一、引言随着货币流动性宽松和资产荒现象加剧,优质企业在与金融机构融资谈判中,越来越有议价空间。因此,企业在融资合同商务谈判中,应关注用途、期限、利率、提款和还款安排、利率调整机制、违约事项等要点,以降低资金成本、规避融资风险。融资合同作为企业生产经营中重要的资金融通类合同,具有金额大、期限长、金融机构提供制式合同的特点。过去企业通常处于相对弱势的一方,议价能力不高,只能被动接受制式合同,较难通过 I. INTRODUCTION With the loose monetary liquidity and the phenomenon of asset shortage, high-quality enterprises have more and more bargaining space in financing negotiations with financial institutions. Therefore, in business negotiations on financing contracts, enterprises should pay attention to key points such as usage, duration, interest rate, withdrawal and repayment arrangements, interest rate adjustment mechanism and default issues so as to reduce capital costs and avoid financing risks. As an important type of financial intermediation contract in the production and operation of a company, a financing contract has the characteristics of large amount, long term and the provision of standard contracts by financial institutions. In the past, enterprises were usually in a relatively weak position, bargaining power was not high, and they could only passively accept the standard contract and were harder to pass