The borrower's withdrawal of funds shall not be used as a reason to recover the loan in advance because the borrower has the right to control the loan funds independently. According to the Contract Law of People's Republic of China (PRC) and the Consumer Protection Law of People's Republic of China (PRC), the borrower has the right to dispose of the loan funds independently, and the lender may not withdraw the loan in advance on the grounds of withdrawing the borrower's funds. If the lender wants to recover the loan in advance, it must obtain the consent of the borrower, and clearly stipulate the way, conditions, fees and other related matters in the contract. Otherwise, the lender will take back the loan in advance without authorization, which will constitute a breach of contract and bear corresponding legal responsibilities. In addition, the borrower also has the right to refuse the lender's request to recover the loan in advance, and at the same time, he should inform the lender in time when refusing, and complain or report to the relevant departments. If the borrower's rights and interests are infringed, he can bring a lawsuit to the court to safeguard his legitimate rights and interests.