**海口市秀英区人民法院稿纸**
**签发：**
**合议庭附署：**
**校对：**
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**拟稿人：**
**事由：
民事判决书**
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**附件： 打印份**
海南省海口市秀英区人民法院
**民事判决书**
（2017）琼0105民初8524号
原告：中国平安财产保险股份有限公司，住所地：广东省深圳市福田中心区福华三路星河发展中心酒店6、7层。
法定代表人：孙建平，总经理。
委托诉讼代理人：吴华，海南海地律师事务所律师。
委托诉讼代理人：符星，海南海地律师事务所律师。
被告：王广平，女，汉族，住海口市。
原告中国平安财产保险股份有限公司（以下简称“平安财保公司”）诉被告王广平信用保险纠纷一案，本院于2017年11月14日立案受理后，依法组成合议庭，于2017年12月29日公开开庭进行了审理。原告平安财保公司委托代理人符星到庭参加诉讼，被告王广平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。
平安财保公司向本院提出诉讼请求：1、判令王广平向平安财保公司支付理赔款共计60626.94元（包括本金59686.01元、利息858.91元、罚息82.02元）；2、判令王广平向平安财保公司支付逾期保费共计6156元；3、判令王广平向平安财保公司支付违约金12822.32元（违约金以保险理赔款60626.94元、逾期保费6156之和为基数，自2017年2月13日起按照每日千分之一的标准暂计至2017年8月23日，实际主张至款项还清之日止）；4、本案诉讼费用由王广平承担。事实和理由：2015年3月23日，王广平与海口苏南村镇银行股份有限公司（以下简称“苏南银行”）签署《个人小额信用借款合同》（以下简称“贷款合同”），王广平向苏南银行借款12万元，贷款利率按照中国人民银行公布的同期基准利率上浮40%执行，本合同项下首期执行贷款年利率为8.05%，贷款期限36个月（自2015年3月23日至2018年3月23日），还款方式为按月等额还本付息。同日，王广平（投保人）就该笔贷款向原告投保信用保证保险，以苏南银行为被保险人，与平安财保公司签署《平安个人贷款保证保险保险单》（以下简称“保险合同”）每月保费率为1.9%，王广平（投保人）应按投保时约定，每月交付保险费。2015年3月23日，苏南银行按照贷款合同约定向王广平发放12万元贷款。但自2016年11月23日开始，王广平再未履行合同约定还款义务。根据保险合同约定：“投保人拖欠任何一期贷款达到80天（不含），保险人依据保险合同约定向被保险人进行理赔。保险人理赔后，投保人需向保险人归还全部理赔款项和未付保费”。平安财保公司于2017年2月13日按照保险合同的约定向被保险人苏南银行进行理赔，理赔金额共计60626.94元，苏南银行向平安财保公司出具了《代偿确认书》。同时，根据保险合同约定：“从保险人理赔当日开始超过30天，投保人仍未向保险人归还上述全部款项的，则视为投保人违约，投保人需以尚欠全部款项为基数，从保险人理赔当日开始计算，按每日千分之一向保险人缴纳违约金”。理赔后，平安财保公司多次向王广平进行催收，王广平始终不予偿还理赔款项和保费。因此截止2017年8月23日，王广平除未付理赔款和保费外，尚欠平安财保公司违约金共计12822.32元。综上所述，王广平拒绝支付理赔款和保费，已构成严重违约，现平安财保公司为了维护自身合法权益，根据《民事诉讼法》的规定，依法提起诉讼，恳请判如所请。
王广平未作答辩。
平安财保公司向本院提交了如下证据：《个人贷款合同》(2015年3月23日)、支付贷款借据、《平安个人贷款保证保险投保单》(2015年3月23日)、《平安个人贷款保证保险保险单》(2015年3月25日)、《客户授权书》(2015年3月23日)、《索赔申请书》、《代偿债务确认书》、欠款明细，王广平未到庭应诉，无法对平安财保公司举证的证据予以质证。经核对证据原件，对上述证据的真实性以及证明效力本院均予以确认。
根据当事人陈述和本院查明的证据认定事实如下：2015年3月23日，王广平与苏南银行签署《个人小额信用借款合同》，王广平向苏南银行借款12万元，贷款利率按照中国人民银行公布的同期基准利率上浮40%执行，本合同项下首期执行贷款年利率为8.05%，贷款期限36个月（自2015年3月23日至2018年3月23日），还款方式为按月等额还本付息。同日，王广平作为投保人就该笔贷款向平安财保公司投保信用保证保险，以苏南银行为被保险人，与平安财保公司签署《平安个人贷款保证保险保险单》，约定每月保费率为1.9%（月保费为2280元），王广平（投保人）应每月交付保险费。《平安个人贷款保证保险保险单》还约定：“投保人拖欠任何一期贷款达到80天（不含），保险人依据保险合同约定向被保险人进行理赔。保险人理赔后，投保人需向保险人归还全部理赔款项和未付保费”及“从保险人理赔当日开始超过30天，投保人仍未向保险人归还上述全部款项的，则视为投保人违约，投保人需以尚欠全部款项为基数，从保险人理赔当日开始计算，按每日千分之一向保险人缴纳违约金”。2015年3月23日，苏南银行按照贷款合同约定向王广平发放共计12万元贷款。自2016年11月23日开始，王广平再未履行合同约定还款义务及支付保费率的义务。平安财保公司于2017年2月13日按照《平安个人贷款保证保险保险单》的约定，向苏南银行进行理赔，理赔金额共计60626.94元，苏南银行向平安财保公司出具了《代偿确认书》。理赔后，平安财保公司多次向王广平进行催收，王广平未予偿还理赔款项，亦未付保费。至2017年2月13日，王广平欠平安财保公司2个月零21天保费6156元未交。
本院认为，平安财保公司与王广平所签订的《平安个人贷款保证保险保险单》系双方的真实意思表示，内容不违反法律、行政法规的禁止性规定，为有效合同。《平安个人贷款保证保险保险单》签订后,平安财保公司已经依约代王广平履行了其对苏南银行偿还贷款及利息的义务，即向被保险人苏南银行进行理赔（理赔金额共计60626.94元）。王广平依约定应当向平安财保公司支付未付的保费及代偿的款项。平安财保公司要求王广平支付理赔款共计60626.94元及逾期保费6156元理由成立，本院予以支持。王广平逾期支付上述款项，已经构成违约，依约定，其应当向平安财保公司支付违约金（违约金以保险理赔款60626.94元、逾期保费6156元之和为本金，按照每日千分之一计，自2017年2月13日计至债务实际付清之日止)。
综上，依据《中华人民共和国合同法》第一百零七条、第一百零九条、第一百一十四条之规定，判决如下：
被告朱明岩于本判决发生法律效力之日起十日内向原告中国平安财产保险股份有限公司支付理赔款60626.94元、保费6156元及逾期支付期间的违约金（以保险理赔款60626.94元、保费6156元之和为本金，按照每日千分之一计，自2017年2月13日计至债务实际付清之日止）。
如果未按本判决指定的期间履行给付金钱义务，应当按照《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1790元，由被告王广平负担。
如不服本判决，可在判决书送达之日起三十日内，向本院递交上诉状，并按对方当事人的人数提出副本，上诉于中华人民共和国海南省海口市中级人民法院。
审判长杨明
人民陪审员王海生
人民陪审员韩露
二〇一七年十二月二十九日
法官助理汤璇
书记员荣子玲
附相关法律条文
**《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者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。
**第一百零九条** 当事人一方未支付价款或者报酬的，对方可以要求其支付价款或者报酬。
**第一百一十四条** 当事人可以约定一方违约时应当根据违约情况向对方支付一定数额的违约金，也可以约定因违约产生的损失赔偿数额的计算方法。
约定的违约金低于造成的损失的，当事人可以请求人民法院或者仲裁机构予以增加；约定的违约金过分高于造成的损失的，当事人可以请求人民法院或者仲裁机构予以适当减少。
当事人就迟延履行约定违约金的，违约方支付违约金后，还应当履行债务。
审核：杨明撰稿：杨明校对：荣子玲
印刷：许斯娜
海南省海口市秀英区人民法院
2017年12月29日印制
（共印6份）
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