，反而陈禄卿能够提交充分的证据证明陆庆棠借给陈禄卿的借款本金以及利息方面的约定，陈禄卿借款只有54500元，即2013年10月29日借款30000元，2013年12月24日借款20000元，2014年6月8日借款34500元（2014年6月23日还款20000元，余14500元），陆庆棠主张陈禄卿借款150000元，实际上是借款本金54500元按月利率10%计算利息得来的。陆庆棠将法律不予保护的高额利息计入本金，明显违反《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》第二十七条的规定，一审判决陈禄卿应偿还150000元借款本金属适用法律错误。
被上诉人陆庆棠辩称，陈禄卿所述的是单方面说法，没有双方签名确认。一审认定的事实清楚，不存在查明事实不清的问题。请求驳回上诉，维持原判。
陆庆棠向一审法院起诉请求：1、陈禄卿偿还陆庆棠借款本金150000元并按银行同期贷款利率三倍支付利息；2、案件受理费由陈禄卿负担。
一审法院认定的事实：陈禄卿因生意资金周转困难分别于2013年、2014年多次向陆庆棠借款，经双方对前期借款结算后，陈禄卿收回《借条》，并于2015年6月1日重新给陆庆棠出具《借条》，该《借条》内容载明：由于生意上乙方资金周转，向甲方借到现金人民币拾伍万元整（￥150000元），限于2016年6月1日还清，经双方友好协议，如乙方不守信用，逾期无法还清以上所有欠款。那么，有关方面的法律责任由乙方自负，本协议自双方签字之日起生效。甲方：陆庆棠；乙方：陈禄卿。借款人乙方陈禄卿定于每月还壹万元回甲方，还到完为止。陆庆棠与陈禄卿在借条中没有约定利息。还款时间届满后，经陆庆棠多次催促偿还未果，陆庆棠遂提起诉讼。
庭审中，陈禄卿主张借款本金是54500元，而不是150000元，150000元是由借款本金54500元按月利率10%计算的本息，但是陈禄卿不能提供证据予以证实。
经征询陆庆棠的意见，陆庆棠表示愿意放弃利息主张。
一审法院认为，债务应当清偿。陈禄卿向陆庆棠借款本金150000元且未偿还，事实清楚，证据确凿，应予以认定。陈禄卿未按期还款，其行为已构成违约，故陆庆棠诉请陈禄卿偿还借款，符合法律规定，依法应予支持。陆庆棠愿意放弃利息主张，照准。陈禄卿主张借款本金54500元，但陈禄卿不能提供证据予以证实，陈禄卿之抗辩缺乏事实依据，理由不成立，不予采信。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，《中华人民共和国合同法》第二百一十条之规定，判决：陈禄卿应于判决生效之日起二十日内偿还陆庆棠借款本金150000元。如果未按判决指定的期间履行给付金钱义务，应依照《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3300元，减半收取1650元，由陈禄卿负担。
二审中，法庭组织双方当事人对陈禄卿一审提交的三张《借条》及一份《情况说明》进行质证。陈禄卿认为其提供的证据证明实际借款为54500元。陆庆棠质证意见：该证据与本案无关联。本院认为，陈禄卿提交的《借条》上均注明”作废”字样，《情况说明》为陈禄卿单方制作，陈禄卿主张的实际借款本金、利率等陆庆棠不予认可，而以上证据又无法相互印证，故陈禄卿提出的证据不能证明其主张的事实。
一审查明的事实，二审予以确认。
本院认为，本案二审的争议焦点是：陈禄卿向陆庆棠借款本金应如何认定。
根据《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》第二十八条的规定，只要不超过年利率24%，借贷双方可对前期借款本息结算后将利息计入后期借款本金并重新出具债权凭证。《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，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，由负有举证证明责任的当事人承担不利的后果。”陈禄卿为证明其向陆庆棠借款仅为54500元的事实，提供了三张《借条》及《情况说明》予以证明。对于以上证据，陆庆棠予以否认。本院认为，三张《借条》上均注有”作废”字样，《情况说明》为陈禄卿单方制作，在陆庆棠不予确认《情况说明》中的利率、利息数额的情况下，无法依据上述证据得出借款月利率为10%即年利率超过24%的结论。而陆庆棠提供的《借条》中陈禄卿却自愿确认借到了陆庆棠150000元，故陈禄卿提供的证据尚不足以推翻其本人签名确认并由陆庆棠提供的《借条》。依上述司法解释，陈禄卿应承担举证不能的法律后果。一审判决认定陈禄卿借款本金为150000元，具有事实根据和法律依据，本院予以支持。
综上，上诉人上诉无理，本院不予支持。一审判决认定事实清楚，适用法律及处理并无不妥，本院予以支持。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之规定，判决如下：
驳回上诉，维持原判。
二审案件受理费3300元，上诉人陈禄卿负担。
本判决为终审判决。
审判长吴慧明
审判员康文举
审判员龙蜀娟
二○一七年十一月七日
书记员邓业荣
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caseinfo=JSON.stringify({\"法院ID\":\"1937\",\"案件基本情况段原文\":\"\",\"附加原文\":\"附1、本案证据目录
一、原告提交的证据和证明目的如下： 证据一、借条，拟证明2014年7月10日被告向原告借款的事实；
证据二、银行取款凭据，拟证明原告通过银行向被告张友武汇款50万元的事实； 证据三、张友武和王采芬的身份证和结婚证复印件，拟证明二被告系夫妻关系。
附2、相关法律条文 《中华人民共和国合同法》 第一百九十六条借款合同是借款人向贷款人借款，到期返还借款并支付利息的合同。
第二百零五条借款人应当按照约定的期限支付利息。对支付利息的期间没有约定或者约定不明确，依照本法第六十一条的规定不能确定，借款期间不满一年的，应当在返还借款时一并支付；借款期间一年以上的，应当每届满一年时支付，剩余期间不满一年的，应当在返还借款时一并支付。
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。
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。
《最高人民法院关于适用（中华人民共和国婚姻法）若干问题的解释（二）》
第二十四条债权人就婚姻关系存续期间夫妻一方以个人名义所负债务主张权利的，应当按夫妻共同债务处理。但夫妻一方能够证明债权人与债务人明确约定为个人债务，或者能够证明属于婚姻法第十九条规定情形的除外。
《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挺好的，可以缺席判决\",\"审判程序\":\"一审\",\"案号\":\"（2017）鄂0984民初1277号\",\"不公开理由\":\"\",\"法院地市\":\"孝感市\",\"法院省份\":\"湖北\",\"文本首部段落原文\":\"\",\"法院区域\":\"\",\"文书ID\":\"a112e135-904b-4a53-8f9f-a7e7012ef90d\",\"案件名称\":\"戴东生与张友武、王采芬民间借贷纠纷一审民事判决书\",\"法院名称\":\"汉川市人民法院\",\"裁判要旨段原文\":\"\",\"法院区县\":\"汉川市\",\"补正文书\":\"2\",\"DocContent\":\"\",\"文书全文类型\":\"1\",\"诉讼记录段原文\":\"原告戴东生与被告张友武、王采芬民间借贷纠纷一案，本院于2017年4月24日立案后，依法适用简易程序，公开开庭进行了审理。原告的委托诉讼代理人和被告张友武到庭参加诉讼，被告王采芬经本院合法传唤未到庭参加诉讼。本案现已审理终结\",\"判决结果段原文\":\"\",\"文本尾部原文\":\"\",\"上传日期\":\"\\\/Date(1504800000000)\\\/\",\"案件类型\":\"2\",\"诉讼参与人信息部分原文\":\"\",\"文书类型\":null,\"裁判日期\":null,\"结案方式\":null,\"效力层级\":null});$(document).attr(\"title\",\"戴东生与张友武、王采芬民间借贷纠纷一审民事判决书\");$(\"#tdSource\").html(\"戴东生与张友武、王采芬民间借贷纠纷一审民事判决书
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