Legal analysis: Yes, generally speaking, as a guarantor, banks will also check credit records, including whether there is a loan, whether there is a credit card default and so on.

Legal basis: Article 683 of the Civil Law of People's Republic of China (PRC), an organ as a legal person may not act as a guarantor, unless it is approved by the State Council to use loans from foreign governments or international economic organizations for lending.

A legal person not for profit or an unincorporated organization for public welfare may not act as a guarantor.