Product Definition  

　　Delivery guarantee refers to a service provided by Harbin Bank where, within the credit limit, the bank issues a delivery guarantee letter to the shipping company at the request of the letter of credit applicant, allowing the applicant to take delivery of the imported goods that have arrived at the port, even if the relevant shipping documents have not yet been received.

　　Product Functions  

　　Assists importers in collecting goods promptly and mitigating the risk of port congestion.

　　Product Features  

　　1. Reduces capital occupation. Utilizing bank credit to collect goods for sale accelerates cash flow and reduces capital occupation.

　　2. Seizes market opportunities. Assists importers in obtaining ownership documents, collecting goods, and reselling them if the goods arrive before the documents, thereby enabling them to seize market opportunities. 

　　3. Saves financial costs. Helps importers collect goods on time, avoiding port congestion fees.

　　Applicable Clients  

　　Suitable for cases where the sea transport is short, and goods arrive before the documents.

　　Application Conditions  

　　1. Enterprises that are legally approved and registered with a valid business license, having undergone annual inspections or possessing other valid documentation that verifies their legal operations and defined scope of business activities; possessing an account-opening permit and having a settlement account opened at Harbin Bank.  

　　2. The customer must have a credit limit or deposit the full guarantee amount at Harbin Bank.

　　3. The customer must also provide a Delivery Guarantee Application, a shipping company's arrival notice, a guarantee letter in the specified format, a copy of the bill of lading, a copy of the invoice, and any additional materials required by Harbin Bank.

　　4. In principle, delivery guarantee services are only accepted under the letter of credit for imported goods where the transport documents consist of a complete set of sea bills of lading issued by Harbin Bank.

　　Processing Procedure

　　1. If the goods arrive earlier than the letter of credit or collection documents (including the original bill of lading), the importer submits a delivery guarantee application to Harbin Bank.

　　2. After reviewing the application, Harbin Bank will issue a delivery guarantee to the importer.

　　3. The importer uses the delivery guarantee issued by Harbin Bank to collect the goods from the shipping company (or other carrier).

　　4. Upon the letter of credit or collection documents arrive, the importer makes payment and redeems the documents from Harbin Bank. The importer then exchanges the previously issued delivery guarantee with the shipping company (or other carrier) and returns it to Harbin Bank.