It is illegal to borrow money for stock trading, and personal loans cannot be used for stock trading, because according to the current national regulations, loan funds are not allowed to illegally enter the stock market, real estate development and other fields that are expressly prohibited by the state. Personal loans must have a clear purpose and comply with laws, regulations and relevant national policies. Lenders should, in accordance with the principle of prudence, improve the authorization management system, standardize the approval operation process, clarify loan approval authority, implement the separation of loan approval and authorized approval, and ensure that loan approval personnel independently approve loans in accordance with authorization. Loan risk evaluation should be based on the analysis of the borrower's cash income, adopt quantitative and qualitative analysis methods, and conduct comprehensive and dynamic loan review and risk assessment. Lenders should establish and improve borrowers’ credit records and evaluation systems.

Personal loan applications should meet the following conditions:

1. The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who complies with relevant national regulations;

2. The purpose of the loan is clear and legal;

3. The loan application amount, term and currency are reasonable;

4. The borrower has the willingness and ability to repay Ability;

5. The borrower's credit status is good and there is no major bad credit record;

6. Other conditions required by the lender.

Legal basis: Article 18 of the "Interim Measures for the Administration of Personal Loans"

Loan review shall conduct a comprehensive review of the legality, rationality, and accuracy of the loan investigation content, focusing on the investigation The person's due diligence and the borrower's repayment ability, credit status, guarantee situation, mortgage (pledge) ratio, risk level, etc.