1. Diverse risks: As legal representatives, both husband and wife represent the interests of the enterprise. Signing a counter-guarantee refers to taking personal property as collateral to reduce the risks borne by the loan credit guarantee fund. If the enterprise can't repay the loan on time, the loan credit guarantee fund can have the right to rely on counter-guarantee for recovery to protect its rights and interests.

2. Strengthen the awareness of contract performance: signing counter-guarantee can make legal representatives pay more attention to the performance responsibility of loan contracts, because they understand that breach of contract will lead to personal property losses.