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一、依法审查借款主体和借款行为的合法性信用社受理借款申请后，首先要依据有关法律、法规审查借款主体的法定资格。是法人的，必须审查其法人资格的合法性；是自然人的，必须审查其民事权利能力和民事行为能力。值得提醒大家的是，法人设立的分支机构，不具有企业法人资格，
First, review the legality of the borrower and the borrower according to law After accepting the loan application, the credit cooperative shall first examine the legal qualification of the borrower in accordance with the relevant laws and regulations. Is a legal person, must review the legitimacy of its legal personality; is a natural person, must review its civil rights and civil capacity. It is worth reminding everyone that a branch established by a legal person does not qualify as a corporate legal person,