the bank issuing the loan has the obligation to review its guarantor, including the guarantor's qualification and ability to guarantee. If the bank issues the loan, the bank will also fulfill its supervisory obligations to the guarantor. Guarantees can be divided into general guarantees and joint and several liability guarantees. Depending on the requirements of the litigant, the law can execute the guarantor first, the borrower first or both the borrower and the guarantor bear the repayment responsibility. If the guarantor is unable to pay off the debt, the bank may apply for execution of the borrower; if both are unable to repay, the bank may declare for write-off, but the account is put on file. Once the borrower and guarantor are able to repay, if the lawsuit bank does not give up, the bank may apply for continued execution until the loss is recovered.

The bank examines the following:

1. There is a close and inseparable relationship

2. The guarantee company belongs to a kind of financing company. Guarantee companies are generally composed of asset appraisers, economists, accountants, analysts and other financial-related positions. This company is mainly provided with the required guarantee by the financing company (or the company that needs the loan), and then the personnel in various positions of the guarantee company will analyze, evaluate and predict the company that needs the loan, and then decide whether to guarantee it, but at this time, the guarantee company will not contribute a penny, and the loan will be funded by the financing company or the bank

3. If it is a guarantee company found by the loan company itself, then the bank will strictly examine its guarantee company. The amount and time of loan issuance are closely related to the guarantee company (the bank issues loans)

4. If the loan company finds the financing company and needs to lend to it, then the financing company will review the guarantee company, and the amount and time of loan issuance are closely related to the guarantee company (the financing company issues loans)

5. If the loan company finds the financing company and needs to lend to it, After the financing company reviews the loan company, the financing company will find a guarantee company, so the bank will strictly review its guarantee company, and the amount and time of loan issuance have a great relationship with the guarantee company (the bank issues loans)