“家庭日常生活需要”型夫妻共债的认定

Identification of Joint Debt between Couples in the Type of “Family Daily Life Needs”

摘要: “家庭日常生活需要”型夫妻共债的范围应从“金额”和“需要”两个方面来认定。夫妻一方仅有权在符合家庭收入和消费水平的日常家事中代理配偶进行法律行为。当涉及借贷合同时，债权人还需有证据证明该笔借贷资金确实用于家庭日常生活，并达到高度盖然性的证明标准。若夫妻分居，需按分居事由和消费事项进行分类处理。同时，鉴于日常家事代理权的规范事由在于保护配偶的利益和维护婚姻家庭的团结，日常家事代理与表见代理制度不能混用。

Abstract: The scope of joint debt between spouses based on the needs of daily family life should be determined from two aspects: amount and needs. One spouse only has the right to act on behalf of their spouse in daily household affairs that meet the family’s income and consumption level. When it comes to loan contracts, creditors also need to show evidence to prove that the loan funds are indeed used for daily family life and meet a highly probable standard of proof. If the couple is separated, the identification needs to be classified according to the reasons for separation and consumption matters. Meanwhile, considering that the normative basis for the daily household agency lies in protecting the unity of marriage and family, the system of daily household agency and apparent agency cannot be mixed.