In specific of business model and operation procedure, our bank provides enterprises in sustainable and stable development stage with comprehensive financial supportings:

Procurement Financing Services

Our bank provides domestic purchasing procurement with following financial services:

Issuance of bank acceptance draft/E-bank acceptance draft

Product highlights: (1) Payment terms of your company can be postponed up to a maximum of 6 months, so as to improve fund utilization efficiency; (2) Processed on line through internet, E-bank acceptance draft can avoid forged bill and monitor the whole business process.

Payback Guarantee

Product highlights:(1) Prepayment is demanded by the big size supplier when purchasing merchandise. Our Bank can issue bank acceptance draft committing unconditionally payment to the supplier.(2) To provide franchiser funds to meet the financing gap when  purchasing merchandise. (3) To improve supplier’s fund utilization efficiency

Satisfying enterprises global procurement purchasing, with internationalized network, our bank provides the following financial products: 

Overseas agency payments

Product highlights: (1) our bank designates overseas payments agency and make payments to overseas exporters for the domestic importers, then importers make the correspondence payments to our bank on the due day.(2) through bank channel, improves credit of enterprises. (3) In the expectation of RMB appreciation, this product can fix foreign exchange rate risk and improve fund utilization efficiency.

Issurance of documentary credit

Product highlights: (1) Utilizing bank credit, to improve importer's level of credit and make enterprise gain more cooperation partners and opportunities; (2) Under the comprehensive bank line, to help reducing the instances of funds being tied up and expanding sales

Financial servies for enterprises production and operation

BEA will provide enterprises in daily production and operation with varieties of financial supporting

Property mortgage loan

Product highlights: As the core competitive product of BEA, based on mortgaged property, this product can provide more funds to enterprises in smooth procedures.

Financial Services for product sales

Discounting of RMB Bankers Acceptance

Product highlights: (1) To increase company's liquidity and accelerate capital return.(2) To reduce the financing cost as the discount rate is always lower than the general lending interest rate; (3) Financing period may be up to a maximum of 6 months

Forfeiting

Product Highlights: To speed up capital return and get payments earlier