① The borrower shall not borrow from different branches of the lender in the same jurisdiction at the same time;
(2) the obligation to inform. The borrower shall not provide the lender with false production and operation information such as balance sheet, income statement, etc., so as to prevent the borrower from using false production and operation information to borrow loans that are not commensurate with its repayment ability and affect the capital security of financial institutions;
(3) The borrower shall not use the loan to engage in equity investment. Except for a few cases otherwise stipulated by the state, China's company law, relevant enterprise law and enterprise registration system clearly stipulate that the parties to establish a company or other enterprises (including as shareholders of the company) must have the statutory minimum registered capital, and at the time of registration, these funds must be accompanied by capital verification certificates from relevant banks and certified public accountants;
(4) The borrower shall not use the loan for speculative business activities of securities and futures;
(5) Except for borrowers who have obtained real estate business qualifications according to law. No other unit or individual may engage in real estate business with loans; Borrowers who have obtained real estate business qualifications according to law shall not use loans to engage in real estate speculation;
⑥ Borrowers are not allowed to seek illegal income through loans. The General Principles of Loans stipulates that the borrower, as an intermediary, shall not transfer the original loan price (interest rate), which will raise the interest rate in the financing market and affect the stability of the financial market.
⑦ The borrower shall not use foreign exchange loans in violation of the provisions of the State on the administration of foreign exchange loans. Before China's RMB is fully convertible, the state should still supervise foreign exchange funds and restrict the qualifications of foreign exchange institutions to ensure the orderly and safe flow of foreign exchange funds.
Legal basis: Article 17 of the Guarantee Law of People's Republic of China (PRC) stipulates in the guarantee contract that when the debtor fails to perform the debt, the guarantor shall bear the guarantee responsibility, which belongs to the general guarantee. The guarantor of a general guarantee may refuse to undertake the guarantee liability to the creditor before the main contract dispute has been tried or arbitrated and the debtor's property has been enforced according to law. Article 18 of the Guarantee Law of People's Republic of China (PRC) * * * If the parties agree in the guarantee contract that the guarantor and the debtor shall bear joint liability for the debt, it is a joint liability guarantee. If the debtor of joint and several liability guarantee fails to perform the debt at the expiration of the debt performance period agreed in the main contract, the creditor may require the debtor to perform the debt, or may require the guarantor to assume the guarantee liability within the scope of its guarantee. If the borrower fails to pay back the money, the guarantor will bear the guarantee responsibility, but the ways and conditions of bearing the responsibility are different according to the different types of guarantee. Guarantee can be divided into general guarantee and joint liability guarantee. Where the parties agree in the suretyship contract that the surety shall bear the suretyship liability when the debtor fails to perform the debt, it is a general suretyship. The guarantor of a general guarantee may refuse to undertake the guarantee liability to the creditor before the main contract dispute is tried or arbitrated and the debtor's property is enforced according to law. In the guarantee contract, the parties agree that the guarantor and the debtor shall be jointly and severally liable for the debt, which is a joint liability guarantee. If the debtor of joint and several liability guarantee fails to perform the debt at the expiration of the debt performance period agreed in the main contract, the creditor may require the debtor to perform the debt, or may require the guarantor to assume the guarantee liability within the scope of its guarantee. If the parties have no agreement on the method of guarantee, or the agreement is unclear, they shall bear the guarantee liability according to the joint guarantee. The guarantor shall have the right to claim compensation from the debtor and other guarantors according to law after assuming the guarantee responsibility.