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.

Four, not according to the provisions of the loan contract to pay off the loan principal and interest.

The fifth is to borrow money from each other to obtain illegal income.

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Laws and regulations related to the general principles of loans:

Article 54 The lender shall participate in the identification of the bankrupt property of the borrower and the handling of creditor's rights and debts according to law. The bankrupt borrower has set up the loan creditor's right of property mortgage, pledge or other guarantee, and the lender enjoys the priority of compensation according to law.

Continuously monitor all loan lines and their usage of the signatories of the business card contract in our bank, regularly check the authenticity and applicability of the business card-related transactions, and prevent fraudulent transactions from obtaining working capital loans.

Article 55 To establish and improve the post responsibility system for credit work, loan management departments at all levels should implement the management responsibilities of all aspects of loan management to departments, posts and individuals, and strictly divide the responsibilities of credit personnel at all levels.

Baidu encyclopedia-general rules for loans