Real estate mortgage loans refer to the mortgage loans issued by CPFGFL, on the condition that the borrowers mortgage various types of immovable properties as collaterals.

The immovable properties that can be mortgaged include: common residential houses (commercial houses, cost price houses, affordable housing, Central Government owned houses, etc.), apartments, villas, commercial properties, office properties, quadrangle courtyard, lands, industrial factories, projects site itself, etc.

Clients served: small-and-large enterprises and individuals with long- and short-term financing needs Real Estate Finance, we provide financial support for the acquisition, development, and securitization of real estate, and CPFGFL financial funding.

We support our customers/clients with real estate non-recourse loans, in which the principal and interest are repaid exclusively from the cash flows originating from the underlying asset (commercial, non-commercial real estates etc.) we provide comprehensive financial services to support the acquisition, development, and securitization of real estate, and CPFGFL financial funding.

Financial support for the acquisition, development, and securitization of real estate.

We provide non-recourse loans to special-purpose companies (SPCs) which help protect a corporation's assets from the bankruptcy of an affiliated entity.

To acquire or develop the real estate.

To transfer the real estate to SPC by the owner ("originator").

In one of the most common structures in China, HK Japan, Singapore South Korea, the originator entrusts the real estate to a trust Financial Institution. The trust beneficiary interest is then transferred to an SPC.

Such a transfer is deemed to have an effect similar to a direct sale from the originator to an SPC.

The SPC uses a non-recourse loan or loans to acquire/develop the real estate (trust property).

Using non-recourse loans limits various acquisition risk or development risk.

The originator is able to remove the underlying assets from its balance sheet and may repay debts by using the funds received to improve its financial standing (such as net worth ratio, etc.). Support for CPFGFL financial fundings.

Serving the participants in cross-border e-commerce business, including but not limited to cross-border e-commerce platform, dealers, distributors and other principal participants, providing them with professional services such as overseas warehousing and regulation, overseas logistics and transport, domestic customs clearance, inventory pledge, account receivable factoring, overseas purchase agency.

Clients served: e-commerce platforms, dealers, distributors, etc. engaged in cross-border business.

Supply chain-Asians Finance is a purchase of trade receivables from the suppliers which supply goods or services to customers of CPFGFL. Supply chain-Asians Finance enhances the efficiency in working capital financing for both our customers and their suppliers. Customers will benefit from improved payment terms, while suppliers may enjoy an accelerated cash conversion of trade receivables.

CPFGFL, operate our own platform but also have extensive experience in participating in platforms operated by our peers and third parties.

For our customers, a way to improve payment terms and raise financing via working capital or the suppliers, a way to improve the cash conversion cycle, possibly at a lower funding rate

Supply chain-Asians Finance will be suitable for customers which aim to optimize its working capital by improving the payment terms to their suppliers.

Mainly targeting small-and-large enterprises-sized automobile dealers and 4S stores, it is designed to solve the difficulty of dealers and 4S stores in obtaining bank loans due to their lack of immovable property mortgage or insufficient collaterals. By joining hands with several banks, CPFGFL provides bank credit funds support for dealers, lowers its bank credit threshold, helps it out of the difficulty in the shortage of current assets and seeks for common development with enterprises.

Clients served: small-and-large enterprises –sized automobile dealers with good credit conditions and stable operation.

CPFGFL develops individual consumer credit business in Hong Kong, KP Credit Gain Finance, and provides individual and installment credit loans for the Hong Kong residents with stable income and good credit. The business enjoys the unique strengths of small-and-large enterprises individual credit line, fast examination and approval, exemption from mortgage guarantee and flexible service modes.

Clients served: Hong Kong residents

As a financial institution, CPFGFL provides medium- and long-term financing services for the SMEs with good growth potential based on the platform of its guarantee company. Through flexible counter-guarantee measures combinations, it can solve the issue of insufficient collaterals during enterprise financing.

Scope of guarantee: bank loan, bond loan collective notes, trust plan financing, etc.

By establishing a strategic partnership with several financial institutions, equipment manufacturers and guarantee companies, CPFGFL offers financial lease services featuring integration of industry and finance to key clients and “one-stop” financial service to enterprises through their growth cycles. Business scope covers financial lease, leasing business and purchase of leased properties from home and abroad.

For long, the Company has made its utmost efforts to offer high-quality financial services to the growth of local real economy by adhering to the principle of “professional, stable, pragmatic, innovative” and relying on the integrated and coordinated development of Beijing, Tianjin and Hebei.

Fund management is an emerging business segment that is emphasized by CPFGFL. Currently, the Group is investing and participating in multiple private funds. The scope of asset management covers real estate investment funds, non-performing asset investment funds, food industry M&A funds, overseas education and investment funds, etc.

In the future, the asset management business, together with the domestic and overseas client resources and integrated financial resources platform, will be arranged in a systematic way along the industry chain in related fields so as to enable industry integration, resources sharing in the ecological circle and capital operation and maximize the value for investors.