Legal analysis: 1, recover the loan, reduce the credit line, and investigate the corresponding legal responsibilities. 2. Take the illegal inflow of business loans into real estate and other related issues as an important part of all kinds of inspections, strictly accountability according to law, strengthen joint punishment, and timely incorporate the relevant administrative punishment information of enterprises and individuals illegally misappropriating business loans into the credit information system.

Legal basis: The Notice on Preventing Operating Loans from Illegally Flowing into the Real Estate Sector clarifies that banking financial institutions should sign a letter of commitment on the use of funds when signing a loan agreement with borrowers, clarifying that once the loans are found to be misappropriated in the real estate sector, they will immediately recover the loans, reduce the credit line and investigate the corresponding legal responsibilities.