Featured Products
(I) Future Usufruct under EPC Pledged Financing
1. Product Definition
It is suitable for an energy service company (ESCO) which, based on future usufruct pledge or other guarantee, applies to the bank for financing for the construction and operation of EPC project, and uses its share of energy-saving benefits as the major source of repayment.
2. Target Customers
ESCO.
3. Admittance Criteria:
The ESCO has operation experience in similar EPC project; the energy user has sound credit rating and strong financial condition.
4. Product Features
Based on pledge of future usufruct of EPC project or other guarantee, the financing will be used specially for the construction and operation of EPC project, and the ESCO’s share of energy-saving benefits will be the major source of repayment. There are fixed assets loan and current capital loan available. The term is flexible, and the period of fixed assets loan may as long as five years. By matching the repayment cycle to the payment collection cycle of the project, the applicant has no additional repayment pressure.
(II) Contract Environmental Service Based Financing
1. Product Definition
It is suitable for an environmental service company that applies financing from bank for the implementation, construction and operation of contract environmental service project, and uses the payment of environmental service by the purchaser or energy-saving benefits as the major source of repayment.
2. Target Customers
ESCO
3. Admittance Criteria
The environmental service company has operation experience in similar contract environmental service project; the service purchaser has sound credit rating and strong financial condition.
4. Product Features
Based on pledge of future usufruct of contract environmental service project or other guarantee, the financing will be used specially for the construction or operation of contract environmental service project, and payment of environmental service by government or enterprises purchaser will be the major source of repayment.
(III) Carbon Assets Pledge Based Financing
1. Product Definition
Based on the pledge by carbon assets held by the applicant, the Bank provides enterprises with financing.
2. Target Customers
It is suitable for the owners of carbon emission reduction project. They can apply for financing to support the construction and operation of project with the pledge of tradable carbon assets.
3. Admittance Criteria
The project has been registered with relevant organization and the carbon assets are tradable.
4. Product Features
By using tradable carbon assets as the major pledged goods, it vitalizes future carbon assets for enterprises.
(IV) Emission Rights Pledged-based Financing
1. Product Definition
It is suitable for pollution emission enterprises that apply financing from bank by pledging its purchased emission rights, or such enterprises that apply special financing for purchasing emission rights and use such rights as the major collateral.
2. Target Customers
It is suitable for pollution emission enterprises that apply financing from bank by pledging its purchased emission rights, or such enterprises that apply special financing for purchasing emission rights and use such rights as the major collateral.
3. Admittance Criteria
Enterprises have Permit for Pollution Emission, and their pollutants discharged do not exceed the standard set forth in the Permit; the emission rights can be transferred with compensation in emission rights trading market and should be registered on pledge.
4. Product Features
By taking emission rights acquired by compensation as the major collateral, it creates a new financing guarantee method and innovative financing model for manufacturing enterprises.
(V) Energy Conservation and Emission Reduction (CHUEE) Financing
1. Product Definition
It includes fixed assets loan and current capital loan, which is suitable for customers that meet conditions for loss sharing, and the funds will be used for energy efficiency, new energy and renewable energy, carbon emission reduction and comprehensive utilization of resources.
2. Target Customers
SMEs that intend to implement energy conservation projects.
3. Admittance Criteria
The applicant has great potential and core competitiveness; the planned project belongs to energy efficiency improvement or application of renewable energy, while the minimum amount of energy saving for energy efficiency project is 15%.
4. Product Features
Introduce mechanism of loss sharing, lower the threshold of guarantee and solve the guarantee difficulties for enterprises; provide fixed assets loan and current capital loan; the repayment period can be determined according to the cash flow from the project and the operation condition of the enterprises, thus reducing the repayment pressure for the enterprises.
(VI) Structured Financing
1. Product Definition
It means the financing for energy conservation and environmental protection enterprises or project provided in a structured method.
2. Target Customers
By trust, assets management and other channels, it provides financing for energy conservation and environmental protection enterprises in a structured method.
3. Admittance Criteria
Quality large enterprises that own industrial advantages and quality assets.
4. Product Features
Customized design, simple procedure; the amount of single financing is large with flexible period.
(VII) Special Assets Management for Carbon Finance customers
1. Product Definition
It provides customers with professional portfolio management and value-added service on carbon assets.
2. Target Customers
Enterprises that are engaged in pilot carbon trading.
3. Admittance Criteria
Open a capital settlement account for carbon quota transaction in the Bank.
4. Product Features
Provide enterprises with portfolio operation management on carbon quota.
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