1, from the perspective of credit asset security of direct loan issuing banks

Whether each loan is issued or not is the result of the bank's own risk and income measurement. Entrusted payment can better enable enterprises to use funds according to the application purposes, ensure the authenticity of the trade background, make the actual flow of funds easier to meet the pre-assessment of banks, and make the loan repayment ability more predictable.

2. From the perspective of supervision

Banks will not lend because individuals and legal persons can repay loans; These visible hands, such as the role of banks in serving the real economy, the demand for supervision and the demand for macro-control by the People's Bank of China, will put forward many requirements for the flow of financial assets, the manipulation of industries and the safety.

Entrusted payment can prevent loan funds from entering the stock market and illegally entering the housing market, resulting in a bubble. In short, this is a necessary measure to create a financial ecological environment.

3. In practice.

Risk and reward are eternal games and dances. It is also true that many banks will act flexibly according to their own judgment on the ultimate repayment risk and even the liquidity of the second repayment source.

Extended data:

Problems needing attention

It is beneficial to entrust payment.

Entrusted payment helps to improve the quality of loans issued by commercial banks, strengthen the scientific management of the whole process of loans, and is also beneficial to management and truly realize loan management. Commercial banks can upgrade the loan risk management model from extensive to refined.

Game between obvious risk and income balance

First, while reducing the risk of loan misappropriation, it will have an impact on the borrower's income. A person from a commercial bank said that at present, enterprises can withdraw project loans at one time, and whether and how to use them is up to enterprises to decide.

In this case, during the transition period of project construction, the borrower can do some businesses to increase income, such as transferring money to the bank and purchasing wealth management products. However, after adopting entrusted payment, it is impossible for the borrower to withdraw money at one time, and the space for short-term operation will be compressed.

References:

Baidu encyclopedia-bank loan