The credit product introduction
Liquidity loans, project loans, syndicated loans, enterprise credit, domestic trade financing, guarantee, bill acceptance and discount, international trade financing business.

Trade financing products
The development of deep is the first domestic, international and offshore trade finance business integration of specialized banks, has rich experience in trade finance team provide trade financing products personalized combination scheme. The deep development of trade and multi-level financing service variety, can let you calmly choice --.

　The first ticket/The goods after the paragraph
The first ticket / goods after the paragraph is the pre form financing action and stock right pledge. Refers to the enterprise procurement deep development recognized as the collateral goods, in obtaining real before, simply purchase contract to the deep application development financing to pay the purchase price.
The first ticket / financing goods section including the opening bank acceptance, the deep development of commercial acceptance bill discount guarantee and loan three, enterprises can choose the proper way to use the financing.
The deep development is one of the earliest development ticket / the goods after the paragraph bank, with continuous innovation has been in the field to lead the market, service to penetrate deep into the steel, automobile, petroleum chemical industry, nonferrous metals, coal, grain, cotton, textile, wood, paper, plastic raw materials and more than a dozen national economy important industry, involving dozens of categories of goods, hundreds of brand products.
Business process

The 1 parties signed a trade contract;
2 customers to the development of deep deposit a certain percentage of deposit (usually 30%);
3 deep development to provide credit to customers, the payment to the customer related party;
4 customer related party according to the three party protocol requirements, at the time agreed to send the contract goods to the deep development of corresponding to the designated warehouse, shipping documents, the development of deep as the consignee;
With the deep development of 5 customers signed the pledge contract, the pledge of warehouse goods to the deep development;
6 customer margin for goods;
7 the development of deep issued instructions to the warehouse goods.
　Delivery guarantee
Delivery guarantee is a kind of credit business I move property and goods right pledge. Refers to the enterprise the procurement of goods, by purchasing contract to the deep development financing to pay the purchase price, and then by the deep development of goods issued by the one-way goods business.
Delivery guarantee financing including loans, bank acceptance bills of exchange in and out of a commercial acceptance bill with letter
The advantages of using the guarantee delivery of business enterprise
● can in no other collateral or guarantees, from the deep development to obtain financing
● can use bank financing to pay advance payment, reduce capital occupancy
● can determine the sales scale in advance, the stable customer relations
● can take advantage of off-season bulk orders and payment settlement way to obtain preferential purchase price
Business process

The 1 parties signed a trade contract;
2 customers to the development of deep deposit a certain percentage of deposit (usually 30%);
3 deep development to provide credit to customers, the payment to the seller for the enterprise;
4 the Seller shall provide "bill of lading";
5 customers will bill of lading to deep development;
6 the client margin;
7 deep development issued a "notice to the seller the enterprise" delivery;
8 the seller enterprises according to the "delivery" Notice of delivery to customer.
　Future goods imported under the credit right
Future goods right pledge issuing business is based on the importer's application in the importer, according to credit approval Provisions to pay a certain proportion of the deposit, the deposit to the outside part of credit under the right to future goods as collateral and credit. I through the control of credit under the right goods, trading behavior monitoring importer, a closed short-term credit risk control means and development.
Future goods right pledge issuing business is suitable for the financing needs of import enterprises, the enterprises settled in the letter of credit, intends to import goods shall conform to the licensed and catalogue range.
Future business advantages of issuing mortgage of property right
● can in no other credit, collateral and guarantee conditions, access to bank credit;
● can use a small margin to expand procurement scale, the leveraged gains in commodity prices circumstances;
● because expand disposable goods purchase amount from the seller to obtain higher discount;
● may lock in advance to prevent price, price risk;
Business process

1, customer and commodity seller commodity import contract;
2, our customers to give a certain percentage of deposit;
3, our bank provides credit, credit;
4, the seller in accordance with the contract, shipment, and submit the qualified documents to me;
5, customer one margin;
6, I put a single;
Or
7, the customer to apply for import bill advance;
8, we specify the declaration, and place the goods at the designated regulatory oversight, handle the chattel mortgage procedures
The rest of the process with the chattel mortgage credit business.
　Spot dynamic pledge
Spot dynamic pledge is a kind of credit business I move property and goods right pledge. Refers to the enterprise to own or third person legally owned property as collateral for credit business, also known as check inventory model. The bank for enterprises pledge goods set the minimum limit, allowed in the limit of the commodities, the addressee can barter.
Spot dynamic pledge financing support many kinds of financing ways, including loans, bank acceptance bill, letter of credit, letter of guarantee, guarantee the discounted commercial acceptance bills, enterprises can choose the proper way to use the financing.
Spot dynamic pledge by batch pledge, by means of financing, enterprises need to deliver goods sales margin, but also can be used to barter, in line with the requirements of the development of deep, new equivalent alternative to extraction of goods goods.
Enterprises to use the advantages of dynamic pledge
● can in no other, pledge to articles or guaranteed, access to bank credit;
● the original backlog in the inventory funds invigorated, so as to expand the operation scale;
The deep development is one of the earliest in the spot dynamic pledge financing banks, with continuous innovation has been in the field to lead the market, service to penetrate deep into the steel, automobile, petroleum chemical industry, nonferrous metals, coal, grain, cotton, textile, wood, paper, plastic raw materials and more than a dozen national economy important industry, involving dozens of categories of goods, hundreds of brand products.
Business process

1 deep development, customer, warehouse warehouse supervision agreement "signed";
2 customers will inventory pledge to deep development;
3 deep development to provide credit to customers;
4 customers pay deposit or payment or added into similar pledge;
5 the development of deep issued instructions to the warehouse goods.
　Spot static pledge
Spot static pledge is a kind of credit business I move property and goods right pledge, is refers to the enterprise to own or third person legally owned property as collateral for credit business, also known as check inventory model. Banking supervision for enterprises pledge commodity, does not allow us to barter, the addressee must pay for the goods.
Spot static pledge does not apply to other collateral material in addition to inventory, and the financing needs of enterprises, the enterprises to the pledged stock must meet our licensed and catalogues, and inventory is not often import.
Enterprises in the use of advantages of spot static pledge
● can in no other, pledge to articles or guaranteed, access to bank credit;
● the original backlog in the inventory funds invigorated, so as to expand the operation scale;
Business process

1, our bank, customer, warehouse three party warehouse supervision agreement "signed";
2, the customer will inventory pledge to me;
3, our bank provides credit;
4, customers into payments for goods;
5, we give Fanghuo instructions to the warehouse;
　The standard warehouse receipt pledge
The standard warehouse receipt pledge is a kind of credit business I move property and goods right pledge. Refers to the enterprise to own or third people legally owns the standard warehouse receipt pledge loan business. The standard warehouse receipt is uniformly made by a futures exchange, the Chinese approved by the SFC, designated by the Exchange warehouses in the completion of acceptance warehousing goods, after the approval of the owner and physical delivery certificate issued to the effective registration in the futures exchange.
The standard warehouse receipt pledge for no other, in addition to the standard warehouse receipt pledge to outside, and financing needs of enterprises; the standard warehouse receipt under the pledge of goods enterprises to must meet my licensed and catalogue.
The advantages of using the standard warehouse receipt pledge business
● can in no other credit, collateral and guarantee conditions, access to bank credit;
● can transform the original backlog in the inventory funds invigorated, so as to expand the operation scale;
Business process

1, customers will be the standard warehouse receipt pledge statement "and" give me;
2, I went to the futures exchange for exchange. "";
3, I went to the delivery warehouse management warehouse. "";
4, I pledge procedures, and to the customer credit;
5, the customer into the money to redeem;
6, I can release the standard warehouse receipt;
Or
7, the enterprises need to the standard warehouse receipt of delivery to repay our bank credit situation, I will be the standard warehouse receipt directly to the futures Broker's Firm for physical delivery;
8, transaction amount first to repay my line of credit;

Ming Baoli
Domestic factoring is that my trip the domestic seller because of another together in the sales of goods for domestic or accounts receivable service formed, on this basis for the seller to provide the account receivable account management, receivables financing, collection of accounts receivable and accounts receivable bad debt risk taking a series of comprehensive financial services. If I should notify the buyer and seller will actually accounts receivable is transferred, and indicates the accounts receivable due date according to our bank account designated payment for the factoring factoring.
Ming factoring for accounts receivable financing demand or optimize report requirements, and formed a good relationship between trade and settlement of stable customers and buyers.
The characteristics of our factoring
● compatible with multiple operating mode, break through the accounts receivable debtors do not fit the bottleneck of formalities, accounts receivable, once formed, you can handle the factoring
● support many kinds of financing way, is advantageous for the enterprise the flexibility to choose appropriate financing varieties, reasonable control of the financial cost
● financing deadline can break through the single pen should be the amount and duration of accounts receivable, reduce the difficulty of enterprise capital management
The advantages of using the factoring business
● can obtain deep development to pay the right price, reduce accounts receivable management cost, reduce the operating risk of customer account management
● could get financing at no other collateral, collateral circumstances, accelerate the capital turnover, improve the accounts receivable turnover rate, reduce the flow of funds, reduce the financial costs
● to accounts receivable management and collection of outsourcing to the deep development, improve the credit capacity, is conducive to the expansion of sales, develop new markets and customers
● can optimize the financial statement, improve the structure of assets and cash flow
Business process

1, the customer in line to my bank for the assignment of accounts receivable
2, I do the accounts receivable
Notice to the buyer together 3, I line with customers
4, the buyer of accounts receivable confirmation
5, we provide financing to customers
6, accounts receivable due date I notice the buyer payment
7, the buyer will direct the money into my bank account is specified
8, we deduct the financing, the balance in the account
　Dark factoring
Dark factoring refers to the domestic factoring business, I do not will be the seller and buyer behavior accounts receivable transfer of factoring (including: although has informed without notice evidence of effectiveness). In the dark factoring, the buyer payment without the transfer of accounts receivable in between me and the constraint.
Dark factoring for accounts receivable financing or optimize report requirements, and formed a good relationship between trade and settlement of stable customers and buyers.
The advantages of using dark factoring business
● can obtain deep development to pay the right price, reduce accounts receivable management cost, reduce the operating risk of customer account management
● could get financing at no other collateral, collateral circumstances, accelerate the capital turnover, improve the accounts receivable turnover rate, reduce the flow of funds, reduce the financial costs
● to accounts receivable management and collection of outsourcing to the deep development, improve the credit capacity, is conducive to the expansion of sales, develop new markets and customers
● can optimize the financial statement, improve the structure of assets and cash flow
Business process

1, the seller and the buyer signed the business contract, transaction;
2, the seller in the factoring credit within I apply for accounts receivable transfer and financing;
3, I for the seller's account receivable, and issue of financing funds;
4, accounts receivable due, I notice to the seller the payment;
5, the seller and buyer are accounts settlement;
6, I pay the seller financing funds;

　Agency discount
Agency discount refers to the commercial draft discount to its agent, the discount bank signed three party protocol, entrust their agents in the discount bank discounting procedures, the discount bank audit and unambiguous, directly to the discount payment paid to discount the applicant's business.
Agency discount applicable manufacturer goods credit enterprise delivery has been made in the first votes in our bank. Services include qualified bank acceptance bill and deep development of commercial acceptance bill discount guarantee.
Convenience agency discount service
● holder enterprises without charge, keeping notes, also do not need one by one and discounting procedures
● avoid loss, exchange risk may, unqualified bill risks and notes in circulation process
● deep development will be discounted payments in accordance with the instructions specified account directly pay the holder, improves the safety of clearing
Business process

1, both parties signed a trade contract;
2, buy the direction I give a certain percentage of deposit for acceptance (or insurance paste) (usually 30%);
3, I according to the credit approval process, to provide credit to the buyer;
4, the buyer to pay the purchase price with the bills;
5, the seller according to the signed "the three party cooperation agreement", commissioned by the buyer to the bank discount, discount interest payment can be made by the two sides agreed in the agreement;
6, the buyer (the agent) ticket to my bank for discount;
7, we will discount the proceeds into the seller's account;
　Commercial acceptance bill guarantee discount
Commercial paper business refers to the deep development of the paste according to the enterprise to apply for the opening of a commercial acceptance bill discount this guarantee, a credit business of commercial acceptance bill discounting commitment for the issuance and acceptance or endorsement or hold.
Two modes of commercial ticket insurance with business
● a deep development to the line of credit, the credit issue and acceptance of the commercial acceptance bills to protect the paste
● two is the deep development of the discounting applicant (the holder) awarded the insurance amount shall protect the paste, paste on their holdings or with its endorsement business ticket
The advantages of using commercial ticket and paste operations
● can improve the commercial acceptance bill acceptance and payment function
● discounted flow relatively convenient, no query link bank acceptance
● holder as long as the real trade made notes, can have the equivalent of cash flow and financing ability
● usage of the business enterprise, if the counterparty credit enough good, transparent, may not provide other mortgage, guarantee
Business process
● mode: use a drawer

1, the customer to the receiving party issued a commercial acceptance bill;
2, the development of deep within the limits for the ticket issued by the insurance attached letter;
3, the payee ticket according to guarantee the development of deep discount to post letter;
4, due before the deep development to the buyer, the receivables cash reimbursement paste.
● mode two: the holder to use

1, customers in the deep development of commercial ticket discount amount;
2, customers receive payment issued by the commercial acceptance bill;
3, the payee ticket to the development of deep discount or the holder's ticket endorsement, the endorser to deep development for the discount ticket;
4, due before the deep development to the buyer, the receivables cash reimbursement paste.
　Auto financing business
Auto financing business refers to the car dealer sales vehicle pledge to the bank, the bank through the pledge for registration, a short-term credit financing and the vehicle certificate or other vehicle license, supervising the implementation of control and tickets issued (including liquidity loans, Yin Hangcheng against the acceptance of a bill of exchange, credit card business).
To apply for an auto financing business enterprises shall be in accordance with these rules: (1) the applicant as a domestic brand car of an agent, or reached a considerable scale of operation dealer, industry experience is richer, purchasing and marketing channels, smooth, have a certain industry reputation and status, the real trade background; (2) the financial situation is good, with strong financial strength, no bad credit records; (3) the applicant to pledge objects have complete ownership, no other collateral behavior, there is no property and other legal disputes.
Pledge without moving, but must apply for the pledge of transfer procedures, the bank personnel in the field management, the pledge of storage yard (or garage) pledged to cooperate with the bank to pledge of supervision.
The pledge rate is generally not more than 80%.