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Case of Gan Zhongjian v. Luo Fuke by Chongqing No. 2 Intermediate People's Court (private lending dispute )
(private lending dispute )
重庆二中院判决甘中剑诉罗付科民间借贷纠纷案
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[Key Terms]
loan contract ; debt undertaking ; exemption ; coexistence
[核心术语]
借款合同;债务承担;免责;并存
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[Disputed Issues]
Where in a loan contract, a third party issues receipt for a loan and promises to perform obligation in his own name, afterwards the creditor sues against the third party's repayment, can the original debtor's debt be exempted?
[争议焦点]
1.在借款合同中，第三人以自己的名义向债权人出具借条并承诺履行债务，后债权人起诉第三人还款，此时，原债务人的债务是否免除？
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[Case Summary]
The undertaking of debt refers to on the premise of not changing the contract transferring all or part of the debt to a third party. According to whether the liability of the debtor is exempted after transfer debt undertaking is divided into exempted undertaking and coexistence undertaking. The main difference between them is whether the original debtor continues to bear the debt. Under Article 84 of the Contract Law where the debtor transfers all or part of contract obligations to a third party...
[案例要旨]
债务承担是指在不改变合同的前提下将债务全部或者部分转移给第三人承担的法律现象。按照承担后债务人是否免责为标准可分为免责的债务承担和并存的债务承担两者的主要区别在于...
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Full-text omitted. | | 重庆二中院判决甘中剑诉罗付科民间借贷纠纷案 |
| | ——并存债务承担与免责债务承担的区分 |
| | 裁判要旨 |
| | 第三人与债权人约定债务承担时，未明确约定原债务人是否脱离债权债务关系的，构成并存的债务承担。但第三人通过以自己的名义另行向债权人出具债务凭据并承诺由其按期履行债务等行为表明由其独立承担原债务人的债务，债权人表示同意的，构成免责的债务承担。 |
| | 案情 |
| | 2008年5月，王昌明中标工程后急需资金，遂请罗付科帮其联系借款。后罗付科介绍战友甘中剑与王昌明洽谈借款事宜。甘中剑确认王昌明中标工程属实后同意借款50万元给王昌明。同月12日，王昌明收到甘中剑通过银行转账的50万元借款，王昌明给甘中剑出具了借条。还款期限届满后，王昌明未按期归还借款，双方重新约定：王昌明从原协议约定还款期限届满次日起按月息2%支付利息，王昌明收回原借条并重新出具借条。此后，王昌明通过银行转账15万给甘中剑后未再还款。2010年8月20日，甘中剑与王昌明因还款事宜发生争吵至罗付科家中。争吵中，王昌明离开罗付科家，罗付科以自己的名义给甘中剑出具金额为50万元的借条，并约定于2011年5月21日前归还。该借条约定的还款期限届满后，甘中剑要求罗付科还款，罗付科以不是实际借款人为由拒绝偿还。甘中剑诉至法院，要求罗付科偿还借款50万元。 |
| | 裁判 |
| | 重庆市城口县人民法院经审理认为，甘中剑与王昌明之间的借款关系合法有效。罗付科具有完全民事行为能力，对其出具借条的行为及借条内容并无异议，也无证据证明其出具借条时存在重大误解或受胁迫，表明其愿意归还王昌明借甘中剑的借款。甘中剑接受罗付科出具的借条，并以此作为证据起诉罗付科偿还借款，表明甘中剑同意债务转移。罗付科以自己的名义向甘中剑出具借条的行为成立免责式的债务承担，即债务转移，原债务人王昌明的义务免除，故本案借款应由罗付科负责清偿。遂判决罗付科偿还甘中剑借款余额43万元。 |
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