According to the general principles of loans

Article 20 Restrictions on the Borrower:

1. Loans shall not be obtained from two or more branches at the same level within the same jurisdiction of 1 lender.

Two, shall not provide false or conceal important facts to the lender's balance sheet, income statement, etc.

Three, shall not use loans to engage in equity investment, unless otherwise stipulated by the state.

Four, the loan shall not be used for speculation in securities and futures.

Five, in addition to the borrower who has obtained the qualification to operate real estate according to law, shall not use loans to operate real estate business; Borrowers who have obtained real estate business qualifications according to law shall not use loans to engage in real estate speculation.

Six, not to borrow with loans to seek illegal income.

Seven, shall not use foreign currency loans in violation of the provisions of the state administration of foreign exchange.

Eight, shall not take fraudulent means to defraud loans.

Extended data:

The borrower cooperates with some informal decoration companies, jewelry companies and mahogany furniture manufacturers. And prepare false contract materials or receipts and invoices, which can be successfully approved in the bank. After the bank loan arrives, the lender can negotiate with these businesses, set up a loan, and then use the money to stocks.

You know, after lending, banks will carry out post-loan management, such as China Merchants Bank, and usually monitor loan accounts. Borrowers are usually not allowed to use loans for other purposes. Another example is Bank of Communications, which will be inspected seven days after the loan is issued. If the borrower's loan is found to be used for stock trading, the loan will be recovered immediately.

Baidu encyclopedia-general rules for loans