提款条款是贷款协议中的常见条款，是关于借款人与出借人之间贷款提款的条款。首先借款人要提交并完成提款申请，出借人要支付相应的贷款金额。每笔贷款可用日期结束后，出借人的承诺金额应归零。贷款货币和金额也是提款条款的重要组成部分。下面我们来看两则示例。

示例一

1.Utilisation 提款

1.1 Delivery of a Utilisation Request提交提款申请

A Borrower may utilise the Facility by delivery to the Facility Agent of a duly completed Utilisation Request not later than the Specified Time.

借款人可以在不晚于指定时间向资金代理人提交妥为填写的提款申请提取信贷。

1.2 Completion of a Utilisation Request完成提款申请

   (a) Each Utilisation Request is irrevocable and will not be regarded as having been duly completed unless:

提款申请不可撤销，并且只有在满足下列条件时才被视为已经填妥：

  (i) the proposed Utilisation Date is a Business Day within the Availability Period;

拟提款日为适用于信贷的提款期内某个营业日；

  (ii) the currency and amount of the Utilisation comply with Clause 1.3 (Currency and amount);

提款货币和金额符合第1.3条（货币和金额）的规定；

  (iii) the proposed Interest Period complies with Clause 10 (Interest Periods); and

拟议计息期符合第10条（计息期）的规定；并且

  (iv) it specifies the account and bank to which the proceeds of the Utilisation are to be credited.

指明提款所得款项需要贷记的账户和银行。

  (b) Only one Loan may be requested in each Utilisation Request.

在每份提款申请中，只能要求提取一笔贷款。

1.3 Currency and amount货币和金额

  (a) The currency specified in a Utilisation Request must be the Base Currency or an Optional Currency.

提款申请采用的货币必须为基础货币或可选择的货币。

  (b) The amount of the proposed Loan must be:

拟贷款金额必须：

  (i) if the currency selected is the Base Currency, a minimum of $30,000,000 and in multiples of $1,500,000, or if less, the Available Facility;

如果所选货币为基础货币或少于可用贷款，不低于$30,000,000且为 $1,500,000的倍数；

  (ii) if the currency selected is Sterling, a minimum of £20,000,000 and in multiples of £2,000,000, or, if less the Available Facility; or

如果所选货币为英镑或少于可用贷款，不低于£20,000,000且为£2,000,000的倍数；

  (iii) if the currency selected is euro, a minimum of €45,000,000, and in multiples of €3,000,000, or if less, the Available Facility; or

如果所选货币为欧元或少于可用贷款，不低于€45,000,000且为€3,000,000的倍数；

  (iv) if the currency selected is an Optional Currency other than Sterling or euro, the minimum amount (and, if required, integral multiple) as agreed between the Facility Agent, the Lenders and the Company provided that if no such agreement is reached between the Facility Agent, the Lenders and the Company shall be the equivalent at that time of $40,000,000 and multiples of $4,000,000, such amount to be rounded as reasonably determined by the Facility Agent and notified to the Company; and

如果所选货币为非英镑或欧元的可选择货币，如贷款代理人、出借人和公司没有签订最低金额的相关协议，则经贷款代理人、出借人和公司一致同意后，最低金额（如有要求，应为整数倍数）应等同于当时$40,000,000且为$4,000,000的倍数，且上述金额应由贷款代理人决定合理地四舍五入，并通知公司。

  (v) in any event such that its Base Currency Amount is less than or equal to the Available Facility.

任何情况下基础货币少于或等于可用贷款。

1.4 Lenders’ participation出借人的参与

  (a) If the conditions set out in this Agreement have been met, and subject to Clause 7 (Repayment), each Lender shall make its participation in each Loan available by the Utilisation Date through its Facility Office.

如本协议中的条件被满足，根据第7条（支付），每个出借人应在提款期前通过其贷款办公室提供相应的可用贷款。

  (b) The amount of each Lender’s participation in each Loan will be equal to the proportion borne by its Available Commitment to the Available Facility immediately prior to making the Loan.

每个出借人在每次贷款提供的金额应等同于其在放出贷款前对可用贷款做出的可用承诺金额。

  (c) The Facility Agent shall determine the Base Currency Amount of each Loan which is to be made in an Optional Currency and shall notify each Lender of the amount, currency and the Base Currency Amount of each Loan and the amount of its participation in that Loan, in each case by the Specified Time.

在每次规定日期，贷款代理人应决定币种为可选择货币的贷款的基础货币，且应通知各出借人每笔贷款的数额、货币和基础货币和其出资额。

1.5 Cancellation of Commitment承诺金额的取消

The Total Commitments which, at that time, are unutilised shall be immediately cancelled at the end of the Availability Period.

当时已被提款的总承诺金额应在可用日期结束时取消。

 

示例二

1. Utilisation 提款

1.1 Delivery of a Utilisation Request 提交提款申请

(a) The Borrower may utilise the Facility by delivery to the Lender of a duly completed Utilisation Request not later than the Specified Time.

借款人可以在不晚于指定时间向出借人提交妥为填写的提款申请提取信贷。

(b) For any Utilisation by the Borrower, the Lender is not required or obliged to make any reference or enquiry to any other Obligor.

就借款人的任何提款而言，出借人无需并且也没有义务提及或者询问其它任何义务人。

1.2 Completion of a Utilisation Request 完成提款申请

(a) Each Utilisation Request is irrevocable and will not be regarded as having been duly completed, unless:

提款申请不可撤销，并且只有在满足下列条件时才被视为已经填妥：

(i) the proposed Utilisation Date is a Business Day within the Availability Period applicable to the Facility;

拟提款日为适用于信贷的提款期内某个营业日；

(ii) the currency and amount of the Utilisation comply with Clause 1.3 (Currency and amount);

提款货币和金额符合第1.3条（货币和金额）的规定；

(iii) the proposed Interest Period complies with Clause 9 (Interest Periods); and

拟议计息期符合第9条（计息期）的规定；并且

(iv) it specifies the account and bank to which the proceeds of the Utilisation are to be credited or the party to whom the proceeds of the Utilisation are to be paid.

指明提款所得款项需要贷记的账户和银行或者提款所得款项的支付对象。

(b) Only one Loan may be requested in each Utilisation Request.

在每份提款申请中，只能要求提取一笔贷款。

1.3 Currency and amount货币和金额

(a) The currency specified in a Utilisation Request must be RMB.

提款申请采用的货币必须为人民币。

(b) The amount of a proposed Loan under the Facility must be an amount which, aggregated with other previous Loans borrowed under the Facility, is not more than the Available Commitment relating to the Facility.

信贷项下的拟议贷款金额，与此前在信贷项下借得的其它贷款合计计算，不得超过与信贷有关的可用承诺金额。

(c) The Utilization of the Facility shall be made by one lump sum only.

信贷提款应当一次性完成。

1.4 Availability of Loans贷款可用性

If the conditions set out 1.1 (Delivery of a Utilisation Request) to 1.3 (Currency and amount) above have been met, the Lender shall make each Loan available by the Utilisation Date through its Facility Office.

若第1.1条（提交提款申请）到第1.3条（货币和金额）规定的条件得以满足，出借人应在提款日期通过其信贷办事处提供各笔贷款。

1.5 Cancellation of Available Commitment可用承诺金额的取消

On the expiry of the Availability Period of the Facility:

在信贷提款期届满之后：

(a) the Available Commitment (if any) of the Lender under the Facility shall be immediately and automatically reduced to zero; and

出借人在信贷项下的可用承诺金额（若有）应当立即自动减少至零；并且

(b) the Commitment of the Lender under the Facility shall be immediately and automatically reduced by the amount (if any) of the Available Commitment of the Lender under the Facility immediately before the reduction to zero of its Available Commitment in accordance with paragraph (a) above.

出借人在信贷项下的承诺金额应当立即自动扣减出借人紧邻其可用承诺金额根据上文(a)款规定减至零以前在信贷项下的可用承诺金额（若有）。

 

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