Fulfill the normal fund requirements during the process of management to the clients who have managerial entity.
Categories：Internal and external credit and financing business include all kinds of loans、trade financing、discount、factoring、loan commitment、guarantee、letter of credit、acceptance of checks、corporate account overdraft、and fund products.
Feature：◆ One year period in general depends on different kinds of products and demands. General working capital loan period is 1 year
◆ Borrower’s consolidated operating income used for repayment
◆ Repayment method is determined by product. In general, working capital loan interest should be paid monthly and redeemed at mature
◆ Guarantee methods include：
● Property mortgage
● Professional mortgaging company guarantee
● Pledge guarantee
● Personal/corporation property mortgage、pledge guarantee + professional mortgaging company guarantee or third party company guarantee
● Batch model / supply chain model + professional mortgaging company guarantee or third party company guarantee
◆ Unincorporated enterprise with non-corporate business license and loan card
◆ Business entity client and unincorporated client with independent financing rights, which are proprietorship and joint venture among private enterprise holding 《Business License for Individual Proprietorship》 and 《Business License for Joint Venture》 issued by the Industry and Commercial Department, with annual income no more than RMB 300 million in general.
