WorkingCapital Loans

Theworking capital loans for SMEs are applicable to SMES that need to makeup the short-term fund shortage so as to guarantee the normal operatingturnover, or have the demands for regular capital turnover occupation and initialworking capital.

1.Small-sum Guaranteed Loan forSMEs

1.Product Introduction

Thesmall-sum guaranteed loan is our first exclusive financing product for SMES,available for application in the name of the businesses or the business owners.It adopts the real-estate mortgage, financial assets pledge and the warrandicefrom financing guarantee institutions, aiming to meet the short-term financingneeds of SMES in the daily production and operation.

2.TargetedClients

SMES,SMES owners as well as individual businesses with the demands for theshort-term working capital.

3.ProductFeatures

Awide range of prospective borrowers, efficient and convenient processes,diversified capital channels, the recycled use of loan limit within 5 years.

4.LoanLimit and Maturity

Themaximum loan limit is RMB 10 million and the longest maturity shall be 1 year.

2.Revolving Credit for Small Enterprises

1.Product Introduction

Therevolving credit for small businesses are working capital loans for smallbusinesses with the stable production and operation, adequate repayment sourcesand effective guarantees to meet the needs of the working capital loans forshort-term production and operation.

2.TargetedClients

SMESthat need to make up the short-term fund shortage so as to guarantee the normaloperating turnover, or have the demands for regular capital turnover occupationand initial working capital.

3.ProductFeatures

Simpleand convenient application, strong applicability and the recycled use of loanlimit.

4.LoanLimit and Maturity

Themaximum loan limit is RMB 30 million and the longest maturity shall be 1-3 years.

Loans for Fixed Assets Acquisition, Construction andManagement

Theloans for Fixed Assets Acquisition, Construction and Management are for SMESwith the medium and long-term financing needs of purchasing or constructingcommercial buildings and factories, purchasing machinery and equipment, as wellas decorating, renovating or maintaining business-oriented property. It mainlyincludes the Loans for Fixed Assets Acquisition, Construction and Management ofSMES, and the Business-Oriented Property Loans for Small Businesses.

1.Loans for Fixed Assets Acquisition, Construction andManagement of SMES

1.Product Introduction

TheLoans for Fixed Assets Acquisition, Construction and Management are a financingservice for SMES in purchasing or constructing commercial buildings andfactories, or the debt capital replaced by purchasing machinery and equipment.

2.TargetedClients

SMESwith the demands for all kinds of fixed assets acquisition and construction.

3.ProductFeatures

Largeloan amount, high loan-to-value ratio, long maturity and flexible mode ofrepayment.

4.LoanLimit and Maturity

Themaximum loan limit is RMB 30 million and the longest maturity shall be 10 years.

2.Business-Oriented Property Loans for Small Enterprises

1.Product Introduction

TheBusiness-Oriented Property Loans for Small Enterprises are designed for smallenterpriseswith the needs of decorating, renovating or maintaining business-orientedproperty, or replaced by purchasing, renovating or decoratingbusiness-oriented property.

2.TargetedClients

SMESthat have a sustained and stable settlement business or rent anybusiness-oriented property in ICBC.

3.ProductFeatures

Longmaturity, large loan amount and flexible mode of repayment.

4.LoanLimit and Maturity

Themaximum loan limit is RMB 30 million and the longest maturity shall be 10 year.

SpecialLoans for SMES

Online Loans for SMES

1.Product Introduction

TheOnline Loans for SMES are an online self-service revolving loan service issuedby ICBC for legal persons of SMES and natural persons engaged in the productionand operation with qualified mortgage (pledge) guarantees. Customers only needto sign a loan contract of revolving loan at one time. Within the validityperiod stipulated in the contract, customers can apply for withdrawal andrepayment business under the contract through the online self-service bank. Thesystem would process automatically and the capital would arrive in real time.

2.TargetedClients

Legalpersons of SMES and natural persons engaged in the production and operationwith qualified mortgage (pledge) guarantees as well as the reasonable capitalneeds of production and operation. And the businesses that have high operatingfrequency for the capital in a short term without a limited maturity and spacein particular.

3.ProductFeatures

(1)Large loan amount and guaranteed withdrawal

(2)Self-service and convenient to save time andenergy

(3)Flexible maturity to save money and time

4.LoanLimit and Maturity

Themaximum loan limit is RMB 30 million and the contract can be signed for 2years.

5.HandlingProcedures

Loansfor Science and Technology Businesses

Accordingto the financing needs of science and technology businesses, ICBC provides theworking capital loans, such as science and technology performance loans, loans for“professional, sophisticated, unique and innovative” businesses and SHIVCloans, with flexible guaranty styles including mortgage, pledge and creditenhancement.

1.Science and Technology Performance Loans

1.Product Introduction

Ourbank cooperates with Shanghai Technology Innovation Center and guaranteecompanies to provide RMB credit loans by means of risk sharing for science andtechnology businesses with good credit to meet the capital demands for thenormal production and operation.

2.TargetedClients

Smalland micro science and technology businesses with the short-term demand forworking capital loans.

3.ProductFeatures

Thecooperation between our bank and governmental unit, credit methods,preferential rate and flexible limit.

4.LoanLimit and Maturity

Themaximum loan limit is RMB 5 million and the longest maturity shall be 1 year.

2.Loans for “Professional, Sophisticated, Unique and Innovative”Businesses

1.Product Introduction

Ourbank cooperates with Shanghai Municipal Commission of Economy and InformationTehnology, Shanghai SME Development Coordination Office and Shanghai SME PolicyGuarantee Fund to offer loans to the “professional, sophisticated, unique andinnovative” businesses with good credit to meet the capital demands for thenormal production and operation. And Shanghai SME Policy Guarantee Fundprovides guaranty styles.

2.TargetedClients

The“professional, sophisticated, unique and innovative” businesses with theshort-term demands for working capital loans.

3.ProductFeatures

Thecooperation between the bank and governmental units, Green Channel, convenientprocesses and preferential rate.

4.LoanLimit and Maturity

Themaximum loan limit is RMB 10 million and the longest maturity shall be 1 year.

3.SHIVC Loans

1.Product Introduction

Ourbank cooperates with SHIVC and Shanghai SME Policy Guarantee Fund to offerloads to the superior science and technology SMES recommended by SHIVC to meetthe capital demands for the normal production and operation. And Shanghai SMEPolicy Guarantee Fund provides guaranty styles.

2.TargetedClients

Thesuperior science and technology SMES recommended by SHIVC with the short-termdemands for working capital loans.

3.ProductFeatures

Thecombination with investment and loan, convenient processes and preferentialrate.

4.LoanLimit and Maturity

Themaximum loan limit is RMB 5 million and the longest maturity shall be 1 year.