金融服务方案模板【英文】.doc

FINANCIAL SERVICE PROGRAM
FOREWORD
TO:DEAR xxxxxx COMPANY:
YOUR COMPANY IS VERY REPRESENTATIVE IN SEPARATOR MANUFACTURING. AS WE KNOW,THE OPERATING PERFORMANCE OF YOUR COMPANY IS VERY EXCELLENT.THE COMPANY HAVE ENOUGH CAPACITY FOR SUSTAINABLE DEVEIOPMENT AND IS ALSO OUR TARGET CUSTOMER TO MARKETING.WE ARE SINCERELY HOPE THAT WE CAN ESTABLISH A GOOD COOPERATION WITH YOUR COMPANY.WE,THE AGRICULTURAL BANK OF CHINA TIANJIN WUQING BRANCH,WISH AND HAVE THE ABILITY TO PROVIDE YOU A COMPREHENSIVE FIANCIAL SERVICE AND A FULL SUPPORT TO ACHIEVE YOUR STRATEGIC TARGET USING OUR ADVANTAGES OF FUNDS,NETWORK AND INFORMATIONS BASED ON MUTUALLY BENEFICIAL AND COMMON DEVELOPMENT.
THIS FINANCIAL SERVICE PROGRAM INTRODUCED THE PRODUCTS OF SETTLEMENT,ASSET MANAGEMENT AND SERVICES,AFTER YOU READ THIS INTRODUCTION,YOU CAN FRANKLY POINTED OUT WHAT WE CAN ILL-CONSIDERED,AS WELL AS YOUR COMPANY NEED TO IMPROVED.WE WILL ACTIVELY COMMUNICATE WITH YOU AND EXCHANGE OUR VIEWS AS SOON AS POSSIBLE.
WE SINCERELY WISH YOUR COMPANY A PROSPEROUS BUSINESS AND HOPE THAT WE CAN BECOME YOUR TRUSTED PARTNER TO GROW AND DEVELOP TOGETHER!

CONTENTS
FOREWORD
PART ONE RMB AND FOREIGN CURRENCY DEPOSITS
RMB DEPOSITS：AGREEMENT DEPOSITS,CALL DEPOSITS
FOREIGN CURRENCY DEPOSITS:FOREIGH CURRENCY TIME DEPOSITS,CALL DEPOSITS
PART TWO FINANCING
LINE OF CREDIT,LOAN MODE,LOAN APPLICATION AND REPAYMENT
FINANCING PRODUCTS:RMB AND FOREIGH CURRENCY LOANS,SECURITIES FINANCE,LETTER OF GUARANTEE,TRADE FINANCE,LOANS GRARANTEED BY EXPORT DRAWBACK,OTHER FINANCING PRODUCTS
PART THREE SETTLEMENT
RMB SETTLEMENT
FOREIGH EXCHANGE SETTLEMENT/CLEARING
SETTLEMENT PRODUCTS:ON LINE BANKING,CASH MANAGEMENT SYSTEM,ENTERPRISE FINANCIAL REIMBURSEMENT SYSTEM
PART FOUR ASSET MANAGEMENT
FINANCIAL ADVISORY SERVICE,FINANCING PRODUCTS, ZHAISHITONG PRODUCT,ASSET MANAGEMENT,ENTERPRISE ANNUITY FUNDING TRUST,PERSONAL ASSET MANAGEMENT FOR ENTERPRISE STAFF
PART FIVE AGENT BANK BUSINESS
COMMISSION INSURANCE BUSINESS,SALARYISSUING,MONEY COLLECTED OR PAID FOR ANOTHER, YINGUANTONG PRODUCT
PART SIX OTHER SERVICES
RAILBANK SERVICE,SELF-HELP BANK SERVICE,TELEPHONE BANK SERVICE
ATTCHMENT
ENDING

PART ONE Rmb And Foreign Currency Deposits
Generally,the deposits of your company will divided into two forms:demand deposits and time deposits.Considering the situation that your company may want to get more interest income from higher pursuit in a period of having more deposits,we provide the following deposit products.
Ⅰ.Rmb deposits
According to the interest rate policy of people’s bank of china,we advice you to take agreement deposit and call deposit to get more interest income and ensure the flexibility in the use of funds.
1.Rmb agreement deposits
Agreement deposits refer to settlement account opened in accordance with deposit agreed unpon between your company and us.The initial deposit is rmb 500 thousand yuan.the interest is 1.17% per annum.
2.Rmb call deposits
Call deposit fall into deposits at call one day ahead and seven days ahead.their interest were 0.81% and 1.35% per annum.When your account is to be drawn,you should notify us of the withdrawal one or seven days ahead and we will pay interest according to the rate of call deposit with cooresponding maturity.
Ⅱ.Foreign currency deposits
We can provide you the flexible policies in foreign cerrency deposit rate.foreign currency can divided into time deposit and seven-days call deposit.we can give you the favourable interest rate in accordance with the size of the deposit amount.
1.The amount of the deposit which is more than three million u.s. dollars or equivalent (inclusive) should be called wholesale deposit.The determination of the favorable interest rate of wholesale deposit are based on libor at the same period.The determination of the favorable interest rate of wholesale seven-days deposit wer based on seven-days libor at the same period.
2.The amount of the deposit which is less than three million u.s.dollars or equivalent (exclusive) should be called retail deposit.the interest rate of retail time deposit and seven-days deposit is determined by .
PART TWO Financing
Ⅰ.The line of credit
As we know,your company planed to make a total investment of eur66,000,000.00 in wuqing,and the registered capital is 22 million euros.according to the current policy line,we can give your company a comprehensive credit of rmb 400 million yuan(calculated in accordance with the current exchange rate).The line of credit can be achieved in th form of rmb and foreign currency loans,security financing,domestic letter of gurrantee,trade financing,account management financing and other financing product.
Ⅱ.The form of loan
The loan can be taken into ensure,mortgage and trust.
Ⅲ.Withdrawal and repayment
Withdrawal:according to the state credit policy and the loan conditions,you can draw the working capital loans 2 woking days after your application of using fund.the maximum amount once you can draw could reach 80 million yuan.after the approval of the fixed asset loans,you can draw the funds 2 working days after your application.
Repayment:you can repay the loans ahead the schedule.there is no charges about early repayment at present.
Ⅳ.The financing products and preferential conditions
1. Rmb Loans And Foreign Currency Loans
Categories of loans:the loans can be divided into working capital loan,fixed asset loans(including project financing and general fixed asset loans) and bussiness mortgage loan.the loan currency we can provide are USD,JPY,GBP,EUR and HKD.
Interest:The Interest Of Rmb Loan Is In Accordance With The Provision Of The People’S Bank Of China,The Minimum Level Of Interest Rates We Can Provided Is 10% Lower.Foreign Currency Loans Can Determined in two ways.One is publishing interst,the other is libor plus bps.
Maturity:the maturity of long-term loans is 5-10 yeas,project financing maturity can be extended after the aproval of our head office:the maturity of medium-term loans is 1-5 years(the maturity of medium working capital loan is 1-3 years);those with maturity of one year or less are called short-term loans.
2. Securities Financing
Securities financing include the bank acceptance draft and the bill discounting.
(1)Bank acceptance draft
If your company can be in line with our existing credit conditions,we can issued the bank acceptance draft by decreasing the margin.the accepted bank bill can defered the payment of relevant funds,thus reducing the loan interest expenses and the financing cost.
(2)Bill discounting
There is a widely difference between the loan interest rate and the discount rate,you can save the financing cost by using the bill discounting.
3. Domestic letter of garrantee
Domenstic leeter of garrantee means under the request of one party of the contract,we can guarantee a fufillment of liability or obligations to another party of the contract and issued a written commitment which undertake to pay a certain amount compensation within a certain period.the domestic letter of guarantee including finanacing guarantee and non-financing guarantee.
Financing guarantee means our bank issued a writeen commitment to guarantee the applicant to fulfill the repayment while they financing the funds from a third party.
4. International trade financing
We can provide you varietable international trade financing products such as the following products:
(1)Issuing L/C Without Full Margin
Issuing l/c without full margin refers to our bank issued a leteer of credit without saving full margin according to your application.
Using this product can reduce the occupation of the capital and lead to more trade opportunities.
(2)Import Financing
Import financing is a kind of short-term finance offered by our bank to your company according to your demand upon receiving the bill under the letter of credit and the import collection item,based on the payment methods.
(3)Usance Letter Of Credit Payable At Sight
A usance letter of credit payable at sight is a usance l/c issued by our bank ,which undertakes to pay the beneficiary at sight,provide the required documents are submitted and the terms of credit are complied with,while the applicant makes reimbursement to our bank when the tenor is due.It is a kind of finance offered to your company and the interest thereof is normally borne by your company.
(4)Shipping guarantee
Shipping guarantee is a written guarantee signed by our bank and issued to your company for picking up the goods from the shipping cpmpany in the case of arrival of cargo prior to the shipping documents.after receiving the title document,you must return the guarantee to us.shipping destination limits to china port.using this product can satisfy your demand that picking up goods in time,avoiding market risk and reducing the warehousing related charge.it is also can reduce the capital occupied and improve cash flow.
(5)Packing loans
Packing loans is a special loan offered by our bank to your company who has received qulified letter of credit,to be used under items of procurement,production and shipment,so as to support you to implement the cotract,effect delivery as schedule.Packing loan is a short-term woking capital loan,which enables your company to purchase ,prepare the material,produce and trade without difficulty even the self-owned capital is not sufficient.
(6)Bill purchased is a kind of short-term loan provide to your company when you act as a exporter.if you presents full set of documents to our bank,after deducting the loan interest and relevant charge,we can pay the balance of invoice to you in advance.this product can be used to accelerate capital circulation and avoiding the exchange risk.
(7)Export discounting
Export discounting is a short-term financing provided by our bank to your company when you act as an exporter,by means of buying with recourse immature usance draft accepted by the issuing bank or the nominated bank. After deducting the loan interest and relevant charge,we can pay the balance of invoice to you in advance.You can get paid begore the maturity of the usance draft so as to accelerate capital circulation.
(8)Forfaiting
Forfaiting,also called bill buy-up or buy-out,is a kind of trade financing that our bank ,as the buyer-up,purchases without recourse from your company the accepted usance draft so as to provide finance to you. Using this product can improve the cash flow and avoid the exchange risk.
(9)International factoring
When you and your importer agree to settle by open account or documents against acceptance,we act as the export factoring bank,together with import factoring company,offers you a basket services including investigationon the importer credibility,guarantee for bad debt,loan cillection,sales ledger management and trade financing.Using this product can improve the efficiency in the use of funds.
(10)Invoice discounting
Being an exporter,you concluded a transaction with importer under payment terms of 0/a(open account) or d/a(delivery against acceptance).after shipments,our bank will funding you under a certain percentage of the invoice value with recourse against the shipping documents,as well as the sale of information services household accounts.
(11)The export credit insurance financing
The export credit insurance financing means our bank and china export&credit insurance corporation jointly launch a service tailored to your needs-export credit insurance banking finance.Your company as the exporter buys short-term export credit insurance at china export $credit insurance corporation.after shipment of goods,transfer the indemnity anf other interests to our bank to obtain export trade financing.We will fund you in accordance with the invoice value deducting the financing interest and other costs.The credit insurance financing is applied to export contract settled by credit sale,collection and l/c.
(12)Export documentation loans
export documentation loans refers to your company as the exporter applied the loan by pledging the commercial documents and the transport documents(a full set of property documents).
(13)Purchasing order financing
Being an exporter,your campany concluded a transaction with importer under settlements of remittance or document collection,you can apply a short-term financing by using the purchasing contract/order.
5. Account management financing-loans guaranteed by export drawback
Under the management of the export drawback account,our bank fund you subject to the export drawback rebate recerivable.Using this product can solute the shortage of the working capitals.
6. Other financing
(1)Commissioned loans
We can provide you all kinds of commissioned loans to make another ways of inter-enterprise financing.the costs and charges can considered to be preferential.
(2)Demand deposit accounts overdraft
We can provide you the demand deposit accounts overdraft service under the credit line of your company .
Note:we will adjust the mode of credit line and the relevent requirements according to the organizational structure,the investment and financing patterns of your company.
PART THREE Settlement
Ⅰ.Domestic settlement
We can provide you the a safe and efficient domestic clearing and settlement service based on the abis system.the system can share the saving and drawing information in tianjin area to make the real-time funds transfer;settled the real-time remittan for fund to and from other area inside the system;ensure the remittance finished within 24 hours through the people’s bank of china docking system;ensure the response to inquirement within 24 hours.
Ⅱ.Foreign Exchage Clearing And Settlement
Agricultural bank of china is a nominated bank of the state administration of foreign exchange and also the members of society for wordwide interbank financial telecommunication(swift),has a large number of foreign account and established the agency relationship with more than 1000 world famous bank.We can provide you a safe,efficient and freely convertible foreign exchange clearing and settlement service and a lot of internatioanl business such as letter of credit,collection and remittance.the costs and charges can considered to be preferential.
Ⅲ.Settle product
1. On line banking
The on line banking is an electronic financial services platform through the internet,with the advantage of safe,feature-rich,simple flexible settings.You can be handled through the on line banking in inquireis,transfers,payments,transactions,account management and other financial and derivative business.after the registration ,you can login to choose the relevant business you want.(see attchment for a detailed description)
2. Cash management system
Cash management system is a electronic financial services