携手建设银行 共谋美好未来

Construction bank, hand in hand together a better future

Recently, the reporter learned from the construction bank xuchang branch, in order to solve in export trade export enterprise faced with lack of bank line of credit, stock liquidity shortage, political risk is big, the construction bank innovation various financing way, provide the export enterprises troubleshoot.

"Melting goods pass" refers to the customer in accordance with the provisions of the conditions of the goods or movables cargo right certificate as a pledge, the construction bank designated by the third party logistics enterprise is responsible for the regulation of movable property, the construction bank credit support to apply for the business. According to the different forms of pledge for goods, the business can be divided into "now the warehouse" "sea LiuCang" "warehouse" three modes, respectively, and future cash pledge pledge and imported goods from the bonded area intends to import goods to pledge. To "melt goods pass" financing way, the construction bank for enterprises to provide credit support to enterprises will not only the general line of credit in the limit. In the "now the warehouse" mode, as long as the enterprises have the goods in stock, can be far higher than enterprise general line of credit, the highest spot is equivalent to 70% of the value assessment of high limit. In the "sea LiuCang" and "warehouse" mode, enterprise import commodities, can temporarily put forward to the construction bank single pen trade credit, limit granted and business deal with synchronous, deal with business will no longer subject to enterprise general line of credit.

The buyer and interest discount usance l/c is to point to the issuing bank open usance l/c and agreed, the issuing bank to documentary bill acceptance, the applicant bears discount interest and costs, the stick to draft the discount to exporters bank/exporters payment at sight payment business. The business for the applicant is a forward payment, and for beneficiary beneficiary is payable at sight basis. This product is characterized by its overseas payment, the due payment, the importer bear financing costs, exporters get paid at sight. The business to satisfy the import enterprise financing demand, delay the payment time, alleviate the customer payment pressure, the financing cost is generally low, foreign currency loan and can change its financial statements, line of credit take low status. The corporations can effectively enhance the bank credit resource utilization rate, can satisfy the import enterprise credit or arbitrage demand.

Export commercial invoice financing is to point to the exporter in the T/T or D/A settlement way, using the credit (O/A) way to importer selling goods, and to the construction bank transfer export accounts receivable under the condition of creditor's rights, the construction bank according to export the commercial invoice amount of certain proportion to give exporters have recourse short-term financing financing service mode. The financing way to expand the traditional trade financing application scope, the introduction of the accounts receivable the creditor's rights financing concepts, change the traditional trade attached to the letter of credit financing way, more focused on the single pen trade background and trade success rates, simple production process, to grasp the applicability. For bank financing is one of them.

For bank financing is refers to the exporter of export goods, the construction bank transfer to the relevant accounts receivable under the condition of creditor's rights, the construction bank as the applicant and the insured against Chinese export credit insurance company short-term export credit insurance, after shipment according to the value of goods for a certain proportion given trade financing services. For bank financing has many advantages. The financing by the China export credit insurance company to assume the credit risk of the importer and the importer's country or region of the political risk, the enterprise only normal performance can be achieved in the trade contract, guarantee; The construction bank to provide enterprises with loans (exemption guarantee), the enterprise can prompt recovery fund, realize the settlement in advance, effectively avoid exchange rate risk, speed up the flow capital turnover, and also optimize the financial statements; Using the financing enterprise can give more convenient importers of deferred payment conditions, accept to sell on credit (O/A) or documents against acceptance (D/A) settlement way, improve the market competitiveness, and enhance the price negotiation skills.

A garment production enterprise scale is not big, in the bank credit rating only BBB level. Data show that the enterprise for many years trade export stable growth, the method of payment most for T/T or D/A. To solve the financial strain, this enterprise hope to get bank credit support, because of the credit rating is low, the bank has been reluctant to give working capital loans. The export commercial invoice financing the financing products, the construction bank to the enterprise to provide $1 million bill financing, successfully solved this enterprise financing difficulties and bank capital on the channel two problem.