1、中英文銀行借款合同借款人： Borrower ：貸款人： Lender ：抵押人： Mortgagor ：保證人： Surety：出質(zhì)人： Pledgeor ：為明確各方權(quán)利和義務(wù)，根據(jù)合同法 、貸款通則和其他有關(guān)法律、法規(guī)，訂立本合同。This Contract is made in line with the Contract Law of the People's Republic of China and The General Provisions of Loans of the People's Bank of China to specify the rights

2、 and obligations of parties involved.借 貸 條 款 Loan Borrowing Clause第一條 借款金額 Article 1. Amount of loan：第二條 借款用途 Article 2. Purpose of loan：第三條 借款期限 Article 3. Life of loan3.2 借據(jù)或貸款憑證是本合同不可分割的組成部分。借款的實(shí)際放款日和還款日以借款人、貸款人雙方辦理的借據(jù)或憑證上所記載的日期為準(zhǔn)。除日期外，借據(jù)或憑證其他記載事項(xiàng)如與本合同不一致的，以本合同為準(zhǔn)。3.2 A certificate of indebtedness

3、 or a loan voucher isan integral part of this Contract. The date of advance andpayment due date shall follow the date specified on thecertificateof indebtednessor loan voucher . Where thereis anyinconsistency between the stipulations on the certificate ofindebtednessor loan voucher and the Terms and

4、 Conditionson thisContract except date， the latter shall prevail.第四條 借款劃付 Article 4 Transferring of loan.借款人辦妥借款手續(xù)后5 個營業(yè)日內(nèi)將全部款項(xiàng)劃至借款人指定的賬戶，劃付次數(shù)、時(shí)間、金額見.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 proc

5、edure. Refer to 36.4 for the frequency ， time and amount of transferring第五條 借款利率和計(jì)息Article5. Interestrateof loanand calculation5.1 借款利率。本合同項(xiàng)下借款利率根據(jù)國家有關(guān)規(guī)定，確定利率見 . 遇利率調(diào)整時(shí)，借款期限在 1 年（含）以下的，執(zhí)行合同利率，不分段計(jì)息；借款期限在 1 年以上的，實(shí)行分段計(jì)息，從利率調(diào)整的次年 1 月 1 日開始，按相應(yīng)利率的檔次執(zhí)行新的利率；如借款人未按約定時(shí)間歸還借款本息或未按合同約定用途使用借款，貸款人將按國家規(guī)定對借款人計(jì)收罰息，

6、罰息率見 .5.1Interestrate ofloan ： The interestrateunder thisContract is specified in 36.5 in line with relevant rules. Incase ofchange ofinterestrate ， theinterestratestipulatedinthe Contractshallprevailforloans witha lifeofless thanorequaltoone year ； Forloanswitha lifeexceedingone year ，theinterestsh

7、allbe calculatedon a multi-stage basis ， i.e.From next Jan. 1st following the adjustment of interest rate，thenew rateshallprevail.In case the Borrower failstorepaytheprincipaland interestbeforethedue date ， orfailsto usethe loan for purposes as agreed in this Contract， the lendershall be entitled to

8、 collect default interest in line withrelevantrules.The defaultinterestrate isspecifiedin36.6.5.2 遇利率調(diào)整時(shí)，實(shí)行分段計(jì)息的，貸款人有權(quán)根據(jù)國家有關(guān)規(guī)定自行調(diào)整，不另行通知借款人。5.2 In case of calculating interest on multi-stage basis due to adjustment of interest rate ， the lender shall be entitled to adjust the interest rate on his ow

9、n without further notice to the Borrower.第六條 還款方式 Article 6 Type of Repayment of Loan6.1 借款人應(yīng)在貸款人開設(shè)帳戶，戶名和帳號見36.7，并保證在每次還款日前足額存入當(dāng)期應(yīng)還款項(xiàng)的存款。借款人在此授權(quán)貸款人從借款人該帳戶中扣收借款本金、利息和可能發(fā)生的復(fù)利、罰息、違約金、保費(fèi)、損害賠償金及實(shí)現(xiàn)債權(quán)的費(fèi)用（含律師費(fèi)和訴訟費(fèi)）如該帳戶資產(chǎn)不足以歸還到期的貸款本息，貸款人有權(quán)從借款人在中國工商銀行任何分支機(jī)構(gòu)開立的任何帳戶劃收。6.1 The Borrower should open an account wit

10、h the Lender（ The account name and account number are specified in 36.7. and promise to deposit sufficient money for repayment before each due date. The Borrower hereby authorizes the Lender to）collect， if any， compound interest， default interest，liquidateddamage， premium ， compensationand expenses

11、arisingfrom the realization of creditors right（including lawyers fee and courtexpense）in additionto due principaland interestof loan. In case the asset in this Account is not enough forrepayment of due principal and interest， the Lender shall beentitled to collect from any Account opened by the Borr

12、ower with any branch of ICBC.6.2 貸款人與借款人雙方商定，自貸款發(fā)放次月起，借款人按月歸還貸款本息（一次性還本付息除外），還款期數(shù)及還款方式見36.8 .6.2 The Borrower shallrepay the principaland intereston a monthly basis（Except repayingprincipaland interestina lump sum）from the second month followingthe issuingof loan，as agreed between the Borrower and L

13、ender. The repayment tenors and type are specified in 36.8.6.3 借款期間遇利率調(diào)整，如執(zhí)行本合同5.1 條實(shí)行分段計(jì)息的，對借款期限在1 年以上的，應(yīng)從利率調(diào)整的次年1 月 1 日開始根據(jù)未償還借款余額和剩余還款期數(shù)進(jìn)行調(diào)整，重新計(jì)算還款金額。6.3 In case of multi-stage calculation of interest as specified in 5.1 due to adjustment of interest rate during the life of loan ， the repayment a

14、mount for loans with a lifeexceeding one year shallbe recalculatedon the basis of balanceof unpaid loan and the rest of repayment tenor from next Jan.1st following the adjustment of interest rate.6.4 借款人提前歸還貸款須經(jīng)貸款人書面同意，提前歸還部分的利息仍按本合同約定的利率和該部分實(shí)際使用天數(shù)計(jì)算。6.4 Repayment of the loan ahead of schedule by th

15、e Borrower shall be subject to written consent from the Lender.The interest of prepaid amount should be calculated on the basis of rate specified in this Contract and actual days.第七條 擔(dān)保方式 Article 7 Guaranty type.本合同的擔(dān)保人及擔(dān)保方式見36.9. 具體約定由本合同中相應(yīng)的擔(dān)保條款確足。The Guarantor and guaranty type under this Contrac

16、t is specified in 36.9. The specific stipulations are stated in corresponding guaranty clauses.第八條 借款人的權(quán)利、義務(wù)Article 8 Rights andobligations of the Borrower.8.1 借款人的權(quán)利：8.1 Rights of the Borrower.按本合同約定的期限和用途取得和使用借款；Obtain and use the loan for the period and purposes asagreed in this Contract.制度說明制度是以 執(zhí)行力為保障的。 “制度”之所以可以對個人行為起到約束的作用，是以有效的執(zhí)行力為前提的，即有