海南省三亚市城郊人民法院
p t ; ” > 民 事 判 决 书
(2017)琼0271民初7012号
原告：王仁东，男，1974年11月11日出生（公民身份号码×××）,汉族，住三亚市。
被告：孙中明，男，1987年1月29日出生（公民身份号码×××），汉族，住辽宁省鞍山市。
委托诉讼代理人：廖世军，辽宁助君律师事务所律师。
原告王仁东诉被告孙中明民间借贷纠纷一案,本院于2017年9月18日立案受理后,依法由审判员谭光华独任审判,于同年10月20日公开开庭进行了审理。原告王仁东，被告孙中明的委托诉讼代理人廖世军庭参加诉讼。本案现已审理终结。
原告王仁东向本院提出诉讼请求：（1）依法判令孙中明返还王仁东借款3万元；（2）依法判决孙中明支付延迟返还借款的利息（从2016年5月29日起算至付清借款之日止，按月息5分计算）；（3）本案诉讼费由孙中明承担。
事实与理由：王仁东与孙中明原是三亚宝瑞通典当行有限责任公司的同事，孙中明以可以合作收购奢饰品获得高额利息为由，于2016年4月30日向王仁东借款3万元，一直拒不还款。同年5月29日被告以扩大经营需要资金为由继续向王仁东借款3万元，并写下一张欠条。之后王仁东一直要求孙中明履行还款义务，孙中明一直以各种理由推脱，拒不还款。根据《中华人民共和国合同法》第一百九十六条、第二百条、第二百零七及《民法通则》第九十条规定”合法的借贷关系受法律保护”，孙中明应返还借款3万元及支付延期还款利息。综上所述，王仁东、孙中明之间的借贷关系合法明确，借款数额及借款期限明确具体。为维护合法权益，王仁东根据《中华人民共和国合同法》、《中华人民共和国民法通则》等相关民事法律向法院提起诉讼，望法院支持王仁东合理诉求。
被告孙中明辩称，我与王仁东无借款的事实，所以无还款的义务。借条不是我写的，从借条”孙中明借王仁东3万元”来看，是我借给王仁东3万元。此外我没有收到过王仁东3万元。
本院经审理认定事实如下：王仁东与孙中明原是三亚宝瑞通典当行有限责任公司的同事。2016年5月29日，孙中明以经营需要资金为由向王仁东借款3万元，孙中明书写了一份《借条》，载明：”借款，2016年5月29日孙中明借王仁东叁万元（30000元）。借款人孙中明，2016年5月29日。”在该借条落款”孙中明”和”2016年5月29日”两处上捺有指印。王仁东与孙中明口头约定月息5分。至2017年7月2日止，孙中明向王仁东支付利息5000元。之后孙中明没有支付利息，也不还款。王仁东遂向本院起诉。在庭审中，孙中明主张借条不是其书写，没有向王仁东借款，是代案外人向王仁东支付利息。本院通知孙中明按期限到庭接受询问，并可能对其书写笔迹进行鉴定。但孙中明逾期没有到庭接受询问。
本院认为，公民的合法借贷受法律保护。王仁东与孙中明的关系系自然人之间的民间借贷关系。孙中明向王仁东借款3万元事实清楚，证据确凿，本院予以确认，孙中明应予偿还。因借款时双方没有约定还款时间，但约定了利息，故王仁东可随时要求孙中明还款并支付利息。由于双方约定的利息为月息5分即年利率60%，超过民间借贷年利率36%，超过部分的利息约定无效；且孙中明已支付至2017年7月3日前的利息5000元，因此，王仁东诉求孙中明支付利息应从2017年7月3日起算，并按年利率24%计算利息。孙中明抗辩主张借条不是其书写，没有向王仁东借款，是代案外人向王仁东支付利息。但孙中明在本院通知到庭接受询问却逾期拒绝到庭接受询问。根据《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》第一百一十条的规定，对孙中明主张的事实本院不予认定。依照《中华人民共和国民法通则》第九十条、第一百零六条第一款、第一百零八条，《中华人民共和国合同法》第二百一十一条第二款，《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》第二十六条，《中华人民共和国民事诉讼法》第六十五条，《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》第一百一十条，《最高人民法院关于民事诉讼证据的若干规定》第二条、第六十三条的规定,判决如下:
被告孙中明应自本判决发生法律效力之日起十日内向原告王仁东偿还借款本金3万元并支付利息（从2017年7月3日起至付清借款之日止，按年利率24%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》第二百五十三条的规定，加倍支付迟延履行期间的债务利息。
本案受理费275元（减半收取，原告已预缴）,由被告孙中明负担。
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出副本,上诉于海南省三亚市中级人民法院。
审判员谭光华
二○一七年十月二十六日
书记员郭雅茹
附相关法律规定:
1、《中华人民共和国民法通则》
第九十条合法的借贷关系受法律保护。
第一百零六条公民、法人违反合同或者不履行其他义务的，应当承担民事责任。
......
第一百零八条债务应当清偿。暂时无力偿还的，经债权人同意或者人民法院裁决，可以由债务人分期偿还。有能力偿还拒不偿还的，由人民法院判决强制偿还。
2、《中华人民共和国合同法》
第二百一十一条......
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。
3、《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，人民法院应予支持。
借贷双方约定的利率超过年利率36%，超过部分的利息约定无效。借款人请求出借人返还已支付的超过年利率36%部分的利息的，人民法院应予支持。
4、《中华人民共和国民事诉讼法》
第六十五条当事人对自己提出的主张应当及时提供证据。
人民法院根据当事人的主张和案件审理情况，确定当事人应当提供的证据及其期限。当事人在该期限内提供证据确有困难的，可以向人民法院申请延长期限，人民法院根据当事人的申请适当延长。当事人逾期提供证据的，人民法院应当责令其说明理由；拒不说明理由或者理由不成立的，人民法院根据不同情形可以不予采纳该证据，或者采纳该证据但予以训诫、罚款。
5、《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》
第一百一十条人民法院认为有必要的，可以要求当事人本人到庭，就案件有关事实接受询问。在询问当事人之前，可以要求其签署保证书。
保证书应当载明据实陈述、如有虚假陈述愿意接受处罚等内容。当事人应当在保证书上签名或者捺印。
负有举证证明责任的当事人拒绝到庭、拒绝接受询问或者拒绝签署保证书，待证事实又欠缺其他证据证明的，人民法院对其主张的事实不予认定。
6、《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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