Legal analysis: the responsibility of the loan guarantor of rural credit cooperatives: As the guarantor of general guarantee responsibility, he shall bear the general guarantee responsibility, that is, he may refuse to bear the guarantee responsibility to the creditor before the debtor's property can not be fulfilled after compulsory execution by the court. As a guarantor of joint and several liability, the creditor shall bear joint and several liability, that is, once the debtor fails to repay the debt, the creditor has the right to assume the debt by the guarantor. Precautions for loan guarantor: It is best to specify in the guarantee contract that the guarantor will perform the guarantee responsibility only if the creditor can't recover the loan through litigation. This will protect the rights of the guarantor to the maximum extent.

legal basis: article 681 of the civil code of the people's Republic of China

? A guarantee contract is a contract in which the guarantor and the creditor agree that the guarantor will perform the debt or bear the responsibility when the debtor fails to perform the due debt or the circumstances agreed by the parties occur.

article 686? The ways of guarantee include general guarantee and joint liability guarantee.

if the parties have no agreement or unclear agreement on the mode of guarantee in the guarantee contract, they shall bear the guarantee liability according to the general guarantee.