The only "proposal" Ma Delun has is one that involves taking your hard earned cash. He or she is a scammer. There is no "business proposal" - the scammer wants to take money from you by charging you fees.
Delete the email and don't reply.
I am Ma Delun,Head,Operations Department of Bank Of China.I have a secured business proposaland i need your assistance to execute this business.Please contact me using
the emailaddress below, only if interested so i can furnish you with more details onthis transaction.EMAIL:firstname.lastname@example.org Thank you for your time and i look forward to working
with you. Regards,Ma Delun.