以自己名义帮他人借款，责任谁来承担？
<div class="wx_rich_media_content" id="jsWxContainer"><section data-role="outer" label="edit by 135editor"><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="139266"><section style="margin: 10px auto;"><section style="background-color: rgb(239, 248, 255);padding: 10px;"><section data-autoskip="1" style="line-height: 1.75em; letter-spacing: 1.5px; color: rgb(60, 77, 86); background-color: transparent;"><p style="text-align:center;line-height: 2em;"><br></p><p style="text-align:center;line-height: 2em;"><span style="font-size: 17px;letter-spacing: 2px;">在借款合同中</span></p><p style="text-align:center;line-height: 2em;"><span style="font-size: 17px;letter-spacing: 2px;">时常出现</span></p><p style="text-align:center;line-height: 2em;"><span style="font-size: 17px;letter-spacing: 2px;">名义借款人与实际借款人不一致的情形</span></p><p style="text-align:center;line-height: 2em;"><span style="font-size: 17px;letter-spacing: 2px;">当出借人主张自己的权利时</span></p><p style="text-align:center;line-height: 2em;"><span style="font-size: 17px;letter-spacing: 2px;">应当由谁来承担还款责任呢</span></p><p style="text-align:center;line-height: 2em;"><span style="font-size: 17px;letter-spacing: 2px;"><span class="wxart_image" wx-style="display:inline-block;vertical-align: inherit;width: 192px;"></span></span></p><p style="line-height: 2em; text-indent: 2.23529em;"><span style="font-size: 17px;letter-spacing: 2px;">近日， 仙桃法院依法审结一起民间借贷纠纷案。</span></p><p style="text-align:center;line-height: 2em;"><br></p><section data-tools="135编辑器" data-id="130608"><section style="width: 100%;line-height: 0;margin: auto;" data-width="100%"><span class="wxart_image" wx-style="display:inline-block;width: 100%;display: block;vertical-align: top;"></span></section></section><section data-role="paragraph"><p><br></p></section><section data-role="title" data-tools="135编辑器" data-id="139276"><section style="margin: 10px auto;display: flex;justify-content: center;"><section style="display: flex;justify-content: center;"><section style="margin-right: 2px;margin-left: 2px;"><section style="background-size: 100%;background-position: center center;background-repeat: no-repeat;font-size: 18px;color: rgb(97, 186, 255);text-align: center;width: 2em;height: 2em;display: flex;justify-content: center;align-items: center;"><strong data-brushtype="text">案</strong></section></section><section style="margin-right: 2px;margin-left: 2px;"><section style="background-size: 100%;background-position: center center;background-repeat: no-repeat;font-size: 18px;color: rgb(97, 186, 255);text-align: center;width: 2em;height: 2em;display: flex;justify-content: center;align-items: center;"><strong data-brushtype="text">情</strong></section></section><section style="margin-right: 2px;margin-left: 2px;"><section style="background-size: 100%;background-position: center center;background-repeat: no-repeat;font-size: 18px;color: rgb(97, 186, 255);text-align: center;width: 2em;height: 2em;display: flex;justify-content: center;align-items: center;"><strong data-brushtype="text">简</strong></section></section><section style="margin-right: 2px;margin-left: 2px;"><section style="background-size: 100%;background-position: center center;background-repeat: no-repeat;font-size: 18px;color: rgb(97, 186, 255);text-align: center;width: 2em;height: 2em;display: flex;justify-content: center;align-items: center;"><strong data-brushtype="text">介</strong><strong data-brushtype="text"></strong></section></section></section></section></section><p style="line-height: 2em;text-indent: 0em;"><span style="font-size: 17px;letter-spacing: 2px;text-indent: 2.23529em;background-color: transparent;caret-color: red;"><span class="wxart_image" wx-style="display:inline-block;vertical-align: inherit;width: 100%;"></span></span></p><p style="line-height: 2em;text-indent: 2.23529em;"><span style="font-size: 17px;letter-spacing: 2px;text-indent: 2.23529em;background-color: transparent;caret-color: red;">2023年8月，赵某经钱某介绍向孙某借款，孙某通过微信向赵某转账10万元，双方在微信中约定每月20日前还款1万元并支付利息直至清偿为止。后赵某未能按期还款，孙某多次催讨未果遂诉至仙桃法院。</span><br></p><section data-role="title" data-tools="135编辑器" data-id="139276"><section style="margin: 10px auto;display: flex;justify-content: center;"><section style="display: flex;justify-content: center;"><section style="margin-right: 2px;margin-left: 2px;"><section style="background-size: 100%;background-position: center center;background-repeat: no-repeat;font-size: 18px;color: rgb(97, 186, 255);text-align: center;width: 2em;height: 2em;display: flex;justify-content: center;align-items: center;"><strong data-brushtype="text">法</strong></section></section><section style="margin-right: 2px;margin-left: 2px;"><section style="background-size: 100%;background-position: center center;background-repeat: no-repeat;font-size: 18px;color: rgb(97, 186, 255);text-align: center;width: 2em;height: 2em;display: flex;justify-content: center;align-items: center;"><strong data-brushtype="text">院</strong></section></section><section style="margin-right: 2px;margin-left: 2px;"><section style="background-size: 100%;background-position: center center;background-repeat: no-repeat;font-size: 18px;color: rgb(97, 186, 255);text-align: center;width: 2em;height: 2em;display: flex;justify-content: center;align-items: center;"><strong data-brushtype="text">审</strong></section></section><section style="margin-right: 2px;margin-left: 2px;"><section style="background-size: 100%;background-position: center center;background-repeat: no-repeat;font-size: 18px;color: rgb(97, 186, 255);text-align: center;width: 2em;height: 2em;display: flex;justify-content: center;align-items: center;"><strong data-brushtype="text">理</strong></section></section></section></section></section><p style="line-height: 2em;text-indent: 2.23529em;"><span style="font-size: 17px;letter-spacing: 2px;">在本案审理过程中，赵某辩称，实际借款人是钱某，钱某因尚欠孙某借款未还清，担心再次借款孙某不同意，遂委托赵某代为借款，赵某在接收案涉借款当天就将该笔款项转给了钱某，并且借款后钱某已向孙某偿还本金4万元，因此，赵某申请追加钱某为本案被告，由钱某承担本案还款责任。庭审中，钱某的说辞与赵某一致，孙某则表示对此毫不知情，其表示与钱某在本案之外存在借贷关系，但与本案无关，不同意追加钱某为被告。</span></p><p style="text-align:center;"><span class="wxart_image" wx-style="display:inline-block;vertical-align:inherit;"></span></p><p style="line-height: 2em;text-indent: 2.23529em;"><span style="font-size: 17px;letter-spacing: 2px;">仙桃法院经审理认为，合法的借贷关系受法律保护。根据孙某与赵某之间的微信聊天及转账记录，能够认定孙某与赵某之间存在借贷关系。赵某虽称钱某已向孙某返还借款本金4万元，但因孙某提交证据证明钱某与其存在其他债权债务关系，该4万元无法认定为案涉借款的还款。最终，仙桃法院依法判决赵某偿还孙某借款10万元并按约定支付利息。判决送达后，双方当事人均服判息诉。</span></p><p style="line-height: 2em;text-indent: 2.23529em;"><br></p><p><span class="wxart_image" wx-style="display:inline-block;vertical-align: inherit;width: 236px;"></span></p><p style="line-height: 2em;text-indent: 2.23529em;"><span style="font-size: 17px;letter-spacing: 2px;">在本案中，虽然赵某、钱某皆称实际借款人为钱某，但孙某对此并不知情，</span><strong><span style="font-size: 17px;letter-spacing: 2px;">根据合同相对性原则，赵某作为名义借款人应承担案涉借款的清偿责任。</span></strong><span style="font-size: 17px;letter-spacing: 2px;">赵某申请追加钱某为本案被告，钱某也自愿作为本案被告加入诉讼，钱某自愿与赵某共同还款，系其真实意思表示，应视为</span><strong><span style="font-size: 17px;letter-spacing: 2px;">债务加入</span></strong><span style="font-size: 17px;letter-spacing: 2px;">，由赵某和钱某承担连带还款责任，</span><strong><span style="font-size: 17px;letter-spacing: 2px;">但同时孙某作为出借人有权选择相对人，孙某不同意追加钱某为被告，视为其放弃要求钱某承担责任的权利，则应由赵某承担还款责任，赵某清偿后，可向实际借款人即钱某追偿。</span></strong></p><p style="line-height: 2em;text-indent: 2.23529em;"><br></p><p><span class="wxart_image" wx-style="display:inline-block;vertical-align: inherit;width: 249px;"></span></p><p style="line-height: 2em;text-indent: 2.23529em;"><span style="font-size: 17px;letter-spacing: 2px;">在民间借贷活动中，当事人应充分考虑借名借款的法律风险，如果确定要以自己名义帮他人借款，应当仔细审查实际用款人的还款能力，并与出借人、实际用款人签订三方协议，或及时向出借人披露实际借款人的存在，表明委托关系，否则名义借款人将承担还款责任。</span></p><p style="line-height: 2em;text-indent: 2.23529em;"><br></p><p><span class="wxart_image" wx-style="display:inline-block;vertical-align: inherit;width: 260px;"></span></p><section data-tools="135编辑器" data-id="111180"><section style="margin: 10px auto;"><section style="overflow-y: auto;height: 400px;width: 100%;display: inline-block;" data-width="100%"><section><section data-autoskip="1" style="color: rgb(51, 51, 51);line-height: 1.75em;font-size: 17px;"><p style="text-align:center;line-height: 2em;"><span style="letter-spacing: 2px;">《中华人民共和国民法典》</span></p></section><section data-autoskip="1" style="color: rgb(51, 51, 51);line-height: 1.75em;font-size: 17px;margin-top: 7px;"><p style="line-height: 2em;text-indent: 2.23529em;"><span style="letter-spacing: 2px;">第四百六十五条 依法成立的合同，受法律保护。依法成立的合同，仅对当事人具有法律约束力，但是法律另有规定的除外。</span></p></section><section data-autoskip="1" style="color: rgb(51, 51, 51);line-height: 1.75em;margin-top: 7px;"><p style="line-height: 2em;text-indent: 2.23529em;"><span style="font-size: 17px;letter-spacing: 2px;">第五百五十二条 第三人与债务人约定加入债务并通知债权人，或者第三人向债权人表示愿意加入债务，债权人未在合理期限内明确拒绝的，债权人可以请求第三人在其愿意承担的债务范围内和债务人承担连带债务。</span></p><p style="line-height: 2em;text-indent: 2.23529em;"><span style="font-size: 17px;letter-spacing: 2px;">第六百六十七条 借款合同是借款人向贷款人借款，到期返还借款并支付利息的合同。</span></p></section></section></section></section></section><p><br></p></section></section><section style="display: flex;align-items: center;margin-top: -10px;"><section style="width: 100%;border-top: 1px dashed rgb(186, 225, 255);height: 1px;overflow: hidden;" data-width="100%"><br></section><section style="flex-shrink: 0;padding-left: 5px;"><section style="width: 30px;"><span class="wxart_image" wx-style="display:inline-block;width: 100%;display: block;vertical-align: inherit;"></span></section></section></section></section></section><section data-role="paragraph"><p><br></p></section><section data-tools="135编辑器" data-id="139249"><section style="margin: 10px auto;display: flex;justify-content: center;"><section style="display: flex;flex-direction: column;"><section style="width: 30px;margin-right: auto;margin-bottom: -10px;margin-left: auto;"><span class="wxart_image" wx-style="display:inline-block;width: 100%;display: block;vertical-align: inherit;"><br></span></section></section></section></section></section><section data-tools="135编辑器" data-id="97253"><section style="margin: 10px auto;"><section style="width: 50%;margin-left: 50%;margin-top: 5px;max-width: 50% !important;" data-width="50%"><span class="wxart_image" wx-style="display:inline-block;width: 100%;display: block;vertical-align: inherit;"></span><span style="font-size: var(--articleFontsize);letter-spacing: 0.034em;"></span></section></section></section></section><p style="display: none;"><mp-style-type data-value="3"></mp-style-type></p><br>来源：湖北省仙桃市人民法院</div><p></p>
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