I. Solution Approach
An industry cluster is formed by companies, special suppliers, service providers and related research institutes who gather in a specific region, produce the same type of goods or provide similar services. Nowadays, industry clusters are "magic weapon" of regions to compete. Small-and-medium enterprises (SMEs) in these industry clusters are the more target loan customers of banks.

II. Selection Criteria of an Industry Cluster
1. Favorable conditions provided by the State or local government, support the growth of industry cluster by taking advantage of the industry policy and planning;
2. Well-developed, considerable scale, most of the SMEs in the cluster run stable business;
3. Intermediary organizations in the cluster, play pivotal role in facilitating communication, services and self-discipline;
4. Strong competitive edge;
5. No such issues as high energy-consumption, high pollution, not susceptible to pollution emission, trade friction.

III. Solution Highlights
1. Target clients are the small enterprises with established presence in the cluster, competitive products and technology, stable sales channels;
2. Specific product combinations offered to different customer groups depending on the business relationship between SMEs and pacesetting companies or key companies in the cluster;
3. Short-term working capital loans to the selected small business owners with stable business, and the possibility of providing mid-to-long term loans to top small enterprises;
4. Given the companies in the cluster located very close to each other and good understanding among themselves, adopt, design or launch new guarantee measures for companies in the cluster to secure the ICBC loans or through third-party, give them easier access to get ICBC loans.

Note: Information herein is for reference only. Refer to the announcements and regulations of local branches for further details. ICBC reserves the final right of interpretation.