Reportedly, most Taiwanese businesses go about taking out a loan for their mainland operations through the following method: They go to a bank in Taiwan with collateral (such as real estate), then that Taiwanese bank makes a guarantee to a Hongkong bank, which in turn makes the loan to the Taiwanese business on the mainland.
據說目前部分台商採取的借款模式是：在台灣向某家銀行提供擔保抵押品，如房地產，再由台灣這家銀行向香港同業提出保證，由香港銀行撥款，供台商赴大陸投資運用。