Legal analysis: shareholders do not check credit information, and become the legal representatives of directors, supervisors, senior managers or directors to check credit information. They all apply for corporate loans from banks as enterprises, and banks should check the personal credit information of corporate representatives, shareholders and financial leaders.

Legal basis: Article 6 of the Regulations on the Administration of Credit Information Industry The establishment of a credit information agency engaged in personal credit information business shall meet the company establishment conditions and the following conditions stipulated in the Company Law of People's Republic of China (PRC), and be approved by the supervision and administration department of credit information industry in the State Council:

(1) The major shareholder has a good reputation and has no record of major violations of laws and regulations in the last three years;

(2) Its registered capital is not less than 50 million yuan;

(3) Having facilities, equipment, systems and information security measures that meet the requirements of the supervision and administration department of credit reporting industry in the State Council;

(4) The directors, supervisors and senior managers to be appointed meet the post-holding requirements as stipulated in Article 8 of these Regulations;

(five) other prudential conditions stipulated by the supervision and administration department of the State Council credit information industry.