小小兔121
放款是贷款流程中的一个重要步聚(或操作)，是指借款人提交的贷款申请，经审核通过，贷款机构向借款人发放贷款的流程。放款到账后，借款人可按贷款用途支用贷款金额。
信用放款能使借款人获得可追加的资本，促进生产和流通规模的扩大，因而信用放款是一种资本放款。是银行放款的形式之一。发放信用放款的风险一般比其他放款要大，因而利率较高，并往往要附加许多条件。
扩展资料
放款的风险
银行的放款风险包括信用风险和市场风险。由借款人的主观原因而导致的风险叫信用风险，如借款人无力还款或拒绝还款。由于客观原因而导致放款收不回来，也会给银行造成信用风险。
例如，放款的期限越长，借款人经营环境变化的可能性就越大，将来可能导致借款人无力还款。如果是抵押放款，抵押品的质量不好，将来在处理抵押品时，也可能使银行遭受损失。
市场风险主要是指由于市场利率大幅度上升或物价上涨，将使得按固定利率放款的银行损失利息收入。放款风险是银行在确定放款价格时应考虑的一个重要因素。
参考资料来源 百度百科-放款
月兮月兮
给你个例子Personal Loan ContractThis contract ("Contract") is an agreement between {Name}, henceforth known as "Borrower," and {Name}, henceforth known as "Lender."Borrower wishes to borrow {amount in dollars}, known as "Loan," from Lender. Loan will be furnished to Borrower on {Date}.Conditions for this Loan are as follows:Borrower will begin repayment of Loan on {Date repayment will begin}.The repayment plan {details of the repayment plan, including any installments, interest, and how payments will be made to Lender}.The final date for repayment will be {Date}.Failure to repay the Loan within {number of days} of {Date} will result in the matter {being turned over to collection, addressed in court, etc.}.Borrower and Lender agree to the conditions above, and sign to that effect in the presence of a notary public on the {date} day of {month}, {year}.________________________________ ________________________________Borrower Name Lender Name________________________________ ________________________________Borrower Signature Lender Signature
damaodaomao
放款是指单凭借款人的信用而无须提供抵押品的放款、信用放款能使借款人获得可追加的资本，促进生产和流通规模的扩大，因而信用放款是一种资本放款。是银行放款的形式之一。发放信用放款的风险一般比其他放款要大，因而利率较高，并往往要附加许多条件。
王家姑娘0122
放款[fàng kuǎn]
[词典] loan; credit; make [grant] loans; advance
[例句]
1、A bank advance can take two forms, loan or overdraft.
银行放款可以采取两种形式：贷款或透支。
2、Interbank lending rates have come down and stabilized, but banks are notyet lending.
同业拆借利率已经下调和稳定，但银行尚未放款。
