Legal analysis: It is illegal for loan funds to become shareholders. According to the relevant laws and regulations of our country, it is forbidden to engage in equity investment with loans, unless otherwise stipulated by the state. In 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: the loan is not used for the purpose agreed in the loan contract; Use loans for equity investment; Use loans to engage in securities and futures speculation.

Legal basis: Article 71 of the General Principles of Loans: In any of the following circumstances, the lender will charge interest on part or all of its loans; 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, use loans for equity investment;

3. Loans for engaging in speculative business in securities and futures;

Four, the borrower who has not obtained the qualification of real estate business according to law uses the loan to operate the real estate business; Borrowers who have obtained real estate business qualifications according to law engage in real estate speculation with loans;

Five, not according to the provisions of the loan contract to pay off the loan principal and interest;

6. Borrowing money from each other to obtain illegal income.