结算贷款是我国银行曾为解决企业结算在途资金需要而发放的贷款，分为托收承付结算贷款和信用证结算贷款两种，属于流动资金贷款性质。托收承付结算贷款，是企业销售产品后，采用托收承付结算方式所需在途资金而发放的贷款。贷款对象是销货企业，以企业发出商品为对象，托收承付结算凭证为依据，不需编报借款计划，借款额不受贷款指标的限制，也不必逐笔申请，采取一次申请，开立结算帐户，定期进行调整的办法管理
批准贷款后，必须对其进行初始化、配置、结算并记录。
After the loan has been approved it must be initiated, configured, settled and recorded.
许多商业银行如美国银行和花旗银行，目前都不再采用逐日结算制以处理数万亿美元的贷款和股票。
Many retail Banks, such as bank of America and Citigroup, currently do not "mark to market" trillions of dollars in loans and securities.
“我没法偿还贷款申请，我要为结算付钱，”一位来自佛罗里达州墨尔本市的按揭经纪人Ritch Workman。
"I don't get paid for loan applications, I get paid for closings," said Ritch Workman, a Melbourne, Fla., mortgage broker.
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