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SME Credit Banking > Dragon Boat Product Series > The Startup’s Ark
The-Startup’s-Ark

Settlement Services – Telephone POS Settlement (TPOS)

TPOS is a brand new payment tool that combines the telephone and the POS. It can be used as a normal telephone and also offers inter-bank collection and payment.

Features:
1. Funds arrive in real time.
2. Widely applicable. Support all CUP debit cards issued by all banks.
3. Easy to use, safe and low cost.
4. Outward remittance allowed.
5. Local standard Union-Pay fee rate is applied for all inter-bank inward transfers. 50% off for all inter-bank outward transfers, that is, 5‰ of the transfer amount - lowest RMB 1 and highest RMB 25. No fees for gold card holders.

Target Customers:
Designed for small businesses in the wholesale market that has no centralized cashier service.

Application Materials:
1. Photocopy of the original and copy of Business license (affixed with the merchant’s official seal);
2. Photocopy of the Tax Registration Certificate or the Fixed-amount Tax Payment Certification Letter (affixed with the merchant’s official seal);
3. Photocopy of the ID card of the owner’s (affixed with the merchant’s official seal);
4. Photocopy of the House Lease Contract or House Purchase Contract for the operations premises.

How to Apply?
Apply at the counter.
Note: This page is for reference only, part of the business to local outlets announcement with specific provisions prevail.

Small Business Internet Banking

Under this product, Hua Xia Bank uses the Internet technology to offer safe and real-time banking services for our customers, moving the traditional banking services over the counter to the Internet platform.

Features:
1. Online financing application via small business Internet banking service enables small businesses to apply for financing and check the approval progress online. All is easy, quick and time saving.
2. Online financial and accounting operations include online book-keeping, money receipt, cancellation and deposit, and cashier management.
3. Easy money transfer and payment, transaction management, bulk payment (via Centralized Payment Express), and regular transfer recipients management, less fund-in-transit time and higher capital utilization.
4. Legal person account overdraft available to address the temporary shortage of capital. Simply use the Small Business Internet Banking Overdraft service and quickly obtain funds to meet capital turnover needs.
5. Online payroll services to facilitate the accounting and financial staff, with no limitations of time and space.
6. Easy online financial services for fund and gold trades, third-party custody, current account and term deposits two-way transfer, call deposit application, and certificate of deposit loss reporting.
7. Online account enquiry and printing services available, including online account balance printing, accounts details enquiry, statement printing, transaction enquiry, operations log enquiry, agreement account information enquiry, operator information enquiry, service ownership enquiry, Internet banking collection transaction enquiry, and inward transfer enquiry.
8. Comprehensive range of full services to help companies supervise their financial status available 24 hours a day, 7 days a week.

Target Customers:
Designed for all small businesses that use Hua Xia Internet banking services according to the relevant laws, bylaws and regulations of the People’s Republic of China and the Rules of Use of Hua Xia Internet Banking Services. Any corporate client that has computer and internet infrastructure and already opens the settlement account with Hua Xia Bank can apply for corporate Internet banking services. Especially suitable for small businesses that has not used any accounting software and urgent financing needs.

Application Materials:
1. Hua Xia Corporate Internet Banking Service Agreement;
2. Hua Xia Corporate Internet Banking Service Application Form; and
3. Any other materials required by the Bank.

How to Apply?
Apply at the counter.
Note: This page is for reference only, part of the business to local outlets announcement with specific provisions prevail.

Domestic Factoring with Recourse

Under this product, Hua Xia Bank provides a host of comprehensive financial services such as capital financing, accounts receivable management, and accounts receivable collection to enterprises that transfer the right to collect their accounts receivables created by domestic credit purchase.

Features:
1. Helps to address the financing needs in case of lack of traditional standard guarantee.
2. Helps businesses to quickly collect sales proceedings and increase capital turnover.
3. Offers the Buyer more competitive forward payment terms and increase capital turnover to earn more profits.
4. Offers professional accounts receivable collection and management and helps to save management costs.

Target Customers:
Designed for businesses that use commercial credit facilities such as credit purchase, have high accounts receivable and thus needs capital to quickly expand production, at the same time have long-term stable business partnership with sellers, have good credit record and a sound account receivable management system.

Credit Term:
No longer than 1 year.

Application Materials:
Applicants are required to provide the following materials when making applications to the branches of Hua Xia Bank.
Materials to be submitted by the Seller:
(1)Corporate certification letters;
(2)General information on the operations, production and sales of the company;
(3)Audited financial statements in the recent three year (including notes) and the latest accounting reports; and
(4)Approval made by the company’s decision-makers to apply for the factoring service;
(5)Detailed information on the company’s accounts receivable and it’s A/C management system;
(6)Any other materials required by Hua Xia Bank.

Materials to be submitted by the Buyer:
(1)Corporate certification letters;
(2)Audited financial statements in the recent three year (including notes) and the latest accounting reports;
(3)Any other materials required by Hua Xia Bank.

Materials on accounts receivable:
(1)Original copy of the purchase contract; and
(2)Materials to certify the existence and actual amount of accounts receivable, such as original copy of the invoice.

How to Apply?
Apply at the counter.
Note: This page is for reference only, part of the business to local outlets announcement with specific provisions prevail.

Unauthorized Value Cargo Pledge Finance

Under this product, Hua Xia Bank provides financing to customers upon application and uses the goods legally owned by the customer as pledge. The Bank will then entrust a third-party warehouse entity to supervise the goods. The latter will release goods according to the Bank’s instructions.

Features:
1. Helps to address the financing needs in case of lack of traditional standard guarantee;
2. Helps to address the problem of capital shortage due to inventory; and
3. Helps customers to secure financing without impacting the goods turnover; and
4. Helps customers to expand operations scale.

Target Customers:
Designed for customers that have legal ownership of the pledged goods accepted by Hua Xia Bank and also have the need of frequent collection and change of gods during the pledge period.

Credit Term:
No longer than 1 year.

Application Materials:
Applicants are required to provide the following materials when making applications to the branch of Hua Xia Bank:
(1)Corporate certification letters;
(2)General information on the operations, production and sales of the company;
(3)Audited financial statements in the recent 1 year (including notes);
(4)Approval made by the company’s decision-makers to apply for the cargo pledge financing service;
(5)General information on the goods to be pledged;
(6)Any other materials required by Hua Xia Bank.

How to Apply?
Apply at the counter.
Note: This page is for reference only, part of the business to local outlets announcement with specific provisions prevail.

Authorized Value Cargo Pledge Finance

Under this product, Hua Xia Bank provides financing to customers upon application and uses the goods legally owned by the customer as pledge. The Bank will then entrust a third-party warehouse entity to supervise the goods within the lowest value range specified by the Bank. The warehouse entity has the discretion of the goods of any value beyond the lowest limit set by the Bank.

Features:
1. Helps to address the financing needs in case of lack of traditional standard guarantee;
2. Helps to address the problem of capital shortage due to inventory; and
3. Helps customers to secure financing based on the value of goods and without impacting the goods turnover; and
4. Helps customers to expand operations scale.

Target Customers:
Designed for customers that have legal ownership of the pledged goods accepted by Hua Xia Bank and also have the need of frequent collection and change of gods during the pledge period.

Credit Term:
No longer than 1 year.

Application Materials:
Applicants are required to provide the following materials when making applications to the branch of Hua Xia Bank:
(1)Corporate certification letters;
(2)General information on the operations, production and sales of the company;
(3)Audited financial statements in the recent 1 year (including notes);
(4)Approval made by the company’s decision-makers to apply for the cargo pledge financing service;
(5)General information on the goods to be pledged;
(6)Any other materials required by Hua Xia Bank.

How to Apply?
Apply at the counter.
Note: This page is for reference only, part of the business to local outlets announcement with specific provisions prevail.

Cargo Title Pledge Finance

Under this product, Hua Xia Bank provides financing to customers upon application and uses the cargo title instruments such as the warehouse receipt and the bill of lading as pledge.

Features:
1. Helps to address the financing needs in case of lack of traditional standard guarantee;
2. Helps to address the problem of capital shortage due to inventory; and
3. Helps customers to increase inventory turnover.

Target Customers:
Designed for customers with legitimate and standard cargo right certificate whose issuer has good reputation and which is legally binding.

Credit Term:
No longer than 1 year.

Application Materials:
Applicants are required to provide the following materials when making applications to the branch of Hua Xia Bank:
(1)Corporate certification letters;
(2)General information on the operations, production and sales of the company;
(3)Audited financial statements in the recent 1 year (including notes); and
(4)Approval made by the company’s decision-makers to apply for the cargo title pledge financing service;
(5)General information on the goods to be pledged; and
(6)Any other materials required by Hua Xia Bank.

How to Apply?
Apply at the counter.
Note: This page is for reference only, part of the business to local outlets announcement with specific provisions prevail.

Future Cargo Collection Right Finance by Export Supervised Warehouse

Under this product, Hua Xia Bank provides financing for the Buyer upon application to pay its supplier who will deliver the goods to a supervised warehouse or destination designated by the Bank as a pledge.

Features:
1. Helps to address the financing needs in case of lack of traditional standard guarantee.
2. Helps the Buyer to secure large orders and enjoy bulk purchase discount with a small capital. Helps customers to secure financing based on
3. Helps the Buyer to secure financing before putting goods under pledge.
4. Helps the Supplier to increase sales and grab bigger market share with timely cash inflows and achieve win-win with its business partners.
5. Enables the Supplier to know in advance the sales volume and build stable customer relations.

Target Customers:
Designed for customers that have stable relations with its suppliers who have good reputation and make timely delivery as per the agreement, and are willing to put the goods under pledge.

Credit Term:
No longer than 1 year.

Application Materials:
Applicants are required to provide the following materials when making applications to the branch of Hua Xia Bank.
(1)Corporate certification letters;
(2)General information on the operations, production and sales of the company;
(3)Audited financial statements in the recent 1 year (including notes);
(4)Approval made by the company’s decision-makers to apply for the future cargo collection right loan.

Materials to be submitted by the Supplier:
(1)Corporate certification letters; and
(2)By and large, approval made by the company’s decision-makers to apply for the future cargo collection right loan, not required if not against the company’s Articles of Association;
(3)Any other materials required by Hua Xia Bank.

How to Apply?
Apply at the counter.
Note: This page is for reference only, part of the business to local outlets announcement with specific provisions prevail.

Future Cargo Collection Right Finance by Warehouse Confirming

Under this product, Hua Xia Bank provides financing for the Buyer upon application to pay its supplier who will deliver goods according to the Bank’s notice.

Features:
1. Helps to address the financing needs in case of lack of traditional standard guarantee.
2. Helps the Buyer to secure large orders and enjoy bulk purchase discount with a small capital.
3. Helps the Buyer to earn higher credit rating by leveraging the strength of its suppliers and obtain credit facilities from the Bank.
4. Helps the Supplier to increase sales and grab bigger market share with timely cash inflows and achieve win-win with its business partners.
5. Enables the Supplier to know in advance the sales volume and build stable customer relations.

Target Customers:
Designed for customers that have stable relations with its suppliers who have good reputation, make timely delivery as per the agreement, have strong solvency, and promise to refund the difference between the prepayment and the actual proceedings.

Credit Term:
No longer than 1 year.

Application Materials:
Applicants are required to provide the following materials when making applications to the branch of Hua Xia Bank.

Materials to be submitted by the Buyer:
(1)Corporate certification letters;
(2)General information on the operations, production and sales of the company;
(3)Audited financial statements in the recent 1 year (including notes);
(4)Approval made by the company’s decision-makers to apply for the future cargo collection right loan.

Materials to be submitted by the Supplier:
(1)Corporate certification letters;
(2)Any other materials required by Hua Xia Bank.

How to Apply?
Apply at the counter.
Note: This page is for reference only, part of the business to local outlets announcement with specific provisions prevail.

Online Self-service Loans

This product grants credit to a specific group of clients and can monitor the use of funds via the Internet platform. Customers can apply for and repay RMB revolving loans on the Internet from time to time.
Loan interests can be calculated on either a multistage or a one-stage basis.

Features:
1. Revolving credit within the credit validity period once approved. Customers can make withdrawals when there is financing need for operations or capital and repay the loans when they have cash inflows.
2. Easy to make application and repayment via the Internet self-service platform.
3. Loan interest is calculated on a multistage basis for a specific client group who enjoy a favorable interest rate (Stage I) and then the standard interest rate (Stage II).
4. Customers have the discretion to decide how long the loan is to be used.
5. less financial cost, apply for and repay loans at any time, reduce the cost of funds, increase liquidity efficiency.
6. Loan can be made by pledge, by mortgage or by guarantee.
7. Specially designed procedures and channels for application and approval make application easy and fast.

Target Customers:
Designed for customers that trade on the Internet transaction platform or those distributors, suppliers and agencies of large-scale leaders in the industry to provide them with a quick and efficient self-service platform for loan application and repayment on the Internet.

Credit Line and Term:
Credit limit no more than RMB 2 million. Minimum loan amount no less than 10000.
Credit validity period is 1 year.
Loan Term no longer than 1 year and expiry date of the loan no later than that of credit validity.

Application Materials:
1. Business license;
2. Organization code certificate;
3. Loan Card number and password;
4. ID card of the legal representative and a sample of his/her autography;
5. Articles of Association of the company;
6. Decision of the Board of Directors (or Shareholders’ Meeting) in accordance with the company’s Articles and Association;
7. Letter of certification for the purpose of granting the credit (for instance, purchase contract or invoice or order or notice of the purpose of the loan);
8. Letter of certification of the ownership and value of the property right in pledge; and
9. Any other materials that are deemed necessary by the bank.

How to Apply?
1. Online application, or
2. Apply at the counter.
Note: This page is for reference only, part of the business to local outlets announcement with specific provisions prevail.

Relay Loans

This product allows the debtor to sign a tripartite cooperation agreement with the Bank and a third party recognized by the Bank before the loan is granted, under which the debtor agrees to transfer the credit assets when the credit assets meet the transfer requirements specified in the agreement and the Bank extends credit to the debtor accordingly.

Features:
1. Longer repayment period allows clients to delay repayment to avoid bad credit record.
2. Lower cost of financing under guarantee accepted by a third party. No third-party guarantee needed. Only a consultation fee is required, reducing the financing cost.
3. Loan can be made by pledge, by mortgage or by guarantee.
4. Specially designed procedures and channels for application and approval make application easy and fast.

Target Customers:
Designed for clients that have fixed premises for operations, run for no less than two years, have a clear major business line and good market for its products, enjoy good profits, have a good potential for growth and profitability, have stable cash flows and profits as the sources for credit repayment, have a credit rating of BBB or above.

Credit Line and Term:
Credit limit no more than RMB 2 million.
Loan Term no longer than 15 months.

Application Materials:
1. Business license;
2. Organization code certificate;
3. Loan Card number and password;
4. ID card of the legal representative and a sample of his/her autography;
5. Articles of Association of the company;
6. Decision of the Board of Directors (or Shareholders’ Meeting) in accordance with the company’s Articles and Association;
7. Letter of certification for the purpose of granting the credit (for instance, purchase contract or invoice or order or notice of the purpose of the loan);
8. Letter of certification of the ownership and value of the property right in pledge; and
9. Any other materials that are deemed necessary by the bank.

How to Apply
1. Online application, or
2. Apply at the counter.
Note: This page is for reference only, part of the business to local outlets announcement with specific provisions prevail.

Joint Guarantee Loans

This product allows three to seven small businesses to form a joint guarantee unit (hereafter referred to as “joint guarantee team”) in which all members determine the credit limit upon consultation and jointly apply to Hua Xia Bank for loan. Each individual debtor has joint and several liabilities to guarantee the loans that the other debtors have applied for under a joint guarantee. The Bank will extend credit up to a certain limit.

Features:
1. The joint guarantee team is formed by each member’s own will.
2. An innovative guarantee to create a unit that has joint and several liabilities.
3. Loan can be used for working capital needs in daily operations or temporarily financing needs.
4. Repayment can be made either by lump sum or by installments.
5. The joint guarantee team can be formed to apply for a loan under a joint guarantee. The number of debtors in a joint guarantee team shall be no less than three but no more than seven.
6. Specially designed procedures and channels for application and approval make application easy and fast.

Target Customers:
Designed for small business lack of pledged property but with good credit record, and willing to participate in the joint loan arrangement, mainly small business clients in the high-tech zone, industrial association, local chamber of commerce, and mature wholesale market.

Credit Line and Term:
Credit limit for a single account no more than RMB 20 million.
Loan Term no longer than 12 months and loan matures no later than 2 months after the expiry date of the credit line.
Application Materials:
1. Business license;
2. Organization code certificate;
3. Loan Card number and password;
4. ID card of the legal representative and a sample of his/her autography;
5. Articles of Association of the company;
6. Decision of the Board of Directors (or Shareholders’ Meeting) in accordance with the company’s Articles and Association;
7. Letter of certification for the purpose of granting the credit (for instance, purchase contract or invoice or order or notice of the purpose of the loan);
8. Letter of certification of the ownership and value of the property right in pledge; and
9.Any other materials that are deemed necessary by the bank.

How to Apply?
1. Online application, or
2. Apply at the counter.
Note: This page is for reference only, part of the business to local outlets announcement with specific provisions prevail.