APLMA 版本贷款合同审查指引

成本和费用的补偿条款Cost and Expenses交易开支、修订费用、执行费用的补偿属于
APLMA版本的常见条款
这部分条款可以适当协商借款人不同意承担的费用；者
限定上限之类
法律条款授权"Authorisation" means:
(a) an authorisation, consent, approval,
resolution, licence, exemption, filing,
notarisation, lodgement or registration; or
(b) in relation to anything which will be
fully or partly prohibited or restricted by
law if a Governmental Agency intervenes
or acts in any way within a specified period
after lodgement, filing, registration or
notification, the expiry of that period
without intervention or action.
授权指贷款协议以及贷款协议项
下交易所涉及的各类授权
授权条款主要用于陈述和保障条款，该定义的内
容非常宽泛
如果符合APLMA标准定义，无需修改。

融资文件"Finance Document" means this
Agreement, any Accession Letter, any Fee
Letter, any Resignation Letter, any
Utilisation Request and any other document
designated as such by the Agent and the
通常指与贷款协议直接相关的文
件
担保文件的概念贯穿于整个贷款协议如果符合APLMA标准定义，无需修改。

集团"Group" means the Company and its
Subsidiaries from time to time.指[母公司/借款人]及其子公司
贷款协议中贷款人希望界定集团的概念，来扩大
集团这个概念的范围，以此将贷款协议的部分内
容对集团内所有成员都有约束力
（1）应当根据情况缩小概念范围；（2）如果条件允
许，甚至可以寻求删除该定义
子公司"Subsidiary" means in relation to any
company or corporation, a company or
corporation:
(a) which is controlled, directly or
indirectly, by the first mentioned company
or corporation;
(b) more than half the issued equity share
capital of which is beneficially owned,
directly or indirectly, by the first mentioned
company or corporation; or
(c) which is a Subsidiary of another
Subsidiary of the first mentioned company
or corporation,
子公司，指：（1）该公司直接控
制或间接控制的公司；（2）被该
公司直接或间接拥有超过一半已
发行股份的其它公司；或（3）该
公司子公司的子公司
与集团的概念相同，贷款人以此希望将贷款协议
的部分内容对更多实体有约束力
（1）如果符合APLMA标准定义，无需修改；（2）和
集团的概念相比，贷款人可能更不会同意对子公司的定
义做修改
关联公司"Affiliate" means, in relation to any person,
a Subsidiary of that person or a Holding
Company of that person or any other
Subsidiary of that Holding Company.
关联公司包括子公司、控股公司
、或控股公司控制的其他子公司
如果符合APLMA标准定义，无需修改。

控股公司"Holding Company" means, in relation to a
person, any other person in respect of
which it is a Subsidiary.
控股公司指该公司，以及其子公
司
如果符合APLMA标准定义，无需修改。

债务人"Obligors" means the Borrowers and the
Guarantors and "Obligor" means each one
of them.
指借款人和保证人如果符合APLMA标准定义，无需修改。

人Person包括自然人和拟制人（法人）APLMA标准定义无此定义，如果贷款人版本中有这个定义，可以接受
先决条件（CP）1、先决条件是贷款人发放贷款之前必须满足的
各项条件，常见的先决条件包括：（1）公司组
织文件（章程、合资协议等）；（2）授权文件
（各类决议、授权书、签字样本、董事证明）；
（3）财务报表；（4）先期费用支付证明（比如
承贷费等）；（5）法律意见书；（6）解除原有
担保证明；（7）KYC（Know your customer）
文件；（8）其它授权文件，等
（1）应当逐条核对先决条件是否可以满足；（2）应当
根据情况减少先决条件的事项
担保权益"Security" means a mortgage, charge,
pledge, lien or other security interest
securing any obligation of any person or
any other agreement or arrangement having
a similar effect.
“担保”指抵押、押记、质押、留
置或其他担保权益
担保权益的概念宽于中国法的担保类型如果符合APLMA标准定义，无需修改。

保证条款pliance with laws
Each Obligor shall comply in all respects with
all laws to which it may be subject, if failure so
to comply would materially impair its ability to
perform its obligations under the Finance
Documents.
a.授权（Authorisation）同本表格前文“授权”条款如果符合APLMA标准定义，无需修改。

b.遵守法律（Compliance with laws） b.遵守法律（Compliance with
laws）如果符合APLMA标准定义，无需修改。

c.The borrower will not create or permit to
submit any Security Interest over any of its
assets.
c.消极担保（Negative Pledge）；
要求借款人不得对其资产设定任何担保权益。

虽
然不是担保，但本质上和担保类似；贷款人要求
除非经过其允许，否则借款人不能进行相关的行
为。

（2）借款人在“消极担保”和“类似担保的安排”的安排这
样的条款上应当逐条核对相关的条款，并尽可能与贷款
人沟通，以达到：范围仅适用于借款人，增加一些例外
情况，设定限额等
d.Disposals
No Obligor shall [(and the Company shall
ensure that no other member of the Group will)],
enter into a single transaction or a series of
transactions (whether related or not) and
whether voluntary or involuntary to sell, lease,
transfer or otherwise dispose of any asset.
d.资产处置的限制（Disposals）借款人处置资产方面的限制如果符合APLMA标准定义，无需修改。

e.无借款（No lending） e.无借款（No lending）借款人所在集团内部借款的限制借款人应当进行核实确认。

f.分红及股份赎回（Dividends and share
redemption）
f.分红及股份赎回（Dividends and
share redemption）对借款人的限制借款人应当进行核实确认。

g.资产维持（Maintenance of assets）g.资产维持（Maintenance of
assets）借款人应当进行核实确认。

h. Acquisitions
No Obligor shall [(and the Company shall
ensure that no other member of the Group will)]
acquire any company, business, assets or
undertaking or make any investment.33
h.不得并购（Merge）债务人不得进行任何合并、分拆、兼并或公司重
组
借款人应当进行核实确认。

i.Change of business
The Company shall procure that no substantial
change is made to the general nature of the
business of the Obligors or the Group from that
carried on at the date of this Agreement.
i.不得变更业务（Change of
business）借款人应当进行核实确认。

j.保险（Insurance）j.保险（Insurance）借款人须维持通常保险借款人应当进行核实确认。

陈述和保障a.Status
(a) It is a corporation, duly incorporated
and validly existing under the laws of the
jurisdiction
of incorporation set opposite its name
under the heading "Jurisdiction of
Incorporation" in Part I of Schedule 1 (The
Original Parties).
(b) It and each of its Subsidiaries has the
power to own its assets and carry on its
business as it is being conducted.
a.主体资格(Status）借款人应当进行核实确认。

（1）一般可以接受的条款，审查时建议一般性关注，最后一列标注为绿色
（2）有一定调整空间的条款，审查时建议关注或仔细核对，最后一列标注为黄色（3）一般应加强关注的条款，审查时建议仔细确认落实，最后一列标注为蓝色（4）一般应重点关注的条款，审查时建议加强关注，最后一列标注为红色。