Legal basis: People's Republic of China (PRC) Commercial Bank Law.
Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.
After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
Article 37 A commercial bank shall sign a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.
People's Republic of China (PRC) Civil Code
Article 1046 Marriage shall be voluntary by both men and women, and it is forbidden for either party to force the other, and no organization or individual may interfere.
Article 1047 The age of marriage shall not be earlier than 22 for men and 20 for women.
1048th lineal blood relatives or collateral blood relatives within three generations are prohibited from getting married.
Article 1049 If both men and women want to get married, they should apply for marriage registration in person at the marriage registration office. Those who meet the requirements of this law shall be registered and issued a marriage certificate. The marriage relationship is established when the marriage registration is completed. Those who have not registered for marriage shall re-register.
Article 1050: After a registered marriage, a woman can become a member of the man's family and a man can become a member of the woman's family according to the agreement of both men and women.
Article 105 1 The marriage is invalid in any of the following circumstances:
(1) Bigamy;
(2) Having a family relationship that prohibits marriage;
(three) did not reach the legal age for marriage.