Entrusted payment is a payment method of capital loan, which means that the lender (bank and other financial institutions) pays the loan funds to the borrower's trading partners who meet the agreed purposes according to the borrower's withdrawal application and entrusted payment. 1. The payment method of general entrusted payment is directly related to the purpose of the loan. Under normal circumstances, personal loans and loans under the business scope of large enterprises will involve entrusted payment. 2. Entrusted payment is generally applicable when the amount of a single loan exceeds 5% or more than 5 million yuan of the total amount of the whole project, because this payment method is helpful to improve the quality of loan issuance of commercial banks, strengthen the scientific management of the whole process of loans, and truly realize the transformation of loan management from extensive to refined. 3. The purpose of entrusted payment is to reduce the risk of misappropriation of loans. Simply put, entrusted payment means that the borrowed funds will not be directly distributed to the enterprise, but to the upstream suppliers of the enterprise. 4. Entrusted payment also has certain risks. For example, it is prone to the problem of capital cut-off. If there is a problem with an account, it will make it impossible to transfer money. The main method of entrusted payment is 1. The difference between entrusted payment and independent payment is that the bank will review the use of loan funds before payment, which limits the borrower's use of loan funds. The purpose is to reduce the risk of misappropriation of loans. Its fundamental significance lies in helping commercial banks to strengthen the scientific management of the whole process of loans, improve the quality of loan issuance and truly realize loan management. Commercial banks can strengthen the loan risk management model and develop from extensive to refined. 2. Entrusted Payment In the process of repayment, if the bank finds that the borrower's credit status is declining and its business profitability is declining, the lender should negotiate with the borrower to supplement the loan issuance and repayment conditions, or change the loan payment method according to the contract and stop issuing and paying loan funds. After the loan is paid off, the borrower shall repay the loan on time as stipulated in the contract. There shall be no overdue repayment. Otherwise, it will not only generate penalty interest, but also lead to bad credit reporting.

Second, the difference between collection and acceptance and entrusted collection?

Yes, collection and acceptance only work on the traded goods, and the scope of entrusted collection is very wide. For example, the tax is collected by the tax entrusting bank, so long as the payee entrusts the bank to collect money from the payer, any settlement method can be adopted.

Third, the difference between independent payment and entrusted payment

The difference between entrusted payment and independent payment;

1. Entrusted payment means that users need to declare and apply to the bank before using funds. If the application is passed, they can use it, but if the application is not passed, they cannot use it.

Second, independent payment means that users do not need to ask banks and third parties before using loan funds, and users can use them independently and the direction of payment must be consistent with the contract, otherwise banks and third-party financial institutions have the right not to issue loans and collect loans in advance.

Entrusted payment means that the lender (legally established banking financial institution) pays the loan funds to the borrower's transaction object according to the borrower's withdrawal application and payment entrustment, so as to reduce the risk of loan misappropriation. The application for entrusted payment is: the loan fund sheet exceeds 5 million yuan. It is helpful to improve the issuance and management quality of commercial banks, and can truly realize the loan risk management model from extensive to refined. Self-payment is for the borrower's own use, and there is no need to use the loan in advance at any time without the bank's approval contract.

1. Is there any risk in the third-party entrusted payment of bank loans?

Third-party entrusted payment means that the bank entrusts a third party to supervise whether you use the loan according to the purpose or whether there is data leakage; There is a risk of cashing in the deposited funds; Personal privacy and consumer rights protection risks. According to Article 33 of the Measures for the Administration of Payment Services of Non-financial Institutions, payment institutions shall keep the business secrets of customers according to law, unless otherwise stipulated by laws and regulations.

2. The harm of entrusted payment.

Dismantling parts to avoid entrusted payment. Within the payment limit, the credit funds are divided into multiple transactions and transferred to the same counterparty account in a short time, so as to avoid the lender's credit funds; Providing false purchase and sale contracts for entrusted payment. Some credit cooperatives are not strict with borrowers. Some borrowers only provide false purchase and sale contracts to lenders for entrusted payment, which leads to the misappropriation of credit funds.

4. What's the difference between entrusted payment and entrusted payment?

Entrusted payment refers to a payment method of loan funds, which means that the lender (a legally established banking financial institution) pays the loan funds to the borrower's transaction object according to the borrower's withdrawal application and payment entrustment, so as to reduce the risk of loan misappropriation. Non-commissioned payment is the opposite.

Entrusted payment is a common payment method when conducting transactions. The characteristic of this payment method is that the bank will take into account the actual needs of the borrower, and then directly pay the loan funds to the borrower's transaction object that meets the contractual purpose. At present, the situation of entrusted payment is as follows: the single amount of loan funds exceeds 5% of the total investment of the project or exceeds 5 million yuan.