夫妻一方以个人名义借款但指定配偶账户收款的，应认定为夫妻共同债务 | “天府小妹微普法” 第314期
<!----><style type="text/css">html{font-size:375%}</style><link href="https://pic.app.jiuquhe.com/static/publish/css/style.css?v=20240712" rel="stylesheet" position="1" data-qf-origin="/static/publish/css/style.css?v=20240712"><!-- 付费贴--> <div class="preview_article "> <!----> <section class="empty_paragraph" style="text-align: center;"></section><section><p style="text-align: center;"> </p><section><section style="-webkit-tap-highlight-color: transparent; margin-bottom: 0px; outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; background-color: #ffffff; visibility: visible;"><section style="-webkit-tap-highlight-color: transparent; margin-bottom: 24px; outline: 0px; color: #222222; letter-spacing: 0.544px; visibility: visible; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><section style="-webkit-tap-highlight-color: transparent; padding: 10px; outline: 0px; background-color: #b3d5db; visibility: visible; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><section style="-webkit-tap-highlight-color: transparent; outline: 0px; visibility: visible; border: 0px none initial;"><section style="-webkit-tap-highlight-color: transparent; outline: 0px; text-align: center; color: #ffffff; visibility: visible;"><p style="-webkit-tap-highlight-color: transparent; outline: 0px; letter-spacing: 0.544px; visibility: visible; line-height: 1.75em;"><span style="-webkit-tap-highlight-color: transparent; outline: 0px; visibility: visible; font-family: 微软雅黑, Microsoft YaHei; letter-spacing: 1px; font-size: 14px;">学法守法，构建和谐家庭</span></p><p style="-webkit-tap-highlight-color: transparent; outline: 0px; letter-spacing: 0.544px; visibility: visible; line-height: 1.75em;"><span style="-webkit-tap-highlight-color: transparent; outline: 0px; visibility: visible; font-family: 微软雅黑, Microsoft YaHei; letter-spacing: 1px; font-size: 14px;">这里是四川省妇联联合</span></p><p style="-webkit-tap-highlight-color: transparent; outline: 0px; letter-spacing: 0.544px; visibility: visible; line-height: 1.75em;"><span style="-webkit-tap-highlight-color: transparent; outline: 0px; visibility: visible; font-family: 微软雅黑, Microsoft YaHei; letter-spacing: 1px; font-size: 14px;">省委全面依法治省办，省司法厅，省妇儿工委办</span></p><p style="-webkit-tap-highlight-color: transparent; outline: 0px; letter-spacing: 0.544px; visibility: visible; line-height: 1.75em;"><span style="-webkit-tap-highlight-color: transparent; outline: 0px; visibility: visible; font-family: 微软雅黑, Microsoft YaHei; letter-spacing: 1px; font-size: 14px;">打造的<span style="-webkit-tap-highlight-color: transparent; outline: 0px; color: #31859b; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; outline: 0px; visibility: visible;">『天府小妹微普法』</strong></span>栏目</span></p><p style="-webkit-tap-highlight-color: transparent; outline: 0px; visibility: visible; line-height: 1.75em;"><span style="-webkit-tap-highlight-color: transparent; outline: 0px; font-size: 14px; visibility: visible;"><span style="-webkit-tap-highlight-color: transparent; outline: 0px; letter-spacing: 1px; color: #31859b; visibility: visible; font-family: 微软雅黑, Microsoft YaHei;"><strong style="-webkit-tap-highlight-color: transparent; outline: 0px; visibility: visible;"><span style="-webkit-tap-highlight-color: transparent; outline: 0px; visibility: visible;">第</span></strong></span><span style="-webkit-tap-highlight-color: transparent; outline: 0px; text-indent: 0em; letter-spacing: 0.544px; visibility: visible;">314</span><span style="-webkit-tap-highlight-color: transparent; outline: 0px; letter-spacing: 1px; color: #31859b; visibility: visible; font-family: 微软雅黑, Microsoft YaHei;"><strong style="-webkit-tap-highlight-color: transparent; outline: 0px; visibility: visible;">期</strong></span></span></p></section></section></section></section></section></section></section><p style="visibility: visible;"><span style="visibility: visible;"> </span></p><section style="visibility: visible;"><img class="rich_pages wxw-img" style="height: auto !important; visibility: visible !important; width: 677px !important;" src="https://pic.app.jiuquhe.com/20260929/17906641054631447904.png" alt="图片" /></section><section><section style="margin-bottom: 0px;"><section><section><p style="text-align: center;"><span style="color: #b2b2b2; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; font-size: 15px; letter-spacing: 0.578px; text-align: center; background-color: #ffffff;">（图为AI生成）</span></p><section style="max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"><section style="max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"><section><section style="font-size: 16px;"><section style="text-align: center; justify-content: center; display: flex; flex-flow: row nowrap; margin-top: 10px; margin-bottom: 20px;"><section style="display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-style: solid; border-width: 1px; min-width: 5%; height: auto; box-shadow: #4577da 6px 6px 0px 0px; padding: 8px;"><section style="text-align: left;"><section style="text-align: justify; font-size: 17px;"><p style="text-align: left; white-space: normal;"><strong>案情简介</strong></p></section></section></section></section></section><p style="line-height: 1.75em; text-indent: 2em;"><span style="font-size: 15px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"> </span></span></p></section><section style="font-size: 16px;"><section style="text-align: justify; justify-content: center; display: flex; flex-flow: row nowrap; margin-top: 10px; margin-bottom: 20px;"><section style="display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-style: solid; border-width: 1px; min-width: 5%; height: auto; box-shadow: #4577da 6px 6px 0px 0px; padding: 8px;"><section style="text-align: left;"><section style="text-align: justify; font-size: 17px;"><p style="text-align: left; white-space: normal;"><strong>法院审理</strong></p></section></section></section></section></section><section style="margin-left: 0; margin-right: 0;"><section><section><section style="line-height: 1.75em; text-indent: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;">本案的争议焦点为：<span style="color: #007aaa; font-weight: bold;">王某以个人名义借款，款项汇入其配偶杨某的账户，案涉借款是否属于王某与杨某的夫妻共同债务。</span></span></section><section style="line-height: 1.75em; text-indent: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;">法院经审理认为，《中华人民共和国民法典》第一千零六十四条规定：“夫妻双方共同签名或者夫妻一方事后追认等共同意思表示所负的债务，以及夫妻一方在婚姻关系存续期间以个人名义为家庭日常生活需要所负的债务，属于夫妻共同债务。夫妻一方在婚姻关系存续期间以个人名义超出家庭日常生活需要所负的债务，不属于夫妻共同债务；但是，债权人能够证明该债务用于夫妻共同生活、共同生产经营或者基于夫妻双方共同意思表示的除外。”</span></section><section style="line-height: 1.75em; text-indent: 2em; margin-bottom: 0px;"><span style="color: rgba(0, 0, 0, 0.9); font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;">本案中，虽然借条仅有王某一人签名，但王某在出具借条时明确指定将全部借款汇入杨某的银行账户，王某静亦按此指示将款项汇入杨某账户。银行账户作为个人重要的金融工具，其申领、密码、使用均由账户持有人本人控制和掌握，具有较强的人身专属性。在无相反证据的情况下，账户持有人对汇入其账户的大额资金应当知情。杨某作为账户所有人，其应知晓案涉借款汇入其账户。在其知晓借款汇入后，未在合理期限内提出异议或采取退款等措施，能够认定其对该笔借款知情并默示同意。因此，王某借款时指定配偶账户收款，王某静将款项汇入该账户，杨某对此明知，应当认定案涉借款系基于王某与杨某的共同意思表示。<span style="color: #007aaa; font-weight: bold;">该债务虽以王某个人名义产生，但已转化为夫妻双方共同认可的债务，符合夫妻共同债务的构成要件。</span>对于杨某提出的不知情、未使用该笔借款的辩解意见，法院不予采纳。法院依法判决：王某、杨某于本判决生效之日起三日内共同偿还王某静借款本金13700元。该判决已发生法律效力。</span></section><section style="line-height: 1.75em; text-indent: 2em; margin-bottom: 0px;"><span style="color: rgba(0, 0, 0, 0.9); font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"> </span></section></section></section></section><section style="font-size: 16px;"><section style="text-align: center; justify-content: center; display: flex; flex-flow: row nowrap; margin-top: 10px; margin-bottom: 20px;"><section style="display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-style: solid; border-width: 1px; min-width: 5%; height: auto; box-shadow: #4577da 6px 6px 0px 0px; padding: 8px;"><section style="text-align: left;"><section style="text-align: justify; font-size: 17px;"><p style="text-align: left; white-space: normal;"><strong>法官说法</strong></p></section></section></section></section></section><section style="line-height: 1.75em; text-indent: 2em;"><span style="font-size: 15px;"><span style="color: rgba(0, 0, 0, 0.9); font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"> </span></span></section><section style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; margin-top: 10px; margin-bottom: 10px;"><section style="display: inline-block; vertical-align: top; width: auto; min-width: 5%; flex: 0 0 auto; height: auto; padding-right: 12px; padding-left: 12px;"><section style="text-align: center; margin-top: 10px; margin-bottom: 10px;"><section style="display: inline-block; width: 18px; height: 18px; vertical-align: top; overflow: hidden; background-color: #e56757; box-shadow: rgba(229, 103, 87, 0.17) -9px 9px 0px; border-bottom: 3px solid #ffffff; border-left: 3px solid #ffffff;"><section style="text-align: justify;"><p style="white-space: normal;"> </p></section></section></section></section><section style="display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 0 0 auto; min-width: 5%; height: auto;"><section style="text-align: justify; font-size: 18px; color: #ef5252;"><p style="white-space: normal;"><strong>法条链接</strong></p></section></section></section><section style="font-size: 16px; line-height: 1.75em;"><section style="text-align: right; justify-content: flex-end; display: flex; flex-flow: row nowrap; margin-top: 10px; margin-bottom: 10px;"><section style="display: inline-block; width: 95%; vertical-align: top; align-self: flex-start; flex: 0 0 auto; height: auto; border-left: 1px solid #e56757; padding: 21px;"><section style="font-size: 15px; text-align: justify;"><p style="line-height: 2em; text-indent: 2em;"><span style="font-size: 15px;"><span style="color: #ab1942;">《中华人民共和国民法典》第一千零六十四条规定</span> 夫妻双方共同签名或者夫妻一方事后追认等共同意思表示所负的债务，以及夫妻一方在婚姻关系存续期间以个人名义为家庭日常生活需要所负的债务，属于夫妻共同债务。夫妻一方在婚姻关系存续期间以个人名义超出家庭日常生活需要所负的债务，不属于夫妻共同债务；但是，债权人能够证明该债务用于夫妻共同生活、共同生产经营或者基于夫妻双方共同意思表示的除外。</span></p></section></section></section></section></section></section></section></section></section></section><p> </p><section><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"> </span></section><section style="margin-bottom: 0px; letter-spacing: 0.578px; text-wrap: wrap; font-size: 16px; text-align: left; text-indent: 24px; outline: 0px; color: #222222; font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; background-color: #ffffff;"><span style="text-wrap: wrap; text-align: left; font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; background-color: #ffffff; font-size: 12px; outline: 0px; color: #888888; letter-spacing: normal; text-indent: 2em;"><span style="font-size: 12px; outline: 0px; color: #888888; letter-spacing: normal; text-indent: 2em;"> 来</span></span><span style="text-wrap: wrap; text-align: left; font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; background-color: #ffffff; line-height: 1.5em; text-indent: 2em; outline: 0px; color: #888888; letter-spacing: normal; font-size: 12px;"><span style="text-wrap: wrap; text-align: left; font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; background-color: #ffffff; font-size: 12px; outline: 0px; color: #888888; letter-spacing: normal; text-indent: 2em;">源</span><span style="text-wrap: wrap; text-align: left; font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; background-color: #ffffff; font-size: 12px; outline: 0px; color: #888888; letter-spacing: normal; text-indent: 2em;">：</span>济宁市兖州区法院、“山东高法”微信公众号</span></section><p style="display: none;"> </p> <!----></div> 又学习一个知识点
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