联合租赁——银团贷款模式,有效放大融资金额


  ◆  产品概况  

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。

 

  ◆  适用客户  

优质大型客户,融资需求量大的客户。

 

  ◆  产品优势  

(1)充分发展整体功能  能够有效的联合资金方开展联合作业,针对优势客户放大杠杆比例。

(2)扩大授信额度 同期开展作业,针对同一项目开展协同工作,能够将各家额度累加,有效支持客户发展。

(3)有效分散风险 遵循信息共享、独立审批、自主决策、风险自担的原则开展业务,有效规避风险。

 

  ◆  申办流程  

    (1)客户申请。由客户提出申请,列明所需融资类型及相关条件,阐明用款计划和还款计划。

    (2)出具委托书。客户出具委托书,委托执行金融机构组织银团贷款,由执行金融机构作为牵头机构开展业务。

    (3)签约。相关条件落实完毕由资方和客户方签订融资协议,正式确定融资条款。

    (4)使用贷款。银团发放贷款,客户资金投资于此前申请约定的项目。

    (5)还款。大道约定期限后客户正常还款。





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


● Advantages  

--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.