U.S. Ex-Im Bank Trade Financing Solutions in China 美国进出口银行 对华贸易融资方案简介 By Peng Aiqun U.S. Embassy Commercial Section 美国驻华大使馆商务处彭爱群 中国，哈尔滨 2011年8月

I. 美国进出口银行简介； II. 美国进出口银行在华业务简介； III. 美国进出口银行在华主权担保融资 简介

I. 美国进出口银行简介 Official export credit agency (ECA) of the US Government Mission: Support US exports; Supports short, medium, and long-term financing to creditworthy international customers both public- and private-sector; Products include Direct Loans, Guarantees, Export Credit Insurance, Working capital Guarantees, Tied Aid Fund 使命：通过其出口信贷保险，贷款担保和直接贷款来帮助美国产品和服务出口海外 Since establishment in 1934: supported more than $400 billion in US exports 自1934年成立以来: 已支持了超过4千亿美元的美国出口额

美国进出口银行 – 美国政府机构 美国国务院 U.S. Department of State gives foreign policy guidance – U.S. Embassies 美国商务部 U.S. Department of Commerce provides information, counseling and expertise - FCS 美国贸易发展署 U.S. Trade and Development Agency provides project planning funding and assistance 美国进出口银行 U.S. Export-Import Bank finances exports through varied term programs and insurance OPIC provides project finance and investment insurance

U.S. Ex-Im Bank Chairman and President 美国进出口银行董事长行长 Fred P. Hochberg President Barack Obama nominated Hochberg to the position on April 20, 2009. The U.S. Senate confirmed his nomination by unanimous consent on May 14, 2009, for a term ending on January 20, 2013. He was sworn in as chairman and president on May 21, 2009.

In FY2010, Ex-Im Bank authorized $24 In FY2010, Ex-Im Bank authorized $24.5 billion in loans, guarantees and export-credit insurance, which will support an estimated $34.3 billion of U.S. exports to markets worldwide. 2010年财年期间，美国进出口银行授权245亿美元的资金支持了约343亿美元的美国产品的出口至全球市场 , 比2009年增长了30%

Provides financing support for the purchase of US goods and services Assumes credit and country risks the private sector unable or unwilling to accept without support Does not compete with private sector banks Requires reasonable assurance of repayment: Debt service ability; Adequate capitalization 针对购买美国产品和服务提供融资支持 承担私有机构不能或不愿意接受的信贷和国别风险 不与商业银行竞争 要求合理的还款保证：借贷能力; 足够的资本要求

Benefits to Foreign Buyers 带给国外买方的优点： IMPROVED CASH FLOW 改善的现金流 LOWER INTEREST RATES 降低的贷款利息 EXTENDED TERMS 延长的偿还期限 ESTABLISH CREDIT RECORD 增强的国际信用形象

II. 美国进出口银行在华业务简介 Ex-Im Bank fully available for public and private sector transactions in China.美国进出口银行对中国政府机构和私营部门提供其所有业务（短期、中期、及长期贸易的信贷支持）。 If the Chinese Government is the buyer/borrower: guarantee from MOF is required 如果中国政府机构或公共部门是买方或借贷方：需要中国财政部的担保。 If the buyer/borrower is a Chinese private sector company: three most recent years’ financial statements in English and audited by an international auditing firm is required 如果中国私营公司是买方或借贷方: 需要其提供近三年的公司财务英文报表，并需通过一家知名国际审计公司审计，且有审计师的注解和说明。 Ex-Im Bank is also available for aircraft finance and project finance in China 美国进出口银行在华还提供飞机融资和项目融资

美国进出口银行与中国财政部的框架协议 On the January 2005 Ex-Im Bank visit, Chairman Phillip Merrill and Vice Minister of Finance Liao Xiao-jun of China’s Ministry of Finance signed a Master Framework Agreement to “provide an efficient procedure whereby the Ministry may guarantee payment of obligations of a Chinese buyer of Ex-Im Bank-financed U.S. exports.” 2005年1月24日，前任美国进出口银行董事长行长Phillip Merrill 与 中国财政部廖晓军副部长在北京签署了《中华人民共和国财政部与美国进出口银行的框架协议》。根据该协议，美国进出口银行将提供出口信贷保险、贷款担保或直接贷款以支持美国对华出口，中国财政部将向美国进出口银行提供相应的主权担保。

参考财金[2005]121号 主权担保融资：是指根据框架协议，美国进出口银行向中国国内银行或其他借款人直接提供贷款，或为美国金融机构提供的贷款或出口信贷保险提供担保，由财政部向美国进出口银行提供相应主权担保的融资； 主权担保融资的项目，必须符合国家产业政策，并主要用于引进美国的先进技术和设备； 主权担保融资形成的债务属于我国政府或有主权外债，由财政部纳入主权外债统一归口管理。主权担保融资的项目，由国家发展改革委按照政府投资项目进行管理

MOU Between Chinese Ministry of Finance and U.S. Ex-Im Bank 2007 On November 28, 2007, M.O.U. between the Ministry of Finance and the U.S. Ex-Im Bank, on duty exemption, U.S. Ex-Im Bank guarantee percentage and approval procedures: e.g., the U.S. content should be at least 50% of the commercial contract; a single project’s loan amount should be over $2 million etc. 2007年11月28日，中国财政部和美国进出口银行就框架协议签署谅解备忘录，明确美国进出口银行主权担保融资（享受外国政府贷款税收优惠政策）项目的有关实施原则和程序：例如，规定美国产品和服务比例不能低于项目合同金额（含中国国内采购）的50%；单个项目贷款金额不得低于200万美元。

美国进出口银行在华主要业务列举 交通运输 医疗设备 铁路建设和维护 环保产品 农业设备 广电/ 教育设备 计算机设备 石油化工

Ex-Im Bank’s Special Program for Medical Equipment美国进出口银行针对医疗设备的融资贷款方案 The Medical Equipment Initiative (MEI) offers solutions to increase the export of medical equipment from U.S. companies to international (Chinese) buyers that would not go forward without Ex-Im Bank support.医疗设备融资贷款方案主要支持国际（中国）买方进口美国公司的医疗设备而提供的融资方案 The MEI includes creative financing structures and enhanced coverage.医疗设备融资贷款方案包括灵活的融资结构和增强的融资保障：可以利用各种方式保障有偿还能力的买方得到融资 Repayment terms: Terms up to seven years will be offered for medium-term transactions when consistent with the expected life of the product还款条件：针对中期贷款担保，依照产品的使用寿命，偿还期可长达7年

III. 美国进出口银行对华主权担保融资简介 Covers commercial lenders against repayment risks on foreign buyer’s debt obligation 为商业贷款方对国外买方的还款的风险提供保障 Protects 100% of principal and interest on 85% of commercial contract – foreign buyer required to make 15% down payment 对商业合同金额的85%部分提供100%本金和利息的担保 – 国外购买方需付15%的定金 Guarantees commit full faith and credit of the US Government 此担保代表了美国政府的主权信誉 Advantages to foreign buyers / borrowers: 带给国外买方或借贷方的优点: Longer credit terms 延长的偿还期限； Lower interest rates 降低的贷款利息; Increased international credit profile 增强的国际信用形象

Medium- and Long-Term Financing中期和长期融资 Medium-Term Loan Guarantees generally used for US capital equipment, projects, and services: Up to 5-year and exceptionally 7-years repayment terms 中期贷款担保通常用于购买美国固定设备，项目和服务：五年以下偿还期限；针对医疗设备，偿还期可长达7年； Long-Term Loan Guarantees generally used for buyer financing of very large items and project finance: Over 7-year repayment terms or over $20 million 长期贷款担保通常用于购买非常大宗的物品和项目融资：偿还期为7年以上或贸易额为2000万美元以上

美国进出口银行主权担保贷款转贷结构 MGA 中国财政部 China MOF 主权担保 Sovereign guarantee 美国进出口银行 US EXIM MGA 国外贷款银行 Lending Bank 中国转贷银行 Chinese on-lending bank 提供贷款Lending 转贷 On-lending 项目单位/进口商 End-user/Importer 出口商 Supplier 出口资本货物及服务exports goods and services

介入美国进出口银行前所需步骤(从美方角度)： Foreign buyer and US seller sign commercial contract (may be subject to Ex-Im support) 国外买方和美国出口商签订商业合同 Foreign buyer asks US seller for financing 国外买方要求美国出口商安排出口融资 US seller / foreign buyer locate commercial bank with Ex-Im Bank Master Guarantee Agreement (MGA) to seek financing 美国出口商和/或国外买方确定与美国进出口银行有担保总协议（简称MGA)的国际商业银行（在美国境内注册的）来寻求贷款; 目前在华得到美国进出口银行担保的外资商业银行列举：花旗银行，汇丰银行，法国巴黎银行，JP摩根大通银行，美国银行，西班牙桑坦德银行等等

MGA Lender offers financing terms to foreign buyer—buyer accepts terms and conditions; MGA lender is responsible for collection of credit documents and all necessary materials, evaluates the transaction. 有MGA的国际商业银行为国外买方提供融资条款 – 买方接受条款和条件 Chinese Ministry of Finance currently designated the following Chinese banks as the on-lenders: China Ex-Im Bank, ICBC, China Construction Bank, Bank of China, Bank of Communications, Agricultural Bank of China and China Development Bank 中国财政部目前可以指定如下7家中国国内银行作为转贷行：中国进出口银行，中国工商银行，中国建设银行，中国银行，交通银行，中国农业银行和国家开发银行

MGA Bank files the final application to Ex-Im Bank MGA Bank files the final application to Ex-Im Bank. 有MGA的国际商业银行向美国进出口银行提交最终申请 Chinese Ministry of Finance sends letter of sovereign guarantee to the U.S. Ex-Im Bank 中国财政部向美国进出口银行发出主权担保信函 Ex-Im Bank Process Begins 美国进出口银行开始处理国际商业银行的贷款担保申请。

美国进出口银行联系方式 Start with Letter of Interest 交易的任何相关方可以从向美国进出口银行 申请意向书开始 Internet: http://www.exim.gov U.S. Embassy Commercial Section, China 美国驻华使馆商务处 Contact: Peng Aiqun 彭爱群女士 Tel: (8610)85313947 Email: aiqun.peng@trade.gov;