Legal analysis: the joint debt of husband and wife refers to the debt incurred to meet the needs of husband and wife's common life. The joint debt of husband and wife is mainly based on the needs of husband and wife's common life, as well as the debt arising from the management, use, income and disposal of common property. One of the spouses shall bear all or part of the debts according to the requirements of the creditors. When one party's property is insufficient to pay off, the other party shall bear the responsibility for paying off.

Legal basis: Article 1060 of the Civil Law of People's Republic of China (PRC) (hereinafter referred to as "Civil Law"). Civil legal acts carried out by one spouse for the needs of family daily life are valid for both spouses, unless otherwise agreed by one spouse and the other.

The restriction between husband and wife on the scope of civil legal acts that one party can implement shall not be against the bona fide counterpart.