Since the beginning of this year, banks have continuously increased the monitoring of the flow of loan funds, first credit cards, and this time personal business loans. Personal commercial loans are funds that banks give to borrowers for legitimate business activities. However, in the actual use process, personal business loans are frequently misappropriated and the risks are exposed.

In order to prevent operating loan funds from flowing into non-operating fields such as real estate, banks set off a storm of rectification of operating loan funds, and joined hands with regulators to start a thorough investigation of operating loan funds.

Recently, the Agricultural Bank of China issued a notice on restrictions on the use of operating loan funds, saying that according to regulatory requirements, the operating loan funds handled shall not flow into the real estate sector in violation of regulations, including but not limited to: they shall not be used for real estate development or operation, purchase of houses or commercial houses, and other fields and uses prohibited by the state. In violation of the regulations, the loans that have been issued will be recovered, and the loan amount that has not been withdrawn will be reduced or revoked.