借款人：Borrower:

　　贷款人：Lender:

　　抵押人：Mortgagor:

　　保证人：Surety :

　　出质人：Pledgeor:

　　为明确各方权利和义务，根据《合同法》、《贷款通则》和其他有关法律、法规，订立本合同。

　　This Contract is made in line with the Contract Law of the Peoples Republic of China and The General Provisions of Loans of the Peoples Bank of China to specify the rights and obligations of parties involved.

　　借 贷 条 款 Loan Borrowing Clause

　　第一条 借款金额 Article 1. Amount of loan:

　　第二条 借款用途 Article 2. Purpose of loan:

　　第三条 借款期限 Article 3. Life of loan

　　3.2借据或贷款凭证是本合同不可分割的组成部分。借款的实际放款日和还款日以借款人、贷款人双方办理的借据或凭证上所记载的日期为准。除日期外，借据或凭证其他记载事项如与本合同不一致的，以本合同为准。

　　3.2 A certificate of indebtedness or a loan voucher is an integral part of this Contract. The date of advance and payment due 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.

　　第四条 借款划付Article 4 Transferring of loan.

　　借款人办妥借款手续后5个营业日内将全部款项划至借款人指定的账户，划付次数、时间、金额见 。

　　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 procedure. Refer to 36.4 for the frequency, time and amount of transferring

　　第五条 借款利率和计息 Article 5. Interest rate of loan and calculation