问:去年朋友在银行贷款,托我做担保人。上个月,朋友外出,不幸意外身亡,作为担保人,我需承担什么责任?答:担保责任分为两种,一种为一般担保,另一种为连带责任担保。如果你是连带责任担保人,你朋友死亡后,在担保期限内,银行可以直接要求你来还款。如果是一般担保,那么银行应当先要求你朋友的继承人在你朋友的遗产 Q: Last year, my friend borrowed money from a bank and asked me to be a guarantor. Last month, my friend went out, unfortunate accidental death, as a guarantor, what responsibility do I have to bear? A: There are two types of guarantee responsibility, one for the general guarantee, and the other for the joint liability guarantee. If you are a guarantor of joint and several liability, after your friend dies, the bank may ask you to repay directly within the guarantee period. If it is a general guarantee, then the bank should first ask your friend’s heir to stay with your friend’s estate