它是受信人承诺事后按约定期限和其它条件还款而先行获取授信人商品和服务的一种经济关系。
It is an economic relation which credit receiver promises to return money afterwards according to certain conditions but gets goods and service first.
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.
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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