What country has the highest requirements for loans? I was looking to find countries with the toughest regulations on loans(general loans not any specific ones)

By that I mean:
 I mainly care to know where it is toughest for people to get a loan from a bank. 

To consider is:

•   where requirements are highest for people to qualify for a loan

•   where banks do the most thorough checks in a persons financial status (like SCHUFA in Germany)

•   where do banks have to pass the most audits and tests to prove their business is legit

I was looking at IWF Data but could not really get that sort of info from there.

I am basically looking to invest in Banks and want to find the best country to do that based on their banking infrastructure. I want to find lenders that make SURE their clients pay by setting the bar very high (I know that doesn’t mean they won’t default anyways)
A good starting point would be the "getting credit" subindex of the Doing Business rankings compiled by the World Bank.  There is also an explanation of the methodology.  This is supposed to be a test of the business environment, i.e. rules laid down by the government and central bank rather than about the behaviour of market participants.