I. Introduction
Operating Capital Loans refer to the ones ICBC grants to its high-quality borrowers to meet their reasonable continuous capital usage requirements in daily operations with their future comprehensive revenues and other legal earnings as loan repayment sources.

There are a couple of ways to apply this type of loan and it is allowed to apply it with cycling mode, which means loan borrowers sign cycling loan contract in one-time, and the borrowers are allowed to withdraw the loan in many times and return it one by one to use the loan in a cycling pattern within the credit lines specified by the signed contract.

II. Target Client
High quality loan borrowers under normal operations and with reasonable continuous capital usage requirements and secured projected revenues.

III. Application Conditions
Applications must be in accordance with the state industry policies and ICBC's credit policies; loan borrowers must be ICBC's high-quality customers with outstanding business performance, stable operations, healthy financial operations, and high liquidity and profitability.