After the contract was signed, the bank fulfilled its obligation to issue loans as agreed in the contract, and the defendant Mr. Zhang should fulfill his repayment obligation as agreed in the contract. The bank requires the defendant's guarantee company to bear joint and several liability for repayment. The lawsuit conforms to the relevant guarantee clauses in the loan contract and the court supports it. Accordingly, the court ruled that Mr. Zhang paid the bank arrears and interest, and the guarantee company was jointly and severally liable for repayment.