1. The nature of the transfer between spouses needs to be analyzed specifically: whether the transfer between spouses is considered a loan is not a generalization, but needs to be judged comprehensively based on the specific circumstances of the transfer, the true intentions of both parties, and subsequent behavior.
2. When there is a lending agreement, it is considered a loan: If there is a clear lending agreement between the two parties when transferring funds, that is, one party clearly states that it is lending to the other party, and the other party also accepts this borrowing behavior, then this transfer can be considered a loan.
3. Lack of loan agreement may not constitute a loan: If the transfer is only based on the joint life, business or other common purposes of the couple, and there is no clear indication of the loan intention, then this transfer may not be considered a loan, but rather the use or distribution of the couple's common property. Small daily transfers between spouses, such as purchasing daily necessities, are usually not considered loans.