Legal analysis: When making a bank loan, the resolution of the shareholders' meeting issued by the company is a prerequisite for the effectiveness of the company's lending behavior, and its role is to provide an effective basis for the company's lending behavior. In practice, when handling bank loan business, if the borrower is an enterprise, the bank will generally ask for the resolutions issued by the shareholders' meeting and the shareholders' meeting on borrowing from the bank. If there is no resolution, the bank will usually not handle the relevant business for the enterprise.

legal basis: company law of the people's Republic of China

article 14 if this law and the articles of association stipulate that matters such as the company's transfer, transfer of major assets or provision of external guarantees must be resolved by the shareholders' meeting, the board of directors shall convene the shareholders' meeting in time, and the shareholders' meeting shall vote on the above matters.

Article 148 Directors and senior managers shall not commit any of the following acts:

(1) misappropriating company funds;

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

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

(4) entering into a contract or trading with the Company in violation of the Articles of Association or without the consent of the shareholders' meeting or the shareholders' general meeting;

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

(6) accept the commission of others dealing with the company as your own;

(7) disclosing company secrets without authorization;

(8) other behaviors that violate the duty 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.