民间借贷纠纷中夫妻共同债务的司法认定

民间借贷纠纷中夫妻共同债务的司法认定一、本文概述Overviewofthisarticle随着经济的快速发展和人们生活水平的提高，民间借贷作为一种重要的资金流通方式，在社会经济生活中扮演着日益重要的角色。然而，随之而来的是民间借贷纠纷频发，其中夫妻共同债务的认定成为司法实践中的一个热点问题。夫妻共同债务的认定不仅关系到债权人权益的保护，也涉及夫妻双方的财产权益，因此具有重要的现实意义和理论价值。Withtherapiddevelopmentoftheeconomyandtheimprovementofpeople'slivingstandards,privatelending,asanimportantwayofcapitalcirculation,playsanincreasinglyimportantroleinsocialandeconomiclife.However,withitcomesfrequentdisputesoverprivatelending,amongwhichthedeterminationofjointdebtbetweenspouseshasbecomeahottopicinjudicialpractice.Therecognitionofjointdebtbetweenspousesisnotonlyrelatedtotheprotectionoftherightsandinterestsofcreditors,butalsoinvolvesthepropertyrightsandinterestsofbothspouses.Therefore,ithasimportantpracticalsignificanceandtheoreticalvalue.本文旨在探讨民间借贷纠纷中夫妻共同债务的司法认定问题。通过对相关案例的梳理和分析，本文旨在揭示夫妻共同债务认定的司法实践现状，分析存在的问题和争议，并提出相应的建议和思考。本文希望为司法实践提供有益的参考，推动夫妻共同债务认定规则的完善和发展，以更好地维护当事人的合法权益，促进社会的和谐稳定。Thisarticleaimstoexplorethejudicialdeterminationofjointdebtbetweenspousesincivillendingdisputes.Throughthesortingandanalysisofrelevantcases,thisarticleaimstorevealthecurrentjudicialpracticestatusofjointdebtrecognitionbetweenspouses,analyzetheexistingproblemsanddisputes,andproposecorrespondingsuggestionsandreflections.Thisarticleaimstoprovideusefulreferencesforjudicialpractice,promotetheimprovementanddevelopmentoftherulesfordeterminingjointdebtsbetweenspouses,bettersafeguardthelegitimaterightsandinterestsofthepartiesinvolved,andpromotesocialharmonyandstability.二、夫妻共同债务的基本概念及法律规定Thebasicconceptandlegalprovisionsofjointdebtbetweenspouses夫妻共同债务是指在婚姻关系存续期间，夫妻双方或一方为共同生活需要所负的债务。这些债务可能包括购买家庭必需品、支付子女教育费用、医疗支出、购买或装修共同住所等。还可能包括夫妻一方或双方为经营共同事业或实现共同利益所负的债务。夫妻共同债务的核心特征是债务的产生与夫妻的共同生活或共同利益密切相关。Jointdebtbetweenspousesreferstothedebtincurredbybothpartiesoronepartyduringtheexistenceofamaritalrelationshipforthepurposeoflivingtogether.Thesedebtsmayincludepurchasinghouseholdnecessities,payingforchildren'seducationexpenses,medicalexpenses,purchasingorrenovatingsharedresidences,etc.Itmayalsoincludedebtsincurredbyoneorbothspousestooperateacommonbusinessorachievecommoninterests.Thecorecharacteristicofjointdebtbetweenspousesisthatthegenerationofdebtiscloselyrelatedtotheircommonlifeorcommoninterests.在法律规定方面，各国或地区的民法典通常对夫妻共同债务有所规定。例如，我国《民法典》第一千零六十四条规定：“夫妻双方共同签名或者夫妻一方事后追认等共同意思表示所负的债务，以及夫妻一方在婚姻关系存续期间以个人名义为家庭日常生活需要所负的债务，属于夫妻共同债务。夫妻一方在婚姻关系存续期间以个人名义超出家庭日常生活需要所负的债务，不属于夫妻共同债务；但是，债权人能够证明该债务用于夫妻共同生活、共同生产经营或者基于夫妻双方共同意思表示的除外。”这些规定为司法实践中认定夫妻共同债务提供了法律依据。Intermsoflegalprovisions,thecivilcodesofvariouscountriesorregionsusuallyhaveprovisionsforthejointdebtofspouses.Forexample,Article1064oftheCivilCodeofChinastipulatesthat"debtsincurredbybothspousesthroughjointsignaturesormutualrecognitionbyonespouseafterthefact,aswellasdebtsincurredbyonespouseintheirpersonalnameforthedailyneedsofthefamilyduringtheexistenceofthemarriagerelationship,belongtothecommondebtsofthecouple.Debtsincurredbyonespouseintheirpersonalnameduringtheexistenceofthemarriagerelationshipthatexceedthedailyneedsofthefamilydonotbelongtothecommondebtsofthecouple;however,creditorscanprovethatthedebtsareusedforthecommonlife,productionandoperationofthecouple,orarebasedonthecommonintentionsexpressedbybothspouses,exceptforthoseprovisionsthatprovidelegalbasisfordeterminingthecommondebtsofthecoupleinjudicialpractice.".司法实践中，对于夫妻共同债务的认定，除了依据上述法律规定外，还需结合案件的具体情况，如债务的性质、用途、夫妻双方的经济状况等因素进行综合判断。法院也会考虑债务是否经过夫妻双方共同意思表示或追认，以及债权人是否能够证明债务用于夫妻共同生活或共同经营等因素。Injudicialpractice,forthedeterminationofjointdebtsbetweenspouses,inadditiontofollowingtheabovelegalprovisions,itisalsonecessarytomakeacomprehensivejudgmentbasedonthespecificcircumstancesofthecase,suchasthenatureandpurposeofthedebt,theeconomicsituationofbothspouses,andotherfactors.Thecourtwillalsoconsiderwhetherthedebthasbeenjointlyexpressedorrecognizedbybothspouses,andwhetherthecreditorcanprovethatthedebtisusedforjointlivingorbusinessoperationsofthecouple.夫妻共同债务的认定是一个复杂的过程，需要综合考虑多种因素。正确理解夫妻共同债务的基本概念及法律规定，对于妥善处理民间借贷纠纷中涉及夫妻共同债务的问题具有重要意义。Thedeterminationofjointdebtbetweenspousesisacomplexprocessthatrequirescomprehensiveconsiderationofmultiplefactors.Acorrectunderstandingofthebasicconceptandlegalprovisionsofjointdebtbetweenspousesisofgreatsignificanceforproperlyhandlingissuesrelatedtojointdebtbetweenspousesinprivatelendingdisputes.三、民间借贷纠纷中夫妻共同债务的认定原则Principlesforidentifyingjointdebtsbetweenspousesincivillendingdisputes在民间借贷纠纷中，夫妻共同债务的认定是一个复杂而关键的问题。这涉及到债权人的权益保护、债务人的责任分配以及家庭财产的稳定等多个方面。因此，在司法实践中，认定夫妻共同债务需要遵循一系列原则，以确保公正、公平和合理。Incivillendingdisputes,thedeterminationofjointdebtbetweenspousesisacomplexandcrucialissue.Thisinvolvesmultipleaspectssuchastheprotectionoftherightsandinterestsofcreditors,thedistributionofresponsibilitiesofdebtors,andthestabilityoffamilyproperty.Therefore,injudicialpractice,thedeterminationofjointdebtbetweenspousesneedstofollowaseriesofprinciplestoensurefairness,impartiality,andreasonableness.要遵循“合同约定原则”。即，夫妻双方是否有共同借款的合意，是认定夫妻共同债务的重要依据。如果借款合同或借条等书面证据中明确表明夫妻双方共同借款，那么应当认定为夫妻共同债务。Wemustfollowtheprincipleofcontractualagreement.Thatis,whetherthereisamutualagreementbetweenthecoupletoborrowmoneyisanimportantbasisfordeterminingthejointdebtofthecouple.Ifwrittenevidencesuchasaloancontractorpromissorynoteclearlyindicatesthatthecouplejointlyborrowedmoney,itshouldberecognizedasajointdebtofthecouple.要遵循“债务用途原则”。债务是否用于夫妻共同生活或共同经营，也是认定夫妻共同债务的重要因素。如果债务用途与夫妻共同利益密切相关，如购买家庭住房、支付子女教育费用等，那么应当认定为夫妻共同债务。Weshouldfollowtheprincipleofdebtuse.Whetherthedebtisusedforjointlivingorbusinessbetweenspousesisalsoanimportantfactorindeterminingthejointdebtofspouses.Ifthepurposeofthedebtiscloselyrelatedtothecommoninterestsofthecouple,suchaspurchasingfamilyhousing,payingforchildren'seducationexpenses,etc.,itshouldberecognizedasjointdebtofthecouple.再次，要遵循“公平原则”。在认定夫妻共同债务时，应当考虑到夫妻双方的经济能力、家庭财产状况等因素，确保债务分担的公平性。如果一方经济状况较好，而另一方经济状况较差，那么在认定夫妻共同债务时应当适当考虑双方的经济能力差异。Onceagain,wemustadheretotheprincipleoffairness.Whendeterminingjointdebtsbetweenspouses,factorssuchastheeconomiccapacityandfamilypropertystatusofbothpartiesshouldbetakenintoconsiderationtoensurethefairnessofdebtsharing.Ifoneparty'seconomicsituationisgoodwhiletheotherparty'seconomicsituationispoor,thenwhendeterminingjointdebtsbetweenspouses,appropriateconsiderationshouldbegiventothedifferenceineconomiccapacitybetweenthetwoparties.要遵循“法律规定原则”。在认定夫妻共同债务时，应当严格遵守相关法律法规和司法解释的规定。例如，《民法典》第一千零六十四条规定：“夫妻双方共同签名或者夫妻一方事后追认等共同意思表示所负的债务，以及夫妻一方在婚姻关系存续期间以个人名义为家庭日常生活需要所负的债务，属于夫妻共同债务。”这一规定为认定夫妻共同债务提供了法律依据。Wemustfollowtheprincipleoflegalprovisions.Whendeterminingjointdebtsbetweenspouses,relevantlaws,regulations,andjudicialinterpretationsshouldbestrictlyfollowed.Forexample,Article1064oftheCivilCodestipulates:"Thedebtsincurredbybothspousesthroughjointsignaturesorsubsequentrecognitionbyonespouse,aswellasthedebtsincurredbyonespouseintheirpersonalnameforthedailyneedsofthefamilyduringtheexistenceofthemaritalrelationship,belongtothejointdebtsofspouses."Thisprovisionprovidesalegalbasisfordeterminingthejointdebtsofspouses.在民间借贷纠纷中，夫妻共同债务的认定需要遵循合同约定原则、债务用途原则、公平原则和法律规定原则等多个方面。只有在全面考虑这些原则的基础上，才能确保夫妻共同债务的认定既公正又合理。Incivillendingdisputes,thedeterminationofjointdebtbetweenspousesneedstofollowmultipleprinciplessuchascontractualagreement,debtuse,fairness,andlegalprovisions.Onlybycomprehensivelyconsideringtheseprinciplescanweensurethatthedeterminationofjointdebtbetweenspousesisbothfairandreasonable.四、司法实践中夫妻共同债务认定的难点与问题DifficultiesandIssuesintheRecognitionofJointDebtbetweenCouplesinJudicialPractice在司法实践中，夫妻共同债务的认定常遇到诸多难点和问题，这些问题主要源自法律规定的不明确、举证责任的分配不均以及法官自由裁量权的运用等。Injudicialpractice,thedeterminationofjointdebtbetweenspousesoftenencountersmanydifficultiesandproblems,whichmainlystemfromunclearlegalprovisions,unevendistributionofburdenofproof,andtheuseofjudges'discretion.现行法律对于夫妻共同债务的认定标准并不统一。根据《婚姻法》及其相关司法解释，夫妻共同债务通常包括夫妻为共同生活所负的债务和夫妻一方或双方为履行法定扶养、抚养、赡养义务所负的债务等。然而，这些规定过于笼统，缺乏具体的认定标准和量化指标，导致法官在认定夫妻共同债务时面临较大的自由裁量空间。Thecurrentlawdoesnothaveaunifiedstandardforidentifyingjointdebtsbetweenspouses.AccordingtotheMarriageLawanditsrelevantjudicialinterpretations,jointdebtsbetweenspousesusuallyincludedebtsincurredbythecoupleforlivingtogetheranddebtsincurredbyoneorbothspousestofulfilltheirstatutoryobligationsofsupport,upbringing,andsupport.However,theseregulationsaretoogeneral,lackingspecificidentificationstandardsandquantitativeindicators,whichleadstojudgesfacingsignificantdiscretionwhendeterminingjointdebtsbetweenspouses.举证责任的分配也是夫妻共同债务认定中的一个难题。在民事诉讼中，一般遵循“谁主张、谁举证”的原则。然而，在夫妻共同债务的认定中，由于债务往往涉及夫妻双方的共同利益，举证责任的分配变得复杂。如果要求债权人承担全部的举证责任，可能导致其举证困难，不利于债权的保护；而如果减轻债权人的举证责任，又可能加重债务人的负担，损害其合法权益。Theallocationofburdenofproofisalsoadifficultproblemindeterminingthejointdebtofspouses.Incivillitigation,theprincipleof"whoclaims,whoprovidesevidence"isgenerallyfollowed.However,inthedeterminationofjointdebtbetweenspouses,theallocationofburdenofproofbecomescomplexduetothefactthatdebtofteninvolvesthecommoninterestsofbothparties.Ifcreditorsarerequiredtobearalltheburdenofproof,itmayleadtodifficultiesinprovidingevidence,whichisnotconducivetotheprotectionofcreditors;Iftheburdenofproofforcreditorsisreduced,itmayalsoincreasetheburdenonthedebtorandharmtheirlegitimaterightsandinterests.法官在认定夫妻共同债务时的自由裁量权也是一个不容忽视的问题。由于法律规定的不明确，法官在判断夫妻共同债务时往往需要根据案件的具体情况行使自由裁量权。然而，自由裁量权的过度运用可能导致司法裁判的不一致性和不公正性，影响司法的公信力和权威性。Thediscretionarypowerofjudgesindeterminingjointdebtsbetweenspousesisalsoanissuethatcannotbeignored.Duetotheunclearlegalprovisions,judgesoftenneedtoexercisetheirdiscretionbasedonthespecificcircumstancesofthecasewhenjudgingthejointdebtofspouses.However,theexcessiveuseofdiscretionarypowermayleadtoinconsistencyandunfairnessinjudicialdecisions,affectingthecredibilityandauthorityofthejudiciary.夫妻共同债务的认定在司法实践中存在诸多难点和问题。为了解决这些问题，需要进一步完善相关法律规定，明确夫妻共同债务的认定标准和举证责任分配规则；也需要加强对法官自由裁量权的监督和制约，确保司法裁判的公正性和一致性。Therearemanydifficultiesandproblemsintherecognitionofjointdebtsbetweenspousesinjudicialpractice.Inordertoaddresstheseissues,itisnecessarytofurtherimproverelevantlegalprovisions,clarifythecriteriaforidentifyingjointdebtsbetweenspousesandtherulesforallocatingtheburdenofproof;Itisalsonecessarytostrengthenthesupervisionandrestraintofthediscretionarypowerofjudges,toensurethefairnessandconsistencyofjudicialdecisions.五、典型案例分析Typicalcaseanalysis李某与张某为夫妻，李某因生意需要向王某借款50万元，并出具了个人名义的借条。后李某因经营不善，无法按期偿还债务。王某遂将李某及其配偶张某告上法庭，要求两人共同承担还款责任。法院在审理此案时，综合考虑了李某借款时的目的、借款金额、借款用途以及张某是否知情等因素。最终认定，虽然借款是以李某个人名义所借，但借款用于夫妻共同经营，且张某对此知情，因此该债务应认定为夫妻共同债务，张某需承担共同还款责任。LiandZhangarehusbandandwife.Liborrowed500000yuanfromWangduetobusinessneedsandissuedapersonalloanagreement.Later,duetopoormanagement,Liwasunabletorepaythedebtonschedule.WangthensuedLiandhisspouseZhangincourt,demandingthattheyjointlybeartherepaymentresponsibility.Inthetrialofthiscase,thecourtcomprehensivelyconsideredfactorssuchasthepurposeofLi'sloan,theamountoftheloan,thepurposeoftheloan,andwhetherZhangwasawareofit.ItwasultimatelydeterminedthatalthoughtheloanwasborrowedinthenameofLi,itwasusedforjointmanagementbythecouple,andZhangwasawareofthis.Therefore,thedebtshouldberecognizedasjointdebtofthecouple,andZhangshouldbearjointrepaymentresponsibility.赵某与钱某为夫妻，赵某因购买房产向孙某借款100万元，并以个人名义出具了借条。后赵某与钱某因感情不和离婚，离婚协议中约定所有债务由赵某承担。孙某在得知赵某与钱某离婚后，向两人追讨债务。法院审理认为，虽然赵某与钱某已离婚且约定债务由赵某承担，但该借款发生在夫妻关系存续期间，且用于购买夫妻共同财产，因此应认定为夫妻共同债务。即使离婚协议中有约定，也不能对抗债权人孙某的追讨。因此，法院判决赵某与钱某共同承担还款责任。ZhaoandQianarehusbandandwife.Zhaoborrowed1millionyuanfromSunforpurchasingapropertyandissuedapromissorynoteinhispersonalname.LaterZhaoandQiandivorcedduetoastrainedrelationship,andthedivorceagreementstipulatedthatalldebtsshouldbebornebyZhao.AfterlearningthatZhaoandQianhaddivorced,Sunpursueddebtfrombothofthem.ThecourtheldthatalthoughZhaoandQianhaddivorcedandagreedthatZhaowouldbearthedebt,theloanoccurredduringtheexistenceofthemaritalrelationshipandwasusedtopurchasethecommonpropertyofthecouple.Therefore,itshouldberecognizedasajointdebtofthecouple.Evenifthereisanagreementinthedivorceagreement,itcannotresisttherecoveryofcreditorSun.Therefore,thecourtruledthatZhaoandQianjointlybeartherepaymentresponsibility.通过以上两个典型案例的分析，可以看出在民间借贷纠纷中夫妻共同债务的司法认定过程中，法院会综合考虑借款时的目的、借款金额、借款用途以及配偶是否知情等因素。在认定夫妻共同债务时，不仅要看借款是否以夫妻共同名义所借，还要考虑借款是否用于夫妻共同生活或经营。离婚协议中的债务约定也不能对抗外部债权人的追讨。因此，在民间借贷纠纷中，夫妻双方应当明确约定债务承担方式，并妥善保管相关证据，以便在纠纷发生时能够合理维护自身权益。Throughtheanalysisoftheabovetwotypicalcases,itcanbeseenthatinthejudicialdeterminationprocessofjointdebtbetweenspousesincivillendingdisputes,thecourtwillcomprehensivelyconsiderfactorssuchasthepurposeoftheloan,theamountoftheloan,thepurposeoftheloan,andwhetherthespouseisawareofit.Whendeterminingthejointdebtofacouple,itisnotonlynecessarytoconsiderwhethertheloanwasborrowedinthenameofthecouple,butalsowhethertheloanwasusedfortheircommonlifeorbusiness.Thedebtprovisionsinthedivorceagreementcannotcompeteagainsttherecoveryofexternalcreditors.Therefore,incivillendingdisputes,bothspousesshouldclearlyagreeonthemethodofdebtbearingandproperlykeeprelevantevidence,sothattheycanreasonablyprotecttheirownrightsandinterestsintheeventofadispute.六、完善夫妻共同债务司法认定的建议与措施Suggestionsandmeasuresforimprovingthejudicialrecognitionofjointdebtsbetweenspouses针对当前夫妻共同债务认定标准模糊的问题，立法机关应进一步明确相关法律规定，细化夫妻共同债务的认定标准。例如，可以明确规定夫妻一方在婚姻关系存续期间以个人名义所负的债务，如用于夫妻共同生活或共同生产经营，应认定为夫妻共同债务。同时，应明确排除一些明显不属于夫妻共同债务的情形，如夫妻一方因个人违法犯罪行为所负的债务。Inresponsetothecurrentissueofunclearstandardsfordeterminingjointdebtsbetweenspouses,legislativebodiesshouldfurtherclarifyrelevantlegalprovisionsandrefinethestandardsfordeterminingjointdebtsbetweenspouses.Forexample,itcanbeclearlystipulatedthatthedebtsincurredbyonespouseintheirpersonalnameduringtheexistenceofthemaritalrelationship,suchasthoseusedforjointlivingorproductionandoperation,shouldberecognizedasjointdebtsofthecouple.Atthesametime,itshouldbeclearlyruledoutthatsomesituationsthatdonotbelongtothejointdebtofthecouple,suchasdebtsbornebyonepartyduetopersonalillegalandcriminalacts.法官是夫妻共同债务司法认定的主体，其职业素养和司法能力直接影响到认定的准确性和公正性。因此，应加强对法官的职业培训和业务指导，提高其法律素养和司法能力。同时，应建立法官职业道德评价机制，对法官在夫妻共同债务认定中的行为进行监督和评价，确保其依法公正行使职权。Judgesarethesubjectofjudicialdeterminationofjointdebtsbetweenspouses,andtheirprofessionalcompetenceandjudicialabilitydirectlyaffecttheaccuracyandimpartialityofthedetermination.Therefore,itisnecessarytostrengthenthevocationaltrainingandprofessionalguidanceforjudges,andimprovetheirlegalliteracyandjudicialability.Atthesametime,amechanismforevaluatingtheprofessionalethicsofjudgesshouldbeestablishedtosuperviseandevaluatethebehaviorofjudgesindeterminingjointdebtsbetweenspouses,ensuringthattheyexercisetheirpowersfairlyinaccordancewiththelaw.在夫妻共同债务司法认定过程中，应强化证据规则和证明标准，确保认定的准确性和公正性。对于涉及夫妻共同债务的案件，应要求当事人提供充分的证据证明债务的性质和用途。同时，应明确各类证据的证明力和证明要求，避免因为证据不足或证明标准不明确而导致认定错误。Intheprocessofjudicialdeterminationofjointdebtsbetweenspouses,evidencerulesandproofstandardsshouldbestrengthenedtoensuretheaccuracyandimpartialityofthedetermination.Forcasesinvolvingjointdebtsbetweenspouses,thepartiesshouldberequiredtoprovidesufficientevidencetoprovethenatureandpurposeofthedebts.Atthesametime,theevidentiarypowerandrequirementsofvarioustypesofevidenceshouldbeclearlydefinedtoavoiderrorsinidentificationduetoinsufficientevidenceorunclearevidentiarystandards.在夫妻共同债务司法认定过程中，如果当事人对认定结果有异议，应为其提供完善的司法救济机制。例如，可以允许当事人提起上诉、申请再审或进行申诉等。同时，应加强对司法救济机制的宣传和推广，提高当事人的法律意识和维权能力。Intheprocessofjudicialdeterminationofjointdebtbetweenspouses,ifthepartieshaveobjectionstothedeterminationresult,asoundjudicialreliefmechanismshouldbeprovidedforthem.Forexample,partiescanbeallowedtofileappeals,applyforretrial,orfileappeals.Atthesametime,itisnecessarytostrengthenthepublicityandpromotionofjudicialreliefmechanisms,improvethelegalawarenessandrightsprotectionabilityofthepartiesinvolved.夫妻共同债务司法认定涉及广大群众的切身利益和社会公平正义。因此，应加强社会舆论监督和法律宣传，提高公众对夫妻共同债务司法认定的认识和理解。应积极回应社会关切和热点问题，及时澄清误解和澄清事实真相，维护社会和谐稳定。Thejudicialdeterminationofjointdebtbetweenspousesinvolvesthevitalinterestsofthegeneralpublicandsocialfairnessandjustice.Therefore,itisnecessarytostrengthensocialpublicopinionsupervisionandlegalpublicity,andimprovepublicawarenessandunderstandingofthejudicialrecognitionofjointdebtsbetweenspouses.Weshouldactivelyrespondtosocialconcernsandhotissues,clarifymisunderstandingsandfactsinatimelymanner,andmaintainsocialharmonyandstability.完善夫妻共同债务司法认定需要从多个方面入手，包括提高法律规范的明确性和可操作性、加强法官的职业素养和司法能力、强化证据规则和证明标准、完善司法救济机制以及加强社会舆论监督和法律宣传等。只有这样才能确保夫妻共同债务司法认定的准确性和公正性，维护社会公平正义和人民群众的合法权益。Improvingthejudicialrecognitionofjointdebtsbetweenspousesrequiresstartingfrommultipleaspects,includingimprovingtheclarityandoperabilityoflegalnorms,strengtheningtheprofessionalcompetenceandjudicialabilityofjudges,strengtheningevidencerulesandstandardsofproof,improvingjudicialreliefmechanisms,andstrengtheningsocialpublicopinionsupervisionandlegalpublicity.Onlyinthiswaycanweensuretheaccuracyandimpartialityofthejudicialdeterminationofthejointdebtbetweenspouses,safeguardsocialfairnessandjustice,andsafeguardthelegitimaterightsandinterestsofthepeople.七、结论Conclusion在民间借贷纠纷中，夫妻共同债务的司法认定是一个复杂且重要的议题。这不仅涉及到债权人的合法权益保护，也关联到夫妻双方的财产权益分配。通过本文的分析和探讨，我们可以得出以下几点Incivillendingdisputes,thejudicialdeterminationofjointdebtbetweenspousesisacomplexandimportantissue.Thisnotonlyinvolvestheprotectionofthelegitimaterightsandinterestsofcreditors,butalsorelatestothedistributionofpropertyrightsandinterestsbetweenspouses.Throughtheanalysisanddiscussioninthisarticle,wecandrawthefollowingpoints夫妻共同债务的认定应基于“共同利益”和“共同意思”原则。这意味着，只有当债务是为了夫妻双方的共同利益或基于双方的共同意思表示而产生时，才能被认定为夫妻共同债务。这一原则有助于平衡债权人和债务人之间的利益，确保公平和正义。Th