Whether the legal representative of a company has personal liabilities is directly related to whether the company can get a loan. I personally think the key lies in the company's situation, such as whether it has assets, its operating status, etc.

The other is the corporate form.

Individual industrial and commercial households and sole proprietorships are actually operated by one person or a family. If you want to get a loan, I am afraid it will be affected.

Limited companies and joint-stock companies have independent legal personality and independently bear civil liability to the outside world. The personal behavior of the legal representative will not affect the normal operation of the company.

Finally, I personally think this is not a legal issue, you should consult the bank's credit department and rely on their answer.

Zongheng Legal Network Lawyer Bian Hongwei