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85问答库 > 银行直存是什么样子的业务？有风险吗？

银行直存是什么样子的业务？有风险吗？

2025-04-07 02:42:30

推荐回答（1个）

回答1：

银行直存款本身是违反银行的规定的。
银行直存款，这个业务的本质是由投资方到项目方指定银行开一个账户，将指定金额存进自己的账户。然后跟银行签定一个协议。承诺该笔钱在规定的时间内不挪用。银行根据这个金额给项目方小于等于同等金额的贷款。如果贷款出现风险，银行以存款为抵押，冲抵掉贷款。
投资方往往在社会上募集资金存款，然后自己拿走贷款做投资。对参与募集自己的个人而言，风险极大。

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