出口买方信贷介绍(中国银行).docx
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出口买方信贷介绍(中国银行).docx
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ExportBuyer'sCredit
Introduction
Exportbuyer'screditisamedium-and-long-termfinancingfacilityprovidedbyexporter'sbankandsupportedbyexporter'shomegovernmenttotheimporteroritsbanks,withthepurposeofpromotingtheexportofcapitalgoodsandservicessuchashomebredmechanicalandelectricalproducts,completeequipmentandoverseascontractedengineeringprojects.
Functions
1.Supportfromexporter'homecountry.Exportcredit,alsocalled"Officially-SupportedExportCredit",isacreditprovidedbytheexporter'scountryforexportgoodsofdomesticfinancialinstitutionsthroughthepreferentialpoliciesinordertosupporttheexportofhomebredcapitalgoodsandtostrengthenthecompetitivenessofitshomeproducts.Asthepolicyexecutors,eachnation'sExportCreditAgencies(abbreviatedasECAs)provideinsurance,guaranteeordirectpreferentialloansfortheexportcredit.
2.Optimizeexporters'asset-liabilitystructures.Sinceexportbuyer'screditisthefinancingforimportersortheirbanks,exporterswon'tbearliabilities.Exportershavesafeforeigncurrenciescollectionandacceleratedcapitalturnoverthroughit.
3.Reduceimporters'financingcosts.Ontheonehand,importer'sfinancingchannelsareexpanded.Ontheotherhand,thefinancingcostsofexportbuyer'screditunderECAitems(insurance,guaranteeordirectfinancing)aremuchlowerthanthatofaveragecommercialloans.Becausethebusinessobjectivesofexportcountries'ECAsaretoimplementnationalpoliciesratherthanmakeprofits,thusthepremiumrates(ortheratesofguarantee)andtheloaninterestratearealwayslowerthanmarketaverage.
Term
Usuallynomorethan10years(fromeffectivedateoftheloancontracttotherepaymentdateofprincipalandinterest)
InterestRate
Affectedbyfactorssuchasborrower'sbusinessinformation,loanamount,termandguaranteetype,theinterestrateusuallyadoptsfloatingrate.Subjecttoexternalregulators'andourbank'spoliciesrelatedtoloanrate,itwillbeconfirmedintheloancontract.
Charges
Upontheinternationalcommonpractice,exportbuyer'screditwillbechargedmanagementfee,obligationfeeandothercorrelativefeesaccordingtocertainratestandards.
TargetCustomers
1.Exportersshallbetheentitieswhoexportcapitalgoodsandservicessuchashomebredmechanicalandelectricalproducts,completeequipmentandoverseascontractedengineeringprojects.
2.Borrowersshouldbeimporters,importers'banks(credittransferbanks)orimportcountries'statutoryborrowingsectorsinsovereigntylevel(suchasMinistryofFinance,centralbanketc.)whichareapprovedbyBankofChina.
ApplicationQualifications
1.TheaggregateamountofcommercialcontractsshouldbenolessthanUSD1million;
2.TheportionofexportgoodsmadeinChinashouldbeworthmorethan70%ofthecontractvalueofcompleteequipmentand50%ofthewatercraftandaircraft.Otherwise,theproportionofloanamounttocontractvalueshouldbeproperlydecreased;
3.Theproportionofspotpaymentincashcurrencytowatercraftcontractvalueshouldbenolessthan20%,andthattocompleteequipmentcontractvalueshouldbenolessthan15%;
4.Thecommercialcontractofexportbuyer'screditshouldaccordwiththerelevantlegalrulesofimportcountryandexportcountry;
5.TheexportenterpriseshouldunderwriteexportcreditinsuranceininsuranceinstitutionsinaccordancewithBankofChina'srequirements;
6.MeetotherrequirementsofBankofChina.
Process
1.Thestageoffinancingintent
Duringtheinitialbusinessnegotiationoftwosides,ortheexporter'sparticipationinoverseasbiddings,theexportershallcontactourbank'senterprisebusinesssectorandappliesforanintentletterofexportbuyer'screditfromourbank.Meanwhile,aftercontactingwiththerelevantdepartmentofChinaExport&CreditInsuranceCorporation,theexporterfillsinaproposalformforapplyingforanintentletteroranintentionletterofexportbuyer'scredit.BankofChinawillexamineandverifytheapplicationinviewoftherelevantreferences,throughrelevantinstitutionsorcreditstandingsystems.ThenBankofChinawillaccordinglyapproveorrevisethefinancingpackagesubmittedbytheexporterandissueanon-bindingintentlettertotheexporter.
2.Thestageofprojectnegotiationandevaluation
Ourbank'sbusinesspersonnelwilltrackandmonitortheprojectdevelopingcircumstances,helptheexporterandtheborrowerwithbusinessnegotiations,definethefinancingproportionandsettlementmethodsofexportbuyer'scredit.Thusourbankcanendeavortomatchtheloanpaymentandsettlementmethodswiththeloantermssuchaswithdrawaltimeandwithdrawalamount.
3.Negotiationandsigningstageofloanandinsurancecontracts
4.Loanusestage
Theexportertransportsgoods,entruststheinterna
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- 出口 买方 信贷 介绍 中国银行
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