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1、贷款审查关 贷款审查是信贷管理的决策阶段,其审查要点是: (1)借款人的主体资格。 按我国民法规定,合同当事人应当是具有完全民事行为能力的公民和能够独立承担民事责任的法人。银行对国营、集体企业贷款应审查其是否“有符合国家规定的资金数额、组织章程、组织机构和场所,能够独立承担民事责任,经主管机关核准登记,取得法人资
1, loan review off loan review is the credit management decision-making stage, the review points are: (1) the borrower’s qualification. According to China’s civil law, the parties to a contract should be citizens with full capacity for civil conduct and legal persons who can independently assume civil liability. The state-owned and collective-owned enterprises should check whether their loans are "in line with the amount of funds, articles of association, organizations and places that are in compliance with the state’s requirements, be independently liable for civil liabilities, be approved and registered by the competent authority, and obtain legal person’s assets