The Export-Import Bank of China products, services and reviews

About The Export-Import Bank of China

The Export-Import Bank of China is a state-owned policy bank established in 1994 and headquartered in Beijing, operating under the State Council to support China’s foreign trade, overseas investment, and international economic cooperation. Its core businesses include export and import credits, buyer’s and seller’s credits, trade finance, guarantees, international settlement, and on-lending of government concessional loans; it also finances infrastructure and industrial projects linked to global supply chains and the Belt and Road Initiative. The bank does not focus on retail deposits or mass-market consumer products, instead serving corporates, financial institutions, and sovereign or sub-sovereign counterparties, often working alongside export credit insurance and collateral packages. Funding is primarily sourced from onshore financial bond issuance in China’s interbank market, supplemented by offshore RMB and foreign-currency bonds, policy-driven facilities, and capital injections; credit ratings from major agencies are generally aligned with China’s sovereign profile, reflecting expected state support. It is supervised within China’s policy bank framework by national financial regulators and is subject to prudential rules, liquidity management requirements, and anti–money laundering and sanctions compliance obligations relevant to cross-border finance. The bank maintains a domestic branch network and selected overseas offices to execute trade-related mandates and project due diligence, publishes audited financial statements and disclosures, and uses standardized documentation for trade products. Key risk factors include concentration in large projects and sovereign-related exposures, sensitivity to geopolitical developments and host-country credit conditions, interest-rate and currency mismatches in multi-currency portfolios, and the execution and environmental-social risk profiles typical of long-tenor infrastructure lending.