Project Loan
A project loan refers to the loan granted by our bank to borrowers for the construction, expansion, renovation, development, or acquisition of fixed assets for investment projects. Project loans have flexible terms. Generally, our project loans are medium- to long-term loans, but there are also short-term project loans to meet temporary working capital needs for specific projects.
Syndicated Loan
A syndicated loan refers to a loan provided by a group of banks or other financial institutions that are authorized to engage in lending business. These institutions form a syndicate, offering the loan to a single borrower based on the same loan terms and using the same loan agreement.
Working Capital Loan
A working capital loan is a loan provided by our bank to meet the reasonable, continuous capital usage needs of high-quality borrowers in their daily operations. The repayment of the loan is secured by the borrower’s future comprehensive income and other lawful sources of income.
Domestic Guarantee for Foreign Loan
In this type of business, a branch of the Industrial and Commercial Bank of China (ICBC) in China provides a guarantee, while the Milan branch of ICBC provides the loan.
Foreign Guarantee for Domestic Loan
In this type of business, the Milan branch of ICBC provides the guarantee, while a branch of ICBC in China provides the loan.
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