Introduction：

Fulfill the normal fund requirements during the process of management to the clients who have managerial entity.

Feature：

◆ The maximum term of the loan shall not exceed ten years.
◆ Borrower’s consolidated operating income used for repayment
◆ Repayment method is flexible and varied. In general, it is determined by the loan terms.
◆ 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
● Unsecured loans

Borrower Criteria：

◆ Borrowers include domestic residents, individuals from Hong Kong, Macao, and Taiwan, and foreign nationals, as well as major (controlling) individual shareholders and partners of individual businesses and sole proprietorships approved and registered in accordance with the law, limited liability companies/joint stock limited companies, and partnership enterprises.
◆ The borrower or his spouse is a shareholder of the loan using enterprise, with a shareholding ratio of 50% or more, or the actual controller of the enterprise (excluding individual businesses and farmers)
◆ The borrower has more than one year of industry experience; The borrower has a fixed business premises in the city where the handling bank is located and has been operating continuously for at least one year (including)

Loan Contract：