The borrower pays the transaction object independently. According to the Measures for the Administration of Fixed Assets Loans, if a single payment exceeds 5% or 5 million yuan of the total investment, the lender shall be entrusted to pay. There are two ways to pay loan funds: one is to entrust the lender (bank) to pay, and the lender will pay the funds to the borrower's transaction object for the agreed purpose; One is the borrower's independent payment, which is paid by the borrower to the transaction object. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.