This is the case not only if and insofar as payment institutions may hold funds that are difficult to distinguish from deposits , but also with regard to their ability to grant credit financed by money received from the public ( see paragraph 4 of the Annex to the proposed directive ) .
Seda mitte üksnes juhul , kui maksevahendajate valduses on raha , mida on keerukas hoiustest eristada , vaid ka seoses nende võimega anda laenu avalikkuselt vastu võetud raha arvelt ( vt ettepandud direktiivi lisa punkt 4 ) .