(two) a good reputation, with the ability to repay the loan principal and interest on schedule;
(3) The purpose of the loan is in line with national laws, regulations and relevant policies;
(4) Be able to provide relevant trade background information and financial reports to the lender in a timely and accurate manner, and actively cooperate with the lender's investigation, review and inspection;
(5) Provide legal and effective guarantee recognized by the bank (except for corporate customers who meet the conditions of bank credit loans).
(six) enterprises that can provide low-risk guarantees are not subject to the above conditions for handling packaged loan business.
(7) Other conditions required by the lender.
Chapter III Loan Amount, Term and Interest Rate
Article 6 In principle, the amount of packaged loans shall not exceed 80% of the amount of letters of credit.
Article 7 The term of the packaged loan shall be from the date of lending to one month after the validity of the letter of credit, and the longest term shall not exceed one year.
Article 8 When the last shipment date and validity period of the letter of credit are revised, the packaged loan may be extended once, and the longest extension shall not exceed the original loan term.
Article 9 The loan interest rate of RMB packaged loans is the same as the short-term loan interest rate of the People's Bank of China. For foreign currency packaged loans, the loan interest rate shall be subject to the relevant provisions of the Bank's foreign exchange loan interest rate.
Chapter IV Loan Application and Examination
Article 10 When applying for a packaged loan, the borrower shall, in addition to meeting our short-term loan conditions, provide the following information to our bank:
(1) Irrevocable letter of credit and original export sales contract, and the borrower acting as an export agent shall provide an export commodity agency agreement;
(two) the export of goods restricted by the state shall be reported to the competent department of the state for approval;
(3) Other materials required by the lender.
Article 11 An export letter of credit for packaged loans shall meet the following conditions:
(1) The letter of credit is irrevocable and non-transferable;
(2) In principle, the issuing bank of the letter of credit is our first-class and second-class correspondent bank; If the issuing bank does not belong to our Class I or Class II correspondent bank, it must be confirmed by our Class I or Class II correspondent bank; Otherwise, it must be reported to the head office for approval;
(3) The L/C does not contain unfavorable clauses for the lender;
(4) The letter of credit does not contain clauses restricting negotiation with other banks.
(5) Modifying the validity period of the letter of credit must be reported to the lender for approval;
(6) Other conditions required by the lender.
Article 12 After receiving the application materials of the borrower, the lender shall investigate and verify the relevant materials provided by the borrower. Focus on the following:
(a) the borrower's credit status should comply with the provisions of our bank on short-term loan conditions;
(2) Examining the authenticity of relevant information on trade background under the export letter of credit;
(3) the borrower's ability to prepare export performance and foreign exchange collection documents;
(four) in line with the national foreign exchange management policy, the export commodities do not involve anti-dumping investigations and trade disputes.
Article 13 The letter of credit business of packaged loans must be submitted to our bank.
Article 14 For the letter of credit business of packaged loans, export bills can be handled before the repayment of packaged loans by our bank; After receiving the bill, the borrower shall repay our packaged loan in equal amount.