The money owed by the ex-husband to the bank after the divorce is generally not paid back by the ex-wife, but if it is owed before the divorce and belongs to the joint debt of husband and wife, it will be paid back by the ex-wife, because the joint debt of husband and wife is shared by both husband and wife.

legal ground

Article 1064 of the Civil Code of People's Republic of China (PRC) (hereinafter referred to as "Civil Code") states that joint debts of husband and wife: debts jointly signed by husband and wife or ratified by one of them afterwards, and debts incurred by one of them in his own name for the daily needs of the family during the marriage relationship belong to joint debts of husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the daily needs of the family are not joint debts of husband and wife; However, the creditor can prove that the debt is used for husband and wife's common life, joint production and operation, or based on the common will of both husband and wife.