Cross-border Financing Solutions

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Cross-border Financing Solutions

　　——Connecting Credit to Simplify Your Foreign Trade

　　Harbin Bank offers a range of cross-border financing solutions, including import trade chain financing, export trade chain financing, and cross-border guarantees. These solutions seamlessly integrate domestic and international trade, currencies, and both onshore and offshore financing to help you seize development opportunities and streamline foreign trade.

　　Applicable Clients

　　Foreign-related enterprises with financing needs, such as import and export trading companies, engineering contracting firms, and large equipment export businesses.

　　Service Content

　　Import Trade Financing Solutions: Providing full-cycle financing solutions for import enterprises, covering contract signing, overseas procurement, and domestic sales. These solutions address funding bottlenecks in downstream client transactions for overseas procurement and domestic sales, helping importers boost sales, speed up accounts receivable turnover, and enhance procurement and sales models. Specific trade financing services include:

Import Financing

Domestic Sales Financing

Import Letter of Credit

Import Bill Advance

Import Collection and Bill Advance

Import TT Financing

Import Payment etc.

Domestic Negotiation under LC/Forfaiting

Bank Acceptance Bill Discounting

Commercial Acceptance Bill Discounting

Domestic Factoring, etc.

　　Export-enterprise Trade Financing Solutions: Providing financing solutions for export enterprises in contract signing, pre-shipment procurement and stocking, shipment, and export receipt. These solutions support export enterprises in obtaining and executing orders. Financing can be arranged for future or current receivables and combined with foreign exchange derivatives products to meet special needs such as exchange rate risk management, interest rate risk management, and financial statement improvement. Specific trade financing services include:

Pre-shipment Procurement Financing

Post-shipment Receivables Financing

Order Financing

Packaging Financing

Domestic Letter of Credit

Domestic Reverse Factoring

Bank Acceptance Bill

Commercial Acceptance Bill

Export Bill Advance

International Forfaiting

Export Collection and Bill Advance

Export Invoice Financing

　　Cross-border Guarantee Comprehensive Solutions: Harbin Bank offers a range of guarantee services for enterprises involved in international engineering contracting, including insurance coverage, project implementation, and project completion stages. For companies exporting large electromechanical equipment, Harbin Bank can assist in finding trading partners, stock preparation, and payment collection. Additionally, it provides internal guarantees for external loans and cross-border direct loans for enterprises needing financing abroad, as well as external guarantees for domestic loans for foreign-invested enterprises requiring financing within China. Harbin Bank supports the entire process of cross-border project bidding, construction/performance, and maintenance/quality assurance, offering professional technical consulting and training, business negotiation consulting services, and various forms of guarantee support. This helps enterprises capture development opportunities and expand internationally. Specific products include:

Non-financing Guarantee

Financing Guarantee

Bid Guarantee

Prepayment Guarantee

Performance Guarantee

Quality/Maintenance Guarantee

Retention Money Guarantee

Payment Guarantee, etc.

Domestic Guarantee for Foreign Loans

Foreign Guarantee for Domestic Loans

Cross-border Direct Loan

(Note: Cross-border Direct Loan refers to a service where Harbin Bank issues a financing guarantee for eligible domestic enterprises or foreign-invested enterprises. Based on this guarantee, the bank's overseas partner institutions provide direct financing in either local or foreign currencies.)

　　Service Advantages

　　1. Professional Advantage: Harbin Bank maintains specialized cross-border financial institutions and client service teams, delivering direct, efficient, and swift financial solutions.

　　2. Channel Advantage: Harbin Bank's correspondent banking network spans major countries and regions worldwide, offering significant advantages in products and services that require interbank channel support, such as letters of credit and guarantees.

　　3. Product Advantage: Harbin Bank offers a well-established trade finance and cross-border guarantee product system, delivering personalized and comprehensive solutions.