●产品简介

备用信用证/保函担保人民币贷款是指由境外金融机构或境内外资金融机构提供以我行为受益人的备用信用证或保函作为担保，由我行向贵公司发放的人民币贷款。如果贵公司不能按期偿还贷款，我行可根据备用信用证/保函的条款向担保行索偿款项。 ●适用对象 外商投资企业 ●办理程序

1、贵公司如有此类贷款需求，首先要选择一家资信较好的银行（可以是国外银行或外国银行在国内的分行）作为担保银行，该银行作为我行贷款的担保银行必须经我行确认符合条件。担保形式包括备用信用证和保函两种，担保币种主要是美元、欧元、日元、港元、英镑等自由兑换货币。

2、贵公司需向我行提供以下资料申请贷款： ① 企业营业执照复印件； ②企业代码证复印件； ③外经委批文复印件； ④流动资金借款申请书； ⑤借款人董事会决议书；

⑥法人代表人护照或身份证复印件； ⑦公司章程； ⑧财务报表。

3、经我行审批同意后，贵公司通知担保行向我行开立备用信用证/保函，注意备用信用证/保函的到期日必须比贷款到期日多10个工作日以上。

4、我行审核并接受备用信用证/保函条款后，向贵公司发放贷款。 ●产品特色

1、使用该产品不占用贵公司的授信额度。 2、贵公司在我行无需有任何抵押。

RMB loans against standby letter of credit/guarantee

Introduction

It is the business that we extend RMB loan to the client against the standby letter

of credit or letter of guarantee with our bank as beneficiary issued by the financial institutions inside or outside of China. If you cannot repay the loan when the loan is due, we will claim for the repayment in accordance with the terms of the standby letter of credit or letter of guarantee. Clients

Foreign funded enterprises Steps

1, Guarantor bank chosen should be foreign banks or the domestic branches of foreign banks with good credit reputation and in line with the requirement of our bank. The guaranty can be a standby letter of credit or a letter of guarantee. The dominated currencies of the guaranty should be currencies that can be freely exchanged in the international market such as USD, EUR, JPY, HKD and GBP.

2, the following materials are required when applying for a loan. (1) Copy of the business license of the enterprise (2) Copy of the certificate of institutional code

(3) Copy of the permit of the Foreign Economic Committee (4) Application form for working capital loan

(5) Decision of the board of directors of the borrower

(6) Copy of the passport or ID card of the representative of the legal entity (7) Constitution of the company (8) Financial reports

3, With our approval, you can inform the guarantor bank to open standby letter of credit or letter of guarantee. Please be noted that the expiry date of the loan should be 10 days earlier than the maturity date of the L/C or the guarantee.

4, After the terms and conditions of the standby letter of credit or letter of guarantee are checked and accepted by our bank, the loan will be extended to you. Features

1, Credit line is not required

2, No other pledge is required from the borrower