1)Corporate Deposit
a)Current Deposit
Corporate current deposit is one kind of deposit that can be saved and withdrawn at any time, with its interest counted on interest settlement term. It is mainly transacted through cash or transfer. The current deposit can be divided into basic deposit account, general deposit account, temporary deposit account and special deposit account. It is characterized by unfixed term and easy deposit.
b)Time Deposit
Time Deposit is to agree on the terms and interest rate by both the bank and depositor prior to the deposit, and to withdraw principal and interest by the due date. Time Deposit is applied to settlement and withdrawal from the account of time deposit. As for temporary use, customers should apply for advance drawing or partly advance drawing.
c)Agreement Deposit
Corporate Agreement Deposit is based on the 'Agreement Deposit Contract' signed by customers and the bank, which decides on the terms and line of basic deposit withheld in settlement account. Interests of savings within the line of basic deposit should be counted at rate of current deposit on the day of settlement or withdrawal. Interests of savings exceeding to the line of basic deposit should be settled at rate of agreement savings publicized by People's Bank Of China on the day of settlement or drawing, which is higher than the interest of current deposit and lower than that of the 6-month-time deposit.
d)Corporate Call Deposit
Corporate Call Deposit is a sort of deposit, the term of which is not determined on occasion of deposit and which can be withdrawn only after notifying financial organizations first for determining the concrete withdrawal date and amount.

2) Financing Class of Business
a)Project Loans
The Project Loans refer to the ones that ICBC grants to borrowers for their investment projects in building up, expanding, renovating, developing, and purchasing fixed assets.
The project loans have flexible loan terms. ICBC generally grants middle and long term project loans, and also short term ones for temporary turnaround requirements.
b)Banking Syndicate Loan
Banking syndicate loan is the loan or other authorizations provided by a syndicated group constituted by multiple qualified banks or other financial institutions towards the same borrower based on the same loan condition and agreement.
c)Trade Financing
(1)Import Documentary Bill
When your company needs to pay foreign exchange to outside under the L/C or collection terms, ICBC offers import documentary collection services to solve your liquidity. ICBC will make payment to your overseas exporter and get back the shipping documents for your company to start processing or sales.
(2)Import T/T Financing
If the payment term for your supplier's goods is cash on delivery, ICBC provides import T/T financing for your payment to help you solve cash turnover problems. Your company will be more recognized by your supplier because of your fast remittance.
(3)Shipping Guarantee
This guarantee aims at avoiding high demurrage charges or price fluctuations in situation when your import goods under the ICBC LC have been arrived at the destination before shipping documents. ICBC provides the guarantee for you to take delivery of goods before the original bill of lading arrives.
(4)Bill of Lading Endorsement
When the L/C you opened in ICBC stated that all shipping document are in favor of ICBC, ICBC has to endorse the originals before you can collect goods. Come to ICBC with the originals of your shipping documents for ICBC to endorse so that you can proceed to take charge of the goods.
(5)Packing Loan
Packing loan is a financing facility extended to you to cover the cost of goods, material, production and shipment prior to export of the goods under the L/C you received from your overseas importer. After shipment, you submit the document to ICBC for negotiation against the L/C and return the packing loan once you receive the payment of goods from overseas.
(6)Outward L/C Documentary Loan /Discount
Outward L/C Documentary Loan: After you submit all documents against Demand or Time L/C, ICBC can provide you outward L/C documentary loan for financing before receipt of payment of goods form Issuing bank, with the full set of documents against the L/C you provided as a mortgage.
Outward L/C Discount: After you submit all the documents against Time L/C and a commitment of payment has been received from the Issuing Bank, ICBC can provide you outward L/C discounting for financing before you receive payment of goods from Issuing Bank.
(7)Export Collection Documentary/Discount
Export Collection Documentary: After you submitting all the documents against export documentary collection, ICBC grants financing facility to your company before receipt of payment of goods from the importer, using the export bills of exchange (including demand bills and time bills not accepted) as the pledge.
Export Collection Discount: After you submitting all the documents against time export documentary collection and a commitment from importer to accept the time draft, ICBC grants financing facility to your company before receipt of payment of goods from the importer.
(8)Export Invoice Financing
When you and importer agree to settle on a term of credit sale, ICBC can provide you export invoice financing if necessary, as long as you submit the commercial invoice and other documents.
(9)Import Factoring
ICBC Import Factoring is a service to increase your company credibility to your exporter when your company chooses to settle the import by credit sale or documents against acceptance. As requested, ICBC accepts the account receivables transferred from your exporter as a credit guarantee or account management service for your company.
(10)Forfaiting
After you submitting all the documents against Time L/C and a commitment of payment has been received from the Issuing Bank, ICBC grant your company financing facility without recourse before receipt of payment of goods from Issuing Bank.

3)International Settlement
a)Letter of Credit
L/C is a sort of guarantee document issued by the issuing bank to the beneficiary applied by applicant to make sure that the issuing bank will perform the payment liabilities in accordance with the defined documents.
(1) As for whether the draft under the Letter of Credit is enclosed with shipping documents or not, it can be divided: Documentary letter of credit，Clean letter of credit
(2) By different payment time, it can be divided: Sight letter of credit, Forward letter of credit，Anticipatory letter of credit .
(3) As for whether the beneficiary can assign the rights under the letter of credit or not, it can be divided: Transferable letter of credit ,Non-transferable letter of credit.
(4) Varieties of other special letters of credit:Back to back letter of credit,Revolving letter of credit Counter letter of credit .
b)Collection Settlement
It means that principal (creditor) submits financial bills or/and commercial bills to bank (remitting bank) for requiring the collecting bank to collect funds from the payer (debtor) through connected or agency bank (collecting bank).
c)Remittance
It is a way of settlement in which remitter entrusts bank to transfer the funds to receiver, including the following three forms:
(1)Telegraphic Transfer or T/T, a remittance method in which to instruct the remitted bank to pay the remittance to the remittee through telegraphic or SWIFT manners based on the application by remitter.Its features are: fast, secure, convenient and high cost, generally applied to the remittance with large sum or urgent remittance.
(2)Mail Transfer or M/T, a remittance method in which the remitting bank, based on the application by the remitter, sends the mail transfer trust deed to the receiving bank through post office or express companies, and authorizes the receiving bank to pay the remittance to the receiver.Its features are: low cost but slowly delivery of remittance.
(3)Banker's Demand Draft, or D/D, is a remittance method in which upon the application of remitter, the remitting bank issues the demand draft taking its overseas branch bank or collecting bank as the paying bank, and gives it to the remitter for sending by his own or going abroad in person and withdrawing the remittance upon the draft. Banker's demand draft is very flexible and simple but there are risks of losses or damages of the draft, applicable for mail order or payment for all kinds of expenses.
(4)Letter of Guarantee
A Letter of Guarantee is an applicant’s request in the form of guarantee issued to the relevant beneficiary performed on the applicant's obligation to provide security.The bank operation fee and charge are defined according to our bank settlement. The Letter of Guarantee includes a letter for CNY currency lending and agent bank acceptances. The applicant is requested to be a qualified banking business and financial institution.