Bank loans are unlikely to be used for personal or illegal purposes. It can only be used in family life, so it belongs to both husband and wife.
The Supreme People's Court's Interpretation on Several Issues Concerning the Application of the Marriage Law of the People's Republic of China (II) Article 24 Where a creditor claims rights for debts incurred by one of the spouses in his own name during the marriage relationship, it shall be regarded as debts of the spouses. However, unless one of the spouses can prove that the creditor and the debtor clearly agreed to be personal debts, or can prove that it belongs to the circumstances stipulated in the third paragraph of Article 19 of the Marriage Law.
The Supreme People's Court's Interpretation on Relevant Issues Concerning the Application of Law in the Trial of Disputes over Husband and Wife's Debt Article 2 The people's court shall support the debts incurred by husband and wife in their own names due to the daily needs of their families during the marriage, and the creditors claim their rights on the grounds that they belong to the joint debts of husband and wife.