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 After receiving the written application report, the lender shall immediately review the qualification of the enterprise. For enterprises that meet the requirements in the preliminary examination, the lender shall investigate the authenticity of the materials provided by the enterprise and evaluate the feasibility of closed operation of enterprise loans.

In principle, the enterprise shall be given a formal reply within fifteen working days from the date of accepting the loan application. The SETC may recommend enterprises that meet the loan conditions to the relevant commercial banks, and the commercial banks shall conduct independent examination according to the relevant requirements.

Fifty-fifth enterprises that have made loan commitments, the relevant government departments should actively help implement the closed loan conditions. The fees charged for the evaluation of the assets, collateral and guarantee of the enterprise that has obtained the loan commitment shall be levied by half.

Baidu encyclopedia-general rules for loans