If the funds are not used according to the purpose agreed in the loan contract and the loan is used for other purposes, once verified, it shall be ordered to recover the principal and interest of the loan within a time limit. If loan funds flow into areas strictly prohibited by the state, such as the stock market, the account managers of loan banks will be affected by lax verification and poor fund control.

If the borrower uses it for other purposes privately and is not subject to bank supervision (the third-party fund supervision of the People's Bank of China), the loan issuing bank will not do anything.