利息和罚息可以同时主张吗 -法律知识-民间借贷纠纷法律援助-法律咨询免费平台-国际律师联盟

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问题	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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