Please talk about the management requirements of personal loan payment in commercial banks in combination with the new loan regulations, and under what circumstances, independent payment can be adopted. (1) According to the loan contract, the lender manages and controls the payment of loan funds by means of entrusted payment by the lender or independent payment by the borrower.

(2) Before the loan funds are released, the lender shall examine whether the relevant transaction materials and vouchers of the borrower meet the conditions agreed in the contract, and record the relevant details after payment. The lender shall verify whether the loan payment meets the agreed purpose through account analysis, voucher inspection or on-site investigation.

(3) If the payment is entrusted by the lender, the lender shall require the borrower to apply for payment when using the loan.

And authorize the Lender to pay the loan funds in the way agreed in this Contract. After the entrusted payment is completed, the lender shall record the flow of funds in detail and collect and keep relevant vouchers.

(4) The Interim Measures for the Management of Personal Loans stipulates that the borrower's independent payment mainly includes: ① The borrower cannot determine the specific transaction object in advance and the amount does not exceed RMB 300,000. ② The counterparty of the borrower does not have the conditions to effectively use the non-cash settlement method. (3) the loan funds are used for production and operation and the amount does not exceed 500,000 yuan. (4) Other circumstances stipulated by laws and regulations.