Credit line refers to the stock management index of short-term credit business approved by commercial banks for their customers, which can generally be divided into single loan credit line, borrowing enterprise line and group borrowing enterprise line. As long as the credit balance does not exceed the corresponding business variety index, regardless of the cumulative amount issued and the number of times issued, the business department of the commercial bank can quickly provide customers with short-term credit, that is, the enterprise can conveniently recycle the bank's short-term credit funds, so as to meet the customer's requirements for the rapidity and convenience of financial services.

I. Applicable Customers

All independent corporate customers who are the target of commercial banks' credit can be approved for the credit line according to the regulations.

Conditions for application

1. Customers must meet the basic conditions and requirements of the General Principles of Loans and the credit management policy of the commercial bank in respect of the borrower;

2. Customers must be large and medium-sized manufacturing enterprises, import/export enterprises, commercial enterprises or joint-venture enterprises with good business and financial status, good prospects for development of the industry to which they belong, and have competitive advantages in the industry.

3. The customer has established a stable cooperative relationship with the designated credit bank and has a good track record;

4. The characteristics of the customer's business operation are in line with the operation mode of the credit line, and the progress of the business can be comprehensively and effectively supervised by the Bank;

5. The customer's guarantee method meets the Bank's requirements.

2. Submission of materials

1. Business license of the enterprise;

2. Loan card;

3. Financial statement of the enterprise and other materials required by the Bank.

3. Processing Flow

1. Business Initiation Stage

The account manager of the corporate business department accepts the customer's application for credit line and carries out credit investigation. At this stage, the corporate business department will implement procedures in the following areas:

(1) Conducting customer qualification examination in accordance with the Bank's customer rating and access standards.

(2) Collecting basic customer data and information, including requests for approval of credit line submissions, business licenses for annual inspection procedures, loan certificates, and financial statements for the past three years.

(3) Collecting the guarantor's business license, financial statements of the last three years, list of mortgages (pledges), value assessment documents, documents proving the ownership of the property rights, and verification reports on the mortgages (pledges) from the reporting units.

(4) Drafting of the credit line agreement, if the borrower (or guarantor, mortgagor, pledgee) is a foreign-invested enterprise or a joint-stock enterprise, the board of directors' resolution (with signatures of a quorum of the board of directors) and the authorization letter should be issued with the relevant contents.

(5) Preparation of credit line evaluation report.

2. Stage of Execution Agreement

After the credit line evaluation report is approved by the Risk Management Department or the corresponding procedures, the credit line enters the execution stage.