If the borrower uses the obtained infrastructure loan for stock trading, the purpose of the loan will be seriously changed. Although there is also the possibility of profit, the loan risk of lenders will increase sharply, and once a stock market crash occurs, it is likely to lead to heavy losses for lenders.
In addition, financial institutions as lenders, some loans are issued according to national macroeconomic policies, national credit policies and industrial policies, and their loan purposes are directly related to national economic policies.
If the loan is not used according to the purpose of the loan, it will also cause the use of funds to be inconsistent with national policies.
Therefore, in addition to strengthening the supervision and inspection of loans, lenders should also take corresponding risk prevention measures against borrowers who use loans in default.
According to the above provisions, if the borrower fails to use the loan according to the agreed purpose, the lender may take measures to stop issuing the loan, recover the loan in advance or terminate the contract.
Article 673 of the Civil Code: If the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.