Legal analysis: Whether the debtor's wife bears the repayment responsibility mainly depends on the nature of the husband's loan. If the husband's loan is used for family life and joint business, it belongs to the joint debt of husband and wife, and the wife has the responsibility to repay it within the scope of the joint property of husband and wife.

Legal basis: Article 1064 of the Civil Law of People's Republic of China (PRC) (hereinafter referred to as the Civil Law), the debts jointly signed by the husband and wife or ratified by one of them afterwards, and the debts incurred by one of the husband and wife in his own name for the daily needs of the family during the marriage relationship belong to the joint debts of the husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the daily needs of the family are not joint debts of husband and wife; However, the creditor can prove that the debt is used for husband and wife's common life, joint production and operation, or based on the common will of both husband and wife.