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Credit Businesses

?(I) Self-operated loan services

1. Working capital loans

SFC issues working capital loans to member companies to cover their shortage in the working capital for production and operation. Working capital loans include general working capital loans and working capital revolving loans. If there are demands for foreign exchange funds, SFC can handle short-term working capital loans in foreign exchange or working capital revolving loans in foreign exchange.

Features

Rapid loan approval and flexible service modes;

Flexible loan period, allowing withdrawal based on real loan usage schedule and prepayment with the consent of SFC.

2. Fixed asset loans

SFC extends fixed asset loans to member companies to accommodate their long-term capital needs in engineering construction, technology, equipment procurement and installation in connection with infrastructure or technical renovation projects. Fixed asset loans include capital construction loans and technical renovation loans.

Features

  • Rapid loan approval and flexible service modes;
  • Flexible loan period, allowing withdrawal based on real loan usage schedule and prepayment with the consent of SFC.

Consortium loans

Consortium loans, also known as syndicated loans, refer to the loans initiated by SFC or a bank, participated by several banks, and issued to the same borrower under the same loan agreement according to agreed conditions.

Features

  • Joint loan extension by financial institutions with capital strength;
  • Flexible loan period, allowing withdrawal based on real loan usage schedule and prepayment with the consent of SFC.

?(II) Entrusted loan business

It refers to the business that SFC, under the entrustment of member companies, issues, monitors the usage and assists the collection of funds as per the borrower (members-only), purpose, amount, period and interest established by the principals.

Features

  • Helping the principals broaden the channels to use idle money and increasing capital gains;
  • Leveraging on SFC's strong points in improving the risk prevention system and enhancing capital management;
  • Simple and convenient formalities with lower handling charges.

(III) Financial leasing business

Financial leasing business provided by SFC mainly covers direct leasing and leaseback leasing.

Direct leasing refers to the business that in light of the requirements of the lessee (member company), SFC enters into the purchase contract with the seller or purchasing agent, pays for the leased property, rents out the leased property to the lessee for usage, collects rent from the lessee by installment, and transfers the ownership of the leased property to the lessee as per the residual value upon the expiration of the lease term.

Leaseback leasing is the business that the lessee (member company) sells its own asset to SFC and leases back the said asset. It is a special mode of financial leasing where the lessee and the seller are the same person.

Features

Rental fee paid by installment, imposing small capital pressure;

Equipment renewal accelerated, increasing economic benefits.

?(IV) Buyer credit business

It refers to the credit business that in the industrial chain transaction whereby member companies are the sellers and external buy-side enterprises are the buyers, SFC provides financing for eligible external buyers to purchase the products of member companies.

Features

  • Beneficial for member companies to expand business scale and cultivate a sound trade partnership;
  • Helping rationalize settlement relationship, reduce receivables and alleviate the financial pressure of the buyers;
  • Carefree withdrawal, convenient repayment and effective improvement in the rate of capital turnover;
  • High credit limit and simple and convenient formalities.?

?(V) Factoring business

This business covers comprehensive financial services provided by SFC for the creditors of member companies who transfer their receivables of the debtors of member companies to SFC, including the collection and management of receivables, full protection against bad debts and financing.

Industrial chain factoring business covers comprehensive financial services provided by SFC for the creditors of non-member companies of Sinopec Group who transfer their receivables of the debtors of member companies to SFC, including the collection and management of receivables, full protection against bad debts and financing.

Features

  • Strengthening the commercial credit relationship and partnership between the buyers and the sellers;
  • Speeding up the capital turnover of the sellers, improving financial statements, expanding financing channels, and rapidly tackling the difficulties of the suppliers in the return of funds and financing;
  • Convenient and efficient formalities, and high financing amount which can be as high as 100% of the net amount of receivables;
  • Low commission rate, preferential interest rate made accessible to clients, and no commission charged temporarily.

(VI) Guarantee business

SFC's guarantee business includes non-financing guarantee and financing guarantee. Non-financing guarantee refers to that SFC accepts the requirements of member companies under the transaction, contractual relationship, economic relationship and other transactions, and makes the written commitment on payment guarantee to the other party of the transaction concerning the fulfillment of some responsibility or obligation in the transaction, i.e., it will undertake the responsibility for paying certain amount or paying economic compensation within a specific period. SFC's non-financing guarantee mainly includes bid bond, performance bond, engineering maintenance bond, payment bond, advance payment refund bond, and retention guarantee, among other types.

Features

  • Commercial credit replaced by bank credit facilitates the fulfillment of contractual obligations;
  • Extensive range of application and diverse and flexible types meet the credit enhancement demands of member companies;
  • Lower handling charge saves financial expenses.?
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