I. Introduction
The Standby Loans refers to the credit commitments with legally bindings that ICBC presents to borrowers to allow them withdraw loans by following the conditions specified in contracts to meet their possible financing demands in the near future.

The standby loans may take the cycling withdraw mode, which means two parties sign a standby loan contract at one-time, and the borrowers can use the loans in a cycling way under the credit line within the loan term specified in the contract.

II. Target Client
In principal, the Target Client should be ICBC’s larger preferable ones.