Legal subjectivity:

You can borrow money using a company's business license, but the following conditions must be met: 1. The business license must be obtained legally and has been for one year, or the business license must be actually operated for one year. Yes; 2. Have an account in the place where the loan bank is located, and the legal person of the company must be over 18 years old and have civil capacity; 3. Open an account in the bank where the loan is needed; 4. Have a certain source of repayment in the place where the account is registered, and its monthly operating income must be high The monthly repayment amount; 5. Items that can be used as collateral must be provided before the loan. Article 36 of the Commercial Bank Law: For commercial bank loans, the borrower shall provide guarantee. Commercial banks shall strictly examine the guarantor's repayment ability, the ownership and value of mortgages and pledges, and the feasibility of realizing mortgage rights and pledge rights. If, after review and evaluation by a commercial bank, it is confirmed that the borrower has good credit and can indeed repay the loan, no guarantee is required. Legal objectivity:

Article 667 of the Civil Code is a loan contract in which the borrower borrows money from the lender and returns the loan and pays interest when due. Article 11 of the "Interim Measures for Personal Loans" shall meet the following conditions for personal loan applications: (1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who complies with relevant national regulations; (2) The loan The purpose is clear and legal; (3) The loan application amount, term and currency are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no major bad credit record; (6) The loan Other conditions required by the person.