Legal analysis: If the actual borrower who borrows money for others is unable to repay, or his whereabouts are unknown and he is not prepared to repay, the creditor may require the borrower to bear the repayment responsibility within the scope of his loan. After assuming the guarantee responsibility, the borrower has the right to recover from the actual borrower.

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

Article 509 The parties shall fully perform their obligations as agreed.

The parties shall abide by the principle of good faith and fulfill the obligations of notification, assistance and confidentiality according to the nature, purpose and trading habits of the contract.

During the performance of the contract, the parties concerned should avoid wasting resources, polluting the environment and destroying the ecology.

Article 514 Unless otherwise provided by law or agreed by the parties, the creditor may request the debtor to perform the debt in the legal tender of the actual place of performance.

Article 524 Where the debtor fails to perform the debt and a third party has a legitimate interest in performing the debt, the third party has the right to perform it on behalf of the creditor; However, unless it can only be performed by the debtor according to the nature of the debt, the agreement of the parties or the law.

After the creditor accepts the performance of the third party, its creditor's right to the debtor is transferred to the third party, unless otherwise agreed between the debtor and the third party.