商品贷款是国际贸易事务中经进出口双方商定，贷款国为借款国进口商品提供的贷款，用以购买机械设备、材料等。
你购买我的商品，而作为回报，我以贷款的形式将资金返还给你。
You buy my goods and, in return, I give you the money back in the form of a loan.
通常银行要对这种贷款更为小心，因为大宗商品价格的波动远甚不动产价格。
Banks usually need to be much more cautious about such lending as commodity prices fluctuate far more than property prices.
其他一些公司，尤其是小公司，比如像纺织品那类的低利商品的出口商可能就会为贷款发愁了。
Others, though, are struggling for loans — particularly smaller businesses, as well as exporters of low-margin products like mass market clothing.
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