1. When an enterprise user applies for an enterprise loan, it generally requires the signature of the legal person. A company can have one or more shareholders, so the signatures of shareholders do not meet the loan conditions of banks. The sole legal person of an enterprise can only be borne by one person from the perspective of jurisprudence or practice. When applying for an enterprise loan, the legal person does not need to be present in person, and the legal person may authorize others to sign on his behalf;
2. A joint stock limited company generally needs the signature of shareholders to borrow money from a bank, but sometimes it doesn't necessarily need the consent of all shareholders. The specific circumstances shall be determined according to the provisions of the articles of association. If the articles of association stipulate that more than a few percent of shareholders can sign, it can be implemented in accordance with the articles of association, and all shareholders do not need to sign.
Legal basis: Article 39 of the Company Law of People's Republic of China (PRC).
Shareholders' meetings are divided into regular meetings and temporary meetings.
Regular meetings shall be held on time in accordance with the provisions of the articles of association. If shareholders representing more than one-tenth of the voting rights, more than one-third of the directors, the board of supervisors or the supervisors of a company without a board of supervisors propose to convene an interim meeting, an interim meeting shall be convened.
Article 16
Where a company invests in other enterprises or provides guarantees for others, it shall be decided by the board of directors or the shareholders' meeting in accordance with the articles of association; Where the articles of association stipulate limits on the total amount of investment or guarantee and the amount of individual investment or guarantee, it shall not exceed the prescribed limits.
Where a company provides a guarantee for the company's shareholders or actual controllers, it must be resolved by the shareholders' meeting or the shareholders' meeting.
Shareholders specified in the preceding paragraph or shareholders controlled by actual controllers specified in the preceding paragraph shall not participate in voting on matters specified in the preceding paragraph. The voting shall be passed by more than half of the voting rights held by other shareholders present at the meeting.