Hello! All five households need to go to the site and bring effective materials. Five-household joint guarantee is a joint guarantee body, and each individual in the joint guarantee body has the obligation to repay the loan, and the personnel in the joint guarantee body bear joint and several liabilities. In other words, if the borrower escapes, the bank can recourse to any or all of the other four banks. The five-family joint guarantee was originally designed to reduce the risk of bank lending, and the lender also described it as holding a group to keep warm because of the establishment of joint guarantee. But in fact, UNPROFOR hides greater risks. Usually, the joint guarantee formed spontaneously is either in the same industry or has insufficient economic strength. In this case, once one of the households has an economic crisis, the bank will tighten lending, which will also affect other households, and UNPROFOR will become fragile or even collapse, and the situation of UNPROFOR personnel will become a fire pit.