辛迪加贷款[Syndicated loan ]即银团贷款，是指由获准经营贷款业务的一家或数家银行牵头，多家银行与非银行金融机构参加而组成的银行集团，采用同一贷款协议，按商定的期限和条件向同一借款人提供融资的方式。
代理银行：为外国银行作代理的银行或管理辛迪加贷款的银行。
Agent bank: bank acting for a foreign bank or bank handling administration of loan in a syndicated credit.
在1999年只有三家这样的机构，只占辛迪加贷款市场的很小的一部分。
It had just three such institutions in 1999, a tiny share of the loan-syndication market.
如今他们所面临的困境是大多数公司通过借款为其经营活动筹集部分资金，这可能将普通的透支行为引向庞大的辛迪加贷款。
The difficulty they face is that most companies fund their operations in part through borrowing, which can stretch from simple overdrafts to huge syndicated loans.
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