Independent payment means that the borrower can use the loan funds without the approval of the bank, but if the borrower uses the loan funds in violation of the loan contract, the bank has the right to collect them in advance at any time. Compared with the "independent payment" method, the biggest difference of the lender's "entrusted payment" is that "the bank's audit on the use of loan funds" is added before the loan is issued, thus tying the loan funds and loan purposes together. This kind of binding will limit the borrower's "free" use of loan funds, thus effectively solving the problem of misappropriation of loan funds.