招商银行最高额抵押合同英文版The maximum mortgage contract

THE MAXIMUM MORTGAGE

CONTRACT

October 2012

THE MAXIMUM MORTGAGE CONTRACT

Contract No.: Mortgagee: China Merchants Bank Co., Ltd. (hereinafter referred to as Party A)

Primary Personnel in Charge:

Mortgagor (legal person or other organization):

(hereinafter referred to as Party B)

Legal Representative/ Primary Personnel in Charge:

Mortgagor (natural person):

ID No.:

Whereas

1, The contract whose No. is signed by Party B(also as Credit Applicant) and Party A on (YMD)(hereafter referred as Credit Awarding Agreement), Party A is willing to provide to Party B line of credit(hereafter referred as “line of credit” )in (currency) in the amount of ( )(including other currency of the equivalent value) during the period of credit awarding (hereafter referred as “period of credit awarding” )from (YMD) to (YMD), or

2, The contract whose No. is signed by (hereafter referred as Credit Applicant) and Party A on (YMD)(hereafter referred as Credit Awarding Agreement ), Party A is willing to provide to Credit Applicant line of credit(hereafter referred as “line of credit” ) in(currency) in the amount of ( )(including other currency of the equivalent value) during the period of credit awarding (hereafter referred as “period of credit awarding” ) from (YMD) to (YMD).

Party B is willing to mortgage it’s property owned or disposable according to law, for the guarantee of repayment of debt to Party A in full and on time under Credit Awarding Agreement. Through verification, Party A agrees to accept Party B’s property owned or disposable according to law as mortgage. According to relevant laws and regulations, Party A and Party B enter into this contract with consensus, and both parties are willing to abide by following clauses.

Art. 1 Mortgaged Property of Party B (additional list of mortgaged property may be attached to this contract)

1.1 Name:

1.2 Quantity or area:

1.3 Location:

1.4 Assessment of price and mortgage rate:

1.5 Duration:

1.6 Certification of ownership:

Art. 2 Mortgage of Maximum Amount

2.1 In period of credit awarding, Party A shall have the right to provide Party B(or Credit Applicant) loan or other credit awarding by several times; Party B(or Credit Applicant) shall have the right to reuse the revolving line of credit by category of line, but not applicable for the One-time line of credit. The amount, duration and concrete uses of per loan or other credit awarding can be stipulated by specific contracts.

Both parties have no objection to that due date of specific business later than the due date of credit awarding period.

2.2 Thus Party B shall bear the warranty liability within the stipulated range of mortgage security guarantee in article 3 of this contract; If Party A claims for the recourse in according with the provisions under Credit Awarding Agreement or other specific contracts before the maturity of credit. Party B (or Credit Applicant) shall bear the warranty liability with mortgage property as well.

2.3 Bank credit business provided by Party A to Party B (or Credit Applicant) during the period of credit awarding, such as trade acceptance, establishment of a letter of credit (Including overriding letter of credit, the same below), L/G, letter of shipping guarantee etc.. Even though external advances of Party A may not occurred before, but indeed happened after the maturity of credit. Party B shall bear the warranty liability within the stipulated range of mortgage security guarantee in Article 3 of this contract.

2.4 For the renewal agreement or alteration of valid provision upon the duration, interest and amount of specific business during the performance of specific business under Credit Awarding Agreement, or the adjustment of interest rate on the basis of Credit Awarding Agreement and/or specific contracts during the mortgage guarantee period. Party B shall accept all this with no necessary to obtain the approval of Party B or notify Part B, and no effect to the mortgage guarantee responsibility of Party B stipulated by the contract as well.

2.5 If Party A’s received documents in letter of credit operation under credit awarding agreement be found to have discrepancy through Party A’s audit , but credit applicant accepted with the discrepancy, Party B shall also assume the mortgage guarantee responsibility with mortgage property for principle and interest of credit in Party A’s external acceptance or payment. Party B shall not propose the defense, not because of accepting with the discrepancy but without the approval of Party B or notify Party B.

2.6 The modification of L/C, L/G (or standby letter of credit), acceptance of usance letter of credit and extension of time for promised payment at maturity etc. Party B shall accept all this with no necessary to obtain the approval of Party B or notify Part B, and no effect to the mortgage guarantee responsibility of Party B stipulated by the contract as well.

Art. 3 Range of Mortgage Security Guarantee

3.1 The security guarantee range of this contract is sum of loan within the line of credit provided to Party B according to stipulation of Credit Awarding Agreement and principal balance of other credit(maximum limit is (currency) in the amount of ). And interest, default interest, compound interest, penalty ,fees to realize mortgage right and other involved expenses included as well. Including but not limited to:

3.1.1 The released balance of loan amount and corresponding interest, default interest, compound interest, penalty, fees to realize mortgage right and other involved expenses by Party A on the basis of specific contracts under Credit Awarding Agreement;

3.1.2 The balance of advance principle ,interest, default interest, compound interest, penalty ,fees to realize mortgage right and other involved expenses ,which has been pay advanced for Party B in the cause of the performance of Party A’s obligation of payment of Commercial Draft, L/C，L/G and letter of shipping guarantee under Credit Awarding Agreement;

3.1.3 The balance of principle of banking external payments ,interest,

default interest, compound interest, penalty ,fees to realize mortgage right and other involved expenses entrusted by Party A within the business of trade financing under Credit Awarding Agreement;

3.1.4 Party A’s account receivable creditor's rights transferred from Part B (or Credit Applicant), and corresponding overdue penalty (late fee) under factoring business. and/or the basic payment for purchase (basic purchasing funds) and relevant expenses of factoring paid by Party A to Party B（or Credit Applicant）;

3.1.5 After the establishment of a letter of credit interest requested by Party B (or Credit Applicant), Party A authorizes the branch of CMB bank to open the covering L/C for beneficiary. Balance of debt principle of import bill advance and shipping guarantee and expenses of default interest, compound interest, penalty and other involved for the opening of L/C, but also advance for the performance of the issuing bank’s rights under this L/C;

□3.1.6 The original credit awarding agreement No. ( ) signed by and between Party A and Party B. The part of the unpaid balance in the specific business carried out under the original credit awarding agreement since the execution of this contract. (Tick the box in case the provision herein applies.);

□3.1.7 The original contract No. ( ) /Date ( )/Name ( ) signed by and between Party A and Party B, and the unpaid balance in the specific business carried out under the aforesaid contract since the execution of this contract. (Tick the box in case the provision herein applies.);

3.1.8 Expenses for the enforcement of Party A’s right of mortgage and recovery of the Party B’s(or Credit Applicant) debt（including but no limited to attorneys' fees，legal fees,advertising fees,delivery fee and travel expenses etc.）.

3.2 As for revolving line of credit, if the provided loan or other balance of credit exceeds the amount, Party B (or Credit Applicant) shall not bear the warranty liability for the part in excess of the amount, but liability for the loan not yet exceeds credit amount or other balance of credit and interest, default interest, compound interest, penalty and other involved expenses.

Notwithstanding the foregoing, both parties clear and definite that: Even though the loan or other balance of credit exceeds the credit amount at a point in time during the credit awarding, but all kinds of

balance of credit no yet exceed the sum of credit amount when Party A requires Party B to assume the warranty liability. Party B shall not to propose the defense with aforesaid provisions, but bear the warranty liability for all balance of credit and interest, default interest, compound interest, penalty and other relevant expenses etc.（subject to the clause of Art.3.1）

Art. 4 Independence of the Contract

The contract is impendent and unconditional without the influence of Credit Awarding Agreement; nor any agreement/document signed between Party B(or Credit Applicant) and any person/organization; nor change due to cheat, reorganization, closing down, dismission, bankruptcy, audit, consolidation, separation, reform of a company of Party B(or Credit Applicant); nor the tolerance, grace or postponement in performance of the creditor’s rights and interests Party A shall enjoy on the part of Party B(or Credit Applicant) under Credit Awarding Agreement. Otherwise mortgage or guarantor at the same time, thus Party A waives the sequence of mortgages, waives, alters or annuls other mortgage, alters, annuls the liability of guarantor, or Party A requires Party B to assume the warranty liability first. Party B shall assume the liability warranty for Party A in according with the provisions of this mortgage contract.

Art. 5 Mortgage Period

Mortgage period means the period from the date of execution of this contract to expiration time of lawsuit of credit debt under Credit Awarding Agreement.

Art. 6Custody and liability of mortgaged property and ownership certificate

6.1 Within the period of mortgage, the mortgaged property shall be taken good care of by Party B or the agent entrusted by Party B, who is responsible for the repair and maintenance, and make sure that the mortgaged property is all preserved well, and subject himself to the supervision and inspection from Party B at any time.

6.2 Within the period of mortgage, should any decreases happen owing to the action of Party B, Party A has the right to request Party B to stop the action and restore the value or provide another mortgaged property with the approval of Party A. Any expenses of restoration or set of another mortgaged property will be undertaken by party B.

6.3 Party B shall provide to Party A the evidence documents and relevant materials of ownership of the mortgaged property on the date of the contract, and the original of Mortgage Registration Certificate shall be kept by Party B and taken good care of it. If due to improper storage the certificate of mortgaged property ownership supplied by Party B is lost, Party A shall be liable for the expenses of post-register.

Art. 7 Registration of Mortgaged Property

7.1Party B should cooperate readily with Party A to conduct mortgage registration at mortgage registration administration with this contract and relevant documents during the period of request of Party A.

7.2 Party B shall corporate readily with Party A In good faith to carry out relevant procedures by aforesaid provisions. If fail to complete the relevant procedures because of Party B, Party B shall deal with party A so suffered losses assume liability to pay compensation.

Art. 8 Insurance

8.1 As per the requested risks of Party A, Party B shall give a full insurance upon his mortgaged property, and Party A shall be first beneficiary. The originals of insurance policy shall be kept by Party A. The insurance term shall be longer than the stipulated credit term under the Credit Awarding Agreement. If term of credit under the agreement is extended or credit debt has not paid off at the maturity of credit period, Party B shall agree on the renewal insurance for the mortgaged property. If the insured property turns into a loss, Party A shall have priority right in withdrawing the principal and interest and all other relevant expenses from insurance compensation under Credit Awarding Agreement, or consult with Party B to place the insurance compensation on the margin account (the account number of margin is the real opened account by Party B in Party A, or automatically generated number when deposit the insurance compensation into system of Party A, the same below). For Withdrawing relevant funds/payment of payable when loan, discounted bill, acceptance bill or L/C and L/G under Credit Awarding Agreement meet to the maturity date.

8.2 If Party B fails to conduct an insurance or insurance term extending as art.8.1 stipulated, Party A shall have the right to deal with insurance term extending instead Party B, and the cost shall be taken on by party B.

8.3 If Party B (or Credit Applicant) fails to repay all the loan payable under Credit Awarding Agreement as expiration of policy, Party B shall conduct insurance term extending upon mortgaged property. If Party B fails to conduct

this, Party A shall have the right to deal with insurance term extending instead Party B, and the cost shall be taken on by party B.

Art. 9 Limits of Disposition of Mortgaged Property

9.1 Party A shall have no right to transfer the mortgaged property in the manner of sale, exchange, donate etc. during mortgage term under this contract. If Party B indeed needs to transfer the mortgaged property under this contract with compensation, it shall fulfill the following conditions:

9.1.1 Shall through the written approval of Party A and inform the transferee that the transferred property is mortgaged; if Party B fails to inform the transferee of the fact or without the written approval of Party A, the transfer shall be null and void.

9.1.2 If the proceeds expected from the transfer of the mortgaged property are evidently less than its value, which cannot compensate for credit amount and all other relevant expenses, Party A may demand that Party B provide an additional guaranty. if Party B fails to provide to additional guaranty, then may not transfer the mortgaged property;

9.1.3 Party B shall add the proceeds expected from the transfer of the mortgaged property to the account designated by Party A directly, for the prepayment of principle and interest of credit debt and all other relevant expenses, or deposit relevant funds into the margin account of Party B opened in Party A. Such funds shall be deemed to be specialized and Party A’s possession, proceed as the guaranty of pledge of Party B (or Credit Applicant) ‘s debt under Credit Awarding Agreement since the date of entering into the margin account. Party B shall have no objection to this and willing to cooperate to conduct relevant procedures in coordinate with Party A’s requirement.

After the full proceeds expected from the transfer of the mortgaged property has been added to the account designated by Party A, Party A may provide Party B help to conduct the cancellation of registration of mortgaged property and return the certificate of ownership back to Party B.

9.2 Party B shall not to transfer, rent out，remortgage, or other improper ways to dispose the mortgaged property without the written approval of Party A under the contract.

Art. 10 Expenses

Because of matter involving notarization (Except compulsory notarization) or services relied on third-party, consigner pay the expenses. But both parties shall bear half of fees if both as consigners.

If the national relevant policies etc. normative documents stipulated that the mortgagee shall undertake the mortgage registration fee, it shall be undertaken by mortgagee under this contract. Except otherwise provisions in normative documents or due to competent department of registration must be undertaken by mortgagor.

Mortgaged property under this contract shall be estimated by Party B’s entrusted assessment agencies which with the approval of Party A. As a client, Party B shall bear the assessment fee.

Art. 11 Alterations and Annulment

Either party shall not modify, change or cancel the contract unilaterally without authorization. The contract may be modified or cancelled once the two parties reach consensus and conclude written agreement. The contract shall still be valid before the written agreement is concluded.

Art. 12 Commitment for the division and merger of Party B

If the occurrence of division and merger etc. of party B within period of this contract, the organization after change shall wholly or respectively assume the obligation under this contract.

Art. 13 If any of the following occurs, Party A shall have the right to dispose the mortgaged property according to law:

13.1 One of the defaults stipulated in Article 10.1 Credit Awarding Agreement occurs to Party B (or Credit Applicant) , or the occurrence of defaults stipulated in specific contracts under Credit Awarding Agreement;

13.2 One of the defaults stipulated in Article 10.2 and 10.3 of Credit Awarding Agreement occurs to Party B or other pledgor/ guarantor, or Party B defaults on stipulated liabilities in this contract;

13.3 The occurrence of dead without a legal heir or donee, as Party B is a natural person;

13.4 Heir/devisee abandon inheritance/legacy, refuse to implement the obligations of repayment of debt, as Party B is a natural person;

13.5 The occurrence of closing down, deregistration or revocation of

business license,file for bankruptcy or dissolution etc., as Party B is a legal person or other organization;

13.6 Other matters that endanger enough to the implementation of creditor’s rights under Credit Awarding Agreement.

Art. 14 Responsibilities for Breach of Contract

14.1 Violate the stipulation of Article 6 of this contract, decreases happen owing to the actions of neglectful in management and repair of Party B, or Party B’s actions endanger the mortgaged property directly. Party A has the right to request Party B to stop the action and restore the value or provide another mortgaged property with the approval of Party A. if Party B refuses to restore or provide, Party A shall have the right to dispose the mortgaged property in accordance with law ahead of time.

14.2 Violate the stipulation of Article 9 of this contract, unauthorized disposition of mortgaged property shall be null and void; Party A has the right to request Party B to stop the injurious act to the mortgage rights of Party A and restore the value or provide another mortgaged property with the approval of Party A, or dispose the mortgaged property in accordance with law ahead of time.

14.3 The concealment of condominium, dispute, letting, sealed off, detained, configured mortgage rights, regulated or prior legal priority existing of guarantee（including but not limited to Construction project priority upon mortgaged property, or Party B has no ownership or right of disposition upon mortgaged property, thus causing a loss to a Party A. Party B shall provide another mortgaged property as Party A’s requirements.

14.4 If any of aforesaid default clause occurs and Party B fails to provide another mortgaged property as Party A’s requirements, then Party B shall bear penalty of __% of line of credit under Credit Awarding Agreement. thus causing a loss to a Party A，Party B shall also compensate for the whole economic losses.

Art. 15 The collection of Fruits

If Party B fails to repay the loan, advances, other principle and interest of credit debt and all other involved expenses at the maturity of credit, due to Party A’s claim for right of mortgage cause the mortgaged property be sealed off or detained by the People’s Court according to law. Party A shall be entitled to collect the natural fruits severed from the mortgaged property and the legal fruits which Party B may collect from the mortgaged property since the date of

being sealed off or detained.

Art. 16 Enforcement of Mortgage Right

16.1 If the occurrence of any single or multiple clauses in Article 13 or Article 14.1,14.2 of this contract, Party A shall have the right to choose one of the following ways for the enforcement of mortgage right:

16.1.1 Two parties reach an agreement on the conversion of the mortgaged property or the auction or sale of the mortgaged property directly, if fail to reach an agreement within 15 days since the occurrence of any single or multiple clauses in art.13 or art.14.1,14.2 of this contract, Party A shall have the right to petition a People's Court for the auction or sale of the mortgaged property directly;

16.1.2 Dispose the mortgaged property with stipulated method of dispute resolution under Credit Awarding Agreement according to legal procedure;

16.1.3 Party A shall apply to a competent People's court for compulsory execution directly under the contract after the notarization of compulsory execution effect was completed by two parties;

16.2 Party A shall have priority right in satisfying claim from the proceeds of disposition of the mortgaged property in aforesaid ways. If the proceeds from the conversion of the mortgaged property or the proceeds from the auction or sale thereof exceed the sum of every loan, advances or principle and interest of other credit debt and all other relevant expenses of Party B (or Credit Applicant) under Credit Awarding Agreement, the balance shall be returned to Party B; if the proceeds do not cover the claim, the difference shall be recourse by Party A.

Art. 17 Lapse of Mortgage Right

After Party B has clear off all the principle and interest of credit debt under Credit Awarding Agreement in full and on time at the maturity of credit period, the right of mortgage shall lapse automatically. The Certificate of Property rights of Party B and the policy of property insurance etc. retained by Party A Shall return to Party B.

Art. 18Not deemed to be waiver of the right

The tolerance, grace or postponement in performance of the rights and interests Party A shall enjoy during Credit Awarding Agreement toward any

breach of agreement or delay on the part of Party B(or Credit Applicant) during the validity period of the contract shall not damage, influence or restrict all the rights and interests Party A shall enjoy as the creditor according to the relevant legal provisions, and shall not deemed to be waiver of the right to take action against the existing or future breach of contract.

Art. 19 Notice

The notice and requests etc. related to the agreement between Party A and Party B shall be sent in writing.

If delivered by hand, the relevant documents shall be deemed to have been served on the addressee upon signing for receipt（In case the addressee refuses to receive the documents, such documents shall be deemed to have served on the date of refusal）; If delivered by mail, shall be deemed to have been served seven day after sent out; f delivered by fax, shall be deemed to have been served on the fax machine receiving for receipt.

Contact Address of Party A: ;

Contact Address of Party B:

Either party shall inform the other party in time in case of changing the contact address, otherwise it shall undertake all the possible losses incurred thereby.

Art. 20 Transfer of creditor's rights or mortgage

20.1When Party A transfers all the creditor’s rights to third party under credit awarding agreement, the right of maximum mortgage shall also transferred to the assignee, no matter whether the creditor’s rights to the maximum mortgage are confirmed.

20.2 When Party A transfers part of the creditor’s rights, the right of mortgage transfers partly with it, as the creditor's rights to mortgage in this contract has been confirmed. Party A shall share the right of mortgage with the assignee (who has been transferred part of the creditor’s rights) by the creditor’s rights that have not yet to be transferred, according to the percentage of amount of the creditor’s rights. When Party A transfers part of the creditor’s rights, the Party A’s right of mortgage transfers partly with it and the maximum amount of Party A’s principal claim secured by original maximum mortgage increases correspondingly (mean the maximum amount of Party A’s principal claim secured by original maximum mortgage deduct the amount of transferred party of creditor’s rights) before the creditor's rights to mortgage in this contract confirmed. After the part of the principle creditor’s

rights that have not yet to be transferred be confirmed. Party A shall share the right of mortgage with the assignee (who has been transferred part of the creditor’s rights) by the creditor’s rights that have not yet to be transferred, according to the percentage of amount of the creditor’s rights.

Art. 21 Terms

The terms in this contract have the same meanings with the stipulation in Credit Awarding Agreement, except the clearly dictates otherwise.

Art. 22 Applicable Law and Dispute Resolution

22.1 The conclusion, interpretation of the contract and dispute settlement shall be subject to the laws of the PRC.

22.2 The disputes arising from the performance of the contract shall be settled according to the agreed resolution rules in Credit Awarding Agreement.

Art. 23 Effectiveness

The contract shall take effect since the legal representatives/major personnel in charge of the two parties or their authorized agents sign (or affix seal) and affix the common seal/contract seal(if Party B is a natural person, thus the contract shall take effect since the legal representative/major personnel in charge or authorized agent of Party A/sign or seal and affix the common seal/contract seal and Party B’s sign) thereof, and shall become invalid automatically on the date of expiry of mortgage or the date on which Party B(or Credit Applicant) pays off all the debts it owes to Party A and all the other relevant expenses under Credit Awarding Agreement (the later of which shall apply).

Art. 24 Other Issues

Art. 25 Supplementary Provisions

The contract comes in (copies), the two parties and hold one copy each, which shall have the same legal effect.

Special tips

The two parties have conducted sufficient consultation over all the provisions of the contract. The bank has proposed the other relevant parties to pay special attention to the relevant provisions on exemption or restriction of the responsibilities of the bank, the rights the bank enjoys unilaterally, and increase of he responsibility of other relevant parties, or restriction of the rights thereof, and obtain comprehensive and accurate understanding thereof. The bank shall give corresponding explanation to the aforesaid provisions at the request of other relevant parties. The contracting parties have obtained completely unanimous understanding of the provisions of the contract.

Party A: (signature and seal) Legal representative of entrusted agent: (signature and seal)

Mortgagor is a legal person or other organization, sign in this section

Party B: (signature and seal) Legal representative of entrusted agent: (signature and seal)

Mortgagor is a natural person, sign in this section

Party B: (signature and seal) ID No.:

Address:

Date signed: (YMD)

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招商银行网上企业银行嵌入式直连方案

企业银行商务支付系统WEB版开发指南 version 3.0 招商银行 China Merchants Bank 版权所有不得复制

修订记录 日期修订版本修订人修订内容2012-4-27 1.0 杨成海 2014-5-29 2.0 徐蓓增加3.3.4支付内部户订单和3.3.5预保留订单；增加4.1.2支付结果通知（支付收方内部户和预保留）；修改3.3.1支付订单、电票出票订单、电票背书订单增加字段“支付结果通知地址”；修改4.3 通知地址设置。 2015-5-25 3.0 徐蓓 增加6.自颁发文件证书;3.3订单信息增加字段“文件证书签名时间戳”；修改2.2和3.1增加自颁发证书流程相关说明。 目录 1、前言 (3) 1．1．概述 (3) 1．2．背景 (3) 1．3．阅读对象 (3) 1．4．术语定义 (3) 2、解决方案 (4) 2．1．概述 (4) 2．2．结构示意图 (4) 2．3．客户端要求 (7) 3、订单支付 (8) 3．1．重要说明 (8) 3．2．charset（信息编码） (9) 3．3．order（订单信息） (9) 3.3.1 支付订单 (9) 3.3.2电票出票支付订单 (10) 3.3.3电票背书支付订单 (11) 3.3.4支付收方内部户订单（适用并笔入账） (13) 3.3.5预保留订单 (14) 3．4．sigdat（签名信息） (15)

3．5．result（返回信息） (15) 3．6．范例 (16) 4、支付结果通知 (18) 4．1．订单支付结果通知 (18) 4.1.1支付结果通知 (18) 4.1.2支付结果通知(支付收方内部户和预保留) (19) 4．2．商户应答 (21) 4．3．通知地址设置 (21) 4．4．通知结果查询 (22) 5、银企直联 (23) 5．1．订单状态信息查询 (23) 5．2．验证签名 (23) 5．3．生成签名 (23) 6、自颁发文件证书 (24) 6．1．自颁发证书生成 (24) 6．2．验证签名 (25) 6．3．生成签名 (27) 6．4．JAVA开发包下载和说明 (28) 7、支付测试流程示例 (30) 7．1．生成签名 (30) 7.1.1编辑订单签名报文 (30) 7.1.2 启动并登录银企直联前置机 (30) 7.1.3 通过直联程序生成订单信息签名 (32) 7．2．根据订单信息及签名信息完成支付操作 (34) 7．5．验证银行签名 (37) 7.5.1通过直联程序验证经办结果签名 (37) 7.5.2通过开发包验证经办结果签名 (38) 8、附录 (39) 8．1．数据类型约定 (39)

招商银行网上“企业银行”自助贷款授信合同模板范本

招商银行网上“企业银行”自助贷款授信 合同编号：______年______字第______号 授信人：招商银行__________________（以下简称甲方） 地址：____________________________ 法定代表人/主要负责人：___________ 职务：____________________________ 授信申请人：______________________（以下简称乙方） 地址：____________________________ 法定代表人：______________________ 职务：____________________________ 经乙方申请，甲方同意向乙方提供总额人民币____________万元的网上自助贷款授信额度。现甲方与乙方按照有关法律规定，经充分协商，就下列条款达成一致，特订立本合同。 第1条?授信额度 甲方向乙方提供人民币____________万元整的网上自助贷款授信额度。此授信额度是指甲方提供乙方通过甲方“一网通”中的网上“企业银行”系统自助提取流动资金贷款的最高限额。 第2条授信期间 授信期间为______年，即从______年______月______日起到______年______月______日止。乙方应在该期间内通过网上向甲方提出额度使用申请，甲方不受理乙方超过授信期间到期日提出的额度使用申请。 第3条?授信额度的使用 3．1在授信期间内，乙方可循环使用授信额度，但必须逐笔通过网上申请使用。乙方以数字证书方式产生的数字签名作为办理支取贷款以及通过网上归还贷款的有效签章，乙方授予甲方在其有关结算账户中扣收贷款本息的权利和根据借款金额填制借款凭证和还款凭证的权利。 3．2授信额度内每笔贷款的实际发生和归还以甲方在“企业银行”系统中保存的业务记录或甲方据此填制或打印的借款借据、客户对账单等业务记录为准。甲方的业务记录是本合同的组成部分，与本合同具有同等法律效力。乙方对甲方业务记录的准确性、真实性及合法性予以确认，并且放弃任何异议。 3．3每笔网上自助贷款的期限最长为6个月，并且网上不办理展期。贷款到期日可以晚于授信期间到期日。 第4条贷款利率 授信额度内贷款利率按照人民银行规定的同档次利率下浮/上浮____________ 执行 第5条贷款用途 此授信额度内贷款只能用于__________________。未经甲方书面同意，乙方不得挪作他用。 第6条?担保条款 6．1本协议项下乙方所欠甲方的一切债务由____________公司作为连带责任保证人，该公司须向甲方出具最高额不可撤销担保书，及/或 6．2本协议项下乙方所欠甲方的一切债务由____________公司以其所有或依法有权处分的____________财产作抵（质）押，双方另行签订担保合同。 第7条乙方的权利和义务 7．1 乙方享有如下权利：

招商银行私人银行营销实战案例分享实录

招商银行私人银行营销实战案例分享实录 2010年09月02日17:25腾讯财经我要评论(0) 字号：T|T 招商银行财富管理总监陈昆德分享金融品牌营销实战案例 腾讯财经讯 9月2日，第六届中国金融品牌论坛今日在上海召开，众多行业领袖和学者专家纵论金融营销困惑中的对策，共同探索新媒体时代的金融营销创新。腾讯财经对论坛进行全程直播报道。 以下为“金融品牌营销实战案例分享”之“招商银行私人银行营销实战案例”分享实录： 范秀成：下一个环节是金融品牌营销实践案例分析，案例是招商银行私人银行营销实战案例。在4年前，我曾经参加过一个类似的论坛，是由交通银行主办的，有国际著名的市场调查公司TNS的支持，我作为学术支持的单位参加了论坛。当时我记得在论坛上讲过这么一段话。 2006年的11月，到了年底还有1个月，整个的金融市场对海外、境外投资者全面开放。当时论坛大家的意思是觉得在这样一个新的条件下，大家感觉到狼来了。全面开发以后中国本土的金融机构怎么样和外资银行、金融机构来组合，其实特别是像招商银行，我们知道招商银行最初是以私人银行对个人的银行业务发生起来，个人银行业务发展一起来的，我记得大家最开始的时候，个人业务占到70%，外资业务进来之后，最可能直接竞争的是招商银行。外资银行进来以后，抢夺的最主要的市场有可能是个人金融这一块。五年、六年过去了，我们本土的银行不仅生存下来了，而且活得很好。特别是在最近的国际金融危机以后，中国银行业整个发展的势头还是非常好的，部分得益于我们的老客户。从另外一方面说明本土银行的竞争力不断地在提升。 今天非常高兴能够请到招商银行私人业务部的陈昆德总经理给我们分享招商银行的案例，大家欢迎。

招商银行网上个人银行(专业版)转账、汇款到账时间及收费标准

1、向同城招商银行的个人(含: 一卡通、存折、信用卡)账户、企事业单位账户转账： 正常情况下资金实时到账，不收手续费。 2、向同城其他银行账户转账： 选择普通到账模式的，正常情况下资金可在2个工作日到账，每笔转账交易收取手续费人民币2元；选择快速到账模式的，正常情况下资金可在半小时内到账，每笔转账交易收取手续费人民币3元（专业版MG 6.0. 3.0版本及以上版本可选择快速到账模式）；选择实时到账模式的，正常情况下资金可实时到账，每笔转账交易按转账金额的 0.2%收取,最低2元，最高20元（专业版MG 6.0. 3.7版本及以上版本可选择实时到账模式）；如发生退票情况，手续费不退。 3、向异地招商银行的个人（含一卡通、存折、信用卡）账户、企事业单位人民币汇款： 正常情况下资金实时到账；每笔汇款交易按汇款金额 0.2%收取手续费，手续费最低为2元，最高为20元。 4、“本人招行账户互转”向异地招商银行的本人（含一卡通、存折、信用卡）账户外币汇款【需开通自助转账协议】： 正常情况下资金实时到账；每笔汇款交易按汇款金额 0.2%收取手续费，手续费最低为2元，最高为20元。按交易币种收取手续费。

5、向异地其他银行账户汇款： 选择普通到账模式的，正常情况下资金可在5个工作日到账。每笔汇款交易按汇款金额 0.2%收取手续费，手续费最低2元，最高为20元。选择快速到账模式的，正常情况下资金可在半小时内到账，每笔汇款交易按汇款金额的 0.5%收取手续费，最低2元，最高25元（专业版MG 6.0. 3.0版本及以上版本可选择快速到账模式）；选择实时到账模式的，正常情况下资金可实时到账，每笔转账交易按转账金额的 0.2%收取,最低2元，最高20元（专业版MG 6.0. 3.7版本及以上版本可选择实时到账模式）。如发生退票情况，手续费不退。 6、向境外银行账户汇款： 共有三个收费项： 汇出汇款手续费，为汇款金额的 0.1％，最低人民币100元，最高1000元；汇款通讯费为人民币150元/笔；钞汇互转手续费，（美元、港币按照汇款金额的 0.8％收取，最低人民币50元，其它币种按照汇款金额的1％至3％收取，最低人民币100元，仅当汇款出款账户为现钞时收取，出款账户为现汇时不收)。费用按承担人区分有两种方式： (1)“共同SHA”方式： 我行所有费用由汇出人承担，扣款账户均为汇出人（我行客户）的人民币账户。

招商银行的企业文化招商银行企业文化理念

招商银行的企业文化招商银行企业文化理念 （一）招银中期的三步走。 1、信息（网络化）。 能否适应信息化潮流是招商银行能否生存和发展的条件。随着信息技术和网络技术的发展，现阶段银行已经进入水泥加鼠标的时代，但这个阶段还是一个过渡阶段，未来银行可以利用网络资源做更多 的事情。银行可以成为网络资源的整合者，即通过银行，可以广泛 地发挥信息网络的作用。一提招商银行就是网络银行，一提网络银 行就是招商银行。信息化的建设不仅为招商银行树立了很好的社会 形象，还做出了区别传统银行的个性化服务。 2、资本市场化。 与发达国家资本市场已经取代商业银行成为金融体系的核心相比，中国的商业银行仍是企业融资的主要渠道，招商银行通过上市，可 以利用资本市场，通过买卖有价证券实现各种资产的有效组合，这 既可以减少银行的风险，又能拓展业务范围。 3、国际化。 国际化应包括股权国际化、机构国际化、产品服务国际化、管理国际化、人才国际化。国际化推进应坚持“依托整体业务，谨慎发展，规模适度”的原则，加快海外分支机构建设，加大外汇业务拓 展力度，大力发展与国际金融机构和外国金融机构的合作关系。 4、管理国际化战略的工作重点： 首先，要切实加快中间业务发展，这既是解决资本充足率问题的有效途径,也是实施国际化发展战略的必然要求。其次，逐步建立科 学的资本管理机制，通过“开源”和“节流”两条途径解决资本充 足率的问题。此外，将通过稳步实施组织管理体制改革，积极应用 国际化管理技术，抓紧实施国际化人力资源战略等手段,全面提升该 行的管理素质。

（二）立命之本：一三五定律。 “一”是指坚持一个思想，就是在经营和发展过程中，必须坚持效益、质量、规模协调发展的战略指导思想。 商业银行是高风险的企业，追求长期稳定增长是根本目的，效益好坏是检验一家银行经营水平高低的根本标志，是判断商业银行经 营好坏的最终标准。但银行的风险具有隐蔽性、滞后性和长期性， 银行利润的最大化通常要受到风险管理能力的约束，银行利润最大 化不是账面利润的最大化，更不是短期利润的最大化，而是经过风 险调整、质量过滤以后的利润最大化，所以，坚持效益最大化必须 以质量为前提。当然，效益最大、质量最好，也要以规模为前提， 三者需要动态性地协调。招商银行董事会对经营者的考核采用总资 产利润率为指标，总行对分行长的考核指标中，效益、质量、规模 三者协调发展是重要内容。 “三”：理性地对待市场、理性地对待同业、理性地对待自己。 金融市场是高风险市场，要以稳健的态度对待，做到市场热时不乱、冷时不怨，有效地防范风险。理性地对待市场：在波动起伏的 经济形势和复杂严峻的市场环境中，需要招商银行经营者保持足够 清醒，稳健经营，坚定审慎的发展理念。一方面，认真分析形势， 加强风险管理，营造风险文化，注重资产质量；另一方面善于把握 好发展的机遇，深入开拓市场，推进金融创新，实现商业银行更快、更好的发展。 理性地对待同业：体现在日常工作中，就是善于学习同业有益的经验，识别和摒弃那些不好的方面；就是遵循银行自身的发展规律 来经营招商银行，而不从众，不盲从别人的做法。因此，要做到理 性地对待同业，关键是能善于向竞争对手学习，同时保持求真务实 的态度。理性地对待自己：一家银行如同一个人，有优势，也有劣势，需要理性地对待自己，不骄不躁，扬长避短。要有危机意识， 不断追求卓越。 “五”：把握好五个方面的关系。

招商银行网上“企业银行”子公司业务授权书

附10 凭证种类:8052/凭证代码:103 凭证号： 招商银行网上“企业银行”子公司业务授权书 招商银行： 鉴于本公司及我母公司/总公司作为集团公司整体开通了统一编号的招商银行网上“企业银行”服务，且我母公司/总公司已与招商银行__________（填写母公司/总公司开户行名称，下称“母公司开户行”）签订了《招商银行网上“企业银行”集团公司服务协议》，通过银行电脑系统设置了母子公司间的账务关系，本公司知悉并确认该《服务协议》的内容，并同意将我司在贵行开立的下列账户的指定业务类别提供给我母公司/总公司进行操作，并授权贵行向我母公司/总公司开放网上“企业银行”子公司相关业务操作功能。 母公司/总公司信息： 企业名称京信通信系统（中国）有限公司开户地广州 企业银行编号N1304928 开户行招商银行广州高新支行 本公司资料： 公司户名企业代码 开户行 授权开通业务类别：（不授权开通的请用横线整项划掉，授权开通的请在业务类别前面的方框内打“√”，相关业务授权后表明母公司/总公司可以通过网上企业银行在子公司授权账户中进行该项业务有关操作。） □账务查询账号 （选择开通本功能，则母公司在授权账户上进行账务查询） □内部转账账号 （选择开通本功能，则母公司在授权账户上进行内部转账操作） □支付业务账号 （选择开通本功能，则母公司在授权账户上进行支付业务操作） □直接支付账号 （选择开通本功能，则母公司在授权账户上通过直联方式进行直接支付操作）

□代发工资□直接代发工资账号 （选择开通本功能，则母公司在授权账户上进行代发工资或直接代发工资操作） □票据业务：本公司同意将我司在贵行托管的实物票据（含银行承兑汇票、商业承兑汇票）与电子票据（含招商银行电子银行承兑汇票、招商银行电子商业承兑汇票）交由我母公司/总公司代理操作，并授权贵行向我母公司/总公司开放网上“企业银行”子公司票据业务操作功能。本公司在此确认我母公司/总公司代理本公司办理的网上票据业务，均视为本公司办理的业务，其相应法律后果也由本公司承担。（打“√”选择票据业务则本条款适用。） □其他代发□直接其他代发账号代码及种类： （选择开通本功能，则母公司在授权账户上进行其他代发或直接其他代发操作，代发种类从下列选择） 其他代发种类及代码：001工资、002养老金、004奖金、005补贴费、006劳务费、007奖学金、008加班费、010救济金、011 保险费、012资本收益、013债产权 转让、014个人贷款、015证券期货款、016继承赠与款、017纳税退还款、 018农副产品销售款、019报销款、020网上交易费、021信托返还资金、022 福利费、905现金池利息、999其他 □代扣业务□直接代扣账号代码及种类： （选择开通本功能，则母公司在授权账户上进行代扣或直接代扣操作，代扣种类从下列选择）网上代扣种类：001水费、002电费、003水电费、004批量扣费、005煤气费、006物业管理费、007手机费、008电话费、009上网费、010有线电视费、011保险 费、012财产保险费、013人寿保险费、014税费、016学费、017清洁费、 018房租、019按揭费、020贷款利息、021贷款本金、022代扣污水费、023 垃圾费、024超计划用水、025出租车规费、026委托贷款本息、999其他□外币现金池账号 （选择开通本功能，则允许母公司在授权账户上进行外币现金池业务操作） □信用查询(无须填写账号) （选择开通本功能，则允许母公司在授权账户上进行信用查询） □自助贷款□直接自助贷款 （选择开通本功能，则允许母公司在授权账户上进行自助贷款或直接自助贷款操作）

招商银行私人银行有什么服务

金斧子财富：https://www.wendangku.net/doc/7b18974908.html, 招行私人银行有哪些产品？ 现金管理类产品：主要投资于银行间和交易所各类货币市场工具，具有流动性好、风险低，收益稳定的特点。 固定收益类产品：主要投资于银行、交易所各类固定收益券丁具，包括国债、投资于央行票据、金融债、公司债、企业债、可转换债券、资产支持证券、银行信贷资产等，到期收益可通过固定的公式/方法计算得出，收益较稳定。 权益类产品：主要投资于权益类证券和工具，包括股票和主要以股票为投资对象的证券类金融工具。 另类投资产品：主要包括；私募股权投资（PE）、结构性产品和金融衍牛品投资、外汇交易、对冲基金、REITs和实物投资，如艺术品、钻石、顶级红酒等。 钻石投资产品：稀有钻石的价值增长稳定，波动小，长期投资收益率稳定。 私人银行客户可以享受哪些服务？ 全球连线理财服务：无论在哪里只要简单口述总帐户处理和投资理财等方面的交易需求，私人银行都会即刻调用后台系统，如期完成的交易指令。 全球机场贵宾服务：招商银行私人银行整合全球机场资源，为客户敬备境内30余家和境外600余家机场贵宾室最舒适的候机服务。 全方位私人医疗服务：招商银行私人银行甄选国内优质健康管理服务机构，为客户及家人提供个性设计、私人管理、稀缺服务为特色的医疗健康服务。 如需投资私募理财，可预约金斧子理财师，【金斧子】持第三方基金销售牌照，国际风投红

金斧子财富：https://www.wendangku.net/doc/7b18974908.html, 杉资本和大型央企的招商局创投实力注资，致力于打造中国领先私募发行与服务平台，提供阳光私募、私募股权、固收产品、债券私募、海外配置等产品，方便的网上路演平台，免费预约理财师，用科技创新提升投资品质！

招商银行网上“企业银行”自助贷款授信合同范本doc资料

招商银行网上“企业银行”自助贷款授信合同编号：______年______字第______号 授信人：招商银行__________________（以下简称甲方） 地址：____________________________ 法定代表人/主要负责人：___________ 职务：____________________________ 授信申请人：______________________（以下简称乙方） 地址：____________________________ 法定代表人：______________________ 职务：____________________________ 经乙方申请，甲方同意向乙方提供总额人民币____________万元的网上自助贷款授信额度。现甲方与乙方按照有关法律规定，经充分协商，就下列条款达成一致，特订立本合同。 第1条授信额度 甲方向乙方提供人民币____________万元整的网上自助贷款授信额度。此授信额度是指甲方提供乙方通过甲方“一网通”中的网上“企业银行”系统自助提取流动资金贷款的最高限额。 第2条授信期间 授信期间为______年，即从______年______月______日起到______年______月______日止。乙方应在该期间内通过网上向甲方提出额度使用申请，甲方不受理乙方超过授信期间到期日提出的额度使用申请。 第3条授信额度的使用 3．1在授信期间内，乙方可循环使用授信额度，但必须逐笔通过网上申请使用。乙方以数字证书方式产生的数字签名作为办理支取贷款以及通过网上归还贷款的有效签章，乙方授予甲方在其有关结算账户中扣收贷款本息的权利和根据借款金额填制借款凭证和还款凭证的权利。 3．2授信额度内每笔贷款的实际发生和归还以甲方在“企业银行”系统中保存的业务记录或甲方据此填制或打印的借款借据、客户对账单等业务记录为准。甲方的业务记录是本合同的组成部分，与本合同具有同等法律效力。乙方对甲方业务记录的准确性、真实性及合法性予以确认，并且放弃任何异议。

招商银行个人网银(1)培训课件

招商银行 招商银行个人银行专业版开通流程 1、到银行填写需要开通的业务， 2、到柜台去开户取银行卡和u盾 3、在银行人员的指导下进行网上银行的激活 4、在个人电脑上打开招行的官网，下载一个招行专业版的程序，安装 5、插入u盾，打开招行专业版登陆个人网上银行 招行银行一网通 主页：金葵花理财，私人银行，个人贷款，出国金融，现金管理，空中银行，财智生活网，VIP尊享，投资者关系，分行网站，社区，微博 个人业务：金葵花理财，私人银行，个人贷款，空中银行，一卡通，财富账户，伙伴一生，电子银行，居家生活，储蓄业务，投资理财，网上个人银行公司业务：现金管理，国内业务，国际业务，投资银行，离岸业务，资产托管，养老金金融，公司理财，融资租赁，同行金融，网上企业银行信用卡：信用卡申请，积分计划，优惠商户，理财分期，商旅预订，网上商城，白金无限专享，客户服务。 I理财：我的i理财，理财经理，产品超市，网上营业厅，网点地图，投资大赛，百味牛博 商旅预订：可以预订查询机票，酒店 今日招商：招行荣誉榜，招行新闻，招行公告，招行金融市场评论，国内金融市场评论，国内财经要闻，财智生活杂志，股票市场 招行手机一网通 手机支付服务是指允许用户使用其手机对所消费的商品或服务进行支付的一种服务方式。手机支付有两种方式：第一种途径是费用通过手机账单收取，第二种途径是费用从用户的银行账户（即借记账户）或信用卡账户中扣除。 优点： 1、手机银行能为客户提供每日高达20万元的免费转账汇款额度(不含协议账户转账仅限android版)； 2、生活服务则新增彩票投注、话费充值、商旅预订、电影票在线选座购买等； 3、在手机银行上还能进行信用卡账单随查随还，支持招行一卡通及中、农、建等多家银行借记卡还款等业务； 4、以及仅限手机银行客户购买的专属高收益理财产品。 5、上线了网点预约功能 6、不同版本的系统服务不同。 缺点： 1、证书登录时，多次出现“读取用户数据”和“编辑用户数据”的许可询问提示框（手机java版） 2、程序管理里面，程序“招商银行”没有总是允许的设置选项（手机java 版） 3、不同的系统版本享受的服务是不同的。

招商银行网上“企业银行”服务协议

编号：_______________本资料为word版本，可以直接编辑和打印，感谢您的下载 招商银行网上“企业银行”服务协议 甲方：___________________ 乙方：___________________ 日期：___________________ 说明：本合同资料适用于约定双方经过谈判、协商而共同承认、共同遵守的责任与 义务，同时阐述确定的时间内达成约定的承诺结果。文档可直接下载或修改，使用 时请详细阅读内容。

凭证种类:8052/凭证代码:100 凭证号： 招商银行网上“企业银行”服务协议 甲方（全称）：招商银行―分（支）行 负责人： 地址： 乙方（全称）： 法定代表人或负责人： 地址： 鉴于乙方向甲方申请使用网上“企业银行”服务，甲方经审查同意为乙方提供此项服务，双方经协商一致，达成以下协议： 第一条关于网上“企业银行”的定义及服务范围 网上"企业银行"是指招商银行向企事业单位客户提供的基于Internet网络或其他公用 信息网（如“视聆通”等）的客户端软件，实现将需求指令自主提交到开户银行，从而实现支付、查询等业务需求的服务系统。 第二条网上“企业银行”的交易方式 网上“企业银行”采用数字交易方式，即以数字证书方式产生的数字签名为有效合法印鉴，并在网上“企业银行”业务中使用数字签名作为支付的有效印鉴；所有经数字签名确认的指令均视为乙方真实意思表示，对乙方具有拘束力。甲方根据乙方在其账户上的电讯指示进行交易和记录并以此制作借记凭证。甲乙双方均认可网上“企业银行”业务中采取数字证书方 式的合法性、有效性和安全性。 乙方选择对乙方经办人提交的交易申请以电话授权方式完成审批操作的，由乙方经办人

最新从招商银行看私人银行捆绑营销创新

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----- 招商银行内外部环境分析 一、总体环境分析——PESTEL模型 （一）政治环境分析 1．平台融资渠道再度收紧,规范理财业务投资运作 2013 年3 月27 日，银监会发布《关于规范商业银行理财业务投资运作有关 问题的通知》，规范理财业务投资运作，防范化解商业银行理财业务风险。受上 述政策影响，预计高速增长的银行理财市场增速将有所回落，依托债权类理财产 品的表外融资将受到重创，对农村金融机构的理财和债券投资业务都会有不小影

响。宏观经济超预期放缓，监管政策或存款利率市场化超预期。 2．更新银行业监管政策，加强业务监管力度 实施新巴塞尔协议：十二五规划要求：按照国家“十二五期间”银行业的规 划，我国将逐步推进新巴塞尔协议，新资本协议不在区分巴塞尔协议第二版还是 第三版，而是同步推出同步实施，新巴塞尔协议对资本监管的要求更严。根据 2012年2011 号文的要求，新资本监管标准从44 31 日我国银监会发布的第5 月 年1 月 1 日开始执行，系统重要性银行和非系统重要性银行应分别于2013 年底 和2016 年底前达到新的资本监管标准。过渡期结

束后，各类银行应按照新监管标准披露资本充足率和杠杆率。 3．政府政策推动内需增长，逐渐转由市场驱动 由于全球金融危机和国内实施房地产调控政策的 影响，2008 年底我国实际固定资产投资同比增长率跌至6-7 ％。2009 年，随着大规模经济刺激政策和信贷 扩张的实施，投资增速大幅反弹，最高接近29％。其中，政府主导的投资快速扩张发挥了关键作用。2009 年四季度以来，政府主导的投资增长逐步下降，市场驱动的投资成为增长的主要动力。 （二）经济环境分析 1．经济结构转型，催生新动力 当前国内的经济增长将改造过去单纯的靠廉价劳 动攫取利润的低端制造业，