The emergency contact person of bank loan does not need to bear legal responsibility, and the emergency contact person is not a guarantor. If the borrower fails to repay the loan on time, it needs to pay a certain amount of overdue interest in accordance with the agreement or relevant state regulations, and bear the corresponding liability for breach of contract. The emergency contact person is the spare mobile phone number, which belongs to the person who contacts the loan and 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.

When applying for a credit card, you need to fill in the contact information of the emergency contact person. However, there are no strict rules on the identity of emergency contacts. Theoretically, it can be parents, colleagues, or even strangers. The issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from a third party unrelated to the debt, or use improper means such as violence, coercion, intimidation or abuse.

Legal basis: Article 686 of the Civil Code of People's Republic of China (PRC).

The guarantee methods include general guarantee and joint liability guarantee.

If the parties have not agreed on the way of guarantee or the agreement is unclear in the guarantee contract, they shall bear the guarantee liability according to the general guarantee.

Article six hundred and eighty-eight

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.