revolving loans with a credit line that we offer to entrepreneurial individuals, SMEs and microenterprises to meet their urgent financing needs due to cash flow mismatches and incidental cash requirements in their operating cycles. To qualify as our customers of revolving credit facility,the entrepreneurial individuals, SMEs and microenterprises must have stable business operations, continuous operating cash flows as well as a reasonable amount of bank loans.

loans that we offer to a group of entrepreneurial individuals, enterprises or other organizations and are jointly guaranteed by all the members of such group. The group must comprise at least three members who have stable business operations and each member of the group is jointly and severally liable for the loan repayments and interest accrued. Such loans are offered to meet our customers’ financial needs in their agricultural, industrial and commercial businesses, including for working capital, the purchase of machinery and equipment or other purpose that is pre-approved by us.

loans characterized by the restrictions on the use of funds for specific transactions and payments. The borrower must have an established business relationship with the receiver of payments, such as an upstream and downstream relationship within a supply chain. In addition, both the borrower and the receiver of payments must have stable operations and competitive products. The receiver must undertake to monitor the use of funds or to provide a guarantee for the loans.

Bridge Loans (過橋貸): loans that we offer to entrepreneurial individuals, SMEs and microenterprises to bridge their funding gap.  To qualify as our bridge loans customers,the SMEs and microenterprises must have stable business operations and continuous operating cash flows.

collateral-backed loans that we offer to enterprises that provide collateral, including land use rights, building ownership rights or securities.