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What should I do if the secured loan bank pursues responsibility?
If the guarantor provides a general guarantee for others' loans when the bank pursues the responsibility, the bank must first pursue the responsibility from the debtor and then ask the guarantor to bear the responsibility, otherwise the guarantor can refuse; If the guarantor provides joint and several liability guarantee, he shall bear the guarantee liability.
Legal objectivity:
"General Principles of Civil Law of People's Republic of China (PRC)" Article 387 Where a creditor needs security in order to guarantee the realization of his creditor's rights in civil activities such as borrowing, buying and selling, he may establish a security interest in accordance with the provisions of this Law and other laws. Article 686 of the Civil Code of People's Republic of China (PRC) includes general guarantee and joint liability guarantee. If the parties have not agreed on the way of guarantee or the agreement is unclear in the guarantee contract, they shall bear the guarantee liability according to the general guarantee. Article 687 of the Civil Code of People's Republic of China (PRC) stipulates in the suretyship contract that when the debtor fails to perform the debt, the surety shall bear the suretyship responsibility, which is a general suretyship. Article 688 of the Civil Code of People's Republic of China (PRC) stipulates in the guarantee contract that the guarantor and the debtor shall be jointly and severally liable for the debt, which is a joint liability guarantee. When the debtor of joint and several liability guarantee fails to perform the due debt or the circumstances agreed by the parties occur, the creditor may require the debtor to perform the debt, or may require the guarantor to assume the guarantee liability within the scope of its guarantee.
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