約定融資額度
約定融資額度
| 中文名詞 | 約定融資額度 |
|---|---|
| 英文名詞 | Loan Commitments |
| 中文解釋 | 與銀行約定承諾之融資契約，包括不可取消融資額度及有條件可取消融資額度: 一、不可取消融資額度： 符合以下條件之一，即應列入 (一)契約未有取消或排除條款之約定。 (二)契約有計收承諾費之約定。 (三)契約有依計畫條件撥款之義務。 (四)借款人符合契約條件，銀行不可自行取消之承諾。 (五)其他不屬於可取消之融資額度範圍者。 二、可取消之融資額度： (一)銀行無需事先通知即得隨時無條件取消之承諾。(無條件可取消融資額度)。 (二)當借款人信用貶落時，銀行有權自動取消之承諾。(有條件可取消融資額度)。[5] |
| 英文解釋 | Refers to committed loan contracts signed with creditors which meet one of the following terms: (1) the validity of the initial contract is over 1 year and fulfills one of the following requirements: (a) there is no cancellation or exclusion clauses in the contract, (b) there is an agreement in the contract to collect a commitment fee, (c) there is an agreement to disburse money according to specified terms, and (2) the remaining committed loans besides those mentioned above are still subject to disbursement obligations, whether the initial contract is over 1 year and with or without cancellation or exclusion Refers to committed loan contracts signed with bank which include no cancellation commitments and conditional revocable commitments: 1.No cancellation commitments which meet any one of the following terms:(1)There is no cancellation or exclusion clause in the loan contracts. (2)There is an agreement in the loan contracts to collect a commitment fee.(3)There is an obligation to disburse fund according to the planned loan contracts.(4)Bank cannot revoke the commitments when creditors compliance with the criteria of the loan contracts. (5)Others are not categorized in revocable commitments.2. Revocable commitments(1) Bank may revoke the committed loans at any time without prior notice. (Unconditional revocable commitments)(2) Bank has automatically the right to revoke the committed loans when the borrower’s creditworthiness is derogatory. (Conditional revocable commitments)[5] |
| 關鍵字 | Loan Commitments |