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 35? Lenders issuing loans or accepting deposits in different places shall report to the local branches of China People's Bank for the record. Credit funds shall not be used for fiscal expenditure. Enterprises shall not handle lending or disguised lending financing business in violation of state regulations.

For major economic activities involving the use and safety of credit funds, such as enterprise separation, shareholding system reform and major project construction, the borrower shall solicit the opinions of the host bank in advance. The host bank should change with the changes in basic account.

Article 36? Any unit or individual that forces a bank to issue loans or provide guarantees shall, in accordance with regulations, give disciplinary sanctions to the directly responsible person in charge and other directly responsible persons or individuals, and shall bear all or part of the liability for compensation if economic losses are caused.

Baidu encyclopedia-general rules for loans