实贷实付原则作为贷款支付管理的一项重大变革,在我国银行业的运行中已经取得了明显的成效。但其实际执行中还存在一定的难点,集中体现在电子支付渠道管理、集团客户资金管理、化整为零逃避监管和伙同倒账逃避监管等方面,银行业机构和借款人应切实树立合规和法律意识,对其加以有效防范和管理。 As a major change in loan payment management, the principle of real loan payment has achieved remarkable results in the operation of China’s banking sector. However, there are still some difficulties in its implementation, which are mainly embodied in the aspects of electronic payment channel management, group customer fund management, zeroing out of regulation and escalation of supervision in conjunction with reimbursement of bankruptcy. The banking institutions and borrowers should earnestly establish compliance And legal awareness, to be effective prevention and management.