You may be held liable. The agreement between you is called an indirect anonymous agency legal relationship in civil law theory. When the client cannot repay the bank money when it is due, if the client discloses you to the bank, When you are the principal, the bank has the right to choose you or the agent to bear the responsibility! If the bank chooses you as the debtor, then you need to bear responsibility. As for the debt allocation method between you and the client, it will not be legally effective for external third-party banks, which means that the debt agreement between you and the client cannot be used against the bank. Debt request! (For reference only)