When enterprises borrow money from banks, there are generally two ways to issue loans. One is money with a specific purpose. For example, an enterprise needs a loan because it wants to buy a fixed asset. In this form, banks usually transfer the loan amount to the name of the loan company and then to the seller of fixed assets. Another way is that the enterprise loan itself has no specific purpose, and the bank allocates the money to the enterprise, and the enterprise decides to use it independently. In this case, the enterprise can freely arrange, pay for the goods, withdraw the reserve fund and so on.