海口市琼山区人民法院
p t ; ” > 民 事 判 决 书
（2016）琼0107民初1217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。
委托代理人宋喜贺，女,海口农村商业银行股份有限公司风险保全部职员，住海口市美兰区万恒路滨海华庭B2-405。身份证号码：×××。
被告黄琼兰，女，1973年5月1日出生，汉族，海口市琼山区府城银湘公寓*幢*单元***房。
被告吴传女，女，1951年6月10日出生，汉族，住海口市。
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）诉被告黄琼兰、吴传女借款合同纠纷一案。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。原告海口农商行的委托代理人宋喜贺到庭参加诉讼，被告黄琼兰、吴传女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，被告黄琼兰担保其丈夫陈育以经营酒店为由向原告申请贷款5万元，原告与被告黄琼兰及其丈夫陈育于2011年3月25日签订了借款合同，借款金额为5万元，借款期限为4年（48个月），贷款利率14.40%。另，被告黄琼兰系陈育的配偶，依照婚姻法的规定，夫妻关系存续期间夫妻一方的债务为夫妻共同债务，被告吴传女系被继承人陈育的母亲，依照继承法的规定，继承人有偿还被继承人债务的责任，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2015年3月25日到期，借款到期后，原告通知二被告并多次向其主张权利，暂计至2016年05月21日，被告至今尚欠本金5万元及利息21171.88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、被告黄琼兰、吴传女共同偿还借款本金5万元及按照合同约定的年利率21.60%计算至贷款实际付清之日止的利息（截至2016年05月21日，被告暂拖欠利息21171.88元）。2、案件诉讼费由两被告承担。
被告黄琼兰、吴传女未到庭，亦未作书面答辩。
经审理查明，被告黄琼兰及其丈夫陈育以经营酒店为由向原告申请贷款5万元，2011年3月25日原告与被告黄琼兰及丈夫陈育签订一份借款合同，合同约定原告向被告贷款5万元，借款期限4年（48个月），从2011年3月25日到2015年3月25日，贷款利率是14.40%。借款期限届满后，陈育于2013年12月30日因疾病死亡，其继承人为吴传女，被告黄琼兰下落不明。为此，原告遂向本院提起诉讼。
以上事实有原告提供的贷款合同、借款借据、拖欠贷款本息明细表、结婚证、死亡证明书及原告的当庭陈述和庭审笔录为佐证，经庭审核实，足以认定。
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。被告黄琼兰与陈育系夫妻关系，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款规定的情形，故应当按夫妻共同债务处理。被告吴传女是陈育的法定继承人，依照继承法的规定，继承人有偿还被继承人债务的责任。因此，被告吴传女应偿还该笔债务。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5万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：
限被告黄琼兰、吴传女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5万元及支付利息（以5万元为本金，从2011年3月25日至2015年3月25日止，按照合同约定的利率14.40%计算，自2015年3月26日起至实际清偿之日止，以实际欠款本息为基数，按年利率21.60%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1579.30元，由被告黄琼兰、吴传女负担。
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
人民陪审员吴坤弼
人民陪审员詹武彬
书记员周衍
审核：郭远英撰稿：郭远英校对：周衍印刷：张林萍
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