贷款为什么要担保人？

贷款是一种常见的金融产品，它允许借款人通过支付利息来获得一定金额的资金使用。然而，对于一些借款人来说，他们可能无法提供足够的担保物来保证贷款的安全，这时就需要担保人。那么，贷款为什么要担保人呢？

首先，担保人是贷款机构规避风险的一种手段。如果借款人无法按时偿还贷款，贷款机构可以通过追索担保人的连带责任来减少自身的损失。此外，担保人的存在也提高了借款人的信用评级，从而降低了贷款的风险。英文翻译：Why Do We Need a Guarantor for a Loan?

A loan is a common financial product that allows borrowers to obtain a certain amount of funds by paying interest. However, for some borrowers, they may not be able to provide sufficient collateral to ensure the safety of the loan, which is why a guarantor is needed. So, why do we need a guarantor for a loan?

Firstly, a guarantor is a means for loan institutions to avoid risks. If a borrower is unable to repay the loan on time, the loan institution can reduce its losses by pursuing the joint liability of the guarantor. Additionally, the existence of a guarantor also improves the credit rating of the borrower, thereby reducing the risk of the loan.