前夫虚构夫妻共同债务，女子莫名背上近百万元借款，她如何从“被负债”到“被救助”？ | “天府小妹微普法” 第317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><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;">317</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="margin-bottom: 0px; text-align: center; line-height: 2em; margin-left: 8px; margin-right: 8px;"><span style="text-align: center; line-height: 2em; font-size: 18px; color: #292991; font-weight: bold;"><span style="letter-spacing: normal;">张女士与丈夫赵某长期分居</span></span></p><p style="margin-bottom: 0px; text-align: center; line-height: 2em; margin-left: 8px; margin-right: 8px;"><span style="text-align: center; line-height: 2em; font-size: 18px; color: #292991; font-weight: bold;"><span style="letter-spacing: normal;">婚姻关系名存实亡</span></span></p><p style="margin-bottom: 0px; text-align: center; line-height: 2em; margin-left: 8px; margin-right: 8px;"><span style="text-align: center; line-height: 2em; font-size: 18px; color: #292991; font-weight: bold;"><span style="letter-spacing: normal;">赵某向陈某借款100万元</span></span></p><p style="margin-bottom: 0px; text-align: center; line-height: 2em; margin-left: 8px; margin-right: 8px;"><span style="text-align: center; line-height: 2em; font-size: 18px; color: #292991; font-weight: bold;"><span style="letter-spacing: normal;">以其名下的房屋设定抵押</span></span></p><p style="margin-bottom: 0px; text-align: center; line-height: 2em; margin-left: 8px; margin-right: 8px;"><span style="text-align: center; line-height: 2em; font-size: 18px; color: #292991; font-weight: bold;"><span style="letter-spacing: normal;">并伪造张女士的身份证明、征信材料</span></span></p><p style="margin-bottom: 0px; text-align: center; line-height: 2em; margin-left: 8px; margin-right: 8px;"><span style="text-align: center; line-height: 2em; font-size: 18px; color: #292991; font-weight: bold;"><span style="letter-spacing: normal;">还安排他人代签“张女士”名字</span></span></p><p style="margin-bottom: 0px; text-align: center; line-height: 2em; margin-left: 8px; margin-right: 8px;"><span style="text-align: center; line-height: 2em; font-size: 18px; color: #292991; font-weight: bold;"><span style="letter-spacing: normal;">这样一份“夫妻双方签名”的合同</span></span></p><p style="margin-bottom: 0px; text-align: center; line-height: 2em; margin-left: 8px; margin-right: 8px;"><span style="text-align: center; line-height: 2em; font-size: 18px; color: #292991; font-weight: bold;"><span style="letter-spacing: normal;">在张女士完全不知情的情况下出炉</span></span></p><p style="margin-bottom: 0px; text-align: center; line-height: 2em; margin-left: 8px; margin-right: 8px;"><span style="font-size: 18px; color: #292991; font-weight: bold;"><span style="letter-spacing: normal;">……</span></span></p><section><strong><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></strong></section><section><section><section style="margin: 10px auto;"><section style="padding: 20px 12px; background-color: #f5f9ff; box-sizing: border-box;"><section style="text-align: justify; line-height: 2; letter-spacing: 0px; font-size: 18px; color: #333333; background-color: transparent;"><p><span style="font-size: 18px; color: #000000;"><span style="letter-spacing: normal; color: #000000;">“如果不是检察机关帮我洗清了莫须有的百万元债务，又给我发放了司法救助金，我都不知道怎么挺过这道难关……”不久前，上海市闵行区检察院检察官接到一起民间借贷纠纷监督案当事人张女士打来的电话。几个月前，张女士还因前夫虚构夫妻共同债务，莫名背上近百万元借款，因“老赖”的身份处处碰壁。如今，债务厘清、信用修复、救助金到账，张女士终于开启新的生活。</span></span></p></section></section><section style="display: flex; align-items: center;"><section style="width: 50%; height: 3px; background-color: #a7d7ff; box-sizing: border-box; max-width: 50% !important;"></section><section style="flex-shrink: 0; margin: 0 -2px;"><section style="width: 3px; height: 8px; background-color: #ffffff; box-sizing: border-box; transform: skew(26deg); -webkit-transform: skew(26deg); -moz-transform: skew(26deg); -o-transform: skew(26deg);"></section></section><section style="width: 50%; height: 3px; background-color: #6886d5; box-sizing: border-box; max-width: 50% !important;"></section></section></section></section></section><p><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></p><section style="text-align: center;"><img class="rich_pages wxw-img js_insertlocalimg" style="width: 677px !important; height: auto !important; visibility: visible !important;" src="https://pic.app.jiuquhe.com/20261030/17933273611372271458.jpeg" alt="图片" /></section><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"> </p><section><section><section style="margin: 10px auto; display: flex; justify-content: center;"><section><section style="display: flex; justify-content: flex-start; height: 0px;"></section><section style="background-color: #f5faff; border-radius: 0px 15px; padding: 9px 15px; box-sizing: border-box;"><section style="font-size: 20px; color: #ffffff; text-align: center; padding: 0px 10px; box-sizing: border-box;"><span style="color: #292991; font-size: 20px;"><strong><span style="letter-spacing: normal;">莫名背负巨债</span></strong></span></section></section><section style="display: flex; margin: 3px 0px 0px 10px; width: 86%; box-sizing: border-box; max-width: 86% !important; transform: translateX(10px); -webkit-transform: translateX(10px); -moz-transform: translateX(10px); -o-transform: translateX(10px);"><section style="width: 100%; height: 1px; border-bottom: 1px solid #292991; max-width: 100% !important; box-sizing: border-box;"></section><section style="flex-shrink: 0; margin: -1px -4px 0;"><section style="width: 24px; box-sizing: border-box; transform: scale(0.8); -webkit-transform: scale(0.8); -moz-transform: scale(0.8); -o-transform: scale(0.8);"></section></section><section style="width: 30%; height: 1px; border-bottom: 1px solid #292991; box-sizing: border-box; max-width: 30% !important;"></section></section></section></section></section></section><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"> </p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"><span style="font-size: 18px; letter-spacing: normal; color: #000000;">时间回到2022年，张女士与丈夫赵某长期分居，婚姻关系名存实亡。当年8月，赵某以资金周转为由，向陈某借款100万元，并以其名下的房屋设定抵押。</span></p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"> </p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"><span style="font-size: 18px; letter-spacing: normal; color: #292991; font-weight: bold;">为让这笔借款披上“夫妻共同债务”的外衣，赵某将张女士的身份信息提供给网上融资人员，后者“一条龙”伪造了身份证明、征信材料。</span><span style="font-size: 18px; letter-spacing: normal; color: #000000;">赵某还安排他人在《不动产抵押借款合同》等关键文件上代签“张女士”名字。就这样，一份“夫妻双方签名”的合同，在张女士完全不知情的情况下出炉。</span></p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"> </p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"><span style="font-size: 18px; letter-spacing: normal; color: #000000;">借款后赵某仅偿还了少量利息，便再未按约还款。2023年5月，陈某向法院提起诉讼，要求赵某与张女士共同偿还本金98万余元及利息、律师费。诉讼过程中，法院依照赵某提供的住址，“打包”送达诉讼文书，但张女士因与赵某分居，始终未能收到诉讼材料。同年底，法院判决赵某、张女士共同偿还借款本金98万余元及相应利息、律师费。次年，张女士与赵某协议离婚。</span></p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"> </p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"><span style="font-size: 18px; letter-spacing: normal; color: #000000;">判决生效后，案件进入强制执行程序。直到自己银行账户被冻结、存款被划扣、个人被列入失信名单和限制高消费，张女士才知道自己被卷入诉讼：</span><span style="font-size: 18px; letter-spacing: normal; color: #292991; font-weight: bold;">“我没有签过字，没有上过法庭，凭什么让我承担这笔债务？”张女士满腹委屈，抱着一线希望向检察机关申请监督。</span></p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"> </p><section><section><section style="margin: 10px auto; display: flex; justify-content: center;"><section><section style="display: flex; justify-content: flex-start; height: 0px;"></section><section style="background-color: #f5faff; border-radius: 0px 15px; padding: 9px 15px; box-sizing: border-box;"><p style="text-align: center; font-size: 20px; color: #ffffff; padding: 0px 10px; box-sizing: border-box;"><span style="color: #292991; font-size: 20px;"><strong><span style="letter-spacing: normal;">冒名签约</span></strong></span></p><p style="text-align: center; font-size: 20px; color: #ffffff; padding: 0px 10px; box-sizing: border-box;"><span style="color: #292991; font-size: 20px;"><strong><span style="letter-spacing: normal;">不构成夫妻共同债务</span></strong></span></p></section><section style="display: flex; margin: 3px 0px 0px 10px; width: 86%; box-sizing: border-box; max-width: 86% !important; transform: translateX(10px); -webkit-transform: translateX(10px); -moz-transform: translateX(10px); -o-transform: translateX(10px);"><section style="width: 100%; height: 1px; border-bottom: 1px solid #292991; max-width: 100% !important; box-sizing: border-box;"></section><section style="flex-shrink: 0; margin: -1px -4px 0;"><section style="width: 24px; box-sizing: border-box; transform: scale(0.8); -webkit-transform: scale(0.8); -moz-transform: scale(0.8); -o-transform: scale(0.8);"></section></section><section style="width: 30%; height: 1px; border-bottom: 1px solid #292991; box-sizing: border-box; max-width: 30% !important;"></section></section></section></section></section></section><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"> </p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"><span style="font-size: 18px; letter-spacing: normal; color: #000000;">检察官分析认为，本案核心焦点在于，借款是否适用民法典第一千零六十四条？该条确立“共债共签”规则：共同签名、事后追认，或一方为家庭日常生活需要所负债务，方为共债；超出日常需要且未用于共同生活、共同经营或无共同意思表示的，不属于共债。</span></p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"> </p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"><span style="font-size: 18px; letter-spacing: normal; color: #000000;">依托检法协作机制，检察机关第一时间与承办法官进行沟通。经调阅原审卷宗和不动产抵押登记材料，比对合同所附身份材料，</span><span style="font-size: 18px; letter-spacing: normal; color: #292991; font-weight: bold;">检察官发现合同上“张女士”身份证头像、有效期限等信息与张女士本人身份信息不一致。此外，检察官支持张女士委托鉴定机构进行笔迹鉴定，鉴定意见明确案涉合同中“张女士”签名并非本人书写。</span></p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"> </p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"><span style="font-size: 18px; letter-spacing: normal; color: #000000;">为了更好还原案件真相，检察官询问赵某、张女士及相关人员，调取银行流水，查明借款实际由赵某个人取得并使用，张女士从未签字、从未追认，也未从该笔借款中受益。</span></p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"> </p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"><span style="font-size: 18px; letter-spacing: normal; color: #000000;">“这是一起典型的冒名签约、虚构夫妻共同债务的民间借贷纠纷。张女士既无共同举债的意思表示，也未参与借款的实际使用，更没有从中受益。”检察官说。</span></p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"> </p><section><section><section style="margin: 10px auto; display: flex; justify-content: center;"><section><section style="display: flex; justify-content: flex-start; height: 0px;"></section><section style="background-color: #f5faff; border-radius: 0px 15px; padding: 9px 15px; box-sizing: border-box;"><p style="text-align: center; font-size: 20px; color: #ffffff; padding: 0px 10px; box-sizing: border-box;"><strong style="color: #292991; caret-color: red;"><span style="letter-spacing: normal;">从“被负债”到“被救助”</span></strong></p></section><section style="display: flex; margin: 3px 0px 0px 10px; width: 86%; box-sizing: border-box; max-width: 86% !important; transform: translateX(10px); -webkit-transform: translateX(10px); -moz-transform: translateX(10px); -o-transform: translateX(10px);"><section style="width: 100%; height: 1px; border-bottom: 1px solid #292991; max-width: 100% !important; box-sizing: border-box;"></section><section style="flex-shrink: 0; margin: -1px -4px 0;"><section style="width: 24px; box-sizing: border-box; transform: scale(0.8); -webkit-transform: scale(0.8); -moz-transform: scale(0.8); -o-transform: scale(0.8);"></section></section><section style="width: 30%; height: 1px; border-bottom: 1px solid #292991; box-sizing: border-box; max-width: 30% !important;"></section></section></section></section></section></section><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"> </p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"><span style="font-size: 18px; letter-spacing: normal; color: #000000;">查明事实之后，检察机关围绕民法典相关条款的核心要义，与法官一起向当事人释法说理。在此基础上，2025年6月，闵行区检察院向法院提出再审检察建议。</span></p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"> </p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"><span style="font-size: 18px; letter-spacing: normal; color: #000000;">法院随即启动再审程序。其间，检察官与法官继续开展矛盾纠纷化解工作。针对当事人态度变化，法院主动研判案情，制定针对性疏导策略，推动矛盾纠纷实质性化解。</span><span style="font-size: 18px; letter-spacing: normal; color: #000000; font-weight: normal;">今年1月，经法院主持调解，各方最终达成协议，确认案涉债务由赵某个人承担，赵某应向陈某偿还借款本金98万余元及相应利息、律师费等。</span></p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"> </p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"><span style="font-size: 18px; letter-spacing: normal; color: #000000;">与此同时，检察官跟进监督，推动法院解除对张女士的信用惩戒措施，处理已扣划款项的执行回转问题。考虑到张女士离异后独自持家，为维权支出律师费、笔迹鉴定费4万余元，且长期诉讼致信用受损、工作生活受困，闵行区检察院依职权启动国家司法救助程序，向张女士发放司法救助金，缓解其现实窘迫。</span></p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"> </p><p style="margin-left: 8px; margin-right: 8px; line-height: 2em;"><span style="font-size: 18px; letter-spacing: normal; color: #000000;">让张女士从“被负债”到“被看见”，从被列入“老赖”名单到获得司法救助金，闵行区检察院以再审检察建议撬动错误裁判，以执行监督跟进修复信用创伤，以司法救助托底民生困顿，将“纸面上的法”真正转化为“生活中的法”。正如承办检察官所言：“监督不是为了推翻一个判决，而是让每一个‘被签字’的人都有机会说出‘这不是我的债’。”</span></p><p style="line-height: 2em; margin-left: 8px; margin-right: 8px; margin-bottom: 0px;"> </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>检察日报·民生周刊</span></section><p style="display: none;"> </p> <!----></div> 长知识了 妇联这个栏目办得好
页:
[1]