The intermediary bank said that the loan requires a third-party account to collect money. If you can't find the payee, you can't. Loans should be provided to third parties, and the reason why loans in banks should be transferred to third-party accounts is mainly to prevent the abuse of loans. When making a loan, the bank needs the lender to provide the loan purpose certificate before issuing the loan money, but the premise of issuing the loan money is that the lender submits the loan purpose certificate, and the bank cannot obtain the loan purpose certificate from the lender when making a loan, so it cannot transfer the loan to the lender's account. At this time, we need a transitional account, that is, a third-party account, to transfer the money to a third party, and then the third party will transfer the money to the lender. It is suggested that lenders must choose trustworthy people when looking for third-party transitional accounts. Therefore, the intermediary bank said that the loan needs a third-party account to collect money, and there is no way to find the payee.