Legal analysis: If a loan contract is reached with the bank in your name, then you are the borrower and have to bear the repayment obligation. If your friend can't repay the loan due, first of all, your bank credit will be reduced, and you can't borrow money in the future. In addition, you will be sued by the bank and will use your other property to pay off your debts. Not your friend to pay the debt.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 70 1? The guarantor may claim the debtor's defense against the creditor. If the debtor waives the defense, the guarantor still has the right to claim defense from the creditor.

Article 702? If the debtor enjoys the right of set-off or cancellation to the creditor, the guarantor may refuse to undertake the guarantee responsibility within the corresponding scope.