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签字认可配偶借款 要承担还款责任吗？_我的网站

A |     AI摘要      闽侯法院审结一起金融借款纠纷，认定配偶在借款及抵押文件上签字并同意以共同财产担保，可推定具备共同借款合意，构成夫妻共同债务，需承担共同还款责任。

B |     The USS Carney, a U.S. Navy guided-missile destroyer in the northern Red Sea, on Thursday shot down multiple missiles and drones launched by Iranian-backed Houthis in Yemen that the Pentagon said were potentially headed toward targets in Israel.It is the first time in recent memory that a U.S. Navy ship in the Middle East has engaged missiles and drones that were not directly aimed at the vessel.It's also the first U.S. military action taken to defend Israel in the current crisis and with the U.S. and other countries trying to contain the conflict between Israel and Hamas, the possibility that an Iranian-backed proxy group fired missiles and drones at Israel is sure to increase growing regional tensions.The ship was in the northern Red Sea on Thursday evening local time when it intercepted three land attack cruise missiles and several drones, Pentagon spokesman Brig. Gen. Pat Ryder said at a press briefing. U.S. officials told ABC News that the Carney had brought down eight drones launched by the Houthis.The preliminary U.S. assessment was that the USS Carney was not the target of any of the Houthi missiles or drones, according to multiple U.S. officials."We cannot say for certain what these missiles and drones were targeting but they were launched from Yemen heading north along the Red Sea potentially to targets in Israel," said Ryder who added that information about the engagements was still being processed.It’s unclear from where the Houthi militia's missiles were fired but they were headed in a northerly direction, an official said.The Houthis are an Iranian-backed Shiite movement that has seized control over much of northern Yemen and has been at war with recent years while Yemen has been at war with a Saudi-led coalition since 2015.As part of that conflict, the Houthis have launched missiles and drones deep into Saudi Arabia, but it appears that the missiles intercepted on Thursday were not aimed at targets inside Saudi Arabia.Last week, Houthi leader Abdel-Malek al-Houthi was quoted as saying that if the U.S. directly intervened in the Gaza conflict his group would respond by firing drones and missiles, and take other military options."There are red lines when it comes to Gaza," he said.Thursday's incident occurred during the early evening hours (local time) when the missiles and drones were detected moving northward above the waters of the Red Sea.The missiles fired by the Houthis were engaged by SM2 missiles carried aboard the USS Carney, a U.S. official told ABC News. No information was released about what weapons platform aboard the Carney brought down the 8 drones.Brig. Gen. Ryder told reporters that the intercepts had taken place over water and not land. No sailors aboard the ship were harmed according to a U.S. official.The United States has boosted its military presence in the region since the start of the Israel-Hamas war nearly two weeks ago.The USS Carney is part of the USS Gerald R. Ford carrier strike group that was deployed to the eastern Mediterranean to deter Iran and Hezbollah from joining the Israel-Hamas war. Defense Secretary Lloyd Austin recently extended the deployment of the Ford strike group so it can remain in the eastern Mediterranean and had ordered the deployment of additional fighter aircraft to U.S. airbases in the region.To increase U.S. deterrence of an expansion in the conflict the Ford will soon be joined in the eastern Mediterranean by the USS Dwight D. Eisenhower carrier strike group that left Norfolk, Virginia on Saturday and could arrive in the region over the next 7 to 10 days."By posturing these U.S. naval assets and advanced fighter aircraft in the region, we aim to send a strong message intended to deter a wider conflict to bolster regional stability and of course to make it clear that we will protect and defend our national security interests," Ryder told reporters Thursday.The USS Carney had just transited into the Red Sea through the Suez Canal on Wednesday which is why the destroyer was still located in the northern stretch of that body of water that borders, Egypt, Egypt's Sinai Peninsula, Sudan, Saudi Arabia, and Yemen.The missile shot down by the USS Carney will bolster the deterrence in the region and demonstrate that the show of force is serious stuff, a senior U.S. official told ABC News.The risk to U.S. forces and U.S. interests in the region has increased particularly in the wake of a deadly explosion at a hospital in Gaza earlier this week that inflamed regional tensions.On Wednesday, three drones were shot down by U.S. military forces as they neared bases in western and northern Iraq, another drone was shot down near U.S. forces in eastern Syria on Thursday.A U.S. contractor sheltering in place at one of the bases in Iraq died of a cardiac arrest in one of the incidents.Al Asad airbase in western Iraq experienced indirect fire on Thursday according to a U.S. official.The Carney's shootdown of Houthi missiles opens up the possibility that the U.S. Navy may have to position more ships in the Red Sea if the U.S. commits to protecting Israel from a southern attack said Steve Ganyard, an ABC News contributor and a former Pentagon official."The larger concern is if Iran now considers U.S. ships fair game," said Ganyard. "Because if the Houthis shoot at a U.S. ship there will be little doubt that it would have been at Tehran’s direction.""That said, there is nothing to suggest, no known reason to believe that Iran wants a fight with the U.S. and/or Israel," said Ganyard. "So, hopefully things calm down."ABC News' Martha Raddatz contributed to this report.。         近日，闽侯法院审结了一起金融借款合同纠纷案，明确配偶在借款、抵押相关文件中签字认可债务、同意以夫妻共同财产担保的行为，可推定具备共同借款合意，依法构成夫妻共同债务。

C |     2019年6月，阿强（化名）向银行申请贷款，妻子小丽（化名）在借款申请表配偶声明栏填写信息并签字。

D | 次年7月，阿强与银行签订授信、抵押合同，以自有房产办理贷款抵押，小丽再次在抵押合同配偶栏签字，确认知晓合同约定、同意以夫妻共同财产承担担保责任。后续银行依约放款，2022年双方补充签订授信使用合同细化借款细则。贷款到期后，阿强未按期履约还款，银行催收无果，将夫妻二人诉至法院，要求他们共同偿还本息。    法院经审理后认为，案涉借贷、抵押合同合法有效，阿强逾期还款已构成违约，理应承担还款责任。同时，小丽作为配偶，先后在借款申请表、抵押合同中签字，明确知晓借款事宜且自愿以夫妻共同财产为债务担保，该行为属于对案涉借款的事后追认，足以推定其具备共同借款合意。因此，案涉债务属于夫妻共同债务，小丽需承担共同还款责任。    案例点睛     民法典第1064条规定了较为典型的3种夫妻共同债务情形，即基于夫妻合意所负债务、债务用于家庭日常生活或用于共同生产经营、债权人能够证明系夫妻共同债务。其中基于夫妻双方合意所负债务，即“共债共签”或是事后追认，均体现了意思自治原则。

E | 除了夫妻一方作为共同借款人签字，明确表示对另一方的债务承担共同偿还责任外，若夫妻一方没有作为共同借款人签字，但能推定有共同偿还借款的合意，也应认定为夫妻共同债务。（记者 林春长 通讯员 吴丹铃）。

F |

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