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民间借贷二审答辩书

2019/7/10 17:44:59 达州大竹知名律师

民间借贷答辩书

 

答辩人:何某某,男,197X1025日出生,汉族,住四川省xxxxxxx组。公民身份号码:513029197X1025----.

被答辩人:姜某某,男,196V11日出生,汉族,住大竹县竹阳镇新华路C号。公民身份号码:51302919690101----.

案由:民间借贷纠纷二审案。

答辩人与被答辩人民间借贷纠纷案,答辩人收到上诉书副本,根据上诉人的事实与理由答辩如下:

一、一审判决认定事实清楚,上诉人的五种上诉理由不能成立,请二审法院依法驳回其请求。

1、上诉人向一审法院提交1号证据来证明他没有使用该银行卡,实际是信任公司法定代表人杨某某在使用;用2号证据证明在201591日之前该银行卡是信任公司在使用;用3号证据证明何某某与信任公司是履行合同的当事人。三证据均封存于某县公安局,上诉人向一审法院申请过调查,其中3号证据有某县公安局盖章证明其真实性。一审法院对上述事实没有进行调查。答辩人认为,上述三份证据所证明的事实无论一审法院是否进行调查,均不影响一审法院对本案事实的认定,其理由在于即便证据1能够证明上诉人没有使用过该银行卡,是信任公司的法定代表人杨某某在使用;也不能当然得出借款人是公司或者公司的法定代表人。因为民间借贷的借款人可以要求出借人把款项交付给第三人,因此,上诉人的证据2和证据3均不能证明何某某与公司是履行合同的当事人。

2、上诉人认为李带某辩称,何某某已经承认在借款之时,姜某某明确表示实际用款人是公司法定代表人杨某某。一审法院对该事实未加审查认定。答辩人认为,一审法院已经查明了民间借贷的主体及其已形成了合同法上的民间借贷法律关系的事实,至于该借用途款最终是借款人本人所用或者他人所用,均不影响合同成立并生效。

3、上诉人认为“何某某自认收到了201X10月至201C3月的借款利息每月15000元,共计90000元”,“某居”流水账目也证明了这一事实。答辩人认为收到利息是客观事实,至于利息是债务人本人或者委托其他第三人支付,均不影响合同主体的确定,“某居”流水账目只能够说明借款用途,前面已经说明了该借用途款是本人所用或他人所用,均不影响合同成立及生效,也不能证明何某某与信任公司是履行合同的当事人。

4、上诉人诉称一审法院认为,……被告姜某某因“某居”项目工程向原告借款,事实清楚,证据确凿,双方形成了合法的借贷关系,应当受到法律保护。上诉人根据:“某居”流水项目已经证明该项目工程的经营人是公司不是上诉人。就认为一审法院的认定与事实不符,其实一审法院认定项目的经营者是公司还是姜某某本人与本案中的民间借贷法律关系的主体认定并不矛盾,因为我国法律没有规定款项使用主体与借款主体必须要求一致,本案中借款人借款后的款项用途并没有在合同中约定,也就是说债权人没有要求所借款项由谁使用及用在何处不影响合同成立和生效

5、上诉人认为一审法院在判决书中载明的“被告未提交重庆某居项目工程包含了案涉500000元借款的证据,应当承担举证不力后果,故对被告的辩解,本院不予支持”。这是一审法院判定上诉人败诉的主要依据。证据三“某居”流水项目中第一行摘要载明:“支付50万元借款资金利息”,这一证据已经证明“某居”项目工程包含了案涉500000元借款。答辩人认为上诉人的这一观点无论是否成立均不影响民间借贷合同成立及生效,也不影响合同主体的确定,当然就不影响何某某与姜某某是履行合同主体的客观事实。即便上诉人举证证明了雅居项目工程包含了案涉500000元借款的事实,也只能够证明借款款项用途而已。前面已经说明我国法律也没有规定民间借贷的款项使用主体与借款主体必须要求一致。

综上,上诉人的假设如果他是借款人,为什么何某某没有向其追索利息;信任公司不是借款人,为什么要向何某某支付资金利息,这一假设是不成立的,因为借款人可以委托第三人代为支付利息,因此,即便信任公司不是借款人,是可以向何某某代为支付资金利息,况且本案并不是公司的账户支付利息的,这种支付方式是符合法律规定的,也符合常理。故一审判决认定事实清楚,完全符合我国“以事实为根据,以法律为准绳”的法律精神。

二、本案的案件受理费由被答辩人承担。

根据《人民法院诉讼收费办法》第十九条规定了一个的原则,即:“案件受理费由败诉的当事人负担,双方都有责任的由双方分担。”结合本案实际情况,上诉人的上诉理由不能成立,主张不能得到法院的支持。依法应当由上诉人承担。

此致

xxx中级人民法院

答辩人:

 

 

                 年     

                                                               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