“老赖”借600万后被净身出户

风刀霜剑

　　最近，网上关于婚姻法司法解释第二十四条的争议很多，不少人担心婚姻里的“被背债”风险，他们提出根据这个法律条文的规定，很可能面临“夫债妻还”的困境。其实，这种担忧不无道理。2月23日，江苏省人民检察院披露了刚办完的一起抗诉案，从中可以看出“二十四条”在司法实务中的现状。
　　通讯员 郑文海 扬子晚报全媒体记者 于英杰
　　案情
　　回放
　　老公借的600万是个人债务还是共同债务
　　最近，网上有篇名为《婚姻有风险，领证需谨慎》的文章引起广泛关注，作者讲述了自己离婚后因为“二十四条”而被判决“负债”百万的经历。其实，前些日子，江苏就发生了一起与之完全相反的事涉“二十四条”的债务纠纷案，常州一对夫妻为了逃避债务办理离婚，当初出面借钱的男子净身出户，最后还是由江苏省人民检察院出面抗诉，江苏省高级人民法院改判，才帮债主撑了腰。
　　该案是这样的。朱玉新和王玉梅原本是常州的一对夫妻，2013年9月办理了离婚手续。就在两人离婚前的一个月，两人被张英华告上了法庭。
　　张英华和他俩是认识多年的老熟人。张英华诉称，2012年，朱玉新借了她600多万，一直没有归还，请求法院判令朱玉新、王玉梅共同偿还欠款。对这笔借款，朱玉新完全认账。不过他认为，虽然钱是在离婚之前借的，但是这笔钱他转手就借给了别人，并没有用于夫妻共同生活。并且，他和王玉梅婚后经济独立，并且实际分居两年。因此，借款属于自己个人债务，与王玉梅无关，应由自己一个人偿还。
　　作为前期的王玉梅则答辩称，这600万是朱玉新的个人债务，该借款朱玉新外借他人，并未实际用于家庭共同生活。于情于理，自己都不应该为朱玉新还钱。
　　在法院审理过程中，朱玉新和王玉梅均提出，张英华应该知道这笔借款是朱玉新的个人债务，也知道他俩实际上分居的情况。最终，一审法院判决，朱玉新一人归还张英华借款本金和利息。
　　这样一来，张英华不乐意了。她晓得，朱、王离婚时协议，家里财产都归王玉梅所有，朱玉新是净身出户。也就是说，法院判了张英华赢，可她却拿不到一分钱。
　　张英华不服，提起上诉。常州市中级人民法院判决驳回张英华上诉，维持原判。对此，张英华依旧不服，向江苏省高级人民法院申请再审，但被裁定驳回再审申请。
　　走投无路之下，张英华来到常州市人民检察院为民服务中心，求助于检察机关对案件进行检察监督。
　　结果
　　反转
　　江苏省检察院抗诉，江苏省高院再审改判
　　经过审查之后，常州市人民检察院将该案件提请江苏省人民检察院抗诉。
　　经过初步审查，检察官认为，案件的争议焦点为，案涉的600万元是朱玉新个人债务还是朱玉新和王玉梅的共同债务?
　　法律规定，婚姻存续期间的债务，一般由夫妻双方共同承担，两种情况除外：其一，夫妻一方能够证明债权人与债务人明确约定为个人债务;其二，夫妻对婚姻关系存续期间所得的财产约定归各自所有的，第三人知道该约定的。那么，本案中朱玉新出面借的这600万元属于上述的两种例外情形吗?
　　法院审理查明，朱玉新从张英华那儿借来的钱确实马上转手借给了他人，但是他并不能提供证据证明，这是个人债务，且为张英华知晓。另外有证据表明，离婚后，王玉梅一直与朱玉新共同使用朱名下的一家公司账户进行经营活动。
　　在申请检察监督阶段，张英华又提供了新的证据， 2013年年底，在朱玉新和王玉梅离婚之后，两人还以夫妻名义向别人讨过债。
　　张英华还提供了一段视频，内容显示2015年夏季的一天，张英华到王玉梅居所要账，结果来开门的却是朱玉新，满脸都是洗面奶的泡沫……
　　江苏省人民检察院经审查后认为，二审判决认定朱玉新向张英华所借600万元为个人债务缺乏证据证明，适用法律错误，并有新的证据足以推翻原判决，将该案向江苏省高级人民法院提出抗诉。
　　2016年底，江苏省高级人民法院就该案作出再审判决，完全支持江苏省人民检察院的抗诉意见，撤销原一、二审判决，判决朱玉新、王玉梅共同归还尚欠张英华借款本息共计人民币312万余元。一、二审案件受理费用亦由朱、王二人共同承担。(文中人物为化名)
　　一起来看看相关法规
　　婚姻法司法解释第二十四条规定：
　　债权人就婚姻关系存续期间夫妻一方以个人名义所负债务主张权利的，应当按夫妻共同债务处理。
　　但夫妻一方能够证明债权人与债务人明确约定为个人债务，或者能够证明属于婚姻法第十九条第三款规定情形的除外。
　　《婚姻法》第十九条第三款规定：
　　夫妻对婚姻关系存续期间所得的财产约定归各自所有的，夫或妻一方对外所负的债务，第三人知道该约定的，以夫或妻一方所有的财产清偿。
　　检察官说法
　　常有夫妻“假离婚”逃避债务
　　婚姻法司法解释第二十四条规定，债权人就婚姻关系存续期间夫妻一方以个人名义所负债务主张权利的，应当按夫妻共同债务处理。但夫妻一方能够证明债权人与债务人明确约定为个人债务，或者能够证明属于婚姻法第十九条第三款规定情形的除外。
　　而《婚姻法》第十九条第三款规定：“夫妻对婚姻关系存续期间所得的财产约定归各自所有的，夫或妻一方对外所负的债务，第三人知道该约定的，以夫或妻一方所有的财产清偿。”
　　关于“二十四条”一直争议不断
　　据了解，社会上关于“二十四条”的争议并不是新事儿。自2004年4月1日《关于适用<中华人民共和国婚姻法>若干问题的解释(二)>》实施以来，关于该条的争议从未间断。网络上甚至出现了“反24条联盟”的群体，绝大部分为女性，共同点是认为自己基于婚姻关系“被负债”。
　　2016年“两会”期间，全国人大代表、湖南省司法厅副厅长傅莉娟，第三次就婚姻法司法解释(二)第24条提交了修改建议。5月，福建人兰瑾在新浪微博上发文《结婚有风险，领证需谨慎》，讲述自己结婚一年多，孩子刚满6个月的她成为了单亲妈妈，前夫给她留下一百多万的债务。文章获得了600多万次的点击量，“反24条”的声音不断壮大。
　　依据司法解释的上述规定，婚姻关系存续期间一方以个人名义所负债务的，应当以夫妻共同债务处理为原则。除非夫妻一方能够证明所涉债务明确约定为个人债务，或者第三人知道夫妻约定婚姻存续期间所得的财产归各自所有，那么一方对外所负债务，以一方所有的财产清偿。
　　检察官详解出台“二十四条”背景
　　办案检察官告诉记者，现实生活中，常有夫妻合谋通过“假离婚”的办法来逃避债务，损害债权人合法利益的情形。最高法“24条”的出台正是在这种背景之下，规定婚姻关系持续期间的债务以共同债务为原则，通过将举证责任分配于举债的夫、妻一方，打击通过假离婚逃避债务，从而达到保护债权人合法利益的最终目的。
　　省人民检察院办理的张英华与朱玉新、王玉梅民间借贷纠纷申请检察监督一案，正是“二十四条”规定的情形。朱玉新、王玉梅在原审中提供的证据，不能证明借贷双方曾就案件所涉的600万元借款约定为朱玉新的个人债务。同时，朱玉新、王玉梅亦未能举证证明，出借人张英华知道朱玉新夫妻有关于对外债务约定。与此同时，检察机关通过调查查明，有新的证据证明朱玉新、王玉梅二人在“分居”之后仍然共用一个公司账户开展业务，有王玉梅为朱玉新讨要过欠款，朱玉新也替王玉梅送过承兑汇票给客户等共同经营行为存在。
　　江苏省人民检察院将该案向江苏省高级人民法院提出抗诉后，案件最终得以改判，根本的原因就在于抓住了婚姻关系存续期间，以个人名义所负债务，应当以夫妻共同债务处理为原则这个牛鼻子。这也是“二十四条”规定的立法原意。
　　最高院公开答复
　　条件成熟时将制定
　　新的司法解释
　　尽管现实生活中对于“二十四条”存有种种质疑和否定的声音，甚至在微信、QQ群中有专门反对“24条”的同盟。不可否认，“二十四条”从目前看来有非常浓厚的时代烙印与局限。但身为司法者，首要的职业本分是，严格遵守法律的规定，不得做任意的曲解与违背。
　　面对社会上的质疑，早在2016年3月，最高人民法院对于“24条”质疑给予公开答复，其中明确，夫妻一方举债在现实生活当中非常复杂。实践当中，不仅存在夫妻一方在婚姻关系存续期间举债给其配偶造成损害的情况，也存在夫妻合谋，以离婚为手段，将共同财产分配给一方，将债务分给另一方，借以达到逃避债务，损害债权人利益目的的情形。最高人民法院将积极配合全国人大和有关部门做好相关问题的立法调研，待条件成熟时，将就夫妻共同债务问题制定新的司法解释，为更好地保护婚姻案件中各方当事人的合法权益提供依据。
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