Legal basis: The guarantor shall not bear civil liability under any of the following circumstances in Article 30 of the Guarantee Law of People's Republic of China (PRC): First, the parties to the main contract collude to deceive the guarantor to provide a guarantee; The creditor of the main contract uses fraud, threats and other means to make the guarantor provide a guarantee against his true meaning. According to the above provisions, the guarantor cannot be exempted unless the creditor of the main contract has malicious collusion or fraudulent coercion. However, in the phenomenon of joint guarantee, creditor financial institutions do not have the above subjective intention, and many joint guarantee enterprises also form a relationship of providing mutual guarantee when obtaining loans, but the loans cannot be recovered due to operational risks. Therefore, there is no such fault in the creditor's rights commercial bank, and the guarantee enterprise cannot be exempted from liability according to law. Secondly, even if the borrower has fraud, coercion and other means when borrowing money, it is only that the guarantor's reasons for issuing the guarantee are flawed and cannot constitute that the guarantee contract is invalid.