信贷合同与格式合同 所谓信贷合同，又称借款合同或借贷合同。它是指由银行或其它金融机构等同自然人、法人或其它经济组织达成的关于货币资金的使用、利息支付和本金归还的书面协议，是一种双务、有偿合同。通常，提供货币资金的银行等金融机构一方被称为贷款人，使用货币资金 Credit contracts and format contracts The so-called credit contracts, also known as loan contracts or loan contracts. It refers to a written agreement on the use of monetary funds, interest payments and principal payments reached by a bank or other financial institution equivalent to a natural person, legal person or other economic organization. It is a dual-service contract. Usually, the bank or other financial institutions that provide monetary funds are called lenders and use monetary funds