英文贷款协议的条款大致可以归纳为三类：财务条款、管理条款和格式条款。

财务条款是有关贷款类型、贷款利率、贷款提取、贷款还款等方面的内容，也是贷款协议中最基本的内容。这部分内容主要由贷款人和借款人约定。

财务条款包括以下具体条款：

1. 信贷安排

信贷安排条款主要约定贷款的规模和类型，具体内容包括币种、金额、额度等。

2. 贷款提取

贷款提取条款主要约定贷款的流程安排，包括什么时候可以发送提款申请书，提款的时间、金额、次数等。

3. 还款、提前还款和额度取消

还款条款约定还款计划。提前还款条款约定借款人是否可以提前还款，如果可以，需要满足哪些条件。额度取消条款规定授信额度在什么情况下可以取消，包括借款人自动取消和强制取消等情况。

4. 利息和费用

利息和费用条款约定了借款人使用贷款的成本。利息条款会规定利率、利息计算和支付方式等内容。费用条款会规定除了利息以外的其他费用，例如安排费、承诺费、代理费等。

实战运用：

1    The Facility 授信

Subject to the terms of this Agreement, the Lenders make available to the Borrowers a Hong Kong dollar term loan facility in an aggregate amount equal to the Total Commitments.

根据本协议的条款，贷款人向借款人提供总金额等于总承诺额的港元定期贷款授信。

2    Purpose 用途

The Borrowers shall apply all amounts borrowed by it under the Facility towards financing or refinancing the Borrowers' capital injection into the Onshore Borrower.

借款人应将其在授信项下借入的所有款项用于在借款人向境内借款人注资时提供融资或再融资。

3    Monitoring 监督

No Finance Party is bound to monitor or verify the application of any amount borrowed pursuant to this Agreement.

融资方无义务监督或核实根据本协议借入的任何款项的使用情况。

4  Conditions Of Utilisation 提款条件

No Borrower may deliver a Utilisation Request unless the Agent has received (or waived receipt of) all of the documents listed in and appearing to comply with the requirements of Part 1 of Schedule 2 (Conditions Precedent). The Agent shall notify the Borrowers and the Lenders promptly upon receiving such documents and other evidence.

除非代理行已收到（或放弃收到）附表2（先决条件）第1部分所列且格式符合该部分要求的所有文件，否则借款人不得提交提款申请书。代理行应在收到该等文件和其他证明之后立即通知借款人和贷款人。

5    Maximum number of Loans 最高贷款次数

No Borrower may deliver a Utilisation Request if as a result of the proposed Utilisation [XXX] or more Loans would be outstanding. No Borrower may request that a Loan be divided if, as a result of the proposed division, [XXX] or more Loans would be outstanding.

拟定提款将会导致有[XXX] 笔或以上贷款未偿付的，借款人不得递交提款申请书。拟定拆分将会导致有[XXX]笔或以上贷款未偿付的，借款人不得请求拆分贷款。

6    Delivery of a Utilisation Request 递交提款申请书

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

借款人可在指定时间之前，通过向代理行递交填妥的提款申请书使用授信。

7    Currency and amount 货币和金额

The currency specified in a Utilisation Request must be Hong Kong dollars. The amount of the proposed Loan must be an amount which is not more than the Available Facility and which is a minimum of HK$100,000,000 and an integral multiple of HK$10,000,000 or, if less, the Available Facility.

提款申请书中指定的货币必须是港元。拟定贷款的金额必须不超过可提款授信，并且至少为100,000,000港元且是10,000,000港元的整数倍，或可提款授信（以较低者为准）。

8 Cancellation of Available Facility 取消可提款授信

The Commitments which, at that time, are unutilised shall be immediately cancelled at 5:00 pm on the last day of the Availability Period.

在提款期最后一日下午5点尚未提款的承诺额届时应立即取消。

9    Repayment 还款

The Borrowers shall repay the Loans by the following instalments.

借款人应按下列规定分期偿还贷款。

10  Mandatory prepayment 强制提前还款

If, at any time, it is or will become unlawful in any applicable jurisdiction for a Lender to perform any of its obligations as contemplated by any Finance Document or to fund or maintain its participationin any Loan or it is or will become unlawful for any Affiliate of a Lender for that Lender to do so:

若在任何时候，贷款人履行其在任何融资文件项下的任何义务或出资或保持任何贷款参与额的行为在任何相关司法管辖区是违法的，或贷款人的任何关联方为该贷款人如此行事的行为是违法的：

(a)  that Lender shall promptly notify the Agent upon becoming aware of that event;

贷款人应在知晓该情况之后及时通知代理行；

(b)  with immediate effect, the Available Commitment of that Lender will be cancelled; and

该贷款人的可提款承诺额将立即取消；及

(c)  to the extent that the Lender's participation has not been transferred pursuant to Clause7.11, the Borrowers shall repay that Lender's participation in the Loans on the last day of the Interest Period for each Loan occurring after the Agent has notified the Borrowers or, if earlier, the date specified by the Lender in the notice delivered to the Agent (being no earlier than the last day of any applicable grace period permitted by law) and that Lender's corresponding Commitment(s) shall be cancelled in the amount of the participations repaid.

若贷款人的贷款参与额未根据第7.11条转让，借款人应在代理行通知借款人之后各贷款利息期的最后一日或贷款人在其向代理行递交的通知中指定的日期孰早者（不得早于法律允许的任何相关宽限期的最后一日），偿还贷款人的贷款参与额，并且该贷款人的相应承诺额应按已偿还的参与额予以取消。

11  Voluntary prepayment 自愿提前还款

Subject to the other paragraphs of this Clause 7.10, the Borrowers may, if it gives the Agent not less than five Business Days' (or such shorter period as the Majority Lenders may agree) prior notice, prepay on an Interest Payment Date the whole or any part of any Loan (but, if in part, being an amount that reduces the amount of the Loan by a minimum amount of HK$10,000,000 and an integral multiple of HK$1,000,000).

在不违反第7.10条其他规定的情况下，若借款人提前不少于五个营业日（或多数贷款人同意的更短期间）向代理行发送通知，借款人可以在任何付息日，提前偿还全部或部分贷款（但若是部分还款，最低金额为10,000,000港元且是1,000,000港元的整数倍）。

12  Calculation of interest 计算利息

The rate of interest on each Loan for each Interest Period is the percentage rate per annum which is the aggregate of theapplicable: (a) Margin; and (b) HIBOR.

各笔贷款在各利息期的年利率等于下列相关利率的总和：(a) 利差；及 (b) 香港银行同业拆放利率。

13  Payment of interest 支付利息

The Borrowers shall pay accrued interest on that Loan on each Interest Payment Date (and, if the Interest Period is longer than six Months, on the dates falling at six-monthly intervals after the first day of the Interest Period).

借款人应在各付息日（若利息期超过六个月，在利息期第一日后每满六个月之日）支付贷款产生的利息。

14  Default interest 违约利息

If an Obligor fails to pay any amount payable by it under a Finance Document on its due date, interest shall accrue on the Unpaid Sum from the due date to the date of actual payment at a rate which is [2%] per annum higher than the rate which would have been payable if the Unpaid Sum had, during the period of non-payment, constituted a Loan in the currency of the Unpaid Sum for successive Interest Periods, each of a duration selected by the Agent (acting reasonably).

若债务人未能在到期日支付其根据融资文件应支付的任何款项，则未付款项应自到期日起至实际付款日止按照一定的利率计收利息，该利率等于假设未付款项在未付款期间构成在连续利息期内以未付款项的货币提供的贷款时所适用的利率加上[2%]的年利率，每个利息期的时长由代理行（合理行事）选择。