Legal analysis: According to the Civil Code, all parties to a contract have the right to abide by the contract. If the borrower does not have it, he can ask the relevant handling personnel or lenders for it. 1. The loan contract is a proof of the existence of the loan relationship, and it will stipulate the time of car loan, the calculation method of interest rate and the arrangement of repayment method. There are also some clauses such as liability for breach of contract. 2. Generally, loan contracts are in triplicate or even quadruplicate, and both banks and lenders should keep them properly. The borrower shall use the loan for the agreed purpose and shall not use it for illegal purposes. The purpose of the loan agreed in the loan contract shall not violate the provisions of the state on restricting operation, franchising and prohibiting operation by laws and administrative regulations. Clarifying this clause can protect the borrower's right to use funds; For lenders, it can monitor the flow of funds, ensure the return of funds and control risks.

Legal basis: Article 2 of the Civil Law of People's Republic of China (PRC) stipulates the personal relationship and property relationship among natural persons, legal persons and unincorporated organizations as equal subjects.