I am engaged in the financial industry, and the CBRC stipulates that loans cannot be bundled for sale, which is illegal. However, for the second-hand lending style of small enterprises or banks, supervision may not be in place. For example, some banks will give extra money to customers in private in order to obtain deposits, which is also illegal.

By the way, if this really happens, your loan will let you buy the fund they collected. You can complain to the banking regulatory bureau.