Risk of irregular use of funds. According to the inquiry of China Travel Service. Com, the main reasons why legal person clearing accounts are not allowed to overdraw are the risk of irregular use of funds and the risk of repayment. Enterprise account overdraft is mainly used to solve the temporary capital demand of customers in the process of production and operation, and may not be used to make up for large and medium-sized and medium-and long-term capital shortage, repay loan principal, pay loan interest and project investment, and may not flow into securities market, futures market and equity investment in any form.