Legal analysis: the loan funds have been transferred to the third party, and the third party has been transferred to the borrower. In this case, the third party lends to the lender in the form of bank loan, as long as the loan contract is repaid.

Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.