Legal analysis: the emergency contact person is the spare mobile phone number to contact the lender, which does not involve responsibility. The loan emergency contact person only chooses when the borrower cannot be contacted, and does not need to bear the corresponding legal responsibility, and has no obligation to help the borrower repay the loan. The effectiveness of the guarantee responsibility is not based on whether the guarantee conditions are clear or not.

Legal basis: Article 699 of the Civil Code of People's Republic of China (PRC). If there are more than two guarantors for the same debt, the guarantors shall bear the guarantee liability according to the guarantee share agreed in the guarantee contract; If there is no agreement on the share of guarantee, the creditor may require any guarantor to bear the guarantee responsibility within the scope of its guarantee.