海南省东方市人民法院
p t ; ” > 民 事 判 决 书
（2017）琼9007民初1059号
原告：吉书龙，男，1962年10月10日出生，汉族，海南省东方市人，农民，住东方市，公民身份号码×××。
被告：赵廷华，男，1964年10月7日出生，汉族，海南省东方市人，农民，住东方市，公民身份号码×××。
被告：吉发栽，女，1955年9月30日出生，汉族，海南省东方市人，农民，住东方市，公民身份号码。
原告吉书龙与被告赵廷华、吉发栽民间借贷纠纷一案，本院于2017年3月20日立案后，依法适用简易程序，公开开庭进行了审理。原告吉书龙、被告赵廷华、吉发栽均到庭参加诉讼。本案现已审理终结。
原告吉书龙向本院提出诉讼请求：1、判令二被告还清借款叁仟伍佰元及利息（按2%计付），二被告对叁仟伍佰元借款及利息承担连带偿还责任；2、诉讼费用由二被告承担。事实和理由：被告赵廷华因做生意缺少资金于一九九四年三月十五日写下借条，向原告借现金人民币叁仟伍佰元，利息每月伍元。被告吉发栽作为担保人担保，二被告都在借条上签名和盖指印。约定还款期限于九四年四月十五日。但是，被告不讲信用，借钱到手后不还本金，也不付利息，经原告多次追讨，担保人于1996年3月10日付给利息2400元，并保证于2016年底还清本息。2016年12月过后，二被告也不兑现。给原告带来精神负担和经济损失。
为了及时追讨被告还清借款和利息，特向人民法院起诉，请依法判准上列请求。
被告赵廷华辩称，我承认欠这笔钱，我也愿意偿还这笔钱，但是原告不应该扣担保人的钱。我当时搞高速公路，向村委会借了一辆抽水机，押了5000元押金给村委会的出纳符成魁，被告吉发栽当时也在村委会当干部，吉发栽就向我提出拿这5000元出来偿还给原告，后来吉发栽找符成魁拿钱的时候，符成魁不肯把这笔钱交给吉发栽。
被告吉发栽辩称，当时我在村委会叫符成魁拿5000元出来，但是符成魁没有钱给我，后来原告来找我，我因为是担保人，所以我拿自己的2400元出来给了原告。
本院经审理认定事实如下：1994年3月15日，被告赵廷华以做生意缺少资金为由，向原告借款3500元，被告赵廷华向原告出具了《借条》。《借条》载明：今借到吉书龙现款叁仟伍佰元整，按每壹佰元每月伍元付利息，限九四年四月十五日前还款。被告吉发栽作为担保人在《借条》上签名。借款期限届满，被告赵廷华未履行偿还借款本金及利息的义务，为此，担保人吉发栽于1996年3月10日向原告出具了一份《担保书》，《担保书》载明：吉发栽于1996年3月10日付给利息2400元整，定于2016年年底还清本息。保证期限届满，二被告仍未履行偿还借款本金及利息的义务，为维护原告的合法权益，原告特向本院提起诉讼，请求本院依法支持其诉讼请求。原告向本院提交证据一《借条》、证据二《担保书》。被告赵廷华对证据一没有异议，对证据二不予认可；被告吉发栽对原告提交的证据一、二没有异议。二被告未向本院提交证据。上述证据经举证及本院的审查，被告赵廷华对原告提交的证据二有异议，但未能提交证据予以反驳，故本院对原告提交的证据一、二予以采信。
本院认为，合法的借贷关系应受法律保护。本案中原告吉书龙与被告赵廷华自愿签订借款合同，系双方真实意思表示，且未违反法律的禁止性规定，是合法有效的，应受法律保护，故原告诉请被告赵廷华偿还借款本金的诉讼请求，本院应予支持。
原、被告签订的《借条》约定利息按月息5%计算，在起诉时，原告将利息主动调整为按月利率2%计付。原告调整后的利率符合法律规定，本院予以认可。根据《中华人民共和国合同法》的有关规定，原告主张借款期限内利息及逾期利息按月利率2%计付，符合法律规定，本院予以支持。故被告从借款之日起（1994年3月15日）至保证人给付利息之日止（1996年3月10日）共24个月，利息应为1680（3500×2%×24=1680）元，被告吉发栽支付的利息2400元，多余的部分应从本金扣除，因此，自1996年3月10日始，本金应减少为2780[3500-（2400-1680）=2780]元。从1996年3月10日起至借款本息还清之日止的利息，应按本金2780元、月利率2%计算。
被告吉发栽向原告出具的《担保书》约定的担保期限为2016年年底还清本息，原告在担保期限内未向担保人吉发栽要求承担保证责任，依据《中华人民共和国担保法》第二十五条第二款：”在合同约定的保证期间和前款规定的保证期间，债权人未对债务人提起诉讼或者申请仲裁的，保证人免除保证责任；债权人已提起诉讼或者申请仲裁的，保证期间适用诉讼时效中断的规定。”因原告开庭时未能提交证据证明其已向担保人吉发栽提起诉讼或仲裁，保证人免除保证责任。因此，原告诉求被告吉发栽承担连带责任，本院不予支持。
依照《中华人民共和国合同法》第二百零六条、第二百一十一条第二款、《中华人民共和国担保法》第二十五条第二款、《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》第二十九条、《最高人民法院关于民事诉讼证据的若干规定》第二条之规定，判决如下：
一、被告赵廷华于本判决发生法律效力之日起五日内偿还原告吉书龙借款本金2780元及利息（以人民币2780元为本金，按月利率2%计算，从1996年3月10日计算至债务付清之日止。）；
二、案件受理费50元，由被告赵廷华负担；
三、驳回原告吉书龙的其他诉讼请求。
如被告未按本判决指定的期间履行给付金钱义务的，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。
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者代表人的人数提出副本，上诉于海南省第二中级人民法院。
审判员邓春花
二○一七年四月二十五日
书记员朱文立
附：适用本案的法律条文内容
《中华人民共和国合同法》
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。
《中华人民共和国担保法》
第二十五条一般保证的保证人与债权人未约定保证期间的，保证期间为主债务履行期届满之日起六个月。
在合同约定的保证期间和前款规定的保证期间，债权人未对债务人提起诉讼或者申请仲裁的，保证人免除保证责任；债权人已提起诉讼或者申请仲裁的，保证期间适用诉讼时效中断的规定。
《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》
第二十九条借贷双方对逾期利率有约定的，从其约定，但以不超过年利率24%为限。
未约定逾期利率或者约定不明的，人民法院可以区分不同情况处理：
（一）既未约定借期内的利率，也未约定逾期利率，出借人主张借款人自逾期还款之日起按照年利率6%支付资金占用期利息的，人民法院应予支持；
（二）约定了借期内的利率但未约定逾期利率，出借人主张借款人自逾期还款之日起按照借期内的利率支付资金占用期间利息的，人民法院应予支持。
《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或者反驳对方诉讼请求所依据的事实有责任提供证据加以证明。
没有证据或者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后果。
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4日向本院起诉，本院于当日受理。本案依法由审判员胡红芳\",\"案件基本情况段原文\":\"\",\"裁判要旨段原文\":\"\",\"判决结果段原文\":\"\",\"附加原文\":\"附件：
本案判决所依据的相关法律和法条 《中华人民共和国合同法》第一百零七条当事人一方不履行合同义务或���履行合同
义务不符合约定的，应当承担继续履行、采取补救措施或者赔 偿损失等违约责任。 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。
《中华人民共和国民事诉讼法》 第一百三十条被告经传票传唤，无正当理由拒不到庭的
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