I. What does fiduciary payment mean?

Through online inquiry, it can be seen that the fiduciary payment is a payment of loan funds, refers to the lender (established by law, financial institutions banking) according to the borrower's application for withdrawal and payment of entrusted to pay the loan funds to comply with the contractual agreement on the use of the borrower's transactions with the object of the purpose of the loan, in order to minimize the risk of loans being misappropriated.

Possibly so that many people are not too clear, to give you an example to illustrate.

Zhang San opened a toy factory to make metal toys toy factory.

Li Si opened a metal factory, producing metal raw materials.

The raw materials needed by Zhang San's toy factory were imported from Li Si's factory. One day, Zhang San receives a large order for a large amount of metal raw materials. Zhang San now needs to find a bank loan to pay for the cost of raw materials to Li Si. Zhang San goes to the bank for a loan, and after the bank approves the loan, it transfers the loan directly to Li Si's account. Li Si gives the raw materials to Zhang San and Zhang San pays back the loan. This is a simple process of fiduciary payment.

The fiduciary payment is common for large loans. Generally business loans are paid in trust, more commonly home mortgages. Some banks' credit loans are also paid in trust.

The main purpose of a fiduciary payment is to prevent the diversion of loan funds for other purposes.

Normally when you go to a bank to apply for a loan, there are formal purposes for the loan, such as buying a car, traveling, consumption, renovation and so on. But the bank for the flow of loan funds is more difficult to monitor, some people violate the use of loan funds into the property market or stock market, the bank is difficult to control. The use of fiduciary payment can effectively solve this problem.

Second, what is the meaning of entrusted payment

It is a payment method of loan funds. Refers to the lender (legally established financial institutions banking) according to the borrower's withdrawal application and payment entrusted to pay the loan funds to meet the contractual purposes of the borrower's transactions with the object of the purpose of the loan, in order to reduce the risk of loan misappropriation. To illustrate with an example. Zhang San opens a toy factory that makes metal toys. Li Si opens a metal factory that produces raw metal materials. The raw materials needed by Zhang San's toy factory are imported from Li Si's factory. One day, Zhang San receives a large order for a large amount of metal raw materials. Zhang San now needs to get a bank loan to pay Li Si for the raw materials. Zhang San goes to the bank for a loan, and after the bank approves the loan, it transfers the loan directly to Li Si's account. Li Si gives the raw materials to Zhang San and Zhang San pays back the loan. This is a simple process of fiduciary payment.

Three, fiduciary payment and non-fiduciary payment is what it means

Fiduciary payment is a kind of payment of loan funds, refers to the lender (legally established banking financial institutions) in accordance with the borrower's application for withdrawals and payment of entrusted to the borrower's transaction object in line with the contractual purpose, the purpose is to reduce the risk of misappropriation of the loan. Non-fiduciary payment is the opposite.

Trusted payment is a payment method that is often used when carrying out a transaction, which is characterized by the fact that the bank will pay the loan funds directly to the borrower's counterparty who conforms to the contractually agreed purpose at the request of the borrower. Fiduciary payment is currently applicable when the single amount of loan funds exceeds 5% of the total project investment or exceeds RMB 5 million.

Four, payday loans have been played to the bank card a few days did not take it disappeared. What's going on?

Internet banking recharge this requires you to have opened the online banking card and then click on the account settings in your CaiPuTong and then set up a withdrawal account and then fill out the details point recharge can be if your bank card is not in the bank counter for online banking business but through the independent in the online opening of the network is also non-signing user in this way if you If you are using Cai Fu Tong in pat on the amount of transactions per day is limited then all you have to do is to your bank card to do in the bank for the official online banking business can be