What is established between consumers and guarantee companies is a contractual relationship (guarantee contract). Both parties shall perform their obligations and enjoy rights as agreed in the contract. Consumers should pay fees and perform obligations as agreed in the contract, and the guarantee company should also provide services and perform obligations as agreed. Judging from the reporter's understanding, consumers have fulfilled the contract as agreed. Therefore, from the perspective of contract performance, the guarantee company should return the deposit to the consumer after the consumer's contract performance is completed (generally without special agreement).