企业因为生产经营的需要，会向银行提交贷款申请，进行固定资产购建、技术改造等大额长期投资。向银行贷款通常包括三个步骤：企业提出申请，银行进行审批，双方签署合同。下面让我们一起来学习一下吧！
企业提出申请
企业进行贷款的第一步是准备有关材料，向贷款银行发出申请，表明贷款的目的和额度。
expansion 扩张，paperwork 文件，loan 贷款，incorporation 公司，business license 营业执照， financial statements 财务报表
举个例子
For expansion, we want to enter the China market, expanding supply and meeting increasing demand.
为了扩张，我们想进入中国市场，增加供应量，以满足不断增长的需求。
All our paperwork is here. Business plans, market research, loan application, copies of our articles of incorporation, business license and recent financial statements.
这是我们的全部文件。商业计划书、市场调研、贷款申请、公司章程副本、营业执照和近期的财务报表。
We want to apply for a long-term loan, these are our materials.
我们想申请长期贷款，这些是我们的材料。
银行进行审批
银行收到企业的贷款申请后，会根据其提交的材料进行审核，确定企业是否有资格进行贷款。
thorough 详尽的，assessment 评估，plan 计划，repayment 还款
举个例子
We will read and give it a thorough assessment. Why don't you just leave the papers with me and I'll get back to you just as soon as I can.
我们会认真阅读，并进行详尽的评估。你不妨把这些文件给我，我会尽快还给你的。
Have you developed a business and marketing plan that I can read?
你们有没有制定可供阅读的商业和营销计划？
Your repayments in the last two years have hardly been consistent.
过去两年你们经常没法按时还款。
双方签署合同
贷款申请审查后，如果银行认为企业全部符合规定，则同意放贷，与贷款企业签署合同。
unlikely 不太可能，credit standing 信誉，grant 授予，contract 合同
举个例子
We have already checked your materials and we are happy to inform you that you meet our requirement.
我们已经检查过您的资料了，并且很高兴通知您，您符合我们的要求。
Your company is of high credit standing so we are at an agreement that loan can be granted to you.
贵公司信誉很好，我们达成一致你们可以获得贷款。
Please sign the contracts after careful checking.
请仔细核对后签订合同。
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