不同的词在不同的语境中有不同的意思,要根据具体的句子判断词义。Commitment除了有承诺的意思外,还有承诺额、承付款项的意思,如:
Commitment: an amount of money that you have to pay, or the fact of promising to pay.
It is unclear whether the regulator can force a foreign firm to honour its UK pension commitments.
We believe that a commitment of $25 million is a good investment for our policyholders.
(Cambridge Dictionary)
出现在信贷协议中时,往往后者的用法要多一些,一般情况下,贷款人的承诺金额即为信贷协议中的信贷额,如以下为某信贷协议中对commitment的定义:
Commitment means:
(a)the rights of any person against the Lender under this Agreement to require the Lender to make or maintain any Loan, and the corresponding obligations (conditional or otherwise) of the Lender; or
(b)the currency and maximum aggregate amount of any Loan(s) (whether made already or capable of being made thereafter).
承诺金额是指:
(a)任何人在本协议项下对贷款人享有的要求贷款人提供或者维持任何贷款的权利,以及贷款人的相应义务(附条件或者其它性质);或者
(b)任何贷款的货币和最高总额(无论是已经提供或是将在此后提供)。
在信贷协议中,贷款人承诺提供信贷时,借款人除了利息之外,还要加付一笔费用,这笔费用就叫做“承诺费(commitment fee)”。通常借方在未能用足贷款数额时,需要向贷方支付一项按没有动用的信贷部分计算的费用,以补偿贷款人承诺贷款义务后不能赚得贷款利息的损失。