This kind of behavior is absolutely not allowed in the internal compliance management of banks, and all banks are strictly prohibited. Sometimes, in order to save trouble and reduce the waste of the contract, the loan officer will ask the customer to sign by hand at the place where the signature is sealed, and then fill in the information in person when there is time. This contract is not allowed to be amended. Once you make a mistake, you have to fill it out from the beginning. Due to the scattered content, some credit officers often use this irregular method to save time and contracts in order to avoid customers wasting time and materials. However, this will undoubtedly increase the credit risk, and the consequences are unimaginable. Once something goes wrong, you can't wash it off if you jump into the Yellow River. I suggest that you can't write to the loan officer to instruct you to fill out the contract one by one unless you trust him to help you fill out the contract privately.

How many contracts are written on the last page? The X handprint of this contract is signed on it, which indicates that you approve the above agreement. This contract shall come into effect after being signed and sealed by the bank borrower and the guarantor, and shall have legal effect. I can only suggest that you pay more attention and know more about loans and laws in the future. As a guarantor, you must hold a copy of the guarantee contract. As long as the above information is correct, there is no big problem. If something goes wrong in the future, the three contracts will not be protected by law if they are inconsistent.

If you feel unsafe, you can complain to the account manager in charge of loans in the credit management department of the bank and ask for a new contract, because this behavior is not standardized. The normal procedure is that before signing a contract, the bank staff should read the contents of the contract and the relevant signing precautions to the guarantor, and inform the guarantor that the guarantee is risky and the guarantor needs to be cautious. The guarantor agrees to fill in the contents of the contract to be signed face to face at the beginning of the guarantee. For example, the guarantee contract is in triplicate, and one person needs to fill in three copies. You can write, you can read. Check the contents of the three contracts by yourself, the handwriting is exactly the same, and then sign and seal them by hand. However, if you complain, you and your friends will be torn apart. Bank managers who handle loans will also be severely punished. It is a serious violation to let customers sign blank contracts without any knowledge.

However, it's generally okay. If you guarantee a loan of 200,000 yuan, if they cheat more than 600,000 yuan, and the value of your fixed assets is less than this guarantee amount, even if the loan approval department signs a contract and finds that your fixed assets are far below the guarantee amount, it will directly reject the loan application, that is, approval, because you are insolvent and do not have the guarantee conditions for this loan. But if you want to be rich, you should be more careful.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.