贷款协定亦称“贷款合同”。是贷款银行同借款方为明确有关资金借贷方面的权利义务关系而订立的协议。贷款协定的签订是借贷双方的法律行为，应受经济合同法的约束。我国经济合同法规定，借款合同应采用书面形式，依据国家批准的信贷计划和有关规定签订。
在大多数情况下，银行都会和它的客户签订一个正式的贷款协定。
In most cases, the bank has a formal loan agreement with its customer.
女士，我们与贵公司恐怕没有信用贷款协定，您可以选用这些信用卡中的任何一种。
I'm afraid we have no credit arrangements with your company, madam. You may by any of these credit CARDS instead.
修正条款：贷款协定中的一项条款，它授权借款人在国际收支出现困难时，在一定时限内推迟还本付息。
Bisque clause: clause in loan agreement that entitles a Borrower to postpone payments of interest and principal for limited periods of time in Balance of payments difficulties.
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