Banks can only ask borrowers to change the weak guarantee method into a more compensatory guarantee method. The borrower and the bank need to negotiate, and the approval of the bank's examination and approval department can be realized.

Debt transfer, also called "debt commitment". Refers to the transfer of debts between different entities. The transfer of debt should be agreed not only by the original debtor and the new debtor, but also by the original creditor. Because the change of the debtor is of great significance to the creditors, the credibility and performance ability of the new debtor are directly related to whether the creditor's rights can be realized. If the creditor does not agree, the transfer of the debt cannot take effect. Creditors must have legitimate reasons for not agreeing to the transfer of creditor's rights, otherwise they cannot refuse the transfer of creditor's rights at will. After the debt is transferred, the subordinate rights will not be transferred.