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营业执照贷款查不查配偶征信
释义
法律分析:个人信用贷款是不会查夫妻双方征信的。个人申请信用贷款属于个人的行为,并非配偶一起申请,所以银行只会查贷款人本人的征信报告,并不会查询配偶的征信。
法律依据:《中华人民共和国商业银行法》 第七条 商业银行开展信贷业务,应当严格审查借款人的资信,实行担保,保障按期收回贷款。商业银行依法向借款人收回到期贷款的本金和利息,受法律保护。
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更新时间:2026/6/27 10:41:53