新贷款支付模式对贷款的发放、支付及贷后管理都提出了新的职责要求,新贷款支付模式是我国银行业贷款风险监管的一项长期制度。其目的并非限制客户的用款需求,亦非纯粹增加客户、银行的操作成本,而是为了使贷款支付与借款人实际需求相匹配,通过重点调整支付行为以保证贷款资金安全,专款专用。面对贷款支付方式的变革,我们可以从以下几个方面进行应对。 The new loan payment model has put forward new responsibilities and requirements for the issuance, payment and post-loan management of loans. The new loan payment model is a long-term system of banking loan risk supervision in China. The purpose is not to limit the demand for customers’ money, nor to simply increase the operating costs of customers and banks. Instead, it aims to match the loan payment with the actual demand of the borrower and to ensure the safety of loan funds through earnest adjustment of the payment behavior. The face of changes in the way loans are paid, we can deal with the following aspects.