This is because you have applied for a mortgage loan with the postal property certificate, and it is also a large operating loan. The bank stipulates that operating loans must be earmarked for special purposes, which means that you must use them according to the purpose and also cooperate with them. You sign an entrusted payment agreement, and the bank first transfers the money to your account, and then supervises you to send the money directly to the seller (although it is not a real seller). In this way, the bank can get rid of the money and you There is no fact that it is used according to the purpose, and they have completed their plan of earmarking funds to support specialized industries. However, this is all cover-up. The money is all yours and is just transferred to the account. Later, you can transfer it back to your account in cash or Use cash directly.