What kind of partner is my chinese banker ?

First coffee club of 2009 !
We will discuss about the relationship with the banker regarding financing of project (not to be confused with investments). See how the banker gives short term of long term loans using the classical interest. The financial crisis will force us to talk about the general environment and the credit crunch before studying the chinese case.

The goal is to answer question in order to wisely use its banker as a partner.