1. First, keep the corresponding vouchers and bills for the use of funds, so as to explain them to the bank in time.

2. Secondly, once the bank's risk control system detects the illegal use of loans, it is necessary to communicate with the bank at the first time to explain the situation.

Then, in order to avoid affecting your personal credit information and future loan demand, it is best to settle the arrears in advance.

Finally, communicate with your credit manager in time to minimize the risk of recovery.