Shareholders' litigation has nothing to do with the company, but a personal dispute of shareholders. However, if banks know that shareholders are involved in litigation, then banks will usually take shareholder litigation as a factor in loan risk assessment, especially for sole proprietorship companies.

The company's failure to repay bank loans will not affect shareholders' personal credit information, but will only affect legal persons.

1. Limited liability companies affect corporate credit reporting, and partnerships and sole proprietorships affect personal credit reporting at the same time. In addition, if you apply for a natural person loan in the name of the legal representative, it will affect your personal credit information.

2. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

3. Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users.

Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.