Legal analysis: as the case may be. Lending money to a third party, called entrusted payment in operating loans, is a way to explain the purpose of loans. The third party does not need to bear legal responsibility, but if a guarantee contract is signed, the third party needs to bear legal responsibility.

Legal basis: Article 697 of the Civil Code of People's Republic of China (PRC) stipulates that the debtor may transfer all or part of the debts without the written consent of the guarantor, and the guarantor will no longer be liable for the debts transferred without his consent, unless otherwise agreed by the creditor and the guarantor.

Where a third party joins the debt, the surety's suretyship liability shall not be affected.