A. Project Loan
Project loan is a kind of loan offered to the borrowers for the investment projects in building, expanding, renovating, developing and purchasing fixed assets. Project loan has flexible term. ICBC’s project loans are generally mid-to-long term loans, and ICBC also has short-term project loans used for temporary turnaround of projects.

B. Syndicated Loan
Syndicated loan is a kind of loan offered to the same borrower by the syndicate formed by several banks or other financial institutions that are permitted to engage in credit and loan business with the same loan agreement based on the same loan terms.

C. Working Capital Loan
Working capital loan is a kind of loan offered to the clients by the bank to satisfy the high-quality borrower’s continuous rational financial needs in the daily operation with the future comprehensive earnings and other legal income as the repayment source.

D. Trade Financing
a. Import Bill Advance
Import bill advance is a kind of financing service offered by ICBC when enterprises need to pay for imports under letter of credit or collection in order to solve the capital turnover problems as well as make the payment for imports in a timely manner and obtain the shipping documents to collect the goods and arrange the processing or sales as soon as possible.
b. Import TT Financing
Import TT financing is a kind of financing service offered by ICBC when import enterprises use cash on delivery to make the payment for goods of the suppliers in order to solve the capital turnover problems as well as make the payment for imports in a timely manner and enhance the corporate reputation and influence.
c. Shipping Guarantee
If import enterprises have handled the import L/C issuing business in ICBC and goods under such L/C have been delivered to the destination prior to the shipping documents, enterprises can apply for shipping guarantee in order to avoid the high demurrage charges or fluctuations in prices, and ICBC can guarantee the enterprises to collect the goods in advance without receiving the original B/L.
d. B/L Endorsement
If import enterprises make ICBC as the order in the shipping documents provided in the L/C issued by ICBC, the original copy of the shipping documents are required to be endorsed by ICBC and enterprises can collect the goods after the endorsement. Enterprises can apply for the B/L endorsement business at ICBC and ICBC will endorse the original copy of the shipping documents and authorize the enterprises to collect the goods.
e. Packing Loan
Export enterprises can apply for packing loan financing under L/C at ICBC when enterprises receive the L/C issued by the foreign banks and have funding gap caused due to organizing the purchase, preparation, production and shipment of the export goods under such L/C. Enterprises shall handle the document delivery procedures at ICBC after the goods are shipped and repay the packing loan after receiving the payment for exports.
f. Export Bill Purchase and Export Bill Purchase under L/C
ICBC can handle export bill purchase financing for enterprises with the full set of documents under L/C and collection provided by enterprises as pledges before receiving the payment for goods paid by issuing banks or importers if export enterprises need financing after handling document delivery under sight or term L/C and collection.
g. Export Bill Discount and Export Credit Discount
ICBC can handle export bill discount financing for enterprises before receiving the payment for goods paid by issuing banks or importers if export enterprises need financing after delivering the documents under term L/C and collection and receiving the notice of payment at maturity by issuing banks or importers.
h. Export Invoice Discount
ICBC can offer export invoice discount for enterprises based on the commercial invoice and other commercial documents provided to ICBC if export enterprises need financing after export enterprises agree on the settlement by selling on credit with importers, prepare and ship out the goods.
i. International Factoring
ICBC can jointly offer comprehensive financial services for enterprises as export factor and import factor including importer credit investigation, bad debt guarantee, collection of payment for goods, management of sales ledger and trade financing when export enterprises make the settlement by sell on credit or term document against acceptance with importers.
j. Forfaiting
ICBC can offer forfaiting financing without recourse for export enterprises before receiving the payment for goods by issuing banks if export enterprises need financing after delivering the documents under term L/C and receiving the notice of payment at maturity by issuing banks.