The bank loan emergency contact person does not need to bear legal responsibility. Because the emergency contact is not the guarantor, only the guarantor and the borrower have to bear the responsibility. The emergency contact person is the spare mobile phone number, which belongs to the person who contacts the loan and does not involve responsibility. According to the relevant laws and regulations, a surety contract is a contract in which the surety and the creditor agree that the surety will perform the debt or assume the responsibility when the debtor fails to perform the due debt or the circumstances agreed by the parties occur.

Legal basis: Article 700th of the Civil Code of People's Republic of China (PRC).

After assuming the suretyship liability, unless otherwise agreed by the parties, the surety shall have the right to recover from the debtor within the scope of its suretyship liability and enjoy the rights of the creditor to the debtor, but it shall not harm the interests of the creditor.

Article 668

A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

What are the terms of the loan?

1. The party concerned is a person with full capacity for civil conduct;

2. The purpose of the loan is clear and legal;

3. The loan requirements are reasonable;

4. Have the willingness and ability to repay;

5. The credit status is good, and there is no major bad credit record.