Offshore loan refers to the financing behavior of commercial banks to non-residents (non-residents refer to overseas natural persons, legal persons, government agencies, international organizations and other economic organizations, including overseas branches of domestic financial institutions, etc.). ).

(1) The loan amount is not limited by the domestic credit scale of the country where the business is located.

Offshore banks can issue loans as long as they have deposits, and are not limited by the domestic credit scale of the country where they operate.

(2) the handling of loans can enable domestic and foreign business cooperation.

If the collateral may be located abroad or at home, we can make better use of the convenience of notarization and registration procedures of domestic and foreign laws and strengthen cooperation between the two jurisdictions.

(3) The use of loans is not bound by national boundaries.

Mainly used for overseas investment, but also for domestic investment.

(4) In principle, loan repayment should be to borrow foreign exchange and return foreign exchange.

This is because the funds for offshore loans mainly come from overseas, so the borrower borrows foreign exchange and pays the principal and interest in foreign exchange.

(5) The loan has strong policy and high operational requirements.

The funds for offshore loans come from overseas, and the lending target must also be overseas customers, that is, "deposits and loans are all overseas". Business personnel should not only know the knowledge of international finance and trade, but also be proficient in English and other foreign languages, and be familiar with foreign laws and accounting knowledge to meet the needs of work and do a good job in offshore lending.