融资法规范本(融资相关法律法规)

国际贷款/融资合同分类条款（中英文对照第三部分）

CLASSIFIED ARTICLES OF LOAN/FINANCING CONTRACT



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目录 TABLE OF CONTENT

情势变更 CHANGE OF SITUATION

担保与抵押

GUARANTEES AND MORTGAGES

保险INSURANCE

抵销、转让和权利放弃

SETOFF, ASSIGNMENT AND WAIVER

合同变更

MODIFICATION OF THE CONTRACT

通知 NOTICE

税务 TAXES

借款人的财务报表BORROWER’S FINANCIAL STATEMENTS

重大事项报告

REPORTS ON MATERIAL ISSUES

适用法律及争议解决APPLICABLE LAW AND DISPUTE SETTLEMENT

出借人债权转让

TRANSFER OF CREDITOR’S RIGHT BY THE LENDER

其它

MISCELLANEOUS PROVISIONS



部分章节示例如下：

担保与抵押

本合同的担保人及担保方式见 。具体约定由本合同中相应的担保条款确足。

Guaranty type. The Guarantor and guaranty type under this Contract is specified in . The specific stipulations are stated in corresponding guaranty clauses.



本合同借款的担保方式为 _________。

The guarantee type for the loan of this contract shall be house property mortgage.



为支持并担保借款人履行本合同及本票项下的义务，担保人应按照附录2（保函”）的格式向银行出具一份备用信用证。该保函的金额应为 ，且有效期应到偿付贷款日后一个月的第一天为止。

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 the date which is one month after the final installment Payment Date.



担保人依 国法律组建并具有良好声誉，而且其具有全部能力、授权和法律权力依担保承付债务、签署担保文件以及履行和遵守担保文件条款；在担保文件签署之后即具有法律效力，有效并对担保人义务在X国有管辖权的法院依担保条款而具有强制力。

The Guarantor is duly organized and in good standing under the laws of C Name of Country] and has full power， authority and legal right to incur indebtedness under the Guaranty， to execute and deliver the Guaranty， and to perform and observe the terms and provisions of the Guaranty， and the Guaranty when duly executed and delivered will constitute the legal， valid and binding obligation of the Guarantor enforceable in accordance with its terms in anycompetent court in （〔Name of Country〕）



1. 借款方以其现有的和将来拥有的生产设备、原材料、成品和半成品向贷款方提供抵押。

The Borrower agrees to Mortgage to the Lender all equipments, raw materials, finished and unfinished goods owned now and in the future by the Borrower.



2.《抵押物清单》对抵押物价值的约定，并不作为贷款方依本合同对抵押物进行处分的估价依据，也不构成贷款方行使抵押权的任何限制。

The value of the Mortgaged properties stipulated in the < Mortgaged Properties List > shall neither be deemed as the price of sale nor as any limit on the Mortgagee’s right, while the Lender exercises its right.



3. 抵押物的相关有效证明和资料由当事人确认封存后，由借款方交与贷款方保管，但法律法规另有规定的除外。

Subject to any the laws and regulations, any information and certifications in respect of the Mortgaged properties shall be handed over by the Borrower to the Lender after sealed.



4. 浮动抵押担保的范围为本金、利息、管理费、违约金、赔偿金以及实现债权所发生的一切费用，包括但不限于诉讼费、公证费、仲裁费、律师费、财产保全费、差旅费、执行费、评估费、拍卖费等。

The floating Mortgage hereof secures the principal, interests, management fees, compensation, and any other cost arising from the enforcement of the Lender’s right pursuant to this Contract, including but without limitation court fee, cost for notarization, arbitration fee, attorney fee, fee for custody, traveling expense, compulsory execution fee, assessment fee and auction fee.



5. 借款方应自本合同签订之日起三十日内向有关部门办理本合同的审批、备案和登记等事宜，所产生的费用由借款方承担。

The Borrower shall apply for administrative approval, record-keeping and registration on its own fee in thirty days from the signing of this Contract.



6. 借款方应当合理使用和妥善保管抵押物，如抵押物的价值比本合同签订时的评估价减少15%以上的，借款方应当在三日内通知贷款方。贷款方有权要求借款方继续提供相应担保或者提前还款。

The Borrower shall use and keep the Mortgaged properties in a reasonable manner, in case the value of the Mortgaged properties have been reduced by 15% from the agreed value at the date of signing this Contract, the Borrower shall inform the Lender. The Lender is entitled to require the Borrower for appropriate securities or for repayment immediately.



7. 贷款方在借款方发生以下情形之一时，可以行使抵押权：

The Lender is entitled to exercise its Mortgagee’s right, in the following cases:



（1）借款方违反本合同所约定的义务；

The Borrower is in default of its obligation hereof;



（2）经营情况严重恶化、减少注册资本；

The Borrower’s business has seriously deteriorated or reduced the registered capital.



（3）借款方分立、合并； The Borrower is to be or has been divided or merged;



（4）借款方涉及重大纠纷诉讼，涉案标的30万元人民币以上；

The Borrower is involved in an important litigation or any other dispute of which the amount is above 300,000RMB.



（5）借款方破产、歇业、解散、被停业整顿、被吊销营业执照；

The borrower risks to bankruptcy or goes bankrupt, closes out, dissolves, has been asked to suspend business to raise standards or has its license revoked;



（6）借款方住所或法定代表人发生变更；

The business place or the legal representative has been changed;



（7）其他因借款方原因可能导致贷款方拥有抵押权无法实现的情形。

The Lender could not enforce the Mortgagee’s right because of any other event due to the Borrower.



借款方发生或很可能发生以上情形之一的，贷款方书面通知借款方之日为浮动抵押财产确定之日。若借款方不签收通知回执的，贷款方有权按本合同第十四条所示方法通知，视为乙方已经收到。

If any case above said occurs or more than likely to occur, the floating Mortgage converts into being fixed Mortgage at the date of notice sent by the Lender. If the Borrower refuses to sign receipt, it is deemed to have received the notice sent by the Lender in according article 14.



本合同项下的担保条款的效力独立于本合同。甲方对借款提供的担保可选择如下方式，详见本合同第十四条第八款。

8.1 The effectiveness of guarantee terms under this contract is independent of

this contract. The guarantee type for the loan is specified in Article 15.8.



一、抵押担保Mortgage Guarantee

（一）抵押人自愿将本合同附件一“抵押物清单”所列明的财产（以下简称抵押物）抵押给乙方，作为甲方偿还本合同项下借款的担保。

The mortgager voluntarily mortgages the property in Guaranty List-the

Attachment A of this contract, and agrees to be restricted by this contract.



（二）本合同抵押物的共有权人同意将本合同项下的抵押物作抵押，并同意受本合同约束

The co-owner of the mortgaged property under this contract agrees to

mortgage the property and be restricted by this contract.



（三）抵押担保范围：Scope of Guarantee

1．本合同项下的借款本金、利息（含复利）、罚息；

The principal of loan, interest (including compound interest), penalty interest under this contract;



2．违约金、赔偿金、补偿金；8.3.2 Penalty, compensation, reimbursement;

3．为实现债权和抵押权而支付的费用（包括但不限于因违约方产生的律师费、抵押物处置费）。

Expenses arising from realization of liability and guarantee right(including,

but not limited to attorneys' fees, assessment fee, auction fee, law suit fee,

all-risk fee, travel expense etc.).



（四）抵押人必须依照法律规定办理抵押物的登记手续。抵押人向乙方提供该抵押物的所有权证明文件及有关资料，抵押登记证明文件正本交乙方保管。

The mortgager shall complete the registration of mortgaged property based on laws and regulations. The mortgager shall take on the fees for the mortgaged property. The mortgager shall provide to the Party B the evidence documents and relevant materials of ownership of the guaranty, and the original of Mortgage Registration Certificate shall be kept by Party B.



（五）出现下列情形之一，乙方可以行使抵押权：

Party B can exercise the mortgage right in case one of following situations happens:



1．甲方债务履行期限届满，乙方未受清偿或未受完全清偿的；

Party A fails to repay the due loan payable and/or other items payable

based on this contract;



2．甲方违反本合同的约定，乙方宣布提前收回借款，乙方未受清偿或未受完全清偿的；

Party breaches the contract, party B claims to take back the loan in advance, and Party B fails to be paid off or not fully paid off;



3．抵押人违反本合同的约定，擅自处分抵押物，或实施足以使抵押物价值减少的行为，乙方要求抵押人恢复原状或者提供担保遭拒绝，乙方可以提前行使抵押权。

The mortgager breaches the contract by disposing the guaranty, or implements action enough to decrease the value of guaranty, and Party B is refused of restoring the guaranty to original value or providing guarantee, Party B can exercise the mortgage right in advance.



（六）乙方可选择下列方式之一实现抵押权：

Party B can select any one of the following ways to realize the mortgage right:



1．与抵押人协议以抵押物折价受偿；

Discount of mortgage in agreement with mortgager;



2．拍卖受偿； Auction of guaranty;



3．变卖受偿； Sale of mortgage;

4．法律允许的其他方式。(4) Other ways allowed by law.



（七）抵押人应向乙方提供抵押物的权利证书及其他有效证明文件和相应资料，经乙方确认后，由乙方保管。

The mortgager shall provide to Party B the Ownership certificate and other valid certification documents and relevant materials, after confirmation of Party B, all documentation aforementioned shall be kept by Party B.



（八）甲方还清全部贷款本息及其它应付款项，并履行了本合同的全部条款，则抵押关系终止。

Under condition that Party A pays off the total loan principal and interest,

and in fulfillment of all items under this contract, the mortgage relationship

shall terminate.



（九）抵押权存续期间，抵押人应将其所知道或应当知道的对抵押权产生或可能产生不利影响的情况及时书面通知乙方。

Within the period of mortgage, the mortgager shall inform the Party B in a

written way all situations he knows or should know that have produced or may

produce adverse impact on the guaranty



（十）抵押权存续期间，抵押人对抵押物应当妥善保管；负有维修、保养、保持抵押物完整无损的义务并随时接受乙方的监督与检查。

Within the period of mortgage, the entire guaranty shall be taken good

care of by the mortgager, who as well responsible for repair and maintenance

to make sure that the guaranty is all preserved well, and subject himself to the

supervision and inspection from Party B at any time.



（十一）抵押权存续期间，抵押人的行为足以使抵押物价值减少时，乙方有权要求抵押人停止该行为，并要求抵押人在十日内恢复抵押物的价值或者提供与减少价值相当的担保。

Within the period of mortgage, should any decreases happen owing to the action of mortgager, Party B has the right to request the mortgager to stop the action and restore the value or provide guaranty worth the equal value of the decreases within ten(10) days.



（十二）抵押权存续期间，抵押人可以将抵押物出借、（在抵押行为成立后）出租；抵押人在从事上述行为前，均需及时通知贷款人，若上述行为影响债权安全，贷款人有权要求抵押人禁止实施上述行为。未经乙方书面同意，甲方不得转让、变更、赠与抵押物。

Within the period of mortgage, without any written approval from Party B,

the mortgager shall have no right to dispose the guaranty (disposing way

includes, but not limited to, transferring, renting, selling, donating the

guaranty).



（十三）抵押权存续期间，经乙方同意的抵押物转让所得价款，应提前清偿本合同项下的债务或转为定期存款质押。

Within the period of mortgage, any money got by transferring the guaranty based on the approval of Party B shall be used for paying off the loan ahead of schedule or changed to fixed deposit for guarantee.



（十四）抵押人应当按照乙方的要求购买抵押财产等保险并以乙方为优先受偿人，且不得约定任何有损乙方权益的条款。保险期限应长于借款期限，如本合同借款展期，抵押人同意继续办理抵押物延长投保的手续。保险单和续保单正本由乙方保管。如抵押人拒绝办理续保手续，乙方可以代替抵押人直接办理续保手续，续保费用由抵押人承担。

As per the requests of Party B, the mortgager shall give an insurance

upon his guaranty, and Party B should be the insured enjoying right of exclusive and being paid off with priority/ primary beneficiary, and no items against benefits of Party B shall be specified. The insurance term shall be longer than loan term under this contract. If term of loan under this contract is extended, the mortgager shall agree on the renewal insurance for the guaranty. The originals of insurance policy and renewal order shall be kept by Party B. If mortgager refuses extending the insurance term, Party B has the right to deal with insurance term extending instead of mortgager, and the renewal insurance cost shall be taken on by the mortgager. Should any losses caused by refusal of insurance or renewal insurance, or failing to pay for the insurance from mortgager, the mortgager shall take on them.



（十五）抵押权存续期间，抵押人不得中断或者撤销上述保险。

Within the period of mortgage, the mortgager shall not discontinue or

cancel the abovementioned insurance.



（十六）抵押权存续期间，抵押物发生保险事故，保险赔偿金应当用于提前清偿本合同项下的债务。

Within the period of mortgage, should any accident happens to the guaranty, insurance compensation should be used for paying off the loan under this contract ahead of schedule with priority.



（十七）乙方与甲方变更本合同（包括但不限于借款金额、期限、利率、结息方式、还款方式，还款期数、每期还款额），只要不加重抵押人的责任，无须征得抵押人同意，抵押人仍承担担保责任。

When Party B and Party A change the contract (including, but not limited to, amount of loan, term of loan, interest rate, type of interest settlement, type of repayment, period of repayment, repayment amount for each period), the mortgager is no need to be notified if responsibility of mortgager is not increased accordingly, and the mortgager is still bear the responsibility of guarantee.



二、质押担保Pledge Guarantee

（一）出质人自愿将本合同附件二“质押物清单”所列明的动产/权利（以下简称质物）质押给乙方，作为甲方偿还本合同项下借款的担保。

The pledger voluntarily pledges the movable assets/rights in Pledges List-Attachment B of this contract, and agrees to be restricted by this contract.



（二）本合同质物的共有权人同意将本合同项下的质物作质押，并同意受本合同约束。

The co-owner of the pledges under this contract agrees on pledging and be restricted by this contract.

（四）出现下列情形之一，乙方可以行使质权：

Party can exercise the pledge right in case one of following situations

happens:



1．甲方债务履行期限届满，乙方未受清偿或未受完全清偿的；

Party A fails to repay the due loan payable and/or other items payable based on this contract;



2．乙方根据本合同的约定，提前收回借款，乙方未受清偿或未受完全清偿的；

Party breaches the contract, party B claims to take back the loan in advance, and Party B fails to be paid off or not fully paid off;



3．质物价值减少，出质人未按照乙方要求提供担保的，乙方可以提前行使质权。

Should the value of pledges is decreased, and the pledger fails to provide guarantee required by Party B, Party B can exercise the pledge right in advance.



（五）乙方可选择下列方式之一实现质权：

Party B can select any one of the following ways to realize the pledge right:











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