1. The emergency contact person is the backup mobile phone number to contact the lender, and it does not involve responsibility. The loan emergency contact person is only selected when the borrower cannot be contacted, and does not need to bear corresponding legal responsibilities.

And there is no obligation to help the borrower repay.

2. As an emergency contact, it is best to remind the borrower to repay the loan on time. If the borrower is really unable to repay the loan or can't contact himself, don't pay attention to the loan company.

You can set up a telephone interception for the dunning phone, knowing that you have no obligation to help him pay his debts.

Second, the responsibility of the loan emergency contact person

The responsibilities of the loan emergency contact person are as follows:

1. The emergency contact is a contact loan and does not involve responsibility;

2. Legal liability, but the guarantor shall bear legal liability. The loan emergency contact person is also different from the loan guarantor and does not need to bear the guarantee responsibility of repayment. The guarantee period is the period during which the guarantor is determined to undertake the guarantee responsibility, and there is no suspension or termination.

Legal basis: Article 67 1 of the Civil Code of People's Republic of China (PRC).

The Lender fails to provide the loan to compensate for the losses according to the agreed date and amount.

If the borrower fails to collect the loan on the agreed date and amount, it shall, on the agreed date,

Article 672

The lender is in accordance with the agreement. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.

Article 673

If the borrower fails to repay the loan within the time limit, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Unintentional success

1. Don't panic when you become an emergency contact. Usually the lending institution will call the emergency contact to pay back the money, and then you can tell them that you don't know the so-called borrower;

2. If the lending institution repeatedly harasses or even sends threatening letters. In this case, you should protect yourself with legal weapons. First, record phone conversations and threatening letters.

3. Is the emergency contact person responsible for bank loans?

I'll call you when I can't reach you. That's what the bank said when I vouched for others.

4. Does the emergency contact person for bank loan have any responsibilities?

The emergency contact person is the spare mobile phone number, which belongs to the person who contacts the loan and does not involve responsibility. The emergency contact person of the loan is not liable, but the guarantor is liable. The loan emergency contact person is also different from the loan guarantor and does not need to bear the guarantee responsibility of repayment. Legal basis: Article 34 of the Law of People's Republic of China (PRC) Commercial Bank, commercial banks conduct loan business according to the needs of national economic and social development and under the guidance of national industrial policies. Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval. Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided. Article 37 A commercial bank shall sign a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.