yes. China Merchants Bank was established in Shekou, Shenzhen in 1987. It is the first joint-stock commercial bank wholly owned by an enterprise legal person in China. 15 is a temporary line. The temporary line is extra given by the bank. It has a term of use, and it must be paid back in one lump sum when the bill is due. The temporary line cannot be divided into stages. Line refers to the amount that a lender can borrow from a borrower without providing property security.