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利息和罚息可以同时主张吗 -法律知识
释义
法律分析:
不可以。金融借款中的“利息”宜限定为“贷款期内利息”,逾期利息严格意义上属于罚息而非“利息”,罚息系因借款人存在特定违约情形而收取的具有一定惩罚性质的“利息”。
法律依据:
《中华人民共和国商业银行法》 第七条 商业银行开展信贷业务,应当严格审查借款人的资信,实行担保,保障按期收回贷款。商业银行依法向借款人收回到期贷款的本金和利息,受法律保护。
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更新时间:2025/8/2 9:46:32