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Second, how can loans be transferred to the stock market without being discovered?

In order to avoid being discovered, some people often use stock speculative loans to cash out and then transfer to the stock market. They will change other people's accounts in cash. But banks can easily find their own names.

However, according to relevant laws and regulations, it is illegal to apply for loans in the name of consumer loans if the funds are used for stock market speculation. According to Article 18 of the Measures for Punishment of Financial Violations, financial institutions shall not engage in securities, futures investment or other derivative financial instruments transactions in violation of state regulations, nor provide credit funds or guarantees for securities, futures or other derivative financial instruments transactions, nor engage in non-self-use real estate, equity, industry and other investment activities in violation of state regulations. In addition, there are risks in the stock market, which may be huge debts caused by loan speculation.

Under the supervision of the bank's technical means, if a consumer loan is applied for stock market investment, the bank will find out. Although there is not much consequence in name, this dishonest behavior will be recorded by the bank, and the subsequent loan may be more difficult.

If it's just normal loan financing, there's nothing to worry about, but if you want to hide money and avoid debt in this way, as long as the loan expires, all assets are within the tracking range.

If the purpose of the loan is agreed, it is regarded as misappropriation of the loan, and the bank has the right to recover the loan in advance and demand to bear the corresponding liability for breach of contract. Generally speaking, there are only two methods: one is inter-bank transaction; The second is cash deposit and withdrawal. The former increases the query difficulty, but there are still accounts to check. The latter is not recorded, but large cash deposits and withdrawals may be regarded as suspicious transactions. A lot of money is sure to be noticed. It is very dangerous not to borrow money to invest in the stock market.

3. What is a working capital loan?

If enterprises want to develop continuously, they need enough funds to support them. If it is only a temporary difficulty, what does it mean for enterprises to choose working capital loans? Let's have a look.

The so-called working capital loan can also be called the shortage of funds in the production and operation of short-term capital enterprises, providing them with the necessary funds for development. In addition, according to the different loan terms, working capital can be divided into three different loan forms, such as temporary loans.

Liquidity loans can be well held, but there are three main requirements for liquidity:

1. To apply for a working capital loan, an enterprise legal person or legal representative shall apply to a bank or financial institution. At the same time, when applying for a working capital loan, it is necessary to reach an agreement with the bank on the main use of working capital.

2. Under normal circumstances, the funds borrowed from working capital loans are mainly used for the daily operation and production turnover of enterprises, and the funds obtained from working capital loans cannot be used for fixed assets or equity investment. At the same time, the borrowed funds shall not be used for some projects and fields explicitly prohibited by the state. If the borrowing enterprise fails to use the funds according to the loan agreement, it shall be regarded as a breach of contract, and if the circumstances are serious, the loan shall be recovered.

For loans, banks have the responsibility to supervise the use of loan funds in accordance with the agreed purposes. If the bank still uses the funds for other purposes during the supervision process, the CBRC will punish the bank.

The above is about working capital. If you apply for a working capital loan, you must use the funds according to the agreed purpose.