If another person signs or seals the creditor's rights certificate or loan contract such as IOUs, receipts, IOUs, but fails to indicate that he is the guarantor or assumes the guarantee responsibility, or cannot be presumed as the guarantor through other facts, and the lender requests him to assume the guarantee responsibility, the people's court will not support it.

In practice, the court will make a comprehensive determination based on the identity relationship between the payer and the borrower, trading habits, signature position and basic facts of the case.

Therefore, in order to prevent unnecessary disputes, the identity of the signatory should be indicated according to the actual situation.