1. The use of working capital loans has always been subject to bank review, but this year the requirements are particularly strict. According to the requirements of three methods and one guideline, the payment of working capital loans is divided into two types: entrusted payment and independent payment, with entrusted payment as the main one. Entrusted payment refers to the direct payment to the buyer who signed the enterprise contract within two working days after the withdrawal of the working capital loan.

2. Working capital loans are issued because of the difficulty of enterprise capital turnover, but banks need to supervise their use and avoid misappropriation. In the past, the misappropriation of floating loans was serious, and there were too many cases of long-term use of short-term loans in the stock market and property market. Therefore, the administrative binding document issued by the central bank requires banks to manage loan funds.