又称为辛迪加贷款（Syndicated Loan），是由获准经营贷款业务的一家或数家金融机构牵头，多家银行与非银行金融机构参加而组成的银行集团（Banking Group）采用同一贷款协议，按商定的期限和条件向同一借款人提供融资的贷款方式。
United Financing Lease: The model of Syndicated Loan, effectively expanding financing amount
● Products Introduction
Syndicated Loan is financing model offered by a group of Banking Group in which one or more financial institutions approved for loans service work jointly with several banks and non-bank financial institutions to provide funds to a single borrower under the same terms of loan agreement at the agreed time and in agreed conditions.
● Applicable Clients
High-quality key clients and clients demanding substantial funds
--Fully development of overall functions: it can unite lenders to expand leverage ratios for high-quality clients.
--Increasing lines of credit: it can support development of clients by accumulation of lines of credit from lenders in a project.
--Efficient diversification of risks: it can understate business through observing the principles of information sharing, examination and approval, decision-making and bearing risks independently to avoid the risks.
● Application process:
--Clients Application. Client should make an application in which includes type of financing required and relevant conditions, and states the plan of the use of funds and repayment.
--Insurance of Power of Attorney. Clients should provide the POA and entrust a financial institution that take the lead in organizing the Banking group and undertaking business.
--Signing of Agreement. Financing agreement is signed by lender and client upon relevant conditions is implemented, and the terms of the Financing are stated in the agreement formally.
--Usage of Loan. The Bank of Group should issue the loan for client to invest in the previously agreed project.
--Repayment. Clients should make repayment timely within the stated period.