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Products for Corporate Customers

Capitalizing on our comprehensive business portfolio, extensive distribution network in Mainland China and maintains worldwide correspondent banks coverage, we are committed to provide you a broad range and comprehensive trade finance products and services.

 

1. Import

1.1 L/C Issuance 

To protect both the interests of you and your supplier, Letter of Credit (LC) is the best instrument. Per your instruction, we are pleased to issue a LC on your behalf promising to pay after receipt of the documents that complied with the LC.

1.2 Back-to-Back L/C 

As a trade intermediaries, you can extend the payment instrument of your buyer to your supplier by issuing a Back-to-Back Letter of Credit (BBLC). By using BBLC, you can avoid to disclose the identity or details of your ultimate buyer and supplier. Once you provided us the original L/C (called "master L/C"), we will issue another L/C (called "baby L/C") with smaller amount for the same lot of goods to your supplier.

1.3 Inward Bills Collection 

Inward bills collection is a secure, cost effective instrument for trading internationally which allow you to receive goods before making payment. When your suppliers send the documents to us through their bankers, we will release the documents to you when your supplier’s payment terms are being fulfilled.

There are two types of inward bills collection:

Documents against Payment (D/P), where we will release the documents to you against you have fully paid;

Documents against Acceptance (D/A), where we will release the documents to you against your acceptance of the bill of exchange (draft) promising payment at a later date.

1.4 Import Invoice Financing

If you are trading with your supplier on an open account basis, you can also obtain financing from us by presenting your supplier’s invoice. You can pay off the loan at a later date from the sales proceeds of the goods as agreed.

1.5 Shipping Guarantee

Shipping Guarantee enables you to take delivery of the goods prior to the receipt of shipping documents. So whenever the goods arrive before arrival of documents, we can help you to arrange shipping guarantee to take delivery of goods by countersigning the shipping guarantee to the shipping company. This allows you to avoid demurrage charges and possible losses due to deterioration of goods.

1.6 Trust Receipt Loan

Trust Receipt (TR) is a type of short-term import loan to provide you with financing to settle goods imported under Letter of Credit where title of goods is held by the bank. Under this arrangement, you can take possession of goods for sale or further processing and/or obtain shipping documents.

 

2. Export

2.1 LC Advising

Benefit from our extensive distribution network in Mainland China and our worldwide correspondent banking coverage, we are able to receive most of the  LCs issued from your buyers’ bank and provide speedy and reliable LC advising services.

2.2 LC Confirmation

To reduce the credit risk and country risk of the LC issuing bank, you may request your buyers to insert the term “Add Confirmation” in the L/Cs advised by us. After that, we have shared the same responsibilities and obligations as the L/C issuing bank.

2.3 LC Transfer

As a trade intermediaries, once you received a transferable LC, you can request us to issue a transfer LC to your supplier wholly or partially. By using this services, you need not have any banking facilities with us. However, the name of the buyer and that of the supplier must be disclosed.

2.4 Negotiation/ Discount of Export Bills under LC

By using our bills negotiation/ bills discounting services, you can obtain financing and speed up payments to you after shipping the goods. After presenting the shipping and/or financial documents to us, we will negotiate when purchasing a Sight Bill of Exchange and discount when purchasing a Usance Bill Of Exchange upon the documents are in full compliance with the terms and conditions of the L/C.

2.5 Outward Bills Collection

With our Outward Bills for Collection services, you simply present your documents and we will send to your buyer’s bank. Documents will be released to your buyer upon payment or against acceptance: Documents against Payment (D/P), where the presenting bank releases the documents to the buyer only against fully payment; and Documents against Acceptance (D/A), where the presenting bank releases the documents to the buyer against acceptance of a bill of exchange (draft) promising payment at due date.

2.6 Export Invoice Discounting

For doing business with the provision of credit terms to your buyers, you can apply for our export invoice discounting services. By using this banking facility,  we can provide you with a short-term loan against your invoice and evidence of delivery of goods.

2.7 Packing Loan

If you need pre-shipment financing to settle production costs or manufacturing fees after receiving an export LC for your sale of goods. You might want to consider taking up packing loan facilities against the security of the L/C. We can provide you with financing to secure your goods for quick shipment to your buyer for payment.

 

3. Others

3.1 Forfaiting

When the export receivables are guaranteed by your buyter's bank and you want to generate instant cash to relieve your balance sheet and improve your liquidity, you can request us to purchase the receivables. In forfeiting, all of the following risk could be absorbed without recourse or residual liability, i.e. country Risk (Political & Transfer Risk), currency risk, commercial risk and interest rate risk.

3.2 Standby Letter of Credit

Standby letter of credit (included guarantee or bond) give your partners an assurance that you will comply with the terms of the contract/agreement for your payment and performance obligations. They can help to strengthen your bids for new contracts in new markets. A standby letter of credit states that you will with your customers, otherwise your customers will be compensated.