First of all, the guarantor is the account manager and generally bears joint and several liability. If the borrower fails to pay, the compensation should not be lost.

I don't know if it's fraud, which is unprofessional in law, but if the small package company decides to borrow money because it sees the approval (the small package company can't see the credit information, which means they can't find out how many loans his friend has in the banking system), it should be cheated. .

If you can pay back the money quietly, no problem. If it gets big, it is estimated that the account manager can't do it in the banking circle.