Legal analysis: When signing an agreement or contract, both parties must have agreed that if the debtor encounters major risks, may cause significant losses to the creditor's rights, breaches the contract or unilaterally states that it will not perform its obligations, the loan must be collected in advance. , although there is no mention of contract termination, in essence, if the loan is declared to expire early, that is, the original contract or agreement can be declared to expire early.

Legal basis: "People's Republic of China and Civil Code"

Article 577 If one party fails to perform its contractual obligations or performs its contractual obligations inconsistently with the agreement, it shall bear the liability. Continue to perform, take remedial measures or compensate for losses and other breach of contract obligations.

Article 578: If one party expressly states or shows by its own behavior that it will not perform its contractual obligations, the other party may request it to bear liability for breach of contract before the expiration of the performance period.