Alibaba declined to comment. China Development Bank didn't reply to a request for comment.
阿里巴巴不予置评。国开行没有回复记者的置评请求。
While the bank isn't charging lower interest rates than its competitors, it is willing to offer long-term loans for large amounts, say bankers. Most commercial banks syndicate loans of more than $1 billion so that they aren't too heavily exposed to a single client. That is especially true now with tougher capital restrictions in place. A syndicated loan is offered by a group of lenders that provide funds to a single borrower.
银行家们说,尽管国开行的贷款利率并不比竞争对手低,但它愿意提供大额长期贷款。对于规模超过10亿美元的贷款,大部分商业银行会以银团贷款的形式联合提供,这样它们就不会过多地暴露在单一客户可能带来的风险中。在资本限制更加严格的当下,这一情况尤为突出。银团贷款是放贷机构组成的银团向单一借款人提供的贷款。
The bank doesn't have a large deposit base and instead sells government-backed bonds to fund its loans. The bank is China's biggest bond issuer after the Ministry of Finance and is also the biggest issuer in the offshore yuan-denominated bond market after the Chinese government.
国开行的存款基数并不大,而是通过出售政府支持债券来筹措贷款资金。国开行是中国国内仅次于财政部的最大债券发行人,同时也是离岸人民币债券市场上仅次于中国政府的最大发行人。
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2020-09-15
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