The co-guarantors in five joint-guarantee loans are joint and several liability guarantors. According to the relevant laws and regulations, if there are more than two guarantors for the same debt, the guarantors shall bear the guarantee responsibility according to the guarantee share agreed in the guarantee contract. If there is no agreement on the share of guarantee, the guarantor shall bear joint and several liability, and the creditor may require any guarantor to bear all the guarantee liability, and the guarantor is obliged to ensure the realization of all the creditor's rights.

The surety who undertakes the suretyship liability has the right to recover from the debtor, or ask other sureties who undertake joint liability to pay off their share.