2025年度中小企業(yè)信用貸款合同英文版規(guī)范

2025年度中小企業(yè)信用貸款合同英文版規(guī)范本合同共三部分組成，僅供學習使用，第一部分如下：2025ANNUALSMALLANDMEDIUMENTERPRISECREDITLOANAGREEMENTThisAgreementismadeandenteredintoon[Date],andbetweenthefollowingparties:Lender:_________________________(NameofLender)_________________________(AddressofLender)_________________________(ContactPerson)_________________________(PositionofContactPerson)Borrower:_________________________(NameofBorrower)_________________________(AddressofBorrower)_________________________(ContactPerson)_________________________(PositionofContactPerson)WHEREAS,theLenderdesirestomakealoantotheBorrowerinaccordancewiththetermsandconditionssetforthherein;andWHEREAS,theBorrowerdesirestoborrowfundsfromtheLenderunderthetermsandconditionssetforthherein;NOW,THEREFORE,inconsiderationofthemutualcovenantsandagreementshereinaftersetforth,thepartiesheretoagreeasfollows:1.LoanAmountandTerms:TheLenderagreestolendtotheBorroweranaggregateprincipalamountof_______________________(AmountofLoan)("Loan")onthetermsandconditionssetforthinthisAgreement.2.InterestRate:3.RepaymentSchedule:TheBorroweragreestorepaytheLoaninequalmonthlyinstallmentsof_______________________(MonthlyPayment)overaperiodof_______________________(NumberofMonths)months,beginningon[StartDate]andendingon[EndDate].4.Collateral:TheBorroweragreestoprovide_______________________(DescriptionofCollateral)ascollateralfortheLoan.TheLendershallhavetherighttotakepossessionofandselltheCollateralintheeventofdefaultunderthisAgreement.5.UseofFunds:TheBorrowerrepresentsandwarrantsthatthefundsborrowedunderthisAgreementwillbeusedfor_______________________(PurposeofLoan).6.DefaultandLatePayment:IntheeventofanydefaulttheBorrowerunderthisAgreement,includingbutnotlimitedtofailuretomaketimelypayments,theLendershallhavetherighttodeclaretheentireoutstandingbalanceoftheLoandueandpayableimmediately.7.Insurance:TheBorroweragreestomaintaininsuranceontheCollateralinanamountsufficienttoprotecttheLender'sinterestintheCollateral.8.GoverningLaw:ThisAgreementshallbegovernedandconstruedinaccordancewiththelawsof_______________________(Jurisdiction).9.EntireAgreement:ThisAgreementconstitutestheentireagreementbetweenthepartiesandsupersedesallprioragreements,whetherwrittenororal,relatingtothesubjectmatterhereof.10.Amendments:AnyamendmenttothisAgreementmustbeinwritingandexecutedbothparties.11.Waiver:ThefailureofeitherpartytoenforceanyprovisionofthisAgreementshallnotbedeemedawaiverofsuchprovisionnoroftherightofsuchpartythereaftertoenforcesuchprovision.12.Survival:TheprovisionsofthisAgreementthattheirnatureshouldsurviveterminationorexpirationofthisAgreement,includingbutnotlimitedtoconfidentialityobligations,shallsurvivesuchterminationorexpiration.INWITNESSWHEREOF,thepartiesheretohaveexecutedthisAgreementasofthedatefirstabovewritten._________________________(NameofLender)_________________________(TitleofLender)_________________________(NameofBorrower)_________________________(TitleofBorrower)EndofFirstPart第二部分：第三方介入后的修正1.IntroductiontoThirdPartyInvolvement:Thissectionisintendedtooutlinetheinvolvementofthirdpartiesinthecontextofthe2025AnnualSmallandMediumEnterpriseCreditLoanAgreement.ForthepurposesofthisAgreement,a"thirdparty"referstoanyentityorindividualthatisnotapartytotheAgreementbutisinvolvedintheloantransactionortheprovisionofservicesrelatedtotheloan.2.TypesofThirdParties:2.1.MortgageBrokers:IndividualsorfirmsthatfacilitatetheprocessofobtainingamortgageloanfortheBorrower.2.2.CreditInsuranceProviders:CompaniesthatoffercreditinsurancetoprotecttheLenderagainstdefaulttheBorrower.2.3.LegalAdvisors:AttorneysorlawfirmsthatprovidelegaladvicetothepartiesregardingthetermsandconditionsoftheAgreement.2.4.FinancialAdvisors:IndividualsorfirmsthatprovidefinancialadvicetotheBorrowerregardingtheloananditsterms.2.5.InsuranceAgents:IndividualsorfirmsthatfacilitatethepurchaseofinsuranceproductsfortheBorrower.3.ThirdPartyResponsibilitiesandLimitations:3.1.MortgageBrokers:TheMortgageBrokershallactasanintermediarybetweentheBorrowerandtheLender.TheBroker'sresponsibilityislimitedtofacilitatingtheloanprocessandshallnotbeheldliableforanydefaulttheBorrower.3.2.CreditInsuranceProviders:TheCreditInsuranceProvidershallprovideinsurancecoveragetotheLenderagainsttheriskofdefaulttheBorrower.TheProvider'sliabilityshallbelimitedtotheamountofinsurancecoverageprovidedunderthepolicy.TheProvidershallnotberesponsiblefortheperformanceoftheBorrowerundertheAgreement.3.3.LegalAdvisors:TheLegalAdvisorshallprovidelegalopinionsandadvicetothepartiesregardingtheAgreement.TheAdvisor'sresponsibilityislimitedtoprovidinglegaladviceandshallnotbeheldliableforanyfinancialorbusinessdecisionsmadetheparties.3.4.FinancialAdvisors:TheFinancialAdvisorshallprovidefinancialadvicetotheBorrowerregardingtheloananditsterms.TheAdvisor'sresponsibilityislimitedtoprovidingadviceandshallnotbeheldliablefortheBorrower'sfinancialdecisionsortheperformanceoftheloan.3.5.InsuranceAgents:TheInsuranceAgentshallfacilitatethepurchaseofinsuranceproductsfortheBorrower.TheAgent'sresponsibilityislimitedtofacilitatingthepurchaseofinsuranceandshallnotbeheldliablefortheBorrower'sinsurancedecisionsortheperformanceoftheinsurancepolicy.4.AdditionalTermsandConditionsforThirdPartyInvolvement:4.1.Consent:TheBorrowerandtheLendershallobtaintheconsentofanythirdpartybeforeinvolvingthemintheloantransaction.4.2.FeesandCosts:Anyfeesorcostsassociatedwiththeinvolvementofathirdpartyshallbebornethepartyresponsibleforengagingthethirdparty.4.3.Confidentiality:Allpartiesinvolvedintheloantransaction,includingthirdparties,shallmaintaintheconfidentialityofanyinformationdisclosedtotheminconnectionwiththetransaction.4.4.Indemnification:TheBorrowerandtheLendershallindemnifyandholdharmlessanythirdpartyagainstanyclaims,losses,ordamagesarisingoutoforinconnectionwiththeloantransaction.5.DisputeResolution:5.1.IntheeventofadisputearisingbetweentheBorrower,theLender,andanythirdpartyinvolvedintheloantransaction,thepartiesshallseektoresolvethedisputeamicably.5.2.Ifthedisputecannotberesolvedamicably,thepartiesshallsubmitthedisputetoarbitrationinaccordancewiththerulesofthe_______________________(ArbitrationInstitution).6.Conclusion:Theinclusionofthirdpartiesintheloantransactionisintendedtoenhancetheefficiencyandsecurityofthetransaction.However,itiscrucialtoclearlydefinetheroles,responsibilities,andlimitationsofeachpartyinvolved,includingthirdparties,toensureasmoothandsuccessfulloantransaction.第三部分：其他補充性說明和解釋說明一：附件列表：1.LoanApplicationForm:Description:ThisdocumentprovidestheLenderwithinformationabouttheBorrower'sfinancialsituation,businessactivities,andloanrequirements.2.FinancialStatements:Detailedrequirements:TheBorrowermustprovideauditedfinancialstatementsforthepastthreeyears.Description:ThesestatementsareusedtheLendertoassesstheBorrower'sfinancialhealthandcreditworthiness.3.BusinessPlan:Detailedrequirements:TheBorrowermustsubmitadetailedbusinessplanoutliningthepurposeoftheloanandhowthefundswillbeused.Description:ThisdocumenthelpstheLenderunderstandtheBorrower'sbusinessstrategyandthepotentialforloanrepayment.4.PersonalFinancialStatements(ifapplicable):Detailedrequirements:TheBorrowermustprovidepersonalfinancialstatementsiftheBorrowerisanindividualorhasasoleproprietorship.Description:ThesestatementsprovidetheLenderwithinformationabouttheBorrower'spersonalfinancialsituation.5.CollateralDocumentation:Detailedrequirements:Ifcollateralisprovided,theBorrowermustprovidedocumentationthatprovesownershipandvalue.Description:ThisdocumentationisusedtheLendertosecuretheloanandtoestablishthevalueofthecollateral.6.InsurancePolicies:Detailedrequirements:TheBorrowermustprovidecopiesofinsurancepoliciescoveringthecollateral.Description:ThesepoliciesprotecttheLender'sinterestinthecollateralintheeventoflossordamage.7.LegalOpinions:Detailedrequirements:TheBorrowermayberequiredtoobtainlegalopinionsregardingtheenforceabilityoftheAgreement.Description:TheseopinionsprovidetheLenderwithassurancethattheAgreementislegallybinding.8.EnvironmentalComplianceDocumentation:Description:ThisdocumentationensuresthattheBorrowerisoperatinginaccordancewithapplicableenvironmentallaws.說明二：違約行為及責任認定：1.LatePayment:Detailedrequirements:IftheBorrowerfailstomakeapaymentontheduedate,itisconsideredadefault.Responsibility:TheBorrowershallpayalatefeeequalto_______________________(Amount)perdayofdelay.Example:Ifthemonthlypaymentisdueonthe1stofeachmonthandtheBorrowermakesthepaymentonthe10th,alatefeeof_______________________(Amount)shallbechargedforeachdayofdelay.2.FailuretoProvideRequiredDocumentation:Detailedrequirements:IftheBorrowerfailstoprovidetheLenderwithrequireddocumentationwithinthespecifiedtimeframe,itisconsideredadefault.Responsibility:TheBorrowershallbesubjecttoapenaltyequalto_______________________(Amount)foreachpieceofmissingdocumentation.Example:IftheBorrowerfailstoprovidetherequiredfinancialstatementswithin30daysoftherequest,apenaltyof_______________________(Amount)shallbeimposed.3.MisrepresentationofInformation:Detailedrequirements:IftheBorrowerprovidesfalseormisleadinginformationintheloanapplicationoranyotherdocument,itisconsideredadefault.Responsibility:TheBorrowershallbeliableforanylossesincurredtheLenderasaresultofthemisrepresentation.Example:IftheBorrowerstatesthattheyhavenooutstandingdebtbutlateritisdiscoveredthattheyhavealoanwithanotherlender,theBor