The core of the fund payment and settlement system of foreign-invested enterprises is that they must be used for normal purposes within the approved business scope. The RMB funds settled by funds can be used to repay RMB loans, but they can also be used to repay private loans of enterprises in practice. When applying for settlement of foreign exchange, you should provide the loan agreement and relevant supporting materials, such as invoices, for the purpose of the borrowed RMB! In this regard, experienced foreign exchange inspectors will not consider it illegal! Remember, the most important thing is the authenticity of the transaction! Don't think crooked ways, provide false materials to deceive banks to achieve the purpose of foreign exchange settlement. If it is false, the foreign exchange bureau will extend the inspection, and once it is verified, it will be punished by illegal use of foreign exchange! In addition, the reserve fund has a clear scope. Never settle foreign exchange continuously in the name of reserve fund, otherwise it will be regarded as evading foreign exchange management policy! Banks and enterprises will be punished.