The bank will check the guarantor's creditworthiness. For banks, credit checks on guarantors are as stringent as on loan applicants. Bank loans usually have a guarantor. The role of the guarantor is that when the borrower is unable to repay the loan, the bank can ask the guarantor to recover the debt. Therefore, for banks, the credit investigation of the guarantor is a serious problem, which is actually equivalent to the loan being unsecured. Therefore, the bank will strictly examine the qualifications of the guarantor and require the guarantor to provide a credit report from the central bank. This basic procedure is included in any bank's credit approval process.