First of all, loan stock trading has been clearly included in the bank loan prohibition list. According to the requirements of the regulatory authorities, bank loans require lenders to provide loan purposes. For example, if a customer mortgages a house in the name of working capital in order to do business, the customer must provide the relevant business license and the company's operation, and at the same time, he must open a large loan in the bank and use it under certain supervision.

On the other hand, investors all know that high yield means high risk, and mortgage loans have a fixed term. If the loan is returned at the bottom of the stock market, investors will only sell it at a low point. This can easily lead to overdue repayment. At present, banks are facing great pressure of non-performing loans, so the use of loans is also very strict.

For the application of loan stock trading, not only banks will strictly check, but even online lending platforms with relatively low thresholds will not easily pass. Although the online lending platform does not directly provide funds but only acts as a lending intermediary, it also has certain requirements for the borrower's collateral and borrowing purposes, and loan stock trading is not within the scope of approval.