Yes, it is related party loan. Commercial banks may not issue credit loans to related parties; The conditions for granting secured loans to related parties shall not be superior to those for similar loans of other borrowers. As long as effective guarantees are provided, loans can be issued within the bank's credit line.

2. Shareholders of joint-stock banks may borrow money from banks.

Shareholders of joint-stock banks can borrow from their own banks, that is, from related parties. Commercial banks may not issue credit loans to related parties; If the borrower issues similar secured loans to related parties, it may issue loans within the bank credit line.

Related parties refer to:

(1) Directors of commercial banks and their close relatives.

(2) Companies and enterprises that hold management positions mentioned in the preceding paragraph.

The banking law of many countries defines the meaning of related party in the law of bank lending to related parties, although it refers to people who have a special close relationship with banks.

Three, the joint-stock company to bank loans need to be signed by all shareholders.

The voting of a joint-stock company may be agreed by more than half of the voting rights held by the shareholders present at the meeting, not by more than half. Therefore, as long as minority shareholders do not account for more than half of the voting rights, loans can still be applied for.

4. Can joint-stock economic cooperatives borrow money from banks?

If it is a joint-stock economic cooperative, it can also apply for a loan from the bank, but it needs collateral, such as factory buildings or fixed assets, and go to the bank to mortgage the loan.