The Interim Measures for the Administration of Personal Loans have corresponding provisions:

Article 38? The lender shall, in accordance with the provisions of laws and regulations and the provisions of the loan contract, hold the borrower liable for breach of contract for failing to provide true and complete information as promised in the contract and failing to use and pay the loan as agreed in the contract.

After the personal loan is paid, the lender shall take effective measures to track, check and monitor the use of loan funds, changes in the borrower's credit and guarantee, and ensure the safety of loan assets.

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Relevant laws and regulations of Interim Measures for the Administration of Personal Loans:

Article 16 Under the premise of not damaging the legitimate rights and interests of the borrower and controlling risks, the lender may prudently entrust a third party to handle certain specific matters in the loan investigation, but the qualifications of the third party must be clarified.

The lender shall not entrust all matters of loan investigation to a third party. The lender shall establish and strictly implement the loan interview system. Where low-risk pledged loans are issued through electronic banking channels, the lender shall at least take effective measures to determine the true identity of the borrower.

Article 17? After accepting the borrower's loan application, the lender shall perform due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.

Baidu Encyclopedia-Interim Measures for the Administration of Personal Loans