个人综合消费贷款是银行向借款人发放的用于指定消费用途的人民币贷款。
Personal comprehensive consumer loan is referred to the RMB loan provided to the borrower by the bank, used for designated concrete consumption.
个人旅游贷款是贷款人向借款人发放的用于支付旅游费用的个人贷款。
The loans to individual travelers are the money lent by the creditor to the debtor for paying traveling expenses.
由于银行为借款人提供一定的授信额度，为弥补银行因承诺发放贷款而不能使用此笔资金的损失，借款人须支付给银行的费用。
The borrower needs to pay some fee to the bank to compensate its loss. Because the bank provide a credit line to the borrower, it must keep this amount open and available.
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