[案情]2012年11月16日,被告刘强向原告某银行贷款50000元,约定年利率为15.3%并利息结至2013年6月17日,贷款期限为12个月,由被告何阳、黄玲进行担保。借款到期后经原告某银行多次催要,借款人一直未能偿还借款。现原告诉至法院,要求被告刘强偿还贷款本金50000元及利息、罚息并告刘强妻子成莹,要求何阳、黄玲对上述夫妻共同债务承担连带清偿责任。在审理过程中,被告成莹,以“合同上就他一个人签字、妻子未签字、为什么成为共同被告”等理由,拒绝承担 [Case] ​​On November 16, 2012, Liu Qiang, a defendant, provided a loan of 50,000 yuan to a bank of a plaintiff and agreed an interest rate of 15.3% per annum and interest until June 17, 2013. The loan period is 12 months. The defendant He Yang, Huang Ling guarantee. After the loan expired several times by a bank plaintiff, the borrower has been unable to repay the loan. Now the plaintiff told the court that Liu Qiang, the defendant, should repay the loan loan principal of 50,000 yuan and the interest and penalty interest and told Liu Qiang’s wife Cheng Ying to ask He Yang and Huang Ling to jointly and severally discharge the liability for the joint debts of the couple. During the trial, the defendant Cheng Ying refused to take the reasons such as “signing his contract on his own, not signing his wife and why he became a co-defendant”