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.
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Laws and regulations related to the general principles of loans:
Article 45? The loan investigation and evaluation personnel are responsible for the loan investigation and evaluation, and bear the responsibility of investigation errors and inaccurate evaluation; The loan examiner is responsible for the review of the loan risk, and bears the responsibility for the review error; Lenders are responsible for the inspection and collection of loans, and bear the responsibility for inspection errors and poor collection.
The acquiring institution shall file with the People's Bank of China and its branches at least 30 days in advance to deploy new acceptance terminals, carry out innovative acquiring business and cooperate with overseas institutions to carry out cross-border bank card acquiring business.
Article 43 The lender shall establish a resident loan officer system for large borrowers. When the loan manager is transferred from his original post, he shall audit the loan risks issued during his tenure and within his authority in accordance with relevant requirements.
Baidu encyclopedia-general rules for loans