Entrusted payment by the lender means that the lender pays the loan through the borrower's account to the borrower's transaction object that meets the purpose agreed in this contract according to the borrower's withdrawal application and payment entrustment.
The borrower's independent payment means that after the lender pays the loan funds to the borrower's account according to the borrower's withdrawal application, the borrower pays it to the borrower's transaction object that meets the purpose agreed in the contract.
The lender shall, according to the borrower's industry characteristics, business scale, management level, credit status and other factors and loan business types, reasonably agree on the payment method of loan funds and the amount standard entrusted by the lender.
Working capital loans under any of the following circumstances shall, in principle, be paid by the lender:
(1) Newly established credit business relationship with the borrower, and the borrower's credit status is general;
The payment object is clear and the single payment amount is large;
(3) Other circumstances identified by the lender.
If the lender entrusts the payment, the lender shall check whether the information such as the payment object and the payment amount listed in the payment application provided by the borrower is consistent with the corresponding business contract and other supporting materials according to the agreed loan purpose. After approval, the lender will pay the loan funds to the borrower's transaction object through the borrower's account.
If the borrower pays by itself, the lender shall require the borrower to regularly summarize and report the payment of loan funds according to the loan contract, and verify whether the loan payment meets the agreed purpose through account analysis, voucher inspection or on-site investigation.
In the process of loan issuance, if the borrower's credit status declines, the profitability of the main business is not strong, and the loan funds are used abnormally, the lender should negotiate with the borrower to supplement the loan issuance and payment conditions, or change the loan payment method and stop the loan funds.
Legal basis: Interim Measures for the Administration of Working Capital Loans.
Article 24 Before granting a loan, the lender shall confirm that the borrower meets the withdrawal conditions agreed in this contract, manage and control the payment of loan funds by means of entrusted payment by the lender or independent payment by the borrower in accordance with this contract, and supervise the use of loan funds according to the agreed purposes.
Entrusted payment by the lender means that the lender pays the loan through the borrower's account to the borrower's transaction object that meets the purpose agreed in this contract according to the borrower's withdrawal application and payment entrustment.
The borrower's independent payment means that after the lender pays the loan funds to the borrower's account according to the borrower's withdrawal application, the borrower pays it to the borrower's transaction object that meets the purpose agreed in the contract.
Twenty-fifth lenders should be based on the characteristics of the borrower's industry, business scale, management level, credit status and other factors and the type of loan business, and reasonably agree on the payment method of loan funds and the standard of the lender's entrusted amount.
Twenty-sixth working capital loans in any of the following circumstances, in principle, should be entrusted by the lender to pay:
(1) Newly established credit business relationship with the borrower, and the borrower's credit status is general;
The payment object is clear and the single payment amount is large;
(3) Other circumstances identified by the lender.
Article 27 If the payment is entrusted by the lender, the lender shall, according to the agreed purpose of the loan, check whether the payment object, payment amount and other information listed in the payment application provided by the borrower are consistent with the corresponding business contract and other supporting materials. After approval, the lender will pay the loan funds to the borrower's transaction object through the borrower's account.
Article 28 If the borrower pays by himself, the lender shall require the borrower to regularly summarize and report the payment of loan funds according to the loan contract, and check whether the loan payment meets the agreed purpose through account analysis, voucher inspection or on-site investigation.
Article 29 In the process of loan issuance, if the borrower's credit status declines, the profitability of the main business is not strong, and the loan funds are used abnormally, the lender shall negotiate with the borrower to supplement the loan issuance and payment conditions, or change the loan payment method or stop the loan funds issuance and payment according to the contract.