1. The credit guarantee you mentioned is PICC in civil law (but this is a legal person). If you want to help your friend, I have a suggestion, that is, the guarantee is a special guarantee (guarantee), which requires the company to bear the guarantee responsibility, not a general guarantee. Because your friend's company is jointly and severally liable, and if the money is not paid by then, the property of your friend's company should be given priority. On the other hand, if your friend's company goes bankrupt, and you want to apply for creditor's rights on the credit guarantee line of your friend's company within the prescribed time limit for reporting creditor's rights, then this part of the money can be used to deduct the loan owed to the bank (so you should specify the guarantee line in the previous guarantee, at least not lower than the bank's loan line).
It's hard to say who you lent the money to.
According to you, your friend's company went to the bank for a loan, didn't it? And the agreement is that your friend's company will pay back the money. Personally, I think that if your friend's company goes bankrupt, the bank will look for your friend's company first. If it can't pay back the money, it will give a notice period, otherwise it may apply to the industrial and commercial bureau for revoking your business license. If it goes bankrupt, the bank will lose money, because it only has the right to suggest the disposal of your business license, but can't ask you to repay it, and it has no right to execute your personal property. (digression, even the money borrowed by your company, as long as it is not unlimited joint and several liability, the bank has no right to execute personal property).
The above is just a personal opinion, and there will definitely be risks, but personally, the risk is not great. I don't know if it will help you!
I hope so ~ ~ ~
Your supplement is very good, at least let me understand that you went to the bank for a loan in the name of your company. This situation is completely different. Your friend's company guarantees you that he will repay all loans, interest, fines, etc. Then this should be reflected in the loan contract with the bank, that is, the borrower, the lender and the guarantor (that is, signing a tripartite contract). Once the loan expires, the bank will first implement the terms in the contract, that is, require the guarantor to bear the repayment responsibility. If the guarantor goes bankrupt halfway, the bank will ask you to re-provide the guarantor and re-sign the contract. If the guarantor goes bankrupt at or after the maturity of the loan, the bank will apply for the creditor's rights within the loan amount, and the insufficient part will ask you to repay it. If the guarantor defaults or is insolvent, the bank will ask you to repay, because your individual industrial and commercial households are borrowers and have the obligation to repay at any time (here is different from mortgage). Just checked, individual industrial and commercial households bear foreign debts with personal property (personal business) and invest and operate with family property, so they bear foreign debts with family property. So if the guarantor goes bankrupt, the bank can enforce your personal property in the process of asking you to repay. If the bank excludes the guarantor's responsibility from the beginning and asks you to repay directly, you can ask the bank to assume responsibilities other than the guarantor's responsibility.