Out of Women's Plight in Presumption Rules of the Marital Joint Debt

何丽新,厦门大学法学院教授、博士生导师，主要研究方向为婚姻法、保险法、民商法。【中文摘要】《婚姻法司法解释二》第24条确立夫妻共同债务推定规则，将在婚姻关系存续期间夫妻一方在外单独的举债原则上推定为夫妻共同债务加以处理，非举债的另一方承担连带清偿责任。受“男主外女主内”影响，女性往往没有参与对外举债等交易行为，却被推上被告席共同偿还巨额债务，即使“卸下婚姻”，但仍“背上债务”，严重侵害女性的财产权益。因此，应重构夫妻共同债务认定规则，界定日常家事代理权范围，合理配置夫妻债务举证责任，规范夫妻债务类型化，强化债权人借贷交易注意义务，建立大额举债夫妻共同签字制度，衡平在债权人、婚姻共同体、夫妻个体三者之间的利益。 【Abstract】Article 24 of Interpretation of the Application of the Marriage Law establishes the marital joint debt presumption rules. The personal debt of the husband or wife during the existence of the marriage shall be treated as joint debt of them in principle,and the non-borrowing party shall bear several and joint liabilities. Influenced by the traditional concept of“Men's work centers around outside, women's work centers around the home”，women tend not to participate in borrowing and other transactions, however,they are brought to the dock to pay off the huge debt jointly. Even if the marriage is broken ,they will be still forced to assume the debt , which infringes on the property rights of women seriously. Therefore, we should reconstitute the presumption rules of marital joint debt, define the scope of the right of daily family agent, allocate the marital debt burden rationally, standardize the typing for marital debt, strengthen the duty of care when creditors are engaged in debt and credit, establish jointly signed system referring to massive debt, and balance the interests of the tripartite — the creditor, communit y of marriage and a couple of individual