The bank that issues the loan has the obligation to examine its guarantor, including the guarantor’s qualifications and guarantee ability. If the bank issues the loan, the bank must also fulfill its supervisory obligations to the guarantor. Guarantees are divided into general guarantees and joint liability guarantees. The law stipulates that joint liability guarantees can be executed first by the guarantor or the borrower first, or by the borrower and the guarantor at the same time, depending on the litigant's requirements. If the guarantor is unable to repay the debt, the bank can apply to execute the borrower. If the borrower is unable to repay, the bank can apply for write-off, but the write-off case will be kept. Once the borrower and guarantor have the ability to repay, if the bank does not give up the lawsuit, the bank can apply Continue execution until losses are recovered.