The Saigon - Hanoi Commercial Joint Stock Bank (SHB) continues to strengthen its ecosystem of financial solutions for import-export enterprises, helping clients proactively secure capital, optimize cash flow, reduce transaction costs, and manage exchange rate risks across the entire international trade chain.
As import-export activities require faster processing, proactive capital, and cost control, businesses need comprehensive financial support across all trade stages.
Understanding these needs, SHB provides an all-in-one financial solution combining pre- and post-shipment export financing, international settlement, fee incentives, and foreign exchange services. By accompanying enterprises throughout the transaction lifecycle, SHB enables clients to access capital faster, optimize cash flow, reduce costs, and enhance global competitiveness.
Proactive funding from contract signing
For export enterprises, working capital needs often arise in the early stages of the production cycle, when businesses need to purchase raw materials, process goods, complete products, and prepare deliveries under signed contracts. To help clients capture business opportunities in a timely manner, SHB has launched pre-shipment export financing with flexible policies.
Accordingly, SHB provides financing as soon as an enterprise secures an export contract, offering financing ratios of up to 90 per cent of the contract value and loan terms of up to 12 months. The bank also accepts receivables from export contracts as collateral, helping businesses reduce pressure on traditional collateral assets and take greater initiative in their production and business plans.
In addition, SHB grants unsecured credit limits of up to 20 per cent, enhancing capital access for enterprises, especially those seeking to expand production and increase order fulfillment capacity but facing collateral constraints. This is a practical solution that helps businesses seize market opportunities, accelerate production progress, and improve their ability to meet export orders.
Gaining access to capital right upon contract signing helps enterprises ease cash flow pressure in the initial phase, limit disruptions during product preparation, and secure the initiative when negotiating and implementing orders with international partners.
Faster capital turnover post-delivery
In addition to supporting the pre-shipment stage, SHB continues to assist enterprises after goods have been exported through post-shipment export financing solutions. Upon completing the set of export documents, enterprises can receive further financing from SHB with terms of up to 12 months through suitable methods.
Specifically, SHB can purchase export document sets with recourse at a financing ratio of up to 98 per cent of the document set value, or purchase without recourse at up to 100 per cent of the value. Through these mechanisms, businesses can quickly recover cash flow, reinvest in new orders, cover production costs, import raw materials, or expand business operations.
SHB’s post-shipment financing solutions are implemented based on popular international payment methods such as L/C, D/P, D/A, CAD, and T/T, satisfying diverse transaction demands with foreign partners. Shortening the time to convert document sets into actual cash flow helps enterprises accelerate capital turnover and enhance the efficiency of financial resource utilization.
For enterprises with regular export frequency, post-shipment financing plays a crucial role in cash flow management. Businesses do not have to wait until buyers settle payments to rotate capital, enabling them to proceed with new contracts, maintain production, and optimize business performance.
Efficient payments and cost optimization
Parallel to export financing solutions, SHB continues to operate international settlement services supported by an extensive global payment network, helping enterprises conduct international trade transactions conveniently, safely, and efficiently.
SHB’s international payment ecosystem includes outgoing transfers, incoming transfers, import-export collection, CAD, import-export L/C, border trade settlement, and international guarantees. These solutions offer businesses choices tailored to each market, partner, and transaction method, giving them greater initiative in negotiation, payment, and cash flow management.
Amid volatile international market conditions, SHB consistently accompanies clients in finding suitable payment solutions at optimal costs, helping businesses maintain cash flow stability, capture business opportunities, and improve adaptability to external factors.
To support import-export enterprises in optimizing costs, SHB has been implementing an incentive fee package with policies waiving or reducing up to 66 types of service fees, including account service fees and international settlement fees. For export enterprises, SHB waives all online transaction fees, tax payment service fees, foreign currency transfer fees, SMS fees, and various account service fees.
The bank also waives incoming international transfer fees, export L/C notification fees, import-export collection fees, export document receipt and processing fees, inquiry and amendment fees for export L/Cs / collections, and related international trade transaction fees. Furthermore, SHB applies fee reductions of up to 70 per cent for various categories, including L/C issuance and amendment fees, document set settlement, collection, wire transfer, and over-the-counter transaction fees.
These incentive policies help enterprises cut transaction costs, especially those with high international payment frequencies or those expanding import-export markets. As financial costs are optimized, businesses gain additional margin to improve profit margins, enhance competitiveness, and take initiative in growth plans.
FX incentives and risk hedging
To help enterprises optimize foreign exchange (FX) transaction efficiency, SHB applies preferential exchange rate policies for foreign currency trading with up to 150 points off listed rates for key currencies such as USD, EUR, GBP, JPY, and KRW.
Beyond rate incentives, SHB provides solutions to help businesses manage exchange rate fluctuation risks through FX products such as forward foreign currency trading and currency swaps. These tools enable businesses to take greater control over cash flow planning, minimize adverse impacts from rate volatility, and enhance financial cost control in international transactions.
For import-export enterprises, exchange rate risk directly impacts input costs, foreign currency revenues, profits, and the ability to fulfill commitments with partners. Therefore, combining exchange rate incentives, international payment services, and risk hedging tools helps enterprises gain initiative in financial management, especially those with foreign currency revenues or payment obligations in foreign currencies.
Comprehensive support for traders
SHB’s comprehensive financial solution for import-export enterprises is built on a deep understanding of clients’ actual operational chains. By integrating pre-shipment financing, post-shipment financing, international settlement services, fee incentives, and FX solutions, SHB helps businesses simultaneously address core challenges: capital, cash flow, transaction costs, and exchange rate risk.
“Import-export enterprises require flexible, fast, and synchronized financial solutions across the entire international trade transaction chain,” said a representative from SHB. “With a specialized product ecosystem, SHB aims to accompany clients from order receipt, production, and delivery to payment collection, thereby supporting enterprises in securing capital, optimizing costs, managing risks, and achieving sustainable development.”
Strengthening solutions for import-export enterprises aligns with SHB’s ecosystem bank development orientation, placing customers at the center and deepening engagement with specific operational needs. Rather than providing isolated financial products, SHB aims to seamlessly connect credit, international settlement, foreign exchange, guarantees, and digital banking into a unified solution system.
Guided by its vision to become a “next-generation bank of national stature,” SHB continues to accelerate digital transformation, enhance service capacity for corporate clients, and develop financial solutions tied to the practical needs of the economy.
In the time to come, SHB will continue perfecting trade finance, international settlement, foreign exchange, and digital banking products, aiming to offer import-export enterprises a comprehensive, flexible, secure, and efficient financial solution framework in the global trade environment.
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