Composite Financing

Combination financing model	Future goods right under L/C Model	This is the financing credit business of CMBC as applied for by the customer that CMBC issues conditional payment commitment (L/C) to upstream supplier of credit applicant and undertakes to perform the obligation of payment towards the supplier on the premise that the documents comply with all terms of the letter of credit, and uses future goods right under L/C as the guarantee.
	Easy purchase and selling model (guaranteed sending out of goods+ stipulated refund)	This is the financing credit business of CMBC as applied for by the customer that CMBC pays the purchase price for the credit applicant to procure goods from upstream suppliers, the suppliers undertake to send the goods directly to downstream purchaser after receiving the purchase price, and downstream purchaser undertaks to refund the purcahse price directly to the account opened by the applicant with CMBC after receiving the goods.
	Marine-land-warehouse(in transit supervision) model	This is the financing credit business of CMBC as applied for by the customer that uses the goods lawfully owned by the credit applicant (or third party) as the collateral, and the third party warehousing enterprise entrusted by CMBC transports and supervises the goods after the goods leave the factory, handles pledge procedure in transit until the goods enter in designated warehouse.