Prepayment financing business 1、 Product introduction

"Prepayment financing business" refers to the cooperation between our bank and the seller's core enterprise and the supervisor, based on the real product and/or service transactions between the buyer and the seller through our supply chain finance platform, and/or core enterprise e-commerce platform and/or supervisor's warehouse supervision platform, provide online prepayment financing services to downstream dealers recommended by the core seller with the credit enhancement method of the core seller as the main risk control means. The product can provide credit customers with online ordering, online financing, online mortgage/pledge, online repayment and redemption services.

2、 Applicable customer

Small and medium-sized enterprises with close cooperation with core manufacturers in the industrial chain

3、 Credit line

The maximum amount of single financing shall not exceed 80% of the purchase amount from the seller.

4、 Credit term

The maximum credit term is 1 year.

5、 Product features

(1) It breaks through the traditional financing mode of small enterprises which rely on powerful third-party guarantee and real estate mortgage.

(2) Combination of online and offline. Reduce customer outlet delivery links, and realize automatic data interaction and business collaboration.

(3) The crecit bases on the real trade contract signed by the supplier and the borrower with prepayment requirements.

(4) The purpose of financing is limited to the borrower's purchase of goods from suppliers.

(5) First source of repayment is the goods under the real trade contract and the income generated therefrom.

(6) The borrower's sales proceeds shall be returned to the bank's designated account.

Accounts receivable (pool) pledge financing 1、 Product introduction

It means that the credit applicant gathers the legally owned, qualified and scattered accounts receivable of himself or a third party to form a relatively stable "pool" of accounts receivable balance, and takes the overall balance of multiple accounts receivable in the pool and in the future as the main guarantee means for credit repayment, Our bank provides financing credit business according to a certain proportion of the balance in the accounts receivable pool.

2、 Applicable object

Small and medium-sized supplier enterprises upstream of the buyer's core enterprise transaction chain

3、 Credit line

Provided according to the quality of accounts receivable, the borrower's financial and credit status and other factors. The pledge rate is generally no more than 70%.

4、 Credit term

The maximum credit term is 1 year.

5、 Product features

The borrower applies for financing by pledging multiple qualified accounts receivable as a whole pool, the financing balance has a corresponding relationship with the effective accounts receivable in the accounts receivable pool, and replacement is allowed between each single accounts receivable in the pool. It has the following characteristics:

(1) Based on commercial credit and real transaction

(2) Professional pool model management to revitalize the current assets of enterprises

(3) Recycling of credit line

(4) Simplify operations and reduce costs

(5) Suppliers can query and control the invoice status, billing process and payment collection processing online and in real time

(6) Provide various automatic early warning reminders such as financing and accounts receivable. Customers can effectively prepare funds in advance to avoid overdue situations

Standard warehouse receipt pledge business 1、 Product introduction

It refers to the short-term working capital loan business applied to the bank by corporate customers with standard warehouse receipts as collateral, and the bank grants credit to customers based on a certain pledge rate and pledge price.

The standard warehouse receipt of futures exchange refers to the electronic standard warehouse receipt that meets the unified requirements of Shanghai Futures Exchange, which has been registered and effective, and the delivery warehouse designated by Shanghai Futures Exchange has completed the acceptance and confirmation of warehousing commodities.

2、 Applicable customer

Corporate customers holding standard warehouse receipts of trading varieties included in the "previous standard warehouse receipt trading platform" of Shanghai Futures Exchange

3、 Credit line

The maximum pledge rate of standard warehouse receipts is generally 80%.

4、 Credit term

The maximum credit term is 1 year.

5、 Product features

(1) Standard warehouse receipt pledge business meets the actual needs of enterprises, reduce capital costs and solve financing difficulties.

(2) Standard warehouse receipt pledge business provides more convenient and reliable business channels for enterprises.

(3) Standard warehouse receipt pledge business increases the liquidity of warehouse receipts.