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

However, according to the relevant laws and regulations, it is illegal to use the funds for stock trading after applying for loans in the name of consumer loans. 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 due to huge debts caused by loan speculation.

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

if it's just normal loans and financing, there's nothing to worry about, but if you want to 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, 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 interbank trading; 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 money laundering transactions. A lot of money will definitely be noticed. It is dangerous not to borrow money to invest in the stock market.