Since the promulgation of the Civil Code, scholars have gained new insights into the issue of the repayment of joint debts of married couples. The progress in research has clarified and refined the “joint signature for joint debts” issue. However, the deficiency lies in the absence of a clear and standardized rule for the repayment of joint debts of married couples. Under such circumstances, the practical judicial work is difficult to carry out, and the application of rules in similar cases is chaotic, leading to inconsistent final judgments. The root cause is the difference in the choice of interests and values. Therefore, it is necessary to formulate a more scientific and complete rule for the repayment of joint debts of married couples to ensure the balance between the interests of both spouses and those of creditors. The judicial practice can also have a clear and unified standard for reference, demonstrating the principles of judicial justice and fairness. The Civil Code is the main reference for the types of joint debts of married couples. Based on the relevant provisions in the Civil Code, the nature of the debt is understood. “Debts for common interests” are classified as joint debts; “debts based on common intention” are classified as joint and several debts. Based on this, the rule for the repayment of joint debts of married couples should be formulated. At present, in the domestic judicial practice, joint debts of married couples are classified as joint and several debts, and the understanding of such debts varies among courts in different regions. For the rule of the repayment of joint debts of married couples, it is necessary to clarify its nature first, and then gradually determine the scope of the responsible property and the order of repayment for this type of debt.