Introduction
The Export Tax Rebate Custody Loan refers to a short-term working capital loan backed by accounts receivable from the export tax rebate granted to the exporter. Under such arrangement, Hua Xia Bank helps the exporter in resolving short-term funding difficulties due to undue funding of export tax rebate under the precondition where Hua Xia Bank exercises custody over the company's export tax rebate account.

Functions and Features  
It alleviates the short-term funding difficulties of companies due to insufficient export tax rebate. It also partly resolves the mortgage security problems of loans and fosters exportation. 

Target Clients 
Exporters with import/export licence, good credit record at Hua Xia Bank, and good business prospects, having a settlement account and export tax rebate account with Hua Xia Bank and appointing Hua Xia Bank as the main bank of import and export settlement. 

Currency and Tenor
RMB is the sole eligible currency in service. The loan tenor for custodian export tax rebate account for one order within the credit line depends on the cycle of tax rebate and is normally within 6 months with maximum tenor of one year. 

Interest Rate 
The loan interest rate is executed as per short-term liquidity RMB loan interest rate listed in loan interest rate table published by Hua Xia Bank. 

Application Materials
1) Credit application; 
2) Corporate information and articles of association; 
3) Business licence, certificate of tax registration, corporate code certificate, loan certificate (card), capital verification report for the registered capital or statement of funding source, certificate of import/export licence; 
3) Resolutions or letter of authorization of company's authorized institution permitting loan application; 
4) ID document of the legal representative or the letter of authorization, CV, and photocopy of the ID document of the authorized agent; 
5) Financial statements of recent three years audited by a CPA (auditing) firm and the most recent financial reports; 
6) Certificate of company's tax rebate account and confirmation letter from the tax authority, company's export tax rebate track record of the past three years; and 
7) Other documents as required by Hua Xia Bank.