Credit hypothecation for medium and small sized enterprises, personal trust hypothecation, consultation for enterprise management, consultation for personal credit, as well as agency services.

　　Our main service objective is to provide financing services to enterprises and individuals. Our hypothecation businesses include the following items:

1. Hypothecation services for enterprise financing: including hypothecation for enterprise's cash loan, hypothecation for on-scheduled projects, hypothecation for real-estate development loan, hypothecation for property right mortgage (contains stock right, intelligent right, and operating right), hypothecation for accounts receivable impawn mortgage, hypothecation for equipment leasing, hypothecation for project investment, and insurance business, etc.

2. Hypothecation services for personal loan or financing

• Supporting hypothecation services

　　Supporting hypothecation services points out the supportive agency services provided by DeCai in purpose to ensure the completion of the main hypothecation projects, which include:

• Consulting services

• Management consulting services for enterprises

• Trust consulting services for individual customers.

Agency Services

Required Conditions:

Hypothecation requirements for individual customers

•  Clear personal identity, with valid residential and business

•  Good personal trust record, no criminal records

•  The usage of loan can meet banks' loan issuing requirements

•  With legal, stable and acceptable income

•  For private business owners, at least 3 years business background and outstanding business achievements are required

•  Reversed hypothecation has to be the mortgage of fixed assets; while the property right has to be clear, clean and sufficient.

Hypothecation requirements for enterprise customers:

1. The character of the company has to be one of the following three: fully private owned, join venture or joint-stock company.

•  Legally registered and qualified by the government

•  For some special industries, the Permission of Operating is necessarily required

•  Good personal trust record for enterprise's Artificial Person, Chief Executive Officer and Chief Financial Officer

•  Good bank trust records, and no default record on a bank loan

•  Minimum operating time and achievements requirements are applied: 5 years for production enterprises, 3 years for trading enterprises, and 2 years for high-tech enterprises or projects.

•  At least A-level Ranking in enterprise trust grading, with acceptable short-term repayment ability

•  The usage of loan can meet banks' loan issuing requirements

•  The company has normative financial management standards, and truthful financial records.