Refuse, right? It is right to refuse to be sure. After all, without your account, you certainly have nothing. Passed, although it may not happen, it may happen. Therefore, it is better not to live. After all, if the tax really wants to check your account one day, you say that this fund is a real transaction and there is no bill support, which is equivalent to tax evasion; You said that helping a friend to transition involves helping to defraud a loan, especially if your friend can't afford it, and you may be held accountable (although the probability is very low), so for the sake of safety, it is recommended not to lend your business account to others as much as possible.
I understand your question this way. Your friend borrowed 50W from the bank for his personal needs. In fact, because of his personal qualifications, the bank rejected his loan application, which means he can't borrow 50W directly from the bank. So he thought of a way for you to borrow 50W from the bank in the name of your company. The money is a direct loan from the bank to your company in Gong Hu, and then the money arrives. You will transfer this 50W to your friends through other channels. So, that is to say, there are two creditors and debtors. The bank is the creditor of your company, and your company is the debtor of the bank. This is a loan relationship. So, your company is your friend's creditor, your friend is your company's debtor, and here is the loan relationship. These two relationships exist independently. In other words, your friend didn't. Because your company has no money, in order to help your friends, you must ask for a bank loan of 50W in the name of the company. Now you refuse your friend's request, which means you refuse to lend money to your friend directly. It's true. You have no money, you don't need to be fat in the face. Once the loan is successful, if your friend fails to pay you back on time, the bank will not go to your friend for debt collection, but directly to your company. If it is overdue, it will be very unfavorable to your company, and the consequences will be borne by you, with great risks.
I don't think you made it clear.
In order to prevent the funds from flowing back to the borrower's account, the bank requires a third party to pay, and it is not allowed to call the borrower directly. Your friend uses your company for tripartite collection, that is, you are partners A and B, so you need to provide a cooperation contract for the record in the bank, and the bank will give the loan to his partner. You don't have much risk, and the risk is also your friend's financial security risk.
Question: My friend borrowed 500,000 yuan from the bank and wanted to post it from our company, but I refused. Did I do the right thing
As the saying goes, there is no need to harm people, and there is no need to prevent people.
In today's society, many people try their best to cheat. As the old saying goes, fair-weather friends are all over the world, and there are several intimate friends. It is illegal for a friend, not a father and son, to tamper with the company's reputation and help people post loans. In other words, the data of 500,000 yuan is huge, and the funds of 500,000 yuan can be obtained casually, which may only account for 1 of the average. Two-thirds of people simply can't afford 500 thousand.
It was a friend who borrowed 500 thousand from the bank: he could borrow 500 thousand from the bank Why did he post it from the company? The purpose is obvious. After waiting for a while, a triangular account was formed. The bank must have asked the company to repay the loan, but the company didn't get the money. There is a company loan in the bank, which is obviously a triangular account. Then your friend said, I don't owe you money at all. Why should I repay the loan? Can you see it? Do you have my personal evidence? You are a liar. At that time, your grievances and complaints will have nowhere to stretch, which means that you are just shooting yourself in the foot.
According to national laws, it is purely to evade national finance and harm national interests. As you can see, it's a terrible crime, because 500 thousand is not a small sum.
People always say: It's a long way to go, but it's a long way to go in Xiu Yuan.
You did the right thing. Now you can lose at most one so-called friend and keep 50w.
What you may lose after finishing the account is the so-called friend+your 50w.
This is not a problem at all, you are too vigilant! Banks issue loans for specific purposes. Your friend thinks your relationship is reliable and wants to be entrusted with payment and put it into your account, and then return it to his account. You will also encounter this situation in future loans. It's not worth losing a friend for this!
This is the routine, you have the resources to lend hundreds of thousands, and the bank can also lend you repayment ability! Third-party delivery is ostensibly to help, and finding a third party is your business! Don't offend each other! The third party is in charge of the debt! Why is the gourd ladle hanging on the wall and around the neck?
You did the right thing, which is the so-called guarantee. In this world, you have money to help a friend, but no money to encourage him. From your account, you know where his money is spent, and finally you pay him back!
People can't help themselves in the Jianghu.
Of course you did the right thing. You don't want to cheat. You don't want to break the law.
Actually, the idea is not your friend's, but someone's in the bank.
It is not that the bank wants to audit the accounts, but that this special fund is dedicated.
The state's strict control over banks.
For example, housing commodity funds cannot enter the stock market or the housing market.
But you can't apply for a loan if you borrow this money to buy a house or stock market.
At this time, the loan officer will give you advice, and you can use the company's money to run famous products.
It's true, the nominal loan interest rate of the company is still low, and then you have to call the designated partner, such as your friend's company, and then your friend gives you money. From the book, you have a special purpose, but in fact, it finally got into your hands. What you want to do with it is your own business.
Seriously, it's illegal, but in fact many people do it.
Friends with ordinary relationships will definitely help. If you don't help, then you will lose your feelings.
The matter of principle has its own considerations, and you are also responsible for what really happened.
Strictly speaking, the state forbids it, but many people often do it.
Banks also know what customers are doing with money.
But it is forbidden, and the bank still wants you to do it, because good people also do business.
This kind of business is illegal.
This is illegal!
Most people help out of embarrassment, and few people refuse.
You can refuse with confidence, and you will agree if others ask you to break the law.
Everyone knows the truth.
But there are not many that can really be understood.
Loans are directly to the lender's own account, even if it is a corporate loan, it is also to the company account. What do you mean, post it to you? However, whatever the problem, don't do it.