Legal analysis: the so-called mutual insurance means that every enterprise in a certain group puts part of its money into an association as a mutual insurance fund, and then the association entrusts a professional guarantee company to operate it to help the small and medium-sized enterprises in this group solve the financing problem. If there are bad debts in the guarantee business, the fund can partially bear the risks. The key to the difference between mutual insurance and ordinary guarantee companies is that mutual insurance emphasizes mutual assistance and joint membership.

Legal basis: Article 447 of the Civil Code of People's Republic of China (PRC). When the debtor fails to perform the due debt, the creditor may retain the movable property that the debtor has legally possessed, and has the right to be paid in priority for the movable property. The creditor specified in the preceding paragraph is the lien holder, and the movable property it occupies is the lien property.