Foreign Currency Corporate Account Overdraft

I. Product Name

Foreign Currency Corporate Account Overdraft

II. Product Introduction

The Foreign Currency Corporate Account Overdraft service is a short-term financing product designed to meet customers' temporary foreign currency fund requirements. In daily operations, if a corporate foreign currency settlement account experiences a temporary insufficient balance due to delayed fund collection or sudden payment needs, the overdraft function allows the enterprise to make direct external payments within the approved limit, providing convenient short-term liquidity support.

III. Product Features

(1) Financing is automatically triggered for payments within the limit, without the need to submit financing applications on a transaction-by-transaction basis;

(2) Used to meet short-term fund requirements for cross-border payments under goods trade or cash management needs of group customers.

IV. Conditions for Application

Enterprises need to open a foreign currency current account settlement account or an integrated RMB and foreign currency account at China Construction Bank and maintain a good credit record.

V. Application Channels

Please contact your dedicated relationship manager to process.

Foreign Currency Revolving Credit Facility

I. Product Name

Foreign Currency Revolving Credit Facility

II. Product Overview

The Foreign Currency Revolving Credit Facility is a short-term foreign currency financing product designed to meet enterprises' working capital turnover needs. For businesses with sustained and frequent foreign currency liquidity requirements, China Construction Bank offers this facility, allowing eligible enterprises to draw down, repay, and reuse funds within the approved facility limit and tenure on a revolving basis.

III. Product Features

(1) Multiple drawdowns are permitted within the tenure; the available facility amount is automatically restored upon repayment, enabling revolving usage.

(2) Broad range of currency options and flexible tenors.

IV. Eligibility Criteria

(1) The enterprise must maintain a dedicated domestic foreign currency loan account with China Construction Bank and have a satisfactory credit record.

(2) The enterprise must demonstrate ongoing operational viability, legitimate sources of repayment, and strong debt service capacity.

V. Application Channels

Please contact your dedicated relationship manager for further assistance.

Cross-border Direct Loan

I. Product Name

Cross-border Direct Loan

II. Product Introduction

Cross-border Direct Loan is a financing solution designed to meet the  meet the operational turnover needs of overseas enterprises. It involves loans directly issued by domestic branches of China Construction Bank (CCB) to overseas enterprises, or loans jointly issued by CCB domestic branches and CCB overseas institutions.

III. Product Functions

(1) Meet the needs for continuous overseas operations of enterprises;

(2) Meet the operational working capital needs in service areas such as the co-construction and sharing of "overseas warehouses" for cross-border e-commerce;

(3) Meet relevant needs for the construction of border economic cooperation zones and cross-border economic cooperation zones.

IV. Eligibility

Non-financial enterprises legally registered outside China.

V. Application Channel

Please contact your dedicated relationship manager to apply.

VI. Notes

The overseas entity must have sufficient sources of repayment, and cross-border guarantee performance shall not be the primary source of repayment.

International Commercial On-lending

I. Product Name

International Commercial On-lending

II. Product Introduction

International Commercial On-lending refers to funds raised through on-lending arrangements where domestic branches of China Construction Bank act as the on-lending bank, signing loan agreements with lenders, while simultaneously entering into corresponding on-lending agreements with enterprises. If enterprises require low-cost overseas funds, they may apply to China Construction Bank for International Commercial On-lending services.

III. Product Features

(1) Leverage the price advantage of overseas funds to effectively reduce customers' financing costs;

(2) Flexible financing tenor, available for short, medium, and long-term loans;

(3) Can be integrated with various internal credit products, offering wide applicability;

(4) Utilizes China Construction Bank's external debt quota, exempting customers from external debt registration procedures.

IV. Application Conditions

(1) Corporate credit rating meets requirements, with good credit standing and no adverse records;

(2) Enterprises must be non-financial enterprises, excluding government financing platforms and real estate enterprises;

(3) Compliant with relevant industry and customer credit policy regulations.

V. Application Channels

Customers may contact their dedicated relationship manager to apply.

Cross-border Financing Risk Participation

I. Product Name

Cross-border Financing Risk Participation

II. Product Introduction

Cross-border Financing Risk Participation refers to a service where domestic clients entrust domestic branches of China Construction Bank to apply to overseas institutions, with China Construction Bank's domestic and overseas institutions providing cross-border financing support for clients. Enterprises with financing needs for domestic operating turnover may apply to China Construction Bank for Cross-border Financing Risk Participation.

III. Product Functions

(1) Utilize low-cost funds from overseas markets to meet enterprises' financing needs for domestic operating turnover;

(2) Broaden financing channels for technology-based small and micro enterprises and reduce comprehensive financing costs;

(3) Meet the operating turnover needs of head enterprises or member units under the scenario of cross-border centralized fund management for multinational corporations.

IV. Eligibility

Enterprises legally registered within China as large or medium-sized enterprises; or technology-based small and micro enterprises;

Limited to non-financial enterprises, excluding government financing platforms and real estate enterprises.

V. Channel

Contact your dedicated relationship manager for processing.

VI. Notes

Enterprises must complete external debt filing and registration in accordance with policy requirements.