Product Definition  

　　Export order financing refers to short-term financing provided by Harbin Bank to export enterprises within their credit limits and with sufficient collateral in international trade settled through remittance or documentary collection, where the bank offers financing based on the export contract/order submitted by the enterprise, supporting activities such as sourcing materials, production, and shipment of goods for fulfilling export obligations.

　　Product Functions  

　　1. Facilitates smooth business operations and enables you to seize trade opportunities when faced with a shortage of funds and an inability to secure advance payment conditions.

　　2. Alleviates the pressure on working capital by eliminating the need to use your own funds during production, procurement, and other preparatory stages.

　　Processing Procedure

　　1. You are required to submit the export order financing application form, the export contract or order, the upstream purchase and sales contract, necessary export approvals or licenses, and any other materials requested by Harbin Bank. 

　　2. Harbin Bank will review your business application and enter into an Order Financing Contract with you.

　　3. After disbursement, Harbin Bank reserves the right to supervise the use of funds to ensure they are utilized specifically for fulfilling the export sales contract, such as preparing goods for export. 

　　4. Repay the order financing principal and interest after receiving the payment.