I don't know that the repayment responsibility of public officials' guaranteed loans is personal, and the unit will not directly know the repayment situation of borrowers. The repayment situation is usually recorded in the personal credit report by the contractual relationship between the borrower and the lending institution, and the unit will not directly involve or know the details of the personal loan, unless the borrower chooses to share the relevant information with the unit * * *, and the public official fails to pay the repayment on time and leads to overdue or default, which may have a negative impact on the personal credit record. Credit records have an important impact on personal credit evaluation and future lending ability. Lending institutions or financial institutions can learn about personal repayment through credit reporting and recovery.