Legal analysis: if it is within marriage, the debt borrowed belongs to both husband and wife, so it needs to be signed by both parties. According to the relevant laws and regulations, even if one spouse borrows money from others in his own name, the basic principle of dealing with debts is to treat them as the same debts of husband and wife. If there is evidence that there is no agreement between husband and wife to borrow money, or the loan is not used for husband and wife to live together, then the debt can be recognized as the borrower's personal debt.

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