The "general principles of loans" have corresponding provisions:
Article 71 Under any of the following circumstances, the lender will charge interest on part or all of the loan: if the circumstances are particularly serious, the lender shall stop paying the unused loan of the borrower and recover part or all of the loan in advance:
1. Failing to use the loan for the purpose specified in the loan contract.
Second, the use of loans for equity investment.
Third, engage in speculative business with loans in securities and futures.
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Laws and regulations related to the general principles of loans:
Article 27 After accepting the borrower's application, the lender shall investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk.
Loans are managed at different levels, and governors at all levels are fully responsible for the issuance and recovery of loans within the scope of authorization. The president may authorize the vice president or the loan management department to be responsible for approving loans, and the vice president or the person in charge of the loan management department shall be responsible to the president.
Article 28? The lender shall consider the borrower's loan application and give a timely reply on whether to lend. The response time of short-term loans shall not exceed 1 month, and the response time of medium-and long-term loans shall not exceed 6 months; Unless otherwise stipulated by the state.
Baidu encyclopedia-general rules for loans