Legal analysis: For the influence of a husband's bank loan on his wife, it is necessary to determine the nature of the loan, that is, whether it constitutes "the husband and wife have the same debt". During the marriage relationship, the people's court shall support the debts incurred by the husband in his own name due to the daily needs of the family, that is, if the creditor claims the rights on the grounds that the debts belong to the same husband and wife. The people's court will not support the debt incurred by one spouse in his own name during the marriage relationship that exceeds the daily needs of the family, and the creditor claims rights on the grounds that the debt belongs to the same husband and wife, unless the creditor can prove that the debt is used for the life, production and operation of the husband and wife, or because both husband and wife have the same meaning. Therefore, if the husband's bank loan belongs to the family's daily living expenses, the wife should bear the joint liability for repayment; If it exceeds the needs of daily life, such as gambling, drug abuse, etc., it is not regarded as the same debt, but as the husband'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.

Interpretation of the Supreme People's Court on the Application of Marriage and Family Organization (I) Article 34 If a husband and wife collude with a third person to fabricate debts, and the third person claims that the debts are the same as those of the husband and wife, the people's court will not support them.

The people's court will not support the debt incurred by one party due to illegal and criminal activities such as gambling and drug abuse, and the third party claims that the debt is the same debt for husband and wife.