The loan guarantor refers to the agreement between the guarantor and the creditor that when the debtor fails to perform the debt, the third party guarantor will perform the debt or assume the responsibility according to the agreement, and the third party guarantor here is the guarantor. The qualifications of a bank loan guarantor include but are not limited to the following: 1, a natural person with full civil capacity, aged between 18 (inclusive) and 65 years old (inclusive); 2. Have legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status; 3. Have a good credit record and willingness to repay; 4, with a stable source of income and the ability to repay the loan principal and interest in full and on time; 5. It has nothing to do with loan cases; 6. Enjoy political rights and unlimited personal freedom; 7. Have permanent residence and permanent residence in the local area; The qualification scope of the guarantor is as follows: 1. Legal persons, other organizations or citizens who have the ability to pay off debts on their behalf may act as guarantors; 2. State organs shall not act as guarantors, except those who use loans from foreign governments or international economic organizations with the approval of the State Council; 3, schools, kindergartens, hospitals and other public institutions and social organizations for the purpose of public welfare shall not become guarantors; 4. If the branch of an enterprise as a legal person has written authorization from the legal person, it can provide guarantee within the scope of authorization: the above conditions are loan guarantors of credit cooperatives, please refer to them.