Working capital facilities are issued to meet customers' short term financing demands to ensure the normal running of companies’ general production & operational activities.

As an efficient and practical means of financing, working capital facilities cover a number of popular credit products, characterised by their short loan terms, relatively simple procedures and lower financing costs such as Revolving Credit Facilities.

In terms of the term, facilities can be divided into short-term (less than one year) and medium term (one to three-year). Working Capital Facilities can be further divided into secured (i.e. guarantee, mortgage & pledge, credit loans) and unsecured elements.

Facilities are implemented in accordance with loan interest rate management regulations of Bank of China and the agreement of the loan contract. Charges are subject to the contract.