First, the specific ways of taking responsibility are different. The guarantor of general guarantee only has the obligation to perform on his behalf when the principal debtor fails to perform, that is, supplementary performance; The guarantor and the principal debtor in the joint and several liability guarantee are joint and several debtors, and the creditor may claim compensation from the debtor or the guarantor within the scope of the guarantee. No matter who the creditor chooses, the debtor and the guarantor have no right to refuse;
Second, joint liability guarantees the rights, obligations and responsibilities of the guarantor and the principal debtor, and the legal provisions of joint liability apply. However, there is no joint debt problem between the general guarantor and the principal debtor, but the guarantor enjoys the right of claim against the principal debtor after performing the debt to the creditor;
Third, the debtor in the joint and several liability guarantee has no right of defense, that is, whether the creditor urges the principal debtor cannot be used as a defense to fulfill the guarantee obligation; Generally speaking, the guarantor has the right of defense, that is, when the creditor asks the guarantor to perform on his behalf, the guarantor can ask the creditor guarantor to apply for compulsory enforcement of the property of the principal debtor or to enforce the security right first when the property is secured and refuse to pay off;
Fourth, the joint and several liability guarantee is stipulated by law or agreed by the parties. If there is no such stipulation or agreement, the joint and several liability guarantee will also be undertaken. General guarantee shall be agreed by both parties;
Fifth, joint and several liability has a strong guarantee, which is quite beneficial to creditors, and the guarantor has a heavy burden, while the general guarantee is relatively weak and the guarantor's burden is relatively light.
Legal basis: Article 16 of the Company Law of People's Republic of China (PRC), if a company invests in other enterprises or provides guarantees for others, it shall be decided by the board of directors or the shareholders' meeting in accordance with the articles of association. Where a company provides a guarantee for the company's shareholders or actual controllers, it must be resolved by the shareholders' meeting or the shareholders' meeting.