2025年度中小企業(yè)信用貸款合同英文版規(guī)范

甲方：XXX乙方：XXX20XXCOUNTRACTCOVER專業(yè)合同封面RESUME甲方：XXX乙方：XXX20XXCOUNTRACTCOVER專業(yè)合同封面RESUMEPERSONAL

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(xué)習(xí)使用，第一部分如下：2025ANNUALSMALLANDMEDIUMENTERPRISECREDITLOANAGREEMENTThisAgreementismadeandenteredintoon[DATE],betweenthefollowingparties:Lender:____________________(NameofLender)____________________(AddressofLender)____________________(ContactPerson)____________________(Position)Borrower:____________________(NameofBorrower)____________________(AddressofBorrower)____________________(ContactPerson)____________________(Position)WHEREAS,theBorrowerisengagedinthe[Industry]businessandisinneedofacreditloantofinanceitsoperations;ANDWHEREAS,theLenderiswillingtoprovideacreditloantotheBorrowerunderthetermsandconditionssetforthinthisAgreement;NOW,THEREFORE,inconsiderationofthemutualcovenantsandagreementscontainedherein,thepartiesheretoagreeasfollows:1.LoanAmountThetotalloanamounttobeadvancedtheLendertotheBorroweris[____________________](currencyandamount).2.InterestRate3.LoanTerm4.RepaymentScheduleTheBorrowershallrepaytheloaninequalmonthlyinstallmentsof[____________________](currencyandamount)startingon[____________________]andcontinuingfor[____________________]months.5.SecurityTheBorrowerherepledges[____________________](descriptionofsecurity)ascollateralfortherepaymentoftheloan.TheLendershallhavetherighttosellorotherwisedisposeofthesecurityupondefaulttheBorrower.6.DefaultandConsequencesIntheeventofanydefaulttheBorrowerunderthisAgreement,includingbutnotlimitedtofailuretomaketimelypayments,theLendershallhavetherighttodeclaretheentireoutstandingbalanceoftheloandueandpayableimmediately.7.ConfidentialityThepartiesagreetokeepconfidentialanyandallinformationdisclosedeitherpartytotheotherinconnectionwiththisAgreement,exceptasrequiredlaworcourtorder.8.GoverningLawThisAgreementshallbegovernedandconstruedinaccordancewiththelawsof[____________________].9.EntireAgreementThisAgreementconstitutestheentireagreementbetweenthepartiesandsupersedesallprioragreements,understandings,negotiations,anddiscussions,whetheroralorwritten,relatingtothesubjectmatterofthisAgreement.10.AmendmentsAnyamendmenttothisAgreementshallbeinwritingandshallbeexecutedbothparties.11.WaiverThefailureofeitherpartytoenforceanyprovisionofthisAgreementshallnotbedeemedawaiverofsuchprovisionnoroftherightofsuchpartythereaftertoenforcethesame.12.AssignmentTheBorrowershallnotassignthisAgreementwithoutthepriorwrittenconsentoftheLender.13.NoticesINWITNESSWHEREOF,thepartiesheretohaveexecutedthisAgreementasofthedatefirstabovewritten.Lender:____________________Borrower:____________________EndofFirstPart第二部分：第三方介入后的修正1.IntroductionofThirdParties2.RoleofThirdParties2.1ValuationServicesIftheLenderrequiresvaluationservicestoassesstheBorrower’sassetsorbusinessforsecuritypurposes,aThirdPartyValuermaybeengaged.TheThirdPartyValuershallbeindependentandshallprovideavaluationreportthatisacceptedbothparties.2.2LegalRepresentationTheBorrowerandtheLendermayengageseparatelegalrepresentativestoadvisethemonthetermsoftheagreement.TheselegalrepresentativesarenotconsideredThirdPartiesforthepurposesofthisagreementandareboundconfidentialityobligations.2.3CreditInsuranceTheBorrowermaypurchasecreditinsurancefromaThirdPartyCreditInsuranceProvidertomitigatetheriskofdefault.TheLendershallhavetherighttoreceivetheproceedsoftheinsuranceintheeventofdefaulttheBorrower.2.4IntermediaryServicesAnIntermediarymaybeinvolvedinfacilitatingtheloantransactionbetweentheLenderandtheBorrower.TheIntermediaryshallnotbeapartytotheloanagreementandshallactasanagentforbothparties.3.ResponsibilitiesandRightsofThirdParties3.1ThirdPartyValuerTheThirdPartyValuershallperformathoroughvaluationoftheBorrower’sassetsorbusinessasperthetermsagreedupon.Thevaluationreportshallbebindingonbothparties,andanydiscrepanciesshallberesolvedmutualagreement.3.2LegalRepresentativesThelegalrepresentativesshallprovideprofessionaladvicetotheirrespectiveclientsandshallnotactasagentsforanyotherparty.Theyshallmaintainconfidentialityandshallnotdiscloseanyconfidentialinformationtoanythirdpartywithouttheexpressconsentoftheirclient.3.3CreditInsuranceProviderTheCreditInsuranceProvidershallprovidetheBorrowerwithinsurancecoverageasperthetermsofthepolicy.Intheeventofdefault,theLendershallhavetherighttoclaimtheinsuranceproceedsdirectlyfromtheCreditInsuranceProvider.3.4Intermediary4.LimitationofLiabilityofThirdParties4.1ThirdPartyValuerTheliabilityoftheThirdPartyValuershallbelimitedtotheprovisionofavaluationreportbasedonreasonablecareandskill.TheValuershallnotbeliableforanylossordamagesufferedeitherpartyasaresultofrelianceonthevaluationreport.4.2LegalRepresentativesThelegalrepresentativesshallnotbeliableforanylossordamagesufferedeitherpartyasaresultoftheiradvice,unlesssuchlossordamageisduetotheirnegligenceorwillfulmisconduct.4.3CreditInsuranceProviderTheliabilityoftheCreditInsuranceProvidershallbelimitedtotheextentofthecoverageprovidedunderthecreditinsurancepolicy.TheProvidershallnotbeliableforanylossordamagethatisnotcoveredthepolicy.4.4IntermediaryTheliabilityoftheIntermediaryshallbelimitedtotheextentoftheirservicesasafacilitatorandshallnotbeliableforanylossordamagesufferedeitherpartyasaresultoftheloanagreement.5.Indemnification5.1TheBorroweragreestoindemnifyandholdharmlesstheLender,theThirdPartyValuer,theLegalRepresentatives,theCreditInsuranceProvider,andtheIntermediaryfromandagainstanyclaims,actions,demands,liabilities,losses,damages,andexpensesarisingoutoforinconnectionwiththeloanagreement,excepttotheextentcausedthenegligenceorwillfulmisconductoftheindemnifiedparty.5.2TheLenderagreestoindemnifyandholdharmlesstheBorrower,theThirdPartyValuer,theLegalRepresentatives,theCreditInsuranceProvider,andtheIntermediaryfromandagainstanyclaims,actions,demands,liabilities,losses,damages,andexpensesarisingoutoforinconnectionwiththeloanagreement,excepttotheextentcausedthenegligenceorwillfulmisconductoftheindemnifiedparty.6.Confidentiality6.1AllpartiesagreetomaintaintheconfidentialityofanyinformationdisclosedtotheminconnectionwiththisAgreementandtheinvolvementofThirdParties.ThisobligationofconfidentialityshallsurvivetheterminationofthisAgreement.7.GoverningLawandDisputeResolution7.1Thissectionandthetermsoftheloanagreementshallbegovernedandconstruedinaccordancewiththelawsof[____________________].7.2Anydisputesarisingoutoforinconnectionwiththissectionandthetermsoftheloanagreementshallberesolvedthroughnegotiation.Ifnegotiationfails,thepartiesshallsubmitthedisputetoarbitrationinaccordancewiththerulesof[____________________].TheinclusionofthissectionensuresthattheinvolvementofThirdPartiesisclearlydefined,theirrolesandresponsibilitiesareoutlined,andtheirliabilityislimitedtotheservicestheyprovide.Thisprotectstheinterestsofallpartiesinvolvedandmaintainstheintegrityoftheloanagreement.第三部分：其他補(bǔ)充性說明和解釋說明一：附件列表：1.ValuationReport:Requirement:AdetailedvaluationreportpreparedaThirdPartyValuer,outliningthevalueoftheBorrower’sassetsorbusiness.Description:ThereportshallincludeanassessmentoftheBorrower’sassets,liabilities,andbusinessoperations,andshallbebasedonathoroughinspectionandanalysis.2.LegalOpinionLetter:Requirement:AlegalopinionletterfromtheBorrower’slegalrepresentative,confirmingthevalidityoftheloanagreementandtheBorrower’scapacitytoenterintotheagreement.Description:ThelettershallstatethattheagreementisenforceableandthattheBorrowerisnotunderanylegaldisabilitythatwouldpreventitfromfulfillingitsobligationsundertheagreement.3.CreditInsurancePolicy:Requirement:AcopyofthecreditinsurancepolicypurchasedtheBorrowerfromaThirdPartyCreditInsuranceProvider.Description:Thepolicyshalldetailthecoverageprovided,thepremiumamount,andthetermsandconditionsoftheinsurance.4.IntermediaryAgreement:Requirement:AnagreementbetweentheLenderandtheIntermediary,outliningthescopeofservicestobeprovidedandthefeestobecharged.Description:TheagreementshallspecifythedutiesoftheIntermediaryandtheobligationsoftheLenderwithrespecttotheloantransaction.5.FinancialStatements:Description:Thefinancialstatementsshallbepreparedinaccordancewithgenerallyacceptedaccountingprinciplesandshallbeauditedacertifiedpublicaccountant.6.RepaymentSchedule:Requirement:Adetailedrepaymentscheduleoutliningthemonthlyinstallmentamounts,duedates,andanyadditionalpayments.Description:Thescheduleshallbebasedontheloanamount,interestrate,andloantermagreeduponintheloanagreement.7.SecurityAgreement:Requirement:AnagreementbetweentheBorrowerandtheLender,outliningthetermsandconditionsofthesecurityprovidedtheBorrower.Description:Theagreementshallspecifythetypeofsecurity,itsvalue,andtheproceduresforitsseizureandsaleintheeventofdefault.說明二：違約行為及責(zé)任認(rèn)定：1.LatePayment:Definition:Failuretomakealoanpaymenttheduedate.Responsibility:TheBorrowershallpayalatefeeequalto[____________________]%oftheoutstandingamountforeachmonthoflatepayment.Example:Ifthemonthlyinstallmentis$10,000andtheBorrowerisonemonthlate,alatefeeof$100willbecharged.2.FailuretoMaintainSecurity:Definition:FailuretomaintainthevalueofthesecurityprovidedtotheLender.Responsibility:TheBorrowershallberesponsiblefor