No, unless you report it yourself, banks generally won't check it, as long as you don't borrow money directly from banks or tx.

For credit cards, banks generally don't check you. The use of funds is your freedom, as long as you control the risks and repay on time. Although it is not allowed in the rules, it will not be found at present, and there is no case of punishment for consumer loans into the stock market.

The regulatory order requires banking financial institutions to strengthen control over the use of personal consumption loans, ensure that the use is consistent with the contract, and prohibit loan funds from illegally flowing into investment fields such as the stock market and the property market. If there is any violation, the bank will recover the loan! After the bank funds are released, you must avoid the accounts of the mortgagor and the borrower! The main transfer methods are as follows:

The beneficiary divides the funds into 2-3 parts and transfers them to 2-3 cards of A. After the beneficiary changes the amount, he divides the funds into 2-3 parts and 3 different amounts. ? B's card is also being transferred to C's card and then returned to his account.

Remember that the card of ABC III cannot pass the CCB card! It cannot be the account of oneself, spouse and their immediate family members. It is best to have the account number of a friend or colleague.

Finally, the account that finally returns the funds shall not be used to build a bank card.

If the loan is from CCB, I can definitely tell you that it will be investigated, because the system monitors you, which means that all your cards in CCB will be monitored. Once the loan funds flow into real estate, investment and wealth management, the system will prompt you to settle the loan in advance.

In daily life, tort is often caused unconsciously. It is recommended to change a bank card for consumption. If you are not at ease, you can take out the loan and deposit it in another bank. From the perspective of supervision, bank loans and various loans are not allowed to flow into the stock market. The inflows are all bank loans, which have nothing to do with the money of ordinary people in the bank. The security of your funds in the bank depends on the credit and risk control ability of your bank. At present, most of these banks are safe in China. ? , so there is no need to take it out. Besides, where did you take it out? ? !

But you have a loan, you can use it freely, and others can't find you unless you surrender.

Will you check the stock market with a bank loan?

Yes, the punishment will be very serious.

Many people think that the money lent to them by the bank is their own money, and they can spend it as they want. It's actually wrong. There are unique rules for bank loans.

Borrowing money from banks for stock trading violates the bottom line of bank loans. Banks are not allowed to borrow money from capital for stock trading, and the loan contract will also indicate the purpose of borrowing money from capital banks. It is strictly forbidden to be used for high-risk investments such as stock trading, and banks will not lend.

Moreover, many bank loans have agreements, so you must read them carefully before applying. If the Bank of Communications loan is clearly stipulated in the user agreement, [it shall not be used in production, operation, investment and other fields (including but not limited to equity investment such as house purchase, stocks and futures)].

If stocks are found, according to the regulations, the bank will immediately cancel the customer's loan quota and immediately cancel the installment business of all loans or credit cards under this user name. It is necessary to immediately settle the amortized installment principal and installment expenses of the remaining installments. If discovered, it is almost impossible to pay off all debts suddenly, and overdue credit is almost certain. And there may be the following detailed penalties.

1. Freeze the line. Whether it is a credit card or a loan turnover limit, it will be frozen immediately to prevent you from taking it out and continuing to stock.

2. Repayment. The average person will pay off the loan in installments, and once you find out that you are trading stocks, you will be asked to pay it off immediately.

3. "blacklist". It is more difficult to apply for a credit loan next time, and providing mortgage guarantee may be successful.

In fact, not only banks, but also other lending software have corresponding regulations. At present, Article 2 1 of the General Rules for Loans stipulates that loans shall not be used for equity investment, and loans shall not be used for securities, futures and real estate speculation. Therefore, if it is a stock loan, no matter what the conditions, it will not be offered.

Therefore, if you have ever had the idea of borrowing money from the bank for stock trading, I suggest you give it up as soon as possible, even if you borrow money from relatives and friends for stock trading, it is not feasible. Stock trading is a high-risk investment behavior, which needs to be done according to one's ability. We need to invest with spare money that we don't usually use.

Will personal credit loans be discovered when they enter the stock market? How to avoid being discovered! Does anyone do this?

This is likely to be discovered.

If the purpose of the loan is agreed, you will be regarded as misappropriating the loan, and the bank has the right to recover it in advance and ask you to bear the corresponding liability for breach of contract.

There are generally two methods: one is interbank trading; The second is cash deposit and withdrawal. The former increases the difficulty of inquiry, but there are still accounts to check, and you can check to see if anyone pays attention to you; The latter is not recorded, but large cash deposits and withdrawals may be regarded as suspicious xq.

The transaction is concerned.

If the quantity is small, no one will pay attention to you Large sums of money are bound to attract attention.

BTW, it is suggested not to borrow money to invest in the stock market, which is more risky than misappropriating loans.

Extended data:

Matters needing attention in buying and selling stocks:

1. At the beginning of the market decline, if the share price of a stock does not fall deeply and the lock is not deep, it should be sold immediately. This time tests whether investors can make decisive decisions and have decisive psychological quality. Only by selling decisively in time can we prevent the loss from further expanding.

2. If the stock price has experienced a rapid decline, the effect of killing the stop loss in panic is limited. After experiencing a deep and rapid decline, the stock market is easy to rebound. You can grasp the rhythm of stock price operation and sell when the market rebounds.

3. In the market where the general trend continues to be weak, we will resolutely sell when we see the abnormal trend. If there is an abnormal trend in the stock held, it means that the stock may have a big decline in the future. For example, stocks with unusually high late trading are sold decisively. The more you use the pull-up action in the late session, the more it shows that the main funds have reached the point where they are unable to support the market.

4. The mainland stock market has not yet launched a short-selling mechanism, and investors can only take passive short-selling methods. When the market falls, they will sell the stocks first, and then buy them back after falling to a certain depth, so as to obtain the price difference and reduce the cost.

When the stock market falls to the bottom of a certain stage, you can sell it by covering the position, because the stock price at this time is far from your buying price, and if you sell it forcibly, the loss will often be greater. You can make up the position appropriately to reduce the cost, and then sell on rallies when the market picks up. This selling method is suitable when the market decline is coming to an end.

Will loan stocks be discovered?

It is illegal to use bank loans for stock trading. According to the existing policy, loan funds should be paid and used according to the purposes agreed in the loan contract, and should not be used for other purposes, and should not be used for equity investment such as real estate development, house purchase (except housing mortgage loans), stocks and wealth management products.

Tips: The above contents are for reference only.

Reply time: 202 1-08-09. Please refer to the latest business changes announced by Ping An Bank in official website.

[I know Ping An Bank] Want to know more? Come and watch I Know Ping An Bank ~