Why does the loan credit guarantee fund guarantee that the legal person should sign the so-called counter-guarantee on behalf of the husband and wife?

Disperse risks and strengthen the awareness of performance.

1. Diverse risks: both husband and wife, as legal representatives, represent the interests of the enterprise. Signing a counter-guarantee means taking personal property as collateral to reduce the risks borne by the loan credit guarantee fund. If the enterprise can't repay the loan on time, the loan credit guarantee fund can have the right to rely on counter-guarantee for recovery to safeguard its rights and interests.

2. Strengthen the awareness of contract performance: signing counter-guarantee can make legal representatives pay more attention to the performance responsibility of loan contracts, because they understand that breach of contract will lead to personal property losses.