Legal analysis: If you reach a loan contract with the bank in your own name, then you are the borrower and you have to bear the repayment obligation. If others can't repay the due loan, the personal bank credit will be reduced first, and then the loan will not work. In addition, he will be sued by the bank and will use other property to pay off debts. No one else will pay the debt. When signing a loan guarantee contract, the guarantor shall bear general liability and joint liability. When the borrower fails to repay the loan on time, the contract becomes effective, and the guarantor must follow the repayment procedures agreed with the bank, which is to bear legal responsibility.

Legal basis: Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, when a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.