国际贷款 / 融资合同分类条款（中英文对照第二部分），下面是英文合同研究给大家的分享，一起来看看。
贷款公司的行业法律条款
国际贷款 / 融资合同分类条款（中英文对照第二部分）
CLASSIFIED ARTICLES OF LOAN/FINANCING CONTRACT
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目录 TABLE OF CONTENT
贷款的提取、发放和支付
WITHDRAWAL, DISBURSEMENT AND PAYMENT OF LOAN
利率调整
CHANGE OF INTEREST RATE
借款人的陈述、保证和承诺
STATEMENT, GUARANTEE AND COMMITMENT OF THE BORROWER
当事方的权利、义务 RIGHTS AND OBLIGATIONS OF PARTIES
贷款的偿还
REPAYMENT OF THE LOAN
迟延利息及违约金
DELAY INTEREST AND PENALTY
费用和补偿CHAPTER EXPENSES AND COMPENSATION
加速偿还或提前偿还ACCELERATED OR EARLY REIMBURSEMENT
违约与处理 DEFAULT EVENTS AND RESOLUTIONS
部分章节示例如下：
发放贷款资金的条件CONDITIONS FOR GRANTING LOAN FUNDS
在付款日或付款日以前，本协议项下银行贷款义务的履行取决于借款方履行本协议规定的全部义务并以银行满意的方式满足下述先决条件：
Section 6.1 The obligation of the Bank to make the Loan hereunder is subject to performance by the Borrower of all its obligations under this Agreement and to the fulfillment of the following conditions precedent in a manner satisfactory to the Bank on or before the date hereof:
借款人办妥借款手续后5个营业日内将全部款项划至借款人指定的账户，划付次数、时间、金额见 36.4。
The full amount of loan shall be transferred to an Account designated by the Borrower within 5 working days from the date of completing borrowing procedure. Refer to 36.4 for the frequency, time and amount of transferring
If the conditions set out in this Agreement have been met or waived in accordance with this Agreement, the Lender shall make the Loan available by the Utilisation Date.
如果已达到或按照本协议之规定放弃本协议中列明的条件，贷款行应在提款日期前提供贷款。
银行收到经正式签署的贷款本金的票据；
The Bank shall have received the duly executed Note in the principal amount of the Loan."
银行收到经正式签署的担保书，其形式和内容应为银行所满意；
The Bank shall have received the duly executed Guaranty， and such Guaranty shall be in form and substance satisfactory to the Bank.
借款方遵守且依从本协议对其有约束力的所有条款、约定事项和条件；（2）借款方在得到贷款及得到贷款以前没有发生违约事件，并且随着通知的发送和时间的流逝，也未构成违约事件；（3）第5条中的声明和保证是真实的，并且犹如借款当时所作的声明和保证一样；
The borrower shall have complied and shall then be in compliance with all the terms， covenants and conditions of this Agreement which are binding upon it， （2） both immediately prior to and at the completion of the borrowing there shall exist no Event of Default and no event which， with the giving of notice or the lapse of time， or both， would constitute an Event of Default， and （3） the representations and warranties contained in Article V shall be true with the same effect as though such representations and warranties had been made at the time of such borrowing.
借款方和担保人已得到借款所要求的与本协议、票据和担保书有关的必要的政府同意，其中应包括允许借款，贷款的利用，以美元偿还本金的时间表，贷款利息，根据本协议和担保书的条款产生的票据事项，及所有其他的预定支付和与预定交易有关另外应该支付的事项。所有这些应是完全有效的；
The Borrower and the Guarantor shall have received all necessary governmental approvals required to be obtained in connection with this Agreement， the Note and the Guaranty，including all necessary approvals， if any， for the borrowing hereunder， for the use of the proceeds thereof and for the schedule of repayment in Dollars of principal of ， and interest on ， the Note in accordance with the terms hereof and of the Guaranty and all other payments contemplated hereunder or the reunder or otherwise payable in connection with the transactions contemplated hereby，and such approvals shall be in full force and effect.
银行收到借款方（中央银行）同意借款和借款方依据本协议和票据接受美元汇款的经确认的许可证副本；
The Bank shall have received a certified copy of a letter from the 〔Central Bank〕 approving in principal the borrowing hereunder and the remittance of Dollars by the Borrower pursuant to this Agreement and the Note.
银行收到借款方和担保人采取法人行动授权签署本协议、票据、担保书和借款的经确认的文件副本，应该包括前述2项所指的政府同意的文件副本和银行合理要求的其他文件的副本。采取法人行动的形式和内容应使银行及其律师满意；
The Bank shall have received certified copies of all corporate action taken by the Borrower and the Guarantor to authorize this Agreement，the Note， the Guaranty and the borrowing hereunder ， as the case may be， and copies of all governmental approvals referred to in the preceding paragraph （d）， and such other documents as the Bank shall reasonably require. Such corporate action shall be satisfactory in form and substance to the Bank and its counsel.
银行收到律师意见书：（1）借款方律师应基本上依照附录3的格式，并且对银行要求的其他合理事项使银行满意；（2）银行的X国特聘律师，对银行要求的有关本协议的事项包括并不限于，依据本协议票据和担保书的有关条款对强制执行性提出意见书：（3）银行所要求提供的其他律师意见书；
The Bank shall have received opinions of.（1） Counsel to the Borrower， which counsel shall be satisfactory to the Bank， substantially in the form of Exhibit Chereto and with respect to such other matters as the Bank may reasonably require;（2） Special 〔Name of Country〕 counsel to the Bank， with respect to such matters as the Bank may require， including， without limitation， the enforceability in accordance with their respective terms of this Agreement， the Note and the Guaranty; and（3） Such other opinions of counsel as the Bank may require.
银行收到每个参与人的权限证明：（1）代表借款方在协议上签字的证明；（2）代表担保人有担保书上签字的人的证明；（3）代表借款方签署票据的人的证明（4）在本协议要求和允许的声明、报告、证明和其他文件上签字并作为借款方代表实施本合同的人的证明；
The Bank shall have received evidence of the authority of each person.（i） who has signed this Agreement on behalf of the Borrower， （II） who has signed the Guaranty on behalf of the Guarantor，（III） who will execute the Note on behalf of the Borrower， （lV） who will sign the statements， reports， certificates and other documents required or permitted by this Agreement and who will otherwise act as the representative of the Borrower in connection with the operation of this Agreement.
银行收到根据上述h条款被任命的每个人的经确认的签字样本；
The Bank shall have received the authenticated specimen signature of each person named pursuant to the preceding paragraph （h）.
银行应得到依本协议为预定的交易而合理要求的一部分和更多的资料和文件，包括组建记录，并且这些文件须经适当的法人权力机关的确认方可。
The Bank shall have received any and all further information and documents， including records of corporate proceedings， which the Bank may reasonably request in connection with the transaction contemplated by this Agreement， such documents， where appropriate， to be certified by proper corporate authorities.
Conditions to be Satisfied in Advance of the Disbursement Date. The obligation of each Bank to make the Loan to be made by it hereunder is subject to the condition that the A-gent shall have received，not later than 5:00 p. m. New York City time on the fifth Banking Day nest preceding the Disbursement Date， one executed copy and certified copies or additional executed copies sufficient for all the Bnaks of each of the documents listed below，each dated the date of its delivery，in form and substance satisfactory to the Agent:
贷款发放日前应满足的条件 各行贷款的义务须根据下列条件而定:则代理行应在不迟于付款日前5个银行工作日的纽约时间下午5时收到给签署的副本以及经确认的副本若干份，或另外经确认的副本若干份，足以使所有的银行都持有下列文件，每份注明效送日期，其形式和内容均应为代理行所满意:
A certificate of the Borrower，substantially in the form set forth in Exhibit D，together with the attachments specified therein.
借款人证明书，其格式基本按照附录４的规定格式，以及其中所规定的附件。
An opinion of counsel to the Borrower，substantially in the form set forth in Exhibit E.
由律师向借款人提供的意见书，基本上按照附录５所规定的格式。
An opinion of Local Law Office，special local counsel to the Agent and the Banks，substantially in the form set forth in Exhibit F.
当地法律事务所，代理行和银行特聘的当地律师出具的意见书，基本上按照附录6规定的格式。
Conditions Precedent to the Initial Utilisation初次提款前的先决条件
Prior to and as conditions precedent to the Initial Utilisation hereunder, the following documents and evidence shall have been received by the Lender in form and substance satisfactory to the Lender:
在初次提款之前，贷款行应收到满足其格式及内容要求的下述文件及证据：
(a) Articles of Incorporation. A certified copy of the articles of incorporation of the Borrower;
公司章程。借款人经证实的公司章程复本；
(b) Certificate of Authority. A certificate of authority substantially in the form of Schedule 4, of each person (i) who has signed this Agreement on behalf of the Borrower and (ii) who will sign the Utilisation Request, statements and other documents required under this Agreement;
授权证明书。符合附表4格式要求且经由（i）代表借款人签署本协议的及（ii）将签署提款申请、声明书及本协议书要求的其它文件的人士提供的证书。
(c) Guarantee. The Guarantee duly executed by the Guarantor and documentary evidence of the authority of the person who has signed the Guarantee together with the authenticated specimen signatures of such person;
担保。担保人经正式执行的担保与有关担保协议签署人权限的书面证明及经鉴定的签字样本；
(d) Evidence of Fee Payment. Evidences that the fees, costs and expenses then due from the Borrower pursuant to Clause 15 (Costs and expenses) have been paid or will be paid by the first Utilisation Date;
缴费证明。根据第15条（成本与开销）之规定，借款人已支付或将在初次提款日支付其到期应付费用、成本及开销的缴费证明。
(e) Utilisation Schedule. A utilisation schedule in the form and substance satisfactory to the Lender;
提款表。符合贷款行格式及内容要求的提款表；
(f) Legal Opinion. An opinion of a legal counsel to the Borrower substantially in the form of Schedule 5; and
法律意见。符合附表5格式要求的借款人法律顾问的意见；以及
(g) Acceptance Letter of Process Agent. A letter substantially in the form of Schedule 6 as an evidence that the Process Agent specified in Clause 33.2 has accepted its appointment as an agent of the Borrower for service of process.
业务代理接收函。符合附表6格式要求的信函，证明第33.2条中列明的业务代理已接受借款人的任命，担任业务服务代理。
Conditions Precedent to Further Utilisation 再次提款前的先决条件
As conditions precedent to each Utilisation (including the initial Utilisation) hereunder, each of the following conditions shall be satisfied as of the date of each Utilisation:
每一次提款前（包括初次提款），在各提款日期均必须满足以下条件：
(a) No Default. No Default shall exist; 无违约行为。无违约行为存在;
(b) Continuing Representation. All the representations and warranties made by the Borrower in or in connection with this Agreement shall remain true and accurate in all material respects;
持续性声明。借款人在本协议中做出的或与本协议有关的所有声明及保证在所有重大方面均真实可靠；
(c) Continuing Effectiveness. All of the documents, instruments, evidence, contracts, authorizations and actions referred to in Clause 4.1 above are in full force and effect or, if any change has occurred, the Lender shall have received supplementary evidence and signature with respect thereto in the form and substance satisfactory to the Lender; and
持续有效性。上述第4.1条提及的所有文件、文书、证据、合同、授权和行为均完全生效或，如果发生任何变更情况，贷款行应收到符合贷款行要求的格式及内容的补充证据及签名；以及
(d) Other Documentation. The Lender shall have received such other documentation as the Lender may reasonably request.
其他文件。贷款行应已收到贷款行可合理要求的此类其它文件。
乙方发放借款的前提是甲方提供了符合乙方要求的证明材料，履行了乙方要求的申请借款和担保手续，签署了申请借款所需法律文件并经乙方审查同意。
Party B will release the funds under condition that Party A has provided evidences complying with requirements of Party B, and has completed the loan applying and guaranteeing procedures, and has signed the legal documents with check and approval of Party B.
甲方授权乙方在审查同意后，将借款直接划入甲方指定并经乙方认可的账户（账户名称、账号详见第十四条第五款），即为乙方依约履行了向甲方提供借款的义务。
After funds release is approved, Party A will grant Party B to transfer the loan into the account designated by Party A and approved by Party B (account name and account No. are given under Article 14.5).
在以下条件完全得到满足的情况下，在线将出借人出借本金一次性划入借款人的监管账户（即放款）：
Pride Online shall release the principal amount of the loan in a lump sum to the escrow account of the Borrower when the following requirements are fully satisfied (Loan Grant):
1、在线要求借款人提供的文件、资料，借款人已全部提供，并且其所载明的情况没有发生变化，该等文件、资料持续有效，或者借款人已就发生的变化做出令在线满意的解释和说明；
The Borrower has provided all the documents and data as required by Pride Online and such documents and data shall be and continue to be effective and the no change has occurred to the situations demonstrated in them or the Borrower has made interpretation and explanation satisfactory to Pride Online if there is any such change.
2、借款人向保证人提供的反担保措施已得到全面落实并办妥全部法律手续；
The counter-guarantee measures provided by the Borrower to the Guarantor have been fully implemented and all the relevant legal procedures have been completed.
3、保证人已向在线提交愿意为借款人本合同项下借款提供连带责任保证的《连带责任保证确认书》、反担保措施落实情况并发出划付指令。
The Guarantor has provided Pride Online the Confirmation for Joint and Several Liability for the Loan hereunder borrowed by the Borrower, explained implementation of the counter-guarantee and issued the order of payment.
只有当“贷款人”已书面通知“借款人”其已收到以下所列明的所有先决条件并且对该等先决条件的履行情况表示满意，或就未收到或不满意的 任何先决条件而言，其已放弃要求递交或满足任何该等先决条件，“借款人”方可以申请提取本合同项下的“贷款”：
The Borrower can apply to withdraw the Loan specified under this Contract only when the Lender has informed the Borrower with written notice that it has received all the prerequisites listed below and satisfied with the performance of those prerequisites or it has waived the requirements on deliver or meet those prerequisites when not receiving or not satisfied with the Borrower’s performance of any prerequisites:
1. 本合同、“担保文件”，以及“项目”项下的投资协议、合作协议等文件 (以下称“商务合同”）已经“借款人”和相关当事方有效签署；
The Contract, Guarantee Document, and the Investment Agreement and cooperation agreement of the Project (hereinafter the “Commercial Contracts”) has been effectively signed by the Borrower and related parties;
小额贷款公司法律法规
贷款涉及名词解释
抵押贷款：有关部门对抵押物进行抵押登记的贷款，一般针对银行称其为抵押。
质押贷款:顾名思义，实物作为抵押，民间的抵押贷款，称其为质押。
信用贷款：以征信为主要资质办理的贷款，也叫无抵押贷款。
机构：放款额度和银行相似，甚至高于银行，利息高于银行。
小贷：小额贷款，单笔放款额度在3~15万之间，利息高于机构。
网贷：使用手机APP或者PC客户端办理的贷款。
先息后本：先还利息，到期付本金。
等额本息：本息每期还，每月还本金+利息。月还款算法：本金/期限+本金*月利率
等额本金：本金递减，类似等额本息。还款随本金每月减少利息也减少。
月息年本：按月付息，年末归本。
按揭房：贷款买的房子，征信体现个人住房贷款。
抵押房：在银行抵押的房产，征信显示个人商业贷款或抵押消费/抵押经营
打卡工资：工资流水显示工资/代发工资字样，收税的工资。可打出税单。
银行卡流水：指进账+出账的总额度
结清证明：指逾期金额已结清的证明，一般只有在征信未更新时需要。
央行：中国人民银行
基准利率：央行定下的贷款基准利率，各个银行要求同期不得低于基准利率，各银行可上浮，但是不得超过同期基准利率4倍，否则不受法律保护。
房龄：自房屋建成年代至今的时间
干净房本：无抵押或者有抵押已注销的房本。
上抵押；也叫抵押登记，是指房本在所在区域不动产登记大厅抵押给出借人。
一抵：房屋一次抵押，且房本副页有抵押章。
二抵：房屋二次抵押，且房屋有抵押章未注销。
抵押率：也叫成数。指房屋抵押额度占房产总值的比例。
抵押回执单：指上完抵押后建委所提供取他项权利证的凭证。
他项权利证：抵押权利的一种证明，权利价值与抵押金额一致。
抵押经营贷：用于经营性的贷款，通常都为房屋抵押贷款。
消费贷：用于个人消费所用的贷款，可抵押可不抵押
借款人：用钱的人。
黑户：一般来讲为被列入失信人名单的人。贷款行业征信连续逾期7个月以上或者多次逾期，不可办理贷款的人，即为黑户。
白户：无银行信用记录的人，没有过信用卡或者贷款的人。
三非人士：非北京本地户籍，非北京本地工作，非北京本地征信。
出借人：也叫债权人，或者资方，就是出钱借给借款人的人或者公司。
公检法：公安部门，检查院纪检委部门，法院部门。
房产类型：指房屋规划用途。例如：住宅，别墅，商住两用，办公用房，公寓，酒店式公寓，公寓式酒店，科研用房，军队用房等等。
城六区：东城，西城，朝阳，海淀，丰台，石景山。
近郊：大兴，通州，顺义，昌平，门头沟。
远郊：密云，怀柔，平谷，延庆，房山。
房本：不动产权登记证，红色外皮。
商品房：可直接上市交易的房产。
经济适用房：也叫一类经适房，是由政府划拨，低价买入的房产。上市交易需满五年且补交综合地价款，2008年4月11号之前的一类经适房可直接做抵押。
按经适房管理：也叫二类经适房，同样是政府划拨，满2年可直接上市抵押。
央产房：原单位为国企或者央企，单位分的房子。需开上市证明可交易。
成本价房（房改房）：单位自建以便宜价格卖给员工的房产，需转成商品房可交易。
两限房：同样低价买入，限制买卖交易的房产，满5年可上市交易。
小产权房：产权为30年或50年的房产，房本大多为绿色，不可抵押。
回迁房：原址拆迁分的房子，满5年可转商上市，但是不是全部。
公租房：低价办理的租房，不可交易。
老龄房：房龄在30年以上的房产。
疑难房：不可上市抵押交易的房产统称疑难房。
老龄人：年龄在65以上的借款人。
有争议房产：产权不清晰，纠纷房。如离婚时离婚协议未说明房产归谁所有等。
违约金：未按合同借款期限还款所产生的费用。
查封房产：因民事经济纠纷或其他违法行为被起诉或公诉的人名下的房产，金额巨大法院就会查封房产。可解。
被执行人：因案件被法院起强制执行的人。人法网可查到。
核档：核实房产是否有抵押，建委（不动产事物登记大厅）行为。
共有产权：房本非一个人名字
单方：指夫妻双方只有一方能够出面做借款，多数为房本显示的房主。
共借：指借款人资质不符，需要找另外一个人作为共借人，一般为直系亲属。
担保：指借款人资质不符，找其他人或者公司进行贷款连带担保，如借款人无力偿还，债权人将找担保人进行代偿。
公正：公证处行为，为借款人和出借人办理国家认可的见证，具有最高的法律效力。
批贷函：指银行或者机构贷款审批通过后通知客户的一种凭证，可用于垫资。
三方公司：指专款专用的第三方收款公司。
过桥垫资：俗称倒贷，指到贷款期限后，客户无力偿还，找三方代偿，之后再办理贷款归还第三方的行为。
垫资：指客户在批贷函下来之后放款之前，或者一抵二抵转单时，需要这笔资金，就可以找垫资公司进行垫资。
禁入行业：一般为危险职业（钢铁钢贸，工厂一线，化工厂，司机）和不稳定行业以及金融同行业（KTV，酒吧，房地产，保险，股票，基金，私募，投资，理财，贷款，证券）
就这些吧，有的一时想不起来，字面可以理解的没有解释。
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原文地址"贷款公司的行业法律条款（小额贷款公司法律法规）"：http://www.ljycsb.cn/dkzs/112368.html。
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