The borrower has the repayment ability and must fulfill the repayment obligation. If the borrower refuses to repay the loan, the bank can enforce it through prosecution. Joint and several liability refers to a kind of civil liability that two or more parties bear all or part of their joint debts according to the law or the agreement of the parties, which can cause their internal debt relations. When there are multiple responsible persons, everyone has the responsibility to pay off all debts, and there is a joint relationship between the responsible persons. That is, both the borrower and the guarantor have the obligation to repay the loan in full!