1. After individuals help to issue auxiliary loans, they need to bear joint and several liabilities. If the borrower is unable to repay the arrears or refuses to pay the loan amount, the person who helps to issue the loan needs to bear the full repayment responsibility. Moreover, the loan record will also be recorded in the credit report, which will affect the personal credit business in the future.

2. If this person's personal income is not so high, there is a guarantee record on the credit report. When going to the bank to apply for a loan, the bank is likely to choose to refuse the loan. If the borrower's income is acceptable, it meets the loan application conditions of the bank, but because of the guarantee record, the guarantor may also have to bear a higher loan interest rate.

3. If the borrower fails to repay the loan normally, it will lead to overdue records on the borrower's credit information. If there are overdue records on the credit information, it is a credit stain, which will affect the economic activities of Latin people in the future.