1. Enterprises can borrow money from specific individuals. According to the General Principles of the Civil Law, under normal circumstances, mutual lending between citizens and enterprises belongs to private lending, which is permitted by law. As long as the intentions of both parties are true, it can be considered as valid. 2. Borrowing from an unspecified person may be considered as illegal fund-raising and may be investigated for administrative and criminal responsibility. Absorbing public deposits and issuing loans are the business scope of commercial banks. According to the law, the establishment of commercial banks should be examined and approved by the banking regulatory agency; Without the approval of the banking regulatory agency, no unit or individual may engage in commercial banking business such as absorbing public deposits. Enterprises raising working capital from the public must meet the conditions prescribed by law and go through the formalities prescribed by law. Otherwise, it is illegal and the perpetrator may even be punished by criminal law. 3. Loans between enterprises are currently prohibited by the General Principles of Loans, and there are clear administrative penalties. Although this provision is only an administrative regulation and unreasonable, it still has legal effect. Extended data:
Lending between citizens and non-financial enterprises (hereinafter referred to as enterprises) belongs to private lending. As long as the meaning of both parties is true, it can be considered as valid. However, in any of the following circumstances, it shall be deemed invalid: (1) the enterprise illegally raises funds from employees in the name of borrowing; (two) enterprises illegally raise funds from the society in the name of lending; (3) Enterprises issue loans to the public in the name of loans; (four) other acts in violation of laws and administrative regulations.