民间借贷纠纷案例汇编 | 法宝双语案例

北大法宝推出“法宝双语案例”栏目。本栏目选取近期热门司法案例进行双语发布，每两周一期，欢迎关注！感谢新老朋友对北大法宝的大力支持，我们会持续为大家提供更好的法律信息服务。本周推送第一百零一期，主要关注民间借贷纠纷案例！

本期双语案例推送成都建宁置业有限公司、薛和荣等民间借贷纠纷再审案等涉民间借贷纠纷案例。

目录

Contents

1.成都建宁置业有限公司、薛和荣等民间借贷纠纷再审案

Chengdu Jianning Real Estate Co., Ltd. v. Xue Herong, et al. (retrial case regarding dispute over private lending)

2.云南兴富高速公路管理有限公司与陕西诚创建设有限公司等借款合同纠纷再审案

Yunnan Xingfu Expressway Management Co., Ltd. v. Shaanxi Chengchuang Construction Co., Ltd., et al. (retrial case regarding dispute over a loan contract)

3.广州元阳房地产开发有限公司与石河子信远业丰股权投资管理有限公司等借款、担保合同纠纷上诉案

Guangzhou Yuanyang Real Estate Development Co., Ltd. v. Shihezi Xinyuan Yefeng Equity Investment Management Co., Ltd., et al. (appeal case regarding dispute over a loan guarantee contract)

一、成都建宁置业有限公司、薛和荣等民间借贷纠纷再审案

Chengdu Jianning Real Estate Co., Ltd. v. Xue Herong, et al. (retrial case regarding dispute over private lending)

【裁判摘要】

出借人与借款人签订和解协议，对借款人两次借款未还的本金、利息等费用重新计算确认，并对还款方式、还款时间、违约责任等进行了约定，则双方对借贷内容进行了实质性变更，应视为双方当事人对相应部分借款在该时间点进行了结算。和解协议签订后，借款人未按和解协议履行还款义务，出借人依据和解协议提起诉讼的，不构成重复起诉。

[Judgment Abstract]

Where a borrower and a lender enter into a settlement agreement for recalculating the outstanding principal and interest over two borrowings and for specifying the repayment method, repayment time, and liability for default, it should be determined that substantial modifications to the loan relationship have been made and the parties have settled some loans at the very time. If, after the execution of the settlement agreement, the borrower fails to fulfill its repayment obligation as stipulated in the agreement, an action initiated by the lender pursuant to the agreement does not constitute duplicative action.

【法宝引证码】CLI.C.502918692

[CLI Code] CLI.C.502918692(EN)

二、云南兴富高速公路管理有限公司与陕西诚创建设有限公司等借款合同纠纷再审案

Yunnan Xingfu Expressway Management Co., Ltd. v. Shaanxi Chengchuang Construction Co., Ltd., et al. (retrial case regarding dispute over a loan contract)

【裁判摘要】

公司法定代表人以公司名义为其公司股东的借款等债务提供连带保证的，该担保行为必须经股东会或者股东大会决议法定程序，法定代表人未经法定程序就提供担保的，该担保行为属于越权担保，债权人未尽审查义务的不得主张连带赔偿。但公司内部管理不善存在类似担保行为的，公司对越权担保行为具有过错，应向债权人承担一定的赔偿责任。

[Judgment Abstract]

Where a legal representative of a company provides a joint and several guarantee for the loans or other forms of debts of other shareholders in the name of the company, the guarantee must undergo the legal procedures of being authorized by the resolutions of the shareholders' meeting or the shareholders' general meeting. If the representative provides a guarantee without going through the legal procedures, an ultra vires guarantee is constituted, and the creditor who fails to perform the obligations of due diligence may not make the defendant jointly and severally liable for the damages. If, however, there exists a similar guarantee act in the company due to improper internal corporate management, the company is at fault for the ultra vires guarantee and should also bear certain compensatory liabilities to the creditor.

【法宝引证码】CLI.C.502653624

[CLI Code] CLI.C.502653624(EN)

三、广州元阳房地产开发有限公司与石河子信远业丰股权投资管理有限公司等借款、担保合同纠纷上诉案

Guangzhou Yuanyang Real Estate Development Co., Ltd. v. Shihezi Xinyuan Yefeng Equity Investment Management Co., Ltd., et al. (appeal case regarding dispute over a loan guarantee contract)

【裁判摘要】

合同中约定违约金及逾期利息的，违约方应当如约支付。约定的逾期利息年利率为36%，但遵守合约方主动将计收标准调整为年利率24%的，该收益受法律保护。违约方主张将违约金标准应依法调减为同期银行贷款利率或者LPR利率但理据不足的，人民法院不予支持。

[Judgment Abstract]

Where a contract has stipulated liquidated damages and overdue interest, the breaching party should make the payment as per the contract. If the agreed annual rate of the overdue interest is 36%, but the non-breaching party adjusts it to 24% on its own initiative, the interest income obtained therefrom should be protected by laws. Nevertheless, where, in the absence of sufficient grounds and evidence, the breaching party claims that the agreed liquidated damages rate shall be reduced to the bank loan interest rate of the same period or Loan Prime Rate (LPR), a people's court should not support its claim.

【法宝引证码】CLI.C.412194900

[CLI Code] CLI.C.412194900(EN)

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责任编辑 | 张馨予

稿件来源 | 北大法宝英文编辑组（Mani）

审核人员 | 伍小凤 张文硕

本文声明丨本文由北大法宝原创整理，转载请注明来源。▼往期精彩回顾▼涉专利纠纷案例汇编 | 法宝双语案例
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