(1) Features:

The borrower signs a loan contract with the bank at one time, and within the validity period stipulated in the contract, the borrower can withdraw money in installments, repay the loan one by one, and recycle the working capital loan.

Second, syndicated loans.

(1) concept:

Syndicated loans refer to loans issued by several banks or non-bank financial institutions to the same borrower under the same loan conditions and with the same loan agreement. Syndicated loans include syndicated loan arrangements and corresponding financing consulting services. Syndicated loan arrangement means that the bank, as the lead bank, organizes loan syndicates, adopts the same loan agreement and provides loans in local and foreign currencies and other credits to the same customer under the same loan conditions.

Third, enterprise M&A loan.

M&A loan refers to the loan that the dominant domestic enterprises or institutions apply to the bank in the process of restructuring and reorganization because of the financing needs arising from the paid merger and acquisition of other domestic enterprises or institutions, completed projects, asset-debt restructuring, etc.

Fourth, bridge loan.

A bridging loan refers to a bridging loan that is issued to meet the staged capital needs of borrowers in their daily business activities, with non-operating cash flow such as future government subsidies as the repayment source.

Verb (abbreviation of verb) entrusted loan

Entrusted loan refers to a business in which the customer (principal) provides funds, and our bank issues, supervises the use and helps to recover the loan on behalf of the loan object (borrower), purpose, amount, term and interest rate.

(1) program:

The trustor (the trustor) first applies to our bank, and after it is accepted and approved by our bank, the trustor and the borrower sign the entrustment agreement, entrusted loan contract and other relevant documents. After completing the signing of relevant documents and receiving the entrusted loan letter issued by the customer and confirming that the entrusted funds are fully transferred to the special fund account, the bank will go through the loan formalities on time.

(2) Related expenses:

1. Loan amount 1 100 million yuan or less: the maximum monthly handling fee rate shall not exceed 3 ‰;

2. The loan amount is more than 654.38 billion yuan (inclusive): the monthly handling fee rate shall not exceed 2 ‰;

If the handling fee is paid in one lump sum when the loan is issued, we will give some preferential treatment. If the single handling fee is less than 1 1,000 yuan, it will be charged at 1 1,000 yuan;

4. The charging standard for foreign currency entrusted loan business shall be implemented with reference to the charging standard for RMB entrusted loan business.