Legal analysis: There should not be. Because the income certificate issued by the company only proves the employee's income, it is only used as a proof for the lender to convince the lender that the lender has the ability to repay the loan. This is just a proof, and it should not be responsible for the company's guarantee, because the company has not issued a guarantee certificate, but only the employee's financial proof.

legal basis: article 667 of the civil code of the people's Republic of China

a loan contract is a contract in which the borrower borrows money from the lender, returns the loan at maturity and pays interest.

article 669 when concluding a loan contract, the borrower shall provide the true information about the business activities and financial status related to the loan as required by the lender.