An enterprise as a legal person must sign and affix the official seal of the enterprise when applying for a loan. If it is a joint-stock company, all shareholders need to hold a shareholders' meeting, and the shareholders' meeting will decide to agree before applying for a loan, so there is no problem that other shareholders of the enterprise interfere in repayment. As for the spouse of an enterprise as a legal person, you need to see if she is one of the shareholders of the enterprise. If she is, she must explain whether she agrees or disagrees with the loan before she starts to borrow. When you get a loan, the bank will tell you what to do. Besides, what you said above, such as that part, is impossible. An enterprise legal person is only the person who makes decisions on behalf of the enterprise, and the creditor's rights and debts of the enterprise have nothing to do with the legal person, not to mention the spouse. As for the shares of enterprise shareholders, although they are the same property as their spouses, the debts of husband and wife are the same except for the same property. When an enterprise loans, the spouse enjoys the rights brought by the loan, but when repaying, the spouse proposes not to undertake the repayment obligation. Does that make sense?