【正文】 loan period is calculated from the date of the loan release). The loan interest rate under (“□ above □ below %” ) on the basis of the benchmark loan interest rate published by the People s Bank of China in the corresponding period. If the People s Bank of China adjusts the benchmark loan interest rate during the period, then, since the time that the contract loan interest agreed in the present contract is adjusted, the new contract loan interest rate will be executed after the floating according to the above said floating proportion on the basis of the new loan benchmark interest rate. Therein, monthly interest rate = annual interest rate / 12, daily interest rate = annual interest rate / 360, and the interest rate per period = annual interest rate the number of the month(s) of each period / 12. If the borrower needs to continue adopting the fixed interest rate to calculate the interest, then the borrower shall propose a separate application to the bank. If the benchmark loan interest rate regulated by the People s Bank of China is adjusted during the period of executing the floating interest rate, then the contract interest rate shall be adjusted □ Adjustment by year, and interest accrual by stage. That is, the new interest rate will be executed according to the benchmark loan interest rate regulated by the People s Bank of China as well as the floating proportion stipulated under the present contract as of the first calendar day of the next calendar year after the interest rate adjustment. □ No interest rate adjustment, and no interest accrual by stage. □ If the borrower fails to repay the loan principal and interest of the current period in full on schedule as required, it will be regarded as overdue, and the lender will have the right to charge penalty interest in accordance with the relevant provisions of the People s Bank of China (see also the relevant contents of Article 12 of the present contract). Article 3 Conditions on the borrower’ s Money Withdrawal Unless agreed by the lender, the lender will have no obligation to release the loan under the contract to the borrower until the following conditions are fully met and satisfactory to the lender in terms of form and content: The borrower has submitted all the documents and data as required by the lender and obtained the approval of the lender. The present contract and its relevant annexes have been legally signed and entered into force. 篇三：金融機(jī)構(gòu)借款合同 篇一：自然人借款合同與金融機(jī)構(gòu)借款合同 什么是自然人借款合同，自然人借款合同何時(shí)生效？ 此文章幫助了 39人 | 法邦網(wǎng) 本文系法邦網(wǎng)原創(chuàng)，謝絕任何形式的轉(zhuǎn)載，違者必究。同時(shí)，這類合同往往需要設(shè) 定擔(dān)保，作為主合同的借款合同不是諾成即成立，那么作為從合同的擔(dān)保合同也無法成立。當(dāng)事人對利息沒有約定或者約定不明確的，視為是無息借款，借款人可以不向貸款人支付利息。而自然人借款合同與此不同，《中華人民共和國合同法》第 211條規(guī)定：自然人之間的借款合同對支付利息沒有約定或者約定不明確的，視為不支付利息?？梢姡匀蝗酥g的借款合同系實(shí)踐合同，以實(shí)際提供借款為生效要件。 金融機(jī)構(gòu)要求保證人參與到借款的法律事實(shí)中，旨在確保日后債權(quán)的實(shí)現(xiàn)。還有的企業(yè)頻頻更換高管，新的決策層對上任前的債務(wù)重視不夠，以各種借口搪塞還款，致使銀行收款受阻。 另外，簽訂合同時(shí)，即便使用已經(jīng)事先擬定好的格式合同，信貸工作人員也應(yīng)當(dāng)對合同的每項(xiàng)條款予以認(rèn)真審核。 （ 7）借款期限：期限決定著還款日期及罰息的起算，也決定著借款人違約責(zé)任的承擔(dān)。篇三：各金融機(jī)構(gòu)貸款合同編號識別 工商銀行 —— 分三個(gè)字段，第一個(gè)字段 15位，第二個(gè)字段 8位，第三個(gè)字段為年號，每個(gè)字段中間由短橫杠分開，第一個(gè)字段前 5 位數(shù)字為行號，第三個(gè)字段會(huì)標(biāo)注具體經(jīng)辦行。 洛陽商行 —— 合同編號是 14位，前六位是業(yè)務(wù)發(fā)生的年月日，第 7 位是大寫英文字母。 廣東發(fā)展銀行 —— 合同編號為 9位，前兩位是業(yè)務(wù)發(fā)生年份，例如 080136564。 民生銀行 —— 合同編號是 14位，第5 至 8 位是業(yè)務(wù)發(fā)生所在年份，例如99302020298940。例如 4624309322939。當(dāng)發(fā)現(xiàn)借款人、保證人等具有不利于還貸的重大不利事項(xiàng)發(fā)生時(shí)，即按合同約定宣布債務(wù)提前到期，以行使債權(quán)追索權(quán)，將金融機(jī)構(gòu)的損失降低最低。 （ 4）借款用途：用途是貸方是否發(fā)放貸款的審核內(nèi)容之一，根據(jù)現(xiàn)行的金融政策，貸款應(yīng)當(dāng)?？顚Ｓ?，是否依據(jù)合同約定用途使用貸款，直接決定借款人是否違約及利率的適用。由專業(yè)機(jī)構(gòu)進(jìn)行調(diào)查，一方面確實(shí)能夠?qū)杩钊思皳?dān)保人的真實(shí)資信能力予以還原，另一方面如果因采信專業(yè)機(jī)構(gòu)的調(diào)查報(bào)告予以發(fā)放貸款，而借款人卻因資信、還款能力而出現(xiàn)無法償還借款的情形，金融機(jī)構(gòu)可因?qū)I(yè)調(diào) 查機(jī)構(gòu)出具的報(bào)告不實(shí)而追究其違約責(zé)任。 （三）借款人的原因 在金融機(jī)構(gòu)借款合同糾紛中，由其是大額貸款，其借款人一般為企業(yè)。再加上人情關(guān)系等因素影響，致使金融機(jī)構(gòu)將巨額款項(xiàng)發(fā)放給已經(jīng)存在經(jīng)營風(fēng)險(xiǎn)的企業(yè)，為日后貸款無法收回留下伏筆?？梢?，金融機(jī)構(gòu)貸款合同屬要式合同，應(yīng)當(dāng)采用書面形式；自然人借款合同沒有強(qiáng)制性規(guī)定，當(dāng)事人可以合同形式進(jìn)行約定，采用口頭形式等。本文就借款糾紛產(chǎn)生的原因及防范措施具體展開論述，希望對金融機(jī)構(gòu)信貸業(yè)務(wù)的健康發(fā)展有所幫助。即使當(dāng)事人的合同采用了書面形式，貸款人不支付借款的，也不宜要求其必須支付并承擔(dān)法律責(zé)任。比如，某人因家中出現(xiàn)困難向同事借錢；某人因?yàn)橐I辦一個(gè)公司向親戚朋友借錢等，都屬于自然人借款的