Traditional credit business includes: A. RMB working capital loans B. Fixed asset loans C. Cash-in-transit loans and bill discounting D. Real estate enterprise loans

Traditional Credit Business

Liquidity Loans | Fixed Asset Loans | Term Deposit Note Pledge Loans | Real Estate Mortgage Loans | Pledge Loans for Movable Assets | Bankers' Acceptances | Discounting | Entrusted Loans

Liquidity Loans

are loans granted to satisfy the temporary and seasonal capital needs of customers in the process of production and operation, and to ensure the normal conduct of production and operation activities. The loans are issued to meet the temporary and seasonal capital needs of customers in the course of production and operation to ensure normal production and operation activities. They are categorized into short-term liquidity loans (with a term of less than 1 year) and medium-term liquidity loans (with a term of 1 to 3 years (excluding 1 year and including 3 years)). According to the presence or absence of security can be divided into secured loans and credit loans, of which secured loans are divided into guarantee, mortgage and pledge and other forms.

Liquidity loan conditions

① borrower approved by the business administration (or competent authorities) registered enterprises (business) legal persons, other economic organizations, and in the business or related departments for the annual inspection procedures;

② business projects and capital investment in line with national policy requirements;

③ have a sound financial system, to provide

③ have a sound financial system, can provide true and reliable financial information;

④ in the bank to open a settlement account;

⑤ due to repayment of principal and interest on the economic strength;

⑥ legal property pledge or third-party guarantee;

⑦ in addition to the State Council regulations, limited liability companies and limited liability companies, the cumulative total of investment in foreign equity interests does not exceed 50% of its net assets;

⑧ have a valid "loan certificate";

⑧ the "loan certificate" is a valid "loan certificate". (8) A valid Loan Certificate;

(9) Other conditions required by the bank.

Materials to be provided for the application of working capital loans

① Written loan application and board of directors' resolution agreeing to apply for a loan (if required);

② Articles of Association, Business License, proof of legal representative;

③ Enterprise financial statements;

④ Proof of the purpose of the loan (such as purchase and sale contracts);

⑤ ⑤ Information on guarantees and collaterals;

⑥ Loan Certificate;

⑦ Other information that the bank considers necessary.

Fixed Asset Loan

It is a loan granted to the borrower for the purpose of new construction, expansion, remodeling, acquisition and other fixed asset investment projects.

Pledge Loan for Term Deposit Certificates

It is a kind of loan in which the borrower obtains funds from the bank by pledging the term deposit certificates of the units opened and utilized by the borrower for the pledge loan.

Real estate mortgage loan

It is a kind of loan to obtain funds by using the borrower's or other people's real estate as collateral.

Real estate mortgage loan

It is a kind of loan in which the borrower or another person's real estate is used as collateral to obtain funds.

Real estate mortgage loan

It is a kind of loan in which the borrower or another person's real estate is used as collateral to obtain funds.

Banker's acceptance

refers to an instrument issued by the drawer and accepted by the bank, which promises to pay the face amount of the bill unconditionally to the payee or bearer on the due date of the bill.

Loan conditions

Approved for registration by the administrative authorities for industry and commerce (or competent authorities), enterprises (business) legal persons, other economic organizations and individual business households that meet the requirements set out in the General Principles of Loans and the regulations of the bank.

Borrowers are required to provide information

① banker's acceptance application form;

② note banker's acceptance as a means of settlement of the real commodity transactions or service contracts;

③ drawer's due to pay the bill of funds to prove the source of funds;

④ guarantees, credit (pledge) information;

⑤ the bank requires other relevant information. Other relevant information required by the bank.

Loan Process

Business Application→Business Acceptance→Business Investigation and Review→Business Approval

Discounting Business

It refers to the act of the bearer transferring his legally held unexpired bankers' acceptances or commercial acceptances to the bank, and the bank pays the remaining balance to the bearer according to the coupon amount after deducting the interest of discounting.

Loan conditions

The applicant for discounting is a legal entity and other economic organizations that comply with the conditions set forth in the General Principles of Loans and the credit management system of the bank for the borrower.

Borrowers are required to provide information

① outstanding promissory notes, the discount applicant's corporate legal personality and its relevant legal documents;

② the discount applicant's recent financial statements;

③ Discounting application;

④ Discounting applicant and the issuer of a copy of the contract of commodity transactions and the contract of the value-added tax under the contract Copy of the commodity transaction contract between the applicant and the issuer and the VAT invoice under the contract;

⑤ Other relevant information required by the bank.

Loan Process

Business Application→ Business Acceptance→ Business Investigation and Review→ Business Approval

Entrusted Loan

It refers to a loan that is financed by a principal such as a government department, an enterprise or a public utility unit, or an individual, and is issued by the bank (i.e., the trustee) on behalf of the principal in accordance with the object of the loan, its purpose, amount, term, and interest rate as determined by the principal, and the bank supervises the use of the loan and assists in the recovery of the loan. The loan is recovered.