工商贷款是为发放给工商企业的贷款。商业银行放出的款项一般以这类贷款居多，其偿还期有长有短，视企业的需要而定。凡经工商行政管理机关（或主管机关）核准登记的企（事）业法人、个人合伙、个体工商户或具有中华人民共和国国籍的具有完全民事行为能力的自然人，均可申请建立信贷关系和申请贷款。持有工商行政管理部门颁发的《企业法人营业执照》的借款人，必须向其注册地区人民银行发证机关申领《贷款证》。一个企业只能领取一本《贷款证》。
文章第四部分是全文的重点，首先介绍了建设银行关于工商贷款的传统定价模式，并指出了它存在的问题。
The fourth part of article is the key point of the whole thesis. At first we introduce Construction Bank's traditional pricing mode about the industrial and commercial loan, and point out its problem.
该业务的利润率非常高：巴西银行消费信贷的净息差约为16%，而工商企业与农业企业贷款的息差则约为6%。
This is highly profitable business: Banco do Brasil's net interest margin on consumer lending is about 16 per cent, compared with about 6 per cent on business and agribusiness lending.
就在工商银行准备兑现承诺提供贷款之际，却发现辉瑞取消了交易，因为该公司通过发债筹集到了所需的资金。
The bank was geared up to hand over the money when it found out that Pfizer canceled the deal because it had raised what it needed by issuing bonds.
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