What are the eligibility criteria for borrowers of China Exim Bank loans? What loan products does China Exim Bank offer, and what preferential policies apply?

First, the Export-Import Bank of China (China Exim Bank) is a vital component of China’s foreign trade and economic cooperation support system and an important part of the national financial system. So, who qualifies for loans from China Exim Bank? Compared with commercial banks, China Exim Bank offers advantageous interest rates, prompting many enterprises to seek financing from it. It serves as the primary policy-based financing channel for exports of China’s mechanical and electrical products, complete equipment, high-tech products, overseas contracting projects, and various outbound investments; as the principal domestic lender for foreign government loans; and as the designated lender for China’s concessional foreign aid loans. So, what loan products does China Exim Bank offer, and what preferential policies apply? Below is a detailed explanation—let’s take a closer look. Any enterprise registered with China’s administrative department for industry and commerce and possessing independent legal person status—or any public institution qualified to borrow—may apply to China Exim Bank for transformation and upgrading loans. Applicants generally must meet the following conditions: (I) The borrower’s production and business operations comply with national laws and regulations; its credit standing is sound, with no major adverse records. If the borrower is a newly established project-specific legal entity, its controlling shareholder or actual controller must also maintain sound credit standing and have no major adverse records. (II) Where national regulations impose requirements on investor qualifications or operational licensing for the proposed investment project, the borrower must satisfy those requirements. (III) The borrower must provide repayment guarantees acceptable to China Exim Bank. (IV) The borrower must not be a local government financing platform. (V) Any other conditions stipulated by China Exim Bank. Loan Products Offered by China Exim Bank: (I) Import and export credits (seller’s credit and buyer’s credit) for capital goods such as mechanical and electrical products and complete equipment;

Overseas project financing: Export buyer’s credit business

5. Compliance and Legal Department: Responsible for standardized contract management, legal and regulatory review of business transactions, compliance risk screening, and legal risk prevention. IX. Real-World Case Studies I. Compliance-Based Implementation of Large-Scale Policy-Driven Financing in the Shipbuilding Sector A leading domestic shipbuilder exported three state-of-the-art Very Large Ethane Carriers (VLECs) to a Singapore-based buyer. The total commercial contract value amounted to USD 1.2 billion, qualifying the project as a key national initiative supporting the overseas expansion of China’s high-end shipbuilding industry. The bank, in collaboration with peer institutions, formed a syndicated loan facility providing 10-year export buyer’s credit. Strict adherence was maintained to regulatory standards for shipbuilding projects—namely, a maximum 80% loan-to-contract-value ratio and a mandatory 20% upfront cash payment. The project was fully insured under China Export & Credit Insurance Corporation’s (Sinosure) policy-based insurance program covering 95% of the loan value. Throughout the entire process, the project strictly complied with the substantive terms stipulated in Sinosure’s 2022 policy, with no contractual amendments or compliance deficiencies. As a result, the domestic exporter received full cash proceeds, while the bank achieved low-risk credit deployment backed by policy insurance—establishing a benchmark case for standardized financing of high-end vessel exports. II. Risk Management in Multilateral Syndicated Financing for Infrastructure Projects in Central Asia The China National Engineering Corporation’s soda ash plant infrastructure project in Kazakhstan had a total contract value of USD 380 million and was designated a flagship bilateral industrial capacity cooperation initiative between China and Kazakhstan. The bank adopted a multilateral syndicated financing structure, underpinned by Sinosure’s medium- to long-term export buyer’s credit insurance policy, comprehensively covering country-specific risks—including geopolitical volatility, foreign exchange controls, and policy shifts—in Central Asia. The project rigorously fulfilled statutory insured-party obligations, including registration of security interests, maintenance of principal-and-interest ledgers, and timely submission of required reporting data. The bank retained only a 5% compliant risk exposure, successfully achieving low-risk, standardized execution of this large-scale cross-border industrial infrastructure project—and establishing a replicable model for cross-border engineering finance in Central Asia. III. Successful Claims and Recovery Execution in Standard Practice In a 10-year export buyer’s credit transaction for bulk carriers, the overseas shipowner suffered a liquidity crisis due to a cyclical downturn in global shipping, resulting in overdue principal and interest payments. The bank strictly observed statutory timeframes under Sinosure’s 2022 policy: submitting a ‘Notice of Potential Loss’ within 30 days of becoming aware of the risk; assembling complete claim documentation within 12 months of the scheduled payment date; and fulfilling the mandatory 90-day waiting period. Sinosure accordingly paid out 95% of the overdue principal and interest, as stipulated. Subsequently, the bank cooperated with the insurer in debt registration, asset disposal, and debt restructuring efforts, ultimately recovering the full amount. No substantive credit loss occurred for the bank. This case clearly demonstrates that strict adherence to policy obligations and statutory deadlines is essential to securing insurance payouts and avoiding credit losses. IV. Warning Case: Rejection of Claim Due to Major Compliance Violation In an export buyer’s credit transaction involving mechanical and electrical complete equipment, after loan disbursement, the handling staff failed to follow prescribed insurance compliance procedures. Without obtaining prior written approval and an official endorsement from Sinosure, they unilaterally negotiated with the overseas borrower to extend the loan term and revise the repayment schedule—constituting a serious violation involving unauthorized amendment of material contractual terms. Later, the overseas borrower declared bankruptcy, causing full loan default. When the bank filed a claim with Sinosure, the claim was rejected due to the insured party’s material breach of policy obligations. Under the 2022 policy terms, Sinosure exercised its right to deny coverage entirely, leaving the bank solely responsible for the full credit loss—which ultimately became a non-performing asset. Core Compliance Alert: Any modification to material contractual terms—including loan tenor, effective interest rate, repayment schedule, or guarantee conditions—must receive prior written consent and an official endorsement from the insurer. Unapproved changes—whether made informally, verbally, or retroactively—constitute serious violations that automatically trigger policy exclusions, entitling the insurer to reject claims in full.

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