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1、Consolidated
Loan..............................................................................................................................▲Top
The
type of loan is extended to the companies once for all
at the request. And can be rolled over within the period
of time and the amount agreed upon in the loan agreement.
In Mainland China, we first offered this service and
have a lot of experience about that. You can choose
this service to meet liquidity need.
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Features:
①
Consolidate
the methods of financing: Within the facility
different credit need can be met without a separate
application for each.
②
The means of financing is convenient:
Companies can draw down the fund at any time.
③
Reduce
the expenses: It applies to such services as an
application for L/C , shipping guarantee, trading
FX forward, guarantee for foreign debts and the
like. The expenses can be reduced due to no funds
tied up as guarantee.
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2、House
Mortgage Loan.......................................................................................▲Top
The
house buyers mortgage the property to the bank and borrow
up to some percentage of the property value with repayment
by installments in the agreed time. In Mainland China,
we had an early start in offering this service, among
a few other banks. As the buyer, you can use the bank's
funds fully to turn your dream of home into reality.
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Features:
①
Simple
and straightforward application procedures.
②
Up to 70% of the value of the property
can be loaned.
③
The maximum term of the loan is
20 years.
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3、Construction
Loan..............................................................................................▲Top
The
real estate developers mortgage the right of the use
of the land or the property to the bank to apply for
the special loan for building houses. Our bank is one
of the earliest banks that do this business in China,
so we are experienced in this field. As the owners of
the real estate, you can apply for this loan to satisfy
your own need and enjoy our better service.
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Features:
①
Funds assigned for this purpose
only, meet your need for funds during the construction
period.
②
Medium or long-term financing.
③
We rely on our professional knowledge
and rich experience to provide you with the consulting
service for your finance need during the period
of the development.
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4、Deposit
Pledged Loan........................................................................................▲Top
It
is the short-term loan that is pledged against the fixed
deposit. If you are badly in need of money, but to avoid
the interest loss on the fixed deposit, you can
choose service to meet your temporary fund need.
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Features:
①
Meet the temporary fund need.
②
The
rate of the pledge is high and the amount of loan
can reach 97% of that of the fixed deposit.
③
The choice of currency swaps. The
loan may be denominated in the same currency as
the fixed deposit pledged or different from the
fixed deposit pledged.
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5、Loan Pledged against the
Export Drawback...................................................▲Top
The
export company can apply for the short-term loan pledged
against the guarantee of the export drawback.
If you cannot receive the fund of drawback temporarily,
you can ask for this service to meet your fund shortage.
The loan we supply includes special loan and revolving
loan. Special loan is the loan that is provided by single
export drawback. Limited loan means the company can
roll over the loan within the amount agreed upon in
the loan agreement .
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Features:
①
Receive the drawback fund in advance
to accelerate the fund flow cycle.
②
The rate of the pledge is up to
80% of the drawback.
③
The term of the loan is up to one
year
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6、Loan Pledged against Tolls
........................................................................▲Top
The
loan is pledged against the tolls collected on bridges,
roads and other public facilities.
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Features:
You can use the intangible right
of charge as a way of pledge, without other guarantee
terms. It offers you a new option of finance. |
7、Loan Pledged against Shares Held
................................................................................▲Top
Borrowers
use shares as a pledge to apply for finance to the bank.
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Features:
You can use shares as a way of
pledge, without other guarantee terms. It offers
you a new choice of finance. |
8、Packing
Loan .....................................................................................................................................▲TopIt is a kind of pre-shipment
finance that an exporter uses the letters of credit
from overseas banks as a way of pledge and the bank
offers them the loan for the preparation of the goods
under L/C pledged . As an exporter, you can choose this
service to finance the costs of the goods for exporting.
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Features:
①
Offer finance before the shipment
.
②
Finance
is offered up to 70% of the value of letter of credit
concerned.
③
The loan can be extended in the
same currency as that of the L/C or can be changed
into other currency by certain exchange rate.
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9、Import
Loan and Export Negotiation.................................................................................▲Top
Export
negotiation is short-term trade finance. After receiving
the relevant documents and the original L/C issued by
overseas banks, we will check the documents against
the terms and conditions of the L/C. If no discrepancies,
we will effect the payment to the exporter in advance.
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Features:
①
Provide short-term finance to exporters.
②
Offer higher advancement under the
negotiation.
③
High efficiency. If the required
documents are submitted and the procedures are
completed, the negotiation can be finished the
next day after the application.
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10、Forfaiting..........................................................................................................................................▲Top
Forfaiting is the service
that the bank buys the forward draft under the L/C concerned
without recourse. The draft must be accepted by the
issuing bank. In order to meet the cash flow need, our
bank offers you this new trade finance product. You
can recover your capital in advance and transfer the
risk of the trade to the bank. You will have no worry
left.
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Features:
①
Obtain cash Immediately with less
capital tied up and improve the liquidity of the
capital.
②
Effectively
eliminate commercial risk, state risk, exchange
rate risk, interest rate risk and fund transfer
risk etc.
③
The enterprise can deal with the
procedures of export approving immediately and
apply for refundable tax.
④
Once the contract of forfaiting
is signed, the costs will be fixed.
⑤
The enterprise could offer more generous credit
period to the importer, thus make it more competitive.
⑥
Less work and expenses spent on
your asset management and collection of documents.
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11、Overdraft
Facility............................................................................................▲Top
We provide overdraft facility
to the customer who opens a current account in our bank.
You can overdraw under the facility.
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Features:
①
Meet your temporary fund need and
ensure your business operates continually as usual
.
②
Simple and straightforward procedures
, fast service.
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12、Discounting
of Banker's Acceptance
..........................................................▲Top
Our bank provides short-term finance by accepting banker’s
acceptances. It must be a true bank’s acceptance that
expires in some future date. We pay the balance after
charging the interest rate. You can make use of this
product to receive your capital in advance and reduce
opportunity cost of the capital tied up.
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Features:
①
Accelerate
the enterprise’s cash flow
②
The maximum term for discounting
is six months
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13、Off-shore
Loan
.............................................................................................▲Top
We serve the
companies and organizations which registered overseas
(including
Hong Kong, Macao, Taiwan) through the offshore lending
service.
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Features:
Finance can be offered to enterprises
registered overseas ,especially the subsidiaries
of the mainland enterprises |
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