中小企业贷款受托支付采用网上审批方式的构想
发布时间：2018-10-13 15:44
【摘要】：受托支付具有易被突破、资金流向难以掌控等问题。本文建议商业银行受托支付采用网上审批方式,其流程是:授予信贷额度,借款人提交受托支付申请,交易款项划入监管账户,借款人提交贷款用途证明材料,银行审批同意支付,款项转入收款人账户。最后,本文认为银行需要获得可靠的资金用途证明材料来规避审批风险。
[Abstract]:Fiduciary payment is easy to break through, the flow of funds is difficult to control and so on. This paper suggests that commercial banks should adopt online approval method for fiduciary payment. The procedure is: granting credit line, submitting fiduciary payment application from borrower, transferring transaction amount to regulatory account, and submitting proof of loan purpose. The bank approves the payment and transfers the money to the payee account. Finally, this paper argues that banks need to obtain reliable proof of the use of funds to avoid the risk of approval.
【作者单位】： 中国建设银行河南省分行;
【分类号】：D922.281
，
本文编号：2269145
[Abstract]:Fiduciary payment is easy to break through, the flow of funds is difficult to control and so on. This paper suggests that commercial banks should adopt online approval method for fiduciary payment. The procedure is: granting credit line, submitting fiduciary payment application from borrower, transferring transaction amount to regulatory account, and submitting proof of loan purpose. The bank approves the payment and transfers the money to the payee account. Finally, this paper argues that banks need to obtain reliable proof of the use of funds to avoid the risk of approval.
【作者单位】： 中国建设银行河南省分行;
【分类号】：D922.281
，
本文编号：2269145
本文链接：https://www.wllwen.com/falvlunwen/jingjifalunwen/2269145.html
