A. 銀行借款合同英文版
借款人：
Borrower:
貸款人：
Lender:
抵押人：
Mortgagor:
保證人：
Surety :
出質人：
Pledgeor:
為明確各方權利和義務，根據《合同法》、《貸款通則》和其他有關法律、法規，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 and obligations of parties involved.
借 貸 條 款
Loan Borrowing Clause
第一條 借款金額。見36.1
Article 1. Amount of loan: Refer to 36.1
第二條 借款用途。見36.2
Article 2. Purpose of loan: Refer to 36.2
第三條 借款期限。
Article 3. Life of loan
3．1見36．3。
3.1 Refer to 36.3
3．2借據或貸款憑證是本合同不可分割的組成部分。借款的實際放款日和還款日以借款
人、貸款人雙方辦理的借據或憑證上所記載的日期為准。除日期外，借據或憑證其他記載事項
如與本合同不一致的，以本合同為准。
3.2 A certificate of indebtedness or a loan voucher is an integral part of this Contract. The date of advance and payment e date shall follow the date specified on the certificate of indebtedness or loan voucher . Where there is any inconsistency between the stipulations on the certificate of indebtedness or loan voucher and the Terms and Conditions on this Contract except date, the latter shall prevail.
第四條 借款劃付。在借款人辦妥借款手續後5個營業日內將全部款項劃至借款人指定的賬戶，劃付次數、時間、金額見 36．4 。
第五條 Article 4 Transferring of loan. 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 procere. Refer to 36.4 for the frequency, time and amount of transferring
第五條 借款利率和計息。
Article 5. Interest rate of loan and calculation
5．1借款利率。本合同項下借款利率根據國家有關規定，確定利率見—36—．5 。遇利率調整時，借款期限在1年(含)以下的，執行合同利率，不分段計息；借款期限在1年以上的，實行分段計息，從利率調整的次年1月1日開始，按相應利率的檔次執行新的利率；如借款人未按約定時間歸還借款本息或未按合同約定用途使用借款，貸款人將按國家規定對借款人計收罰息，罰息率見36．6。
5.1 Interest rate of loan: The interest rate under this Contract is specified in 36.5 in line with relevant rules. In case of change of interest rate, the interest rate stipulated in the Contract shall prevail for loans with a life of less than or equal to one year; For loans with a life exceeding one year, the interest shall be calculated on a multi-stage basis, i.e. From next Jan. 1st following the adjustment of interest rate, the new rate shall prevail. In case the Borrower fails to repay the principal and interest before the e date, or fails to use the loan for purposes as agreed in this Contract, the lender shall be entitled to collect default interest in line with relevant rules. The default interest rate is specified in 36.6.
5．2遇利率調整時，實行分段計息的，貸款人有權根據國家有關規定自行調整，不另行通知借款人。
5.2 In case of calculating interest on multi-stage basis e to adjustment of interest rate, the lender shall be entitled to adjust the interest rate on his own without further notice to the Borrower.
第六條 還款方式。
Article 6 Type of Repayment of Loan
6．1借款人應在貸款人開設帳戶，戶名和帳號見 36．7 ，並保證在每次還款日前足額存入當期應還款項的存款。借款人在此授權貸款人從借款人該帳戶中扣收借款本金、利息和可能發生的復利、罰息、違約金、保費、損害賠償金及實現債權的費用(含律師費和訴訟費)。如該帳戶資產不足以歸還到期的貸款本息，貸款人有權從借款人在中國工商銀行任何分支機構開立的任何帳戶劃收。
6.1 The Borrower should open an account with the Lender( The account name and account number are specified in 36.7.) and promise to deposit sufficient money for repayment before each e date. The Borrower hereby authorizes the Lender to collect , if any, compound interest, default interest, liquidated damage, premium, compensation and expenses arising from the realization of creditor』s right (including lawyer』s fee and court expense)in addition to e principal and interest of loan. In case the asset in this Account is not enough for repayment of e principal and interest, the Lender shall be entitled to collect from any Account opened by the Borrower with any branch of ICBC.
6．2貸款人與借款人雙方商定，自貸款發放次月起，借款人按月歸還貸款本息(一次性還本付息除外)，還款期數及還款方式見 36．8 。
6.2 The Borrower shall repay the principal and interest on a monthly basis (Except repaying principal and interest in a lump sum) from the second month following the issuing of loan , as agreed between the Borrower and Lender. The repayment tenors and type are specified in 36.8.
6．3借款期間遇利率調整，如執行本合同5．1條實行分段計息的，對借款期限在1年以上的，應從利率調整的次年1月1日開始根據未償還借款余額和剩餘還款期數進行調整，重新計算還款金額。
6.3 In case of multi-stage calculation of interest as specified in 5.1 e to adjustment of interest rate ring the life of loan, the repayment amount for loans with a life exceeding one year shall be recalculated on the basis of balance of 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際使用天數計算。
6.4 Repayment of the loan ahead of schele by the 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 擔保方式。本合同的擔保人及擔保方式見 36．9。具體約定由本合同中相應的擔保條款確足。
Article 7 Guaranty type. The Guarantor and guaranty type under this Contract is specified in 36.9. The specific stipulations are stated in corresponding guaranty clauses.
第八條 借款人的權利、義務。
Article 8 Rights and obligations of the Borrower.
8．1借款人的權利：
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 as agreed in this Contract.
B. 貸款合同里drawdown是什麼意思
貸款合同里drawdown是借款人在提款之前首先要向貸款人發出的提款通知書notice of drawdown。
一、貸款合同是經濟合同的一種形式
即貸款方將貨幣交付借款方使用，借款方依照有關規定，按期將一定數額的貨幣及其利息返還給貸款方，確定相互權利義務關系的協議。為了保證自身安全，貸方要求借方在貸款合同有效期間的財務狀況 (特別是它的流動性) 至少要同它簽訂合同時的情況不相上下。列在貸款合同中維護貸款者利益的條款，叫做保護性條款(Protective covenant)。貸款合同本身只是表示在借方違反合同條款的場合下，貸方有採取行動的合法許可權。否則的話，貸方將受到它承諾的貸款條件的約束，一直要等到合同期滿才能採取糾正措 施。
二、貸款合同用途
借款人應該按照約定的用途使用貸款，不能用於非法目的。貸款合同載明的借款用途不得違反國家限制經營、特許經營以及法律、行政法規明令禁止經營的規定。
明確此項條款，對借款人而言，可以維護自己使用資金的權利；對貸款人而言，可以監督資金的流向，確保資金回籠，控制風險。
三、貸款合同限制
對貸款用途加以限制的原因是：首先，如果借款人將貸款用於非法用途，如果違反國家法律、行政法規的禁止性規范，將導致貸款合同無效。即使貸款人在貸款的使用時對此非法目的尚不知情，一旦貸款人知悉此非法目的後，必須阻止借款人繼續提款。其次，限制貸款用途是為了保證還款資金的來源。如果貸款不按協議的用途加以運用，借款人可能因經營不當導致喪失還款能力。再者，貸款行內部經營方針可能對發放貸款的行業或部門有限制，政府規則、法令有時也有類似規定。最後，限制貸款的用途還可能因為是涉及第三人的利益，比如在出口信貸項目中，貸款用途就僅限於特定的支付對象。