1、余磊簡介余磊，男，漢族，1986年12月出生，原籍河南。2007年6月加入中國共產(chǎn)黨，2010年9月參加工作。中國地質(zhì)大學(xué)（北京）英語專業(yè)畢業(yè)，研究生學(xué)歷。法律翻譯經(jīng)驗(yàn)豐富，積累有眾多翻譯資料！2008年9月至今 北京旗渡錦程法律翻譯有限公司兼職翻譯2009年9月2010年2月 北京鑫誠翻譯服務(wù)有限公司實(shí)習(xí)翻譯2009年7月2010年8月 Infotiv ltd China工作國際貸款合同適用貸款人本協(xié)議由ABC公司（簡稱為“借款人”或“借款方”），國公司，與信貸銀行（簡稱為“銀行”），國家銀行機(jī)構(gòu)，于日訂立。This ACREEMENT entered into as Of_，_， betw

2、eenABCcompany，aNameOfCountrycompany（the Borrower）andBANK，NA.，anationslbanking aSSoCia“On Of the Un“ed StateS Of（the“Bank”）此證：WITNESSETH：鑒于借款人已向銀行要求基于本協(xié)議規(guī)定的條件和款項(xiàng)，向借款人提供一筆本金為美元（US$）的定期貸款；WHEREAS，the Borrower has requested the Banktoextend to 1the Borrower a term 10an in theprincipalamount OfUnited Sta

3、tes Dollars（US$）upon the terms and subject to theConditiohS Of this Agreement；and鑒于銀行已準(zhǔn)備基于本協(xié)議規(guī)定的條件和款項(xiàng)，向借款人提供此項(xiàng)定期貸款；WHEREAS，theBankispreparedtomakeSUChaloan aVailabletotheBorroweruponthetermsandsubjecttothe conditions Of this Agreement；據(jù)此，以雙方相互承諾為對價(jià)，就下述內(nèi)容達(dá)成一致：NOW，THEREFORE，incOnSidera“onofthe mutual

4、promises Contained therein，the par“es agree as f0110ws：第一條定義Article 1DefinitonS11基于本協(xié)議之目的，下列詞語可定義為：Section11FOrthePurposesOfthisAgreement，the following expressions have the meanings set fonh below：“營業(yè)日”指位于和的銀行開始正常銀行業(yè)務(wù)的任何一天，以及同業(yè)銀行拆借市場進(jìn)行美元拆借交易的任何一天。Business Day:any day on which banks are open to condu

5、ct theirregularbankingbusinessin，england，andLos Angeles，andonwhichdealingsinDOllardeposits between banks are carried out in theinterbank market;“承諾”：指銀行在本協(xié)議生效日即承擔(dān)向借款人貸款的義務(wù)。Commitment: the obligation of the Bank to make the loan to the Borrower on the date hereof;“信貸”；指位于的信貸銀行的國際分部。Credit: Credit Ban

6、k， International Division，;“美元”：及“$”符合，指美利堅(jiān)合眾國的法定貨幣與本協(xié)議項(xiàng)下所有支付有關(guān)的現(xiàn)匯。Dollars and the sign $ : lawful money of the United States of America and ， in relation to all payments hereunder， immediately available funds;“違約事件”：指依本協(xié)議第八條中所列舉的所有事件。Event of Default: any of the events specified in Article Vlll of

7、this Agreement;“擔(dān)保人”：指銀行。Guarantor:Bank Limited;“負(fù)債”：任何人或借款人的負(fù)債是指依據(jù)國通常接受的會計(jì)準(zhǔn)則所包括的在債務(wù)被確認(rèn)之日該人或借款人之資產(chǎn)負(fù)債表負(fù)債一側(cè)所表明的確定負(fù)債的全部債務(wù)項(xiàng)目，其也包括其他被承繼或被擔(dān)保的，或?qū)俳杩钊舜我蚺及l(fā)的債務(wù)（有別于在托收過程中文件背書）在內(nèi)的債務(wù)及負(fù)債，無論是源于任何協(xié)議所引起的負(fù)債，或是提供款項(xiàng)及預(yù)付款項(xiàng)或其他方式引起的負(fù)債均屬此范圍。Indebtedness: of any Person， or the Borrower， means all items of indebtedness which，

8、 in accordance with generally accepted accounting principles in Name of Country Would be included in determining liabilities as shown on the liability side of a balance sheet of such Person or the Borrower as of the date indebtedness is to be determined ， and shall also include all indebtedness and

9、liabilities of others assumed or guaranteed or in respect of which the Borrower is secondarily or contingently liable （other than by endorsement of instruments in the course of collection）， whether by reason of any agreement to acquire such indebtedness or to supply or advance sums or otherwise;“分期付

10、款日”：指根據(jù)41的規(guī)定自協(xié)議生效之日起達(dá)到18個(gè)月，24個(gè)月，30個(gè)月，36個(gè)月，42個(gè)月，48個(gè)月，54個(gè)月和60個(gè)月之日。Installment Payment Dates: subject to Section 4.1， the dates which are eighteen months， twenty-four months， thirty months，thirty-six months， forty-two months， forty-eight months， fifty-four months and sixty months from the date hereof;“

11、付息日”：是指每一個(gè)計(jì)息期的最后一日。Interest Payment Date: the last day of each Interest Period;“計(jì)息期”：指自協(xié)議生效日起個(gè)月之后止的一段期間，每一計(jì)息期自上一計(jì)息期最后一日始，到借款人所選擇的三個(gè)月后或六個(gè)月后止，但是（I），如果每一計(jì)息期的最后一日不是銀行營業(yè)日者，則順延到下一營業(yè)日，或（II）假若一個(gè)計(jì)息期早于或晚于分期付款日開始或截止，則計(jì)息期將在該分期付款日結(jié)束。Interest Period: the period commencing on the date hereof and ending on the day

12、which is_ months after such date， andeach period thereafter beginning on the last day of the immediately preceding Interest Period and ending on the day which is three months or six months after such date， as the Borrower may elect;provided， however， that （ I ） any Interest Period which would otherw

13、ise end on a day which is a Business Day shall be extended to the next succeeding day which is a Business Day ， and （ I ） any Interest Period commencing before and which would otherwise end after an Installment Payment Date shall end on such Installment Payment Date;“利率”指依24、26和27中規(guī)定，或另有規(guī)定的利率。Intere

14、st Rate: the rate of interest to be determined as provided in sections 2.4， 2.6and 2.7， as the case may be:“貸款機(jī)構(gòu)”：是指國際銀行機(jī)構(gòu)，或根據(jù)其意愿隨時(shí)指定的分行、分理處、分支機(jī)構(gòu)或支行：貸款將自此類機(jī)構(gòu)發(fā)放，且未償付及全部償付款項(xiàng)亦由此類機(jī)構(gòu)收取。Lending Office: the International Banking Facility of the Bank， or such other branch， office， affiliate or subsidiary of

15、 the Bank as it may at its discretion from time to time designate， from which the Loan will thereafter be made and for the account of which the Loan will be outstanding and all payments hereunder will be made；“貸款”：指依本協(xié)議21款規(guī)定由銀行向借款人發(fā)放的貸款。Loan: the loan made by the Bank to the Borrower pursuant to Sec

16、tion 2.1 hereof;“票據(jù)”：指由借款人開業(yè)以銀行為指定付款的依附錄A基本內(nèi)容的期票，其證明因銀行依本協(xié)議向借款人發(fā)放貸款而產(chǎn)生的借款人對銀行的負(fù)債。Note: the promissory note of the Borrower to the order of the Bank in substantially the form of Exhibit A hereto， evidencing the indebtedness of the Borrower to the Bank resulting from the Banks Loan to the Borrower;“人”

17、，指任何自然人、公司、商號、團(tuán)體、政府、政府機(jī)構(gòu)或除借款人以外的任何以個(gè)人、團(tuán)體或其他名義的實(shí)體。Person: any natural person， corporation， firm， association，overnment ， governmental agency or any other entity other than be Borrower and whether acting in an individual， fiduciary or other pacity.第二條貸款A(yù)rticle 2The Loan21承諾Section 2.1 The Commitment.根

18、據(jù)本協(xié)議規(guī)定的條件和款項(xiàng)并基本借款人作出的陳述與保證，銀行同意通過其貸款機(jī)構(gòu)借出，且借款人也同意借人本金為萬美元（$）的貸款。Upon the terms and subject totheconditionshereinsetforth，andrelyinguponthe representations and warranties of the Borrower， the Bank agrees， acting through its Lending office; on the date hereof to lend to the borrower， and the Borrower a

19、grees to borrow， the principal amount ofDollars （$）.22釋放Section2.2Disbursement.自協(xié)議生效之日起，依協(xié)議第六條規(guī)定，銀行應(yīng)向借款人在紐約指定的賬號匯入?yún)f(xié)議約定的數(shù)額款項(xiàng)。如借款人未能完成第六條中規(guī)定的貸款先決條件，則銀行無義務(wù)提供此項(xiàng)貸款。Onthedatehereof，upon fulfillment of the conditions set forth in Article VI， the Bank shall make the amount of the Loan available to the Borro

20、wer by remitting the amount of the Loan to an account in New York designated by the Borrower， If the Borrower fails to satisfy the conditions precedent set forth in Article VI 1， the Bank shall be obligated to make the Loan.23還款、支付利息及計(jì)息期的確定Section 2.3Repayment; Payment of Interest; Designation of In

21、terest Period.借款人同意依照協(xié)議規(guī)定的利息率，在付款日，分八期償還貸款本金。借款人應(yīng)就其選擇三個(gè)月或六個(gè)月利息期的結(jié)果，在利息期償付之前5個(gè)營業(yè)日（第一個(gè)利息期除外），通知銀行。如果銀行未收到上述通知，則下一利息期的長度與上個(gè)相同；假若一個(gè)計(jì)息期早于或晚于分期付款日開始或截止，則計(jì)息期將在該分期款日結(jié)束。The Borrower agrees to repay the principal amount of the Loan on the installment Payment Dates in eight equal installments and to pay intere

22、st on each interest Payment Date on the outstanding principal balance of the Loan at the Interest Rate. The Borrower shall give notice to the Bank not less that five Business Days prior to the commencement of each interest Period （other than the first Interest Period） whether it has elected an Inter

23、est Period of three months or six months. If no such notice is received by the Bank， the relevant interest Period shall be the same length as the previous Interest Period; provided， however， that an interest Period commencing before and which would otherwise and after an installment Payment Data sha

24、ll end not such installment Payment Date.24利率的確定Section 2.4Determination of interest Rate.依照協(xié)議規(guī)定每一計(jì)息期的利息應(yīng)為百分之（），此利率加該計(jì)息期償付前兩日，時(shí)間11：OOAM，同業(yè)銀行拆借市場的利率。The interest Rate for each interest Period with respect to the Loan shall bepercent （%） above the rate at which Dollar deposits in an amount equal to th

25、e principal amount of the Loan to be made or maintained are offered by the Bank for such Interest Period to prime banks in the London interhank market as of 11: 00A. M.（time ）twoBusinessDayspriortothe commencement of such Interest Period.25票據(jù)Section 2.5 The Note.借款人償還本金的義務(wù)應(yīng)由借款人的期票證明，其基本格式應(yīng)參照附錄A，并符合本

26、條（25）的規(guī)定。票據(jù)應(yīng)（1）以本協(xié)議的生效日期為期票出具日期；（）依銀行指令支付與貸款本金相等的款項(xiàng)；（）分為相等的八期，每一期在分期付款日到期；（N）依規(guī)定利率償付到期未付的本金部分的利息，依每一計(jì)息期在付息日償付。The Borrowers obligation to reply the principal amount of the Loan made by the Bank hereunder shall be evidenced by a note of the Borrower in the form of Exhibit A to this Agreement with app

27、ropriate in sections pursuant to this Section 2.5. The Note shall （ I ） be dated the date hereof， （ II ） be payable to the order of the Bank in the principal amount of the Loan， （ III ） mature in eight equal installments， payable on the Installment Payment Dates and （IV） bear interest at the interes

28、t Rate on the outstanding principal balance thereof from time to time， computed for each Interest Period and payable on the Interest Payment Dates.26替代基礎(chǔ)Section 2.6Substitute Basis.在利率是依24款規(guī)定確定時(shí)，（1）銀行應(yīng)確定利率已定而本金尚未償付的那一期利息期的美元無法在倫敦同業(yè)銀行市場上拆借到或（），在某一確定利息期，其原先規(guī)定的利息，即從倫敦同業(yè)銀行拆借的利息無法正確反映銀行的費(fèi)用時(shí)，銀行應(yīng)在該計(jì)算期生效第一天

29、之前至少一個(gè)營業(yè)日，以電傳、電報(bào)或電話方式、將銀行作出的決定通知借款人。在此通知后的天，銀行和借款人應(yīng)通過友好會談確定一個(gè)雙方都能接受的基礎(chǔ)（簡稱為“替代基礎(chǔ)”）。如果在此通知后的天內(nèi)銀行劃款人商定了替代利率，該利率應(yīng)具有追溯力且自該利息期的第一天起生效。如果在此通知后的天內(nèi)，銀行和借款人未能就替代利率達(dá)成一致，銀行應(yīng)以書面形式向借款人出具一份銀行為獲得該利利期內(nèi)貸款所應(yīng)負(fù)擔(dān)利息的文件，應(yīng)當(dāng)明確的是銀行的利息率應(yīng)與的相同，上述利息若確實(shí)影響了銀行籌集該利息期貸款的費(fèi)用，則新利率自該利息期的第一天起就有效。銀行應(yīng)向借款人提供其獲得貸款的途徑及為獲得此貸款而支付費(fèi)用的證明。在收到銀行有關(guān)利息率或?yàn)?/p>

30、獲得貸款而支付的利息的通知后，借款人有權(quán)依據(jù)47的規(guī)定，將貸款和本票中尚未支付的本金的全部（不是部分），加上自此預(yù)付日起計(jì)算的利息，一次性地先行償付銀行。In the event that on any date on which an Interest Rate is to be determined pursuant to Section 2.4， （ I ） the Bank shall determine that Dollar deposits in the principal amount of the Note to be outstanding for the interest

31、 Period for which such interest Rate is to be determined are not available to the Bank in the London interbank market， or （ II ） the Bank shall determine that the offered rate quotations at which Dollar deposits are offered in the London interbank market do not accurately reflect the cost fo the Ban

32、k of making maintaining the Loan for such interest period， the Bank shall forthwith give notice of such determination to the Borrower， by telex， telegram or cable at least one Business Day prior to the first day of any interest Period so affected. During the thirty （） days next succeeding the date o

33、f any such notice， the Bank and the Borrower shall enter into negotiations in good faith in order to arrive at a mutually acceptable alternative basis （such alternative basis being hereinafter referred to as the Substitute Basis） for funding the Loan. If within the thirty （） days following the date

34、of any such notice the Bank and the Borrower shall agree upon a Substitute Basis， such Substitute Basis shall be retroactive to and effective from the first day of the then current Interest Period. If after thirty （） days from the date of such notice the Bank and the Borrower have failed to agree up

35、on a Substitute Basis， then the Bank shall certify in writing to the Borrower the interest rate or rates at which the Bank is prepared to make or maintain the Loan for such interest Period， it being understood that the Banks interest rate shall be a rate per annum equal to one and one-half percent （

36、%）， above a rate which adequately and fairly reflects the cost to the Bank of obtaining the funds necessary to maintain the Loan for the then current Interest Period， such interest rate or rates to be retroactive to and effective from the first day of such interest Period. The Bank shall furnish to

37、the Borrower appropriate evidence establishing the manner in which the Bank obtained such funds and the cost to the Bank of obtaining such funds. Upon receipt of notice of the interest rate or rates at which the Bank will make or maintain the Loan， the Borrower shall have the right to prepay in full

38、 （but not in part），pursuant to the provisions of Section 4. 7， the then outstanding principal amount of the Loan and the Note， together with interest accrued therein to the date of such prepayment.27過期未付本金的利息率Section 2.7 Interest Rate on Overdue Principal.在借款人未能償還根據(jù)貸款合同和本票的規(guī)定應(yīng)償還的款項(xiàng)時(shí)，借款人應(yīng)根據(jù)要求向本票持有人支付

39、利息，利息從應(yīng)付款日起計(jì)算，到實(shí)際付款日止。每一年的利率以下列中較高的為準(zhǔn)：（1）在借款人未能按期償付本息的利息期的上一利息率的基礎(chǔ)上再加上個(gè)百分點(diǎn)（），或（）在借款人未能償付之日的同業(yè)銀行拆借市場上的上午，主要銀行所出具的貸款利率報(bào)價(jià)的基礎(chǔ)上再加個(gè)百分點(diǎn)（）。銀行應(yīng)以正確的書面方式或電傳通知借款人確定的利息。在不損害本條規(guī)定的銀行的權(quán)利以及準(zhǔn)據(jù)法允許的前提下，借款人同意補(bǔ)償銀行因?yàn)榻杩钊瞬患皶r(shí)償還貸款或本材料規(guī)定的本金或利息，或其他費(fèi)用，如銀行為遵守出貸承諾或?yàn)楂@得貸款款項(xiàng)而產(chǎn)生的損失。為此，銀行應(yīng)出具一份標(biāo)明損失和費(fèi)用的證書。In the event of failure by the B

40、orrower to pay when due （whether upon stated maturity . by acceleration or otherwise）any payments due under the Loan or the Note， the Borrower shall pay interest， to be paid upon demand， to the holder of the Note on the unpaid amounts from the date such payments were due to the date of actual paymen

41、t， （before as well as after judgment） for each day at a rate peranrum equal to the higher of （ I ）percent （%） above the Interest Rate applicabletotheLoanfortheInterestPeriodimmediately preceding the failure by the Borrower to pay or （ I ）percent （%）above the rate at which Dollar deposits were offere

42、d by the Bank in the amount outstanding for a one month period to prime banks in the London interhank market as of. （time ）on the date of such failure by the Borrower to pay and on the first Business Day of each succeeding one month period thereafter. The Bank shall give prompt written or telex noti

43、ce to the Borrower of the Interest Rate in effect from time to time in accordance with the foregoing sentence. Without prejudice to the rights of the Bank under this Section and to the extent permitted by applicable law， the Borrower agrees to compensate the Bank for any loss or expense which the Ba

44、nk may sustain or incur as a consequence of the Failure by the Borrower to pay when due any portion of the principal of or interest accrued on the Loan or the Note， or any other amount payable hereunder， including but not limited to any amounts payable by the Bank in order to honor its Commitment or

45、 make or maintain the Loan. A certificate of the Bank setting forth the basis for the determination of the amounts necessary to compensate the Bank as aforesaid in respect of such loss or expense shall be conclusive as to such determination and such amounts.28計(jì)算、終局決定Section 2.8 Computation; Determin

46、ation Conclusive.所有償付的利息以360天為一年，按實(shí)際用款天數(shù)計(jì)算。銀行對每一期利息率的確定都對各當(dāng)事方有約束力。All payments of interest shall be computed on the basis of a year of 360 days for the actual number of days involved. Each determination of anyInterestRatebytheBankshallbeconclusiveand bindingon the parties hereto （ save for manifest

47、arithmetic error）.29收入的利用Section 2.9Use of proceeds.（a）貸款收入應(yīng)用作（確定用途）。（a）The proceeds of the Loan will be used to finance aspecify purpose.（b）銀行提示借款人，借款人確認(rèn)其了解根據(jù)美國聯(lián)邦儲備系統(tǒng)管理委員會的政策，國際貨款只能資助美國以外的非美籍企業(yè)。借款人確認(rèn)貸款收入將只被用于資助美國以外的業(yè)務(wù)。（b）The Bank hereby notifies the Borrower， and the Borrower hereby acknowledges th

48、at it understands， that it is the policy of the Board of Governors of the Federal Reserve System of the United States of America that extensions of credit by international banking facilities may be used only to finance the non- United States operations of a customer located outside the United States

49、 of America. The Borrower acknowledges that the proceeds of the Loan will be used solely to finance its operations outside the United States of America.第三條信用證Article 3Letter of Credit31信用證Section 3.1Letter of Credit.為支持并擔(dān)保借款人履行本合同及本票項(xiàng)下的義務(wù)，擔(dān)保人應(yīng)按照附錄2（保函”）的格式向銀行出具一份備用信用證。該保函的金額應(yīng)為，且有效期應(yīng)到償付貸款日后一個(gè)月的第一天為止。

50、The performance by the Borrower of its obligations hereunder and under the Note shall be supported and guaranteed by a standby letter of credit issued to the Bank by the Guarantor in the form of Exhibit B hereto （the Guaranty）. Such Guaranty shall be in the Amount of and shall not expire prior to th

51、e date which is one month after the final installment Payment Date.第四條付款A(yù)rticle 4Payments41付款Section 4.1 Payment.根據(jù)合同和本票的規(guī)定，借款人對應(yīng)向銀行償付的貸款不得抵銷、反訴并可自由兌換，付款應(yīng)向洛杉磯的貸款機(jī)構(gòu)支付，不遲于當(dāng)?shù)貢r(shí)間（時(shí)間）上午10：00。一旦應(yīng)付款日為非營業(yè)日，則自動順延到該日后的第一個(gè)營業(yè)日。在計(jì)算利息和金額時(shí)應(yīng)包括這一日和下一個(gè)營業(yè)日。All payments made by the Borrower under this Agreement or the N

52、ote shall be made to the Bank without setoff or counterclaim and in freely transferable United States Dollars no later than 10:00 a.m.（time） at CrockerLosAngelesfortheaccountoftheLending Office. Whenever any funds are due t be paid on a day which is not a Business Day，the date for the making thereof

53、 shall be extended to the next succeeding Business Day. Interest or any other amounts due hereunder shall be computed on the basis of the number of days elapsed until and including such succeeding Business Day.42以美元付款的義務(wù)Section 4.2 Obligation to Make Payments in Dollars.根據(jù)本合同和本票規(guī)定，應(yīng)由借款人償付的本金和利息應(yīng)以美元支

54、付，而無論若干何種法律、規(guī)則或制度，也無論是現(xiàn)有的或根據(jù)任何管轄權(quán)將可能會影響此項(xiàng)義務(wù)的履行。此義務(wù)也可通過償付或訴訟方式予以保護(hù)。此項(xiàng)以美元付款日的義務(wù)應(yīng)是通過訴訟可以強(qiáng)制執(zhí)行的，并且不受其他裁決的影響。The obligation of the Borrower to repay the principal of and interest on the Loan and the Note， together with interest thereon， pursuant to the terms of this Agreement and of the Note， and the obli

55、gation of the Borrower to pay all other amounts under this Agreement， shall be dischargeable only by payment in Dollars， regardless of any law， rule， regulation or statute， whether now or hereafter in existence or in effect in any jurisdiction which affects or purports to affect such obligation. The obligation of the Borrower to make payment in Dollars of the principal of and interest on Loan and the Note shall not be discharged or satisfied by any tender， or any recovery pursuant to any judgment， which is expressed in or converted by the Ba