Abstract
Packing loan is a traditional financing form provided by commercial bank to provide support to export enterprise. Packing loan is a short-term loan, but it is of great difference from the general floating capital loan. Domestic commercial banks basically share the same definition although they are different in the operation strategy of packing financing. From the viewpoint of legal relations, packing loan is a kind of financing relations of legal, a credit loan in nature which is of great relations with L/C. The bank usually asks the applicant to pledge the original true L/C against packing loan. Firstly a comprehensive elaboration of the meaning and legal characteristics of the Packing loan definites that it is still one form of credit loan. Secondly, the service risk points are analyzed from the aspects of exporters, importers and L/C itself. At last, some suggestions to the management of packing loan are put forward from the point of bank’s credit.
【Key Words】Commercial bank; Packing loan; Risk; Risk aversion