1. Being the certifier has basically no impact: In the loan guarantee method, the person who guarantees the friend's loan is called the "guarantor" or "guarantor". He must sign a loan guarantee contract or a loan guarantee contract to guarantee the friend's loan. If the friend can repay the loan on time, the guarantor will be responsible for the repayment if the friend cannot repay the loan on time. The certifier is mainly used in private loans. For example, Zhang San asks Li Si for a loan, and Wang Wu serves as the certifier. Wang Wu only witnessed the loan and is responsible for his own testimony. If the testimony is false, he must bear legal responsibility. , and has no other responsibilities beyond this.

2. The impact of being a guarantor or guarantor: It affects credit reporting and friend loans. If I am asked to be a guarantor or guarantor, a query record of "Guarantee Qualification Review" will be left on my credit report. And after the loan is successful, my credit report will have relevant repayment responsibility records such as "who is the guarantee and the amount of the guarantee". If my friend fails to repay on time, my credit report will also show the overdue repayment status. This affects credit reporting.