The "general principles of loans" have corresponding provisions:

Article 71 Under any of the following circumstances, the lender will charge interest on part or all of the loan: if the circumstances are particularly serious, the lender shall stop paying the unused loan of the borrower and recover part or all of the loan in advance:

1. Failing to use the loan for the purpose specified in the loan contract.

Second, the use of loans for equity investment.

Third, engage in speculative business with loans in securities and futures.

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Laws and regulations related to the general principles of loans:

Article 61? The lender shall set up an independent responsible department or post to be responsible for loan payment review and payment operation. If the payment is entrusted to the Lender, the Lender shall examine whether the transaction materials meet the conditions agreed in this Contract.

After the loan is approved, the bank will directly transfer the loan to the borrower's account and pay by itself. Under the "real loan and real deposit" mode, the withdrawal and repayment of credit funds are carried out by borrowers, and the whole fund issuance and withdrawal are in the same banking cycle.

Article 62? After approval, the loan funds will be paid to the borrower's transaction object through the borrower's account. In the case of payment by the borrower, the lender shall require the borrower to regularly summarize and report the payment of loan funds, and verify whether the loan payment meets the agreed purpose through account analysis, voucher inspection and on-site investigation.

Baidu encyclopedia-general rules for loans