The three-person mutual guarantee belongs to the three-household joint guarantee, which is the loan business of the Rural Commercial Bank (formerly the Rural Credit Cooperative). The three people guarantee each other. As long as one of them fails to repay the loan on time, the remaining two will If all the guarantees are not repaid, they will be jointly and severally included in the blacklist of defaulters, which will be reflected in the credit report until all three people have paid off. Five years after the repayment, the credit report will not be reflected. If they have not paid it back, then It will always be shown that the three people are the main responsible persons and jointly responsible persons for the breach of trust.