With Loan by mandate, the China Merchants Bank, on behalf of its clients, makes loans with the clients' disposable fund based on the consigner' s designated borrowers, fields for investment, range of purposes, and other set conditions (period, value and interest rate), supervises the use of loans, and helps to recoup the loans.

Service Features
1.  More channels for surplus funds of the consigners;
2.  Fund requirement of borrowers satisfied;
3.  The clients entitled to higher earnings on this investment;
4.  Easier for group corporations to manage their fund and regulate their cash supply and
     demand;
5.  Pure intermediate business where the Bank does not assume any risk.