The "general principles of loans" have corresponding provisions:

Article 30 The lender shall issue the loan on schedule in accordance with the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages. After the loan is issued, the lender shall conduct follow-up investigation and inspection on the borrower's execution of the loan contract and operation.

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Laws and regulations related to the general principles of loans:

Twenty-seventh borrowers to apply for loans should have a certain proportion of their own funds as stipulated by the People's Bank of China, and marketable materials and property as loan guarantees. The Lender has the right to request that the materials and property guaranteed by the Borrower be disposed of in accordance with legal procedures.

The borrower does not fully meet the conditions for applying for a loan as stipulated in the first paragraph of this article, but may apply for a loan under special circumstances. However, the borrower can borrow only after obtaining the consent of the lender and the approval of the lender's superior.

Article 28 Where a guarantor is required in the second paragraph of Article 7 of these Regulations, or a guarantor is required by one party or both parties through consultation, the guarantor must have sufficient property to repay the loan. The guarantor shall be jointly and severally liable for the repayment of principal and interest.

Baidu encyclopedia-general rules for loans