1. Executed person with bad faith: If the personal loan refuses to repay, the lender will notify him that he still fails to perform his obligations after the judgment, and he will be punished by credit and recorded in the credit report, and the legal representative of the company will be blacklisted, so other companies under his name will definitely be affected.

2. Bad credit report: If the corporate legal person is often overdue, the credit report has records of continuous delays, bad debts, bad debts and compensation. , will be blacklisted by the bank, which means that the borrower has bad integrity and is at risk of overdue.

3. High debt: If the legal person's own loan amount is too high, it has been lending, indicating that personal finance may have problems, which will also have a certain impact on corporate loans.

2. Can the legal representative borrow money?

The legal representative can borrow money. The legal representative is a person with corresponding capacity for civil conduct and can make loans in his own name. If it lends money in the name of the company, the legal liability shall be borne by the company, because it can constitute an apparent agency. Article 13 of People's Republic of China (PRC) Company Law The legal representative of the company shall be the chairman, executive director or manager in accordance with the articles of association, and shall be registered according to law. Where the legal representative of the company changes, it shall go through the registration of change. Article 61 of the Civil Code of People's Republic of China (PRC) According to the provisions of the law or the articles of association of a legal person, the person in charge of civil activities on behalf of a legal person is the legal representative of the legal person. The legal consequences of the legal representative's civil activities in the name of a legal person shall be borne by the legal person. The restriction of the legal representative's representation by the articles of association or the functions and powers of the legal person shall not be against the bona fide counterpart.

Sorry, I opened a shop. I am the legal representative. Can I apply for a loan from the bank?

can

I am a legal person, can I get a loan?

Of course. The company needs to bear the responsibility, and then it can seek compensation from the company as a legal person. If it is a limited company, the legal representative acts on behalf of the company, and the repayment responsibility after signing the loan contract shall be borne by the company, and the shareholders shall be liable to the company to the extent of their capital contribution.

If it is a partnership, the behavior of the legal representative represents the partnership, and the debts of the partnership are jointly and severally liable by each partner, which is also the fundamental difference between a limited company and a partnership. As long as shareholders have not transferred their shares, they are still shareholders of the company and still have obligations and rights.

Article 149 of the Company Law of People's Republic of China (PRC) * * * Directors, supervisors and senior managers who violate laws, administrative regulations or the Articles of Association when performing their duties in the company shall be liable for compensation.

Extended data

Article 148 of the Company Law of People's Republic of China (PRC), directors and senior managers shall not commit any of the following acts:

(1) Misappropriation of company funds;

(2) Opening an account for the company's funds in its own name or in the name of other individuals.

(3) Lending the company's funds to others or providing guarantee for others with the company's property without the consent of the shareholders' meeting, the shareholders' general meeting or the board of directors, in violation of the provisions of the company's articles of association;

(four) in violation of the articles of association of the company or without the consent of the shareholders' meeting or the shareholders' meeting, enter into a contract or conduct a transaction with the company;

(5) Without the consent of the shareholders' meeting or shareholders' meeting, taking advantage of his position to seek business opportunities belonging to the company for himself or others, and running the same business as the company he works for;

(six) accept the entrustment of others and regard the transaction with the company as your own;

(seven) unauthorized disclosure of company secrets;

(8) Other acts that violate the obligation of loyalty to the company. The income of directors and senior managers who violate the provisions of the preceding paragraph shall be owned by the company.