What kind of civil contract is the working capital loan contract?

Labor contract. According to our country's laws and regulations, working capital loan contracts refer to various working capital borrowed by enterprises from banks based on actual needs and bank credit systems. They are labor contracts of the People's Republic of China and are civil contracts.

The latest version of the working capital foreign exchange loan contract of the trust investment company

Contract number:

1. The parties to the contract

Borrower:

Lender: Trust Investment Company

2. Types of Loans

The loans under this contract are working capital loans and may not be used for other purposes.

3. Loan currency and amount

Currency:

Amount: (uppercase)

4. Loan purpose:

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5. Loan term: from to, *** days.

VI. Interest rate and interest calculation

1. Interest rate:

(a) Calculated based on annual interest rate;

(b) Calculated based on Calculated by adding (libor) to the London Interbank Offered Interest Rate for the same period on the credit transfer date.

2. Interest calculation: Settled semi-annually based on the actual amount of the loan, on June 20 in the first half of the year and December 20 in the second half of the year. If the borrower fails to pay the interest due on the interest calculation date, the above-mentioned loan will be The interest rate is calculated based on the actual number of days of payment (360 days/year).

3. Interest rate: Interest is calculated based on the actual remittance date.

4. If the interest calculation method formulated by the Bank of China Head Office changes, this contract will be implemented according to the new method.

7. Repayment

1. The borrower shall repay strictly in accordance with the repayment plan or the provisions of this contract;

2. When the borrower repays the loan in advance, The lender should be notified in writing fifteen days before the expected repayment date and must obtain the lender's approval. For the part of the loan that is repaid in advance without the approval of the lender, the lender will charge the borrower a one-time commitment fee;

3. If the borrower is unable to repay the loan on time for any reason, the lender shall pay the borrower one month before the stipulated repayment date. The lender applies for deferment of repayment and prepares to handle the extension procedures. There will be no penalty interest for the portion extended with the approval of the lender.

8. Guarantee

1. The borrower guarantees that all information submitted to the lender must be legal, authentic and valid documents.

2. The borrower guarantees that the loan funds under this contract will be used exclusively and will not be used for other purposes.

3. The borrower promises to submit relevant information on the use of the loan to the lender on time and accept the supervision and inspection of the lender.

4. The borrower guarantees to notify the lender no later than one month in advance and pay off all debts immediately if the loan is changed, restructured, contracted, or closed, suspended, merged, or transferred with the approval of the competent authority. With the consent of the lender, the borrower can transfer the debt to the receiving unit or a new unit, but the debt-receiving unit must re-sign a loan contract with the lender. Before the contract is signed, the lender has the right to recover the debt from the borrower at any time.

5. The lender guarantees to provide the loan to the borrower in a timely manner in accordance with the terms of the contract and the payment plan.

9. Liability for breach of contract

1. No matter which party refuses to perform or delays the performance of all the terms stipulated in this contract for any reason or by any means, it shall be liable to all parties. Any breach of contract shall be resolved in accordance with the following terms or through legal proceedings.

2. If the borrower does not comply with the contract and misappropriates the loan under this contract, the lender will charge penalty interest on the original loan interest rate in accordance with the relevant regulations of the People's Bank of China;

3. If the lender fails to allocate funds on time as stipulated in this contract or the payment plan, the borrower has the right to require the lender to pay liquidated damages to the borrower based on the actual default amount and number of days of delay, and at the same interest rate as the penalty for overdue loans.

4. If the borrower fails to repay the loan on time as stipulated in this contract or the repayment plan, the lender will give the borrower a grace period of days. If the borrower still cannot repay the entire amount within the grace period, the lender will The borrower adds penalty interest for each day on the outstanding portion.

5. If the borrower still cannot repay the lender's loan despite the lender's penalty interest and multiple notices and warnings, the lender has the right to recover all unpaid funds from the borrower through legal means.

10. Guarantee:

11. Effectiveness of the contract

This contract will take effect from the date when the authorized signatories of both parties sign and stamp with official seals.

12. Arbitration

If a dispute occurs during the execution of this contract, the borrower and the lender shall first resolve it through negotiation. If the negotiation fails, it will be submitted to the arbitration committee for arbitration. This arbitration is final. All costs incurred shall be borne by the losing party.

13. This contract is made in two original copies, with each party holding one copy. There is no limit to the number of copies.

Debit: Credit:

Person authorized to sign: Person authorized to sign:

Seal: Seal:

Bank of opening : Account opening bank:

Bank account number: Bank account number:

Date: Date:

Demon version of working capital syndicated loan contract

Contract Serial number: _________year________ word No._________

Signing time: _________year________month________day

Signing place: _________

Borrower: ________ Lender: _________

Domicile (address): _________ Domicile (address): _________

Legal representative: _________ Legal representative: _________

Leading Bank: _________

Agent Bank: _________

Table of Contents

Article 1 Definition and Explanation

Article 2 Representations and Guarantees of the Borrower

Article 3 Loan

Article 4 Interest Rate and Interest

Article 5 Prerequisites for Withdrawal

Article 6 Withdrawal

Article 7 Repayment

Article 8 Early Repayment

Article 9 Payment

Tenth Article 11 Guarantee

Article 11 Borrower’s Commitment

Article 12 Lender’s Commitment

Article 13 Syndicate Relationship

Article 14 Agent Bank

Article 15 Change, Termination and Transfer

Article 16 Communication

Article 17 Liability for Breach of Contract

Article 18 Dispute Resolution

Article 19 Other borrowers apply to the syndicate composed of the above banks for a ________ working capital loan due to _________. In accordance with the relevant laws and regulations of my country, all parties have unanimously agreed to sign this loan contract (hereinafter referred to as the "Contract") after voluntary and equal consultation.

Article 1 Definition and Interpretation

1.1 In this contract, the following terms have the following meanings:

1.1.1 "Amount to be borne" Refers to the loan amount each lender has committed to.

1.1.2 "Loan commitment ratio" refers to the ratio of each lender's commitment amount to the total loan balance before withdrawal, and refers to the ratio of each lender's loan balance to the total loan balance after withdrawal.

1.1.3 "Bank business day" refers to the legal working day of all lenders' respective locations.

1.1.4 "Interest settlement date" refers to the 20th of the last month of each quarter.

1.2 The titles of the catalog and clauses of this contract are only for convenience of reference and do not affect the meaning of any clause of this contract.

Article 2 Representations and Guarantees of the Borrower

2.1 The borrower is an entity established in accordance with the law and has legal person status (or a branch legally authorized by the legal person). have the right to enter into and perform this contract.

2.2 The accounting statements and related information provided to the lead bank and other lenders for project review are true, complete and accurate.

2.3 No major economic litigation has occurred before.

2.4 The borrower’s debts under this contract are on an equal footing with the borrower’s other debts that are not secured by property rights (unless otherwise provided by law).

Article 3 Loans

3.1 The lender agrees to provide the borrower with a loan totaling _________yuan________yuan. The amount borne by each lender is as follows:

_________.

Each lender participates in each loan based on its loan commitment ratio.

3.2 The purpose of the loan under this contract is _________.

3.3 The loan term under this contract is ***___________ months, starting from _________day of _________month _________year to _________day of _________month _________year.

During the loan period, the actual withdrawal date and repayment date of the loan shall be subject to the IOU. The IOU is an integral part of the contract, but if the matters recorded in it are inconsistent with this contract, this contract shall prevail. .

Article 4 Interest Rate and Interest

4.1 The loan interest rate under this contract is determined as the annual interest rate of _________. During the validity period of this contract, if the People's Bank of China adjusts the interest rate and the interest rate under this contract is within the prescribed adjustment range, the agent bank will make corresponding adjustments in accordance with the regulations of the People's Bank of China without the consent of the borrower.

4.2 The payment interest under this contract is based on 360 days per year. It is calculated based on the actual loan balance and the number of days of occupation from the date of withdrawal by the borrower (including the first day, excluding the last day).

4.3 The loan under this contract is interest-bearing on a quarterly basis, and the lender will charge interest to the borrower on the 20th of the last month of each quarter. When the loan matures, the interest will be paid off along with the principal.

Article 5 Prerequisites for Withdrawal

5.1 Before the first withdrawal, the borrower must submit the following documents or handle the following matters to the agent bank:

5.1.1 Copies of the borrower’s and guarantor’s annual inspection business licenses and company articles of association;

5.1.2 The resolution of the board of directors approving the loan;

5.1 .3 The financial reports of the borrower and the guarantor for the previous year and the previous period audited by the financial department or a certified public accountant (auditor) firm;

5.1.4 A law firm recognized by the lender A legal opinion on the legality of entering into and performing this contract;

5.1.5 The loan certificate shall be submitted to the agent bank for review;

5.1.6 An entrusted worker shall When staff handle withdrawals, repayments and other contract matters, a power of attorney issued by the borrower's legal representative.

5.2 Before the first and each withdrawal, the borrower must meet the following conditions:

5.2.1 The statements and guarantees made are true and correct;

5.2.2 The guarantee contract has officially come into effect;

5.2.3 Submit a withdrawal notice to the agent bank in accordance with the provisions of this contract;

5.2.4 A special account for syndicated loans has been opened at the agency bank.

Article 6 Withdrawal

6.1 The loan under this contract will be withdrawn in _________ times. The specific withdrawal date and amount are as follows:

________ On _________day of _year___, the withdrawal will be RMB________ yuan; _________.

6.2 If any lender refuses a certain loan or does not lend according to its loan commitment ratio, it shall notify the agent bank in writing _________ banking business days before the withdrawal date; the agent bank shall The borrower shall be notified ________ banking business days before the payment date, and a syndicate meeting shall be held to decide whether to stop or reduce the loan; without the decision of the syndicate meeting, no lender may independently stop or reduce the loan. If the lender fails to respond in writing after receiving the loan notice from the agent bank, it will be deemed to have agreed to the loan.

6.3 The borrower shall provide the agent bank with a completed IOU for loan disbursement ________ banking business days before the withdrawal date. The agent bank should forward it to each lender the next day, and each lender will issue a loan based on the IOU received.

6.4 If you need to withdraw money in advance or postpone it, you should contact the agent ________ banking business days before the planned early withdrawal date or the original scheduled withdrawal date (including the end date of the withdrawal period) The bank submits a written application, and the agent bank can handle early or delayed withdrawals only after it has been decided and approved by the syndicate meeting. If the withdrawal is postponed, the borrower shall compensate the lender for the loss of the difference between the loan interest and the current deposit interest during the postponed withdrawal period.

6.5 If the borrower requests to cancel all or part of the undrawn loan, the application should be submitted to the agent bank ________ banking business days before the agreed withdrawal date, and the cancellation can only be made with the approval of the syndicate meeting.

6.6 If the borrower fails to submit a withdrawal notice overdue and does not apply to postpone the withdrawal, the lender has the right to cancel the undrawn loan.

Article 7 Repayment

7.1 The repayment period of the loan under this contract is from _________year________month_________ to _________year_ Ending on _________month___________. Repayment in _________ times, the specific repayment time and amount are as follows:

_________.

7.2 If the borrower cannot repay the loan on time, he or she can apply to the agent bank for an extension in advance ________ banking business days before the due date. After the syndicate meeting decides and agrees, all lenders and borrowers in the syndicate will ***Signed an extension repayment contract.

7.3 The funds used by the borrower to repay the principal and interest of the loan under this contract include but are not limited to:

The agreement signed between the manager and the city’s Industrial and Commercial Bank of China without approval of the board of directors Is the current asset loan contract valid?

A current asset loan contract signed with the city's Industrial and Commercial Bank of China by a manager who has not been approved by the board of directors is invalid.

The bank signed a loan contract with Company A, and Company A did not issue a board resolution to the bank regarding the signing of the contract. Then, after the loan is granted, can Company A claim that the loan contract is invalid on the grounds that it has not received a board resolution? It should be reinstated. In the original condition, only the principal will be returned without any interest, penalty interest or other liability for breach of contract.

Can I choose two payment methods in the working capital loan contract?

Yes. In the corporate or personal working capital loan contract, there will be three payment methods: WeChat, Alipay or bank card. At most, you can choose from these three, so you can also choose two. A working capital loan contract exists when an individual or company has insufficient funds.