Operating loans to third parties are actually entrusted payments. According to the borrower's withdrawal application and payment entrustment, pay the funds to the borrower's transaction object that meets the purpose agreed in the contract. This is mainly to ensure the safety of loan funds, reduce the risk of misappropriation of loans and avoid being defrauded.

If you are worried that the other party will not give money after the funds are loaned to a third-party account, you can find a formal guarantee company or a third-party company, so the insurance is higher.

Not only commercial loans, but also other loans will be provided to third parties. For example, personal housing loans, funds are usually directly allocated to developers; There is also a house decoration loan, and the funds will be directly loaned to the account of the decoration company. This is also to ensure the authenticity of the loan funds, so that banks can monitor the whereabouts of the loan funds.

If you call the borrower directly, but the borrower doesn't use the funds for the purposes agreed in the contract, the bank may find that there is fraud in the post-loan management process, or it may recover the loan.