Legal basis: Article 392 of the Civil Law of People's Republic of China (PRC), if the secured creditor's rights are jointly guaranteed by the property and the person, if the debtor fails to perform the due debts or the parties agree to realize the security interest, the creditor shall realize the creditor's rights according to the agreement, or if the agreement is unclear and the debtor provides the guarantee himself, the creditor shall first realize the three-thing guarantee provided by the creditor, and the creditor may realize the creditor's rights on the collateral or request the guarantor to assume the guarantee responsibility. The third party providing the guarantee shall have the right to recover from the debtor after assuming the guarantee responsibility.