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Corporate Banking

Collection and payment through agent under trust plan

Introduction

The collection and payment business through an agent under a trust plan is the collection and payment business that our bank accepts the commission of a trust company or a client to act as an agent for trust plan recommendation and trust funds. The job needing to be done by branches is to recommend trust projects and to promote trust products to investors, so as to facilitate the purchase of the collection and payment trust plans of our bank as the agent.


Features:

· The operation procedures are basically consistent with those for loans.

· The loan terms generally range from half a year to two years.

· There should be adequate mortgage guarantee measures in general.

· Investors earn higher return.


Scope of application

Large-and-medium-sized enterprises in good production and operation and with stable cash flow.


Procedures

1. Branches understand the financing needs of customers and recommend trust plan products to the customers who can accept higher costs.

2. The investment bank center contacts the trust company and assists branches in customer marketing, discussing the basic financing elements and various charges and other commissions with the fund-raising side.

3. Our bank carries out survey, examination and approval.

4. Complete the mortgage guarantee and other formalities.

5. Sign a trust loan agreement and an agency collection and payment agreement, financial advice and other related contracts.

6. Release and promote the product.

7. The fund-raising period expires, the product is established, and the interest begins to be calculated.

8. The trust funds are transferred to the trust company's special fund-raising account that is opened in our bank.

9. Handle the loan charge-off.

10. Pay interest and repaying the loans upon maturity.


Documents to be submitted

The materials that the borrower should provide include:

1. An application for handling entrusted loans.

2. Basic information of the borrower.

3. Relevant resolutions by the board of directors on the issuance of trust plans.

4. Other documents required by our bank.


The materials that the investor should provide includes:

Natural persons should provide the following information and sign the related contracts in the case of making subscription:

1. Their own valid certificates (if they employ an agent, the agent's valid certificates and a power of attorney should also be provided).

2. The deposit book or bank card opened in our bank.

3. The Trust Contract, Trust Plan Risk Statement, Investor's Statement, and completed Financial Management Product Fitness Assessment Report and Individual Investors Risk Tolerance Assessment Questionnaire.

4. After the teller checks the ID cards, deposit books or bank cards and confirms that they are indeed owned by the client and the beneficiary, the handling person retains a copy of the above materials.


The legal person should present the following information and sign the related contracts in the case of making subscription:

1. A copy of the legal entity business license bearing the unit's official seal;

2. A copy of the legal representative certificate bearing the unit's official seal;

3. The original power of attorney signed by the legal representative, and the original and a copy of the agent's valid identity certificate;

4. The Trust Contract, Trust Plan Risk Statement, and Investor's Statement should be signed by the legal person and bear the official seal.

5. After checking the above certificates to be correct, the handling person retains a copy of the legal entity business license bearing the unit's official seal, a copy of the legal representative certificate bearing the unit's official seal, the original power of attorney signed by the legal representative, and a copy of the agent's ID card.


(Note: For details, please call 961 111 or come to nearby GRCB outlet.)

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