Because, entrusted payment means that the borrowed funds are not at the disposal of the consumer himself, thus formally avoiding the risk of customers misappropriating credit funds, realizing the exclusive use of borrowed funds, and complying with the CBRC’s requirements for loan purposes. monitor.

The most obvious example of entrusted payment is the use of credit cards. Consumers use credit cards and then let the bank provide the consumer's loan to the merchant, and they will only repay the principal and interest to the lending institution in the future. This model is entrusted Pay. Non-entrusted payment means autonomous payment, that is, the loan funds can be used by the borrower without bank approval. However, if the borrower violates the contract, the bank has the right to collect it in advance at any time.