Legal analysis: the loan guarantor needs to bear the repayment responsibility. A guarantor is a guarantor. Under different circumstances, the responsibilities that the guarantor needs to bear are: civil liability, civil joint liability, guarantee liability and compensation liability. The loan guarantor shall bear the risk of repaying the loan and interest on behalf of the borrower. 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. Among them, loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Simply put, it is borrowing money with interest. According to different repayment periods, loans can be divided into short-term loans, medium-term loans and long-term loans; According to different repayment methods, loans can be divided into demand loans, term loans and overdrafts.

Legal basis: Article 68 1 of the Civil Code of People's Republic of China (PRC) is a contract in which the guarantor and the creditor agree that when the debtor fails to perform the due debt or the circumstances agreed by the parties occur, the guarantor will perform the debt or assume the responsibility.