Legal analysis: the loan emergency contact person does not bear the responsibility, and the guarantor bears the responsibility. The loan emergency contact person is also different from the loan guarantor and does not need to bear the guarantee responsibility of repayment. The loan guarantor refers to the behavior that the guarantor and the creditor agree that when the debtor fails to perform the debt, the guarantor will perform the debt or assume the responsibility according to the agreement. The guarantee contract requires the guarantor to voluntarily conclude a written form with the creditor. The emergency contact person is the spare mobile phone number, which belongs to the person who contacts the loan and does not involve responsibility. If you are not a guarantor, you only need to contact the lender and fulfill your responsibilities, but you have no obligation to help the borrower repay.

Legal basis: Article 688 of the Civil Code of People's Republic of China (PRC). If the parties agree in the guarantee contract that the guarantor and the debtor shall be jointly and severally liable for the debt, it is a joint liability guarantee. When the debtor of joint and several liability guarantee fails to perform the due debt or the circumstances agreed by the parties occur, the creditor may require the debtor to perform the debt, or may require the guarantor to assume the guarantee liability within the scope of its guarantee.