Export document pledge loan: refers to the agreement between the importer and exporter to sign a trade contract by remittance settlement. After the goods are shipped to the customs, the exporter pledges the full set of original ocean bills of lading to the bank to apply for a loan, and the importer sends the full set of original ocean bills of lading to the importer after paying.

Features:

(1) Without other guarantees, the goods have no right to pledge to the bank, thus realizing capital turnover, speeding up capital circulation, bringing convenience to exporters' operations and avoiding exchange rate risks.

(2) The financing method is simple, convenient and fast. Compared with other loan methods, it does not need other collateral, and the loan is faster.

Requirements:

(1) must be shipped by sea.

(2) Customers who handle business need to have enough credit in the bank.

(3) Customers who handle business have good business contacts and credibility with banks.

note:

(1) Strictly control the market risk, strengthen the control of the importer's reputation risk and the political, economic, military, financial and foreign exchange control risks in the country and region where the importer is located, and prevent the risk of foreign exchange collection caused by the importer's default in payment due to the sharp drop in the price of goods.

(2) Strictly control the credit risk, strictly control and review the trade contracts and invoice documents signed by import and export, and prevent importers and exporters from jointly signing false contracts or falsely invoicing the amount to obtain bank funds.

(3) After receiving the payment from the importer, the bank should immediately send the documents to the importer or give them to the exporter, who will send them to the importer.

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