一、贷款过桥是什么意思?

房贷过桥贷款也称为搭桥房贷，是一种短期贷款，例如某金融机构A拥有一个贷款项目，但是没有资金去运作，所以找到了另一个金融机构B，由金融机构B来发资金

一，过桥贷款（bridge loan）又称搭桥贷款，是指金融机构A拿到贷款项目之后，本身由于暂时缺乏资金没有能力运作，于是找金融机构B商量，让它帮忙发放资金，等A金融机构资金到位后，B则退出。这笔贷款对于B来说，就是所谓的过桥贷款。在我们国家，扮演金融机构A角色的主要是国开行/进出口行/农发行等政策性银行，扮演金融机构B角色的主要是商业银行。

二，2021年6月，广州市地方金融监管局通知，要求小额贷款公司不得开展“过桥贷”“赎楼贷”业务，存量尽快压降、结清，不得直接或变相发放住房按揭贷款

三，从一般意义上讲，过桥贷款是一种短期贷款（short－term loan），其是一种过渡性的贷款。过桥贷款是使购买时机直接资本化的一种有效工具，回收速度快是过桥贷款的最大优点。过桥贷款的期限较短，最长不超过一年，利率相对较高，以一些抵押品诸如房地产或存货来作抵押。因此，过桥贷款也称为“过桥融资”（bridge financing）、“过渡期融资”（interim financing）、“缺口融资”（gap financing）或“回转贷款”（swing loan）。

四，过桥贷款为并购交易双方“搭桥铺路”而提供的款项，可以理解为银行和其他金融机构向借方提供的一项临时或短期借款。它的形式可以是定期贷款，也可以是循环信用证，只是在时限方面更短暂些。所以它只能是一种短期融资，在并购交易中起着“桥梁”的作用。“桥式贷款”的利率比一般的贷款利率要高2%~5%。在市场情况变化异常时，交易必须加速运转，收购市场取费较高，迫使买方快速获得资金以结束交易，从而相继采用“桥式贷款”。随后通过销售债券与权益票据来偿还银行贷款。

五，过桥贷款在国外通常是指中介机构在安排较为复杂的中长期贷款前，为满足其服务公司正常运营的资金需要而提供的短期融资。对中国证券公司来说，过桥贷款是专指由承销商推荐并提供担保，由银行向预上市公司或上市公司提供的流动资金贷款，也就是说，预上市公司发行新股或上市公司配股、增发的方案已得到国家有关证券监管部门批准，因募集资金尚不到位，为解决临时性的正常资金需要向银行申请并由具有法人资格的承销商提供担保的流动资金贷款。

二、Bridge loan代表什么

过桥贷款（bridge loan）又称搭桥贷款,是指金融机构A拿到贷款项目之后，本身由于暂时缺乏资金没有能力叙作，于是找金融机构B商量，让它帮忙发放资金，等A金融机构资金到位后，B则退出。这笔贷款对于B来说，就是所谓的过桥贷款。在我们国家，扮演金融机构A角色的主要是国开行/进出口行/农发行等政策性银行，扮演金融机构B角色的主要是商业银行。

从一般意义上讲，过桥贷款是一种短期贷款（short－term loan），其是一种过渡性的贷款。过桥贷款是使购买时机直接资本化的一种有效工具，回收速度快是过桥贷款的最大优点。过桥贷款的期限较短，最长不超过一年，利率相对较高，以一些抵押品诸如房地产或存货来作抵押。因此，过桥贷款也称为“过桥融资”（bridge financing）、“过渡期融资”（interim financing）、“缺口融资”（gap financing）或“回转贷款”（swing loan）。 过桥贷款在国外通常是指中介机构在安排较为复杂的中长期贷款前，为满足其服务公司正常运营的资金需要而提供的短期融资。对我国证券公司来说，过桥贷款是专指由承销商推荐并提供担保，由银行向预上市公司或上市公司提供的流动资金贷款，也就是说，预上市公司发行新股或上市公司配股、增发的方案已得到国家有关证券监管部门批准，因募集资金尚不到位，为解决临时性的正常资金需要向银行申请并由具有法人资格的承销商提供担保的流动资金贷款。此外，过桥贷款还可以用于满足并购方实施并购前的短期融资需求。

三、Bridge loan是什么意思？

bridge loan

过桥贷款；过渡性融资

双语例句

1."By evening a bridge loan could be ready as well as an agreement to not call the debt for the time being," one of the bankers said.

其中一名银行业人士称:"在傍晚以前可能就过桥贷款达成协议,相关方面亦有望形成共识,在一段时间不再追缴债务."

2.Greece has said the Commission could potentially offer a bridge loan to fill a gap if the aid were not approved in time to cover its funding needs.

希腊曾表示,欧盟执委会或能提供一笔过桥贷款,以弥补金援无法及时获批来满足其融资需求情况下出现的资金缺口.

四、Bridge financing是什么意思

bridge financing

过渡性资金融通，或桥梁融资

释义如下

公司在正式IPO或私募融资前为确保经营和融资活动顺利推进所进行的短期贷款行为，通常期限在1年以内。

过桥融资贷款的提供者一般是承销商或私募投资者，通常这笔贷款不是以现金方式支付利息，而是在IPO或私募成功后以股票方式支付。

详细参考百度百科

希望你能满意，望采纳，谢谢^ _ ^

五、高分求中译英：请帮忙翻译如下贷款合同协议（银行抵押贷款合同）

1、如果指定的提款日或者还款日不是融资行的营业日，则指定的提款日顺延至下一个融资行的营业日，顺延的还款期间应当计收利息。

1, if the specified withdrawal date or repayment date is not a financing line of business day, the specified withdrawal date be postponed to the next line of a financing business day, extended the repayment period should be accrued interest receivable.

2、提前还款和提前到期

随借随还短期贷款，客户可以在到期日前的任何时候进行提前还款，固定期限短期贷款除融资行通知客户贷款提前到期外，客户进行提前还款，应事先经融资行书面同意并足额赔偿融资行因该等提前还款所发生的任何成本和损失。任何提前还款应视为贷款提前到期。无需任何理由，融资行有权随时通知客户在本协议项下的融资提前到期，客户应当立即偿还贷款。

2, early repayment and early maturity

With the take over is also short-term loans, customers can at any time prior to maturity for early repayment of fixed-term short-term loans among financial OK notify customers in advance loan maturity, the customers for early repayment in advance by the written consent of Bank financing, and for full compensation for the financing lines occurred due to such early repayment of any costs and losses. Any early loan repayment ahead of maturity should be considered. Without any reason, financing, Bank reserves the right to inform customers of financing under this Agreement due in advance, the customer shall immediately repay the loan.

3、税收

除非法律要求客户在偿还贷款的时候必须扣除有关的税收，否则客户在本协议项下的还款应当全额支付，不得做任何扣除。如果客户必须按照法律的规定扣除有关的税收，客户应当向融资行支付额外的款项，似的融资行所收到的款项相当于未经任何扣除是融资行应收到的金额。

3, the tax

Unless required by law to repay the loan when the customers need to deduct the relevant taxes, or customers of repayment under this Agreement shall be paid in full, shall not do any deduction. If the customer must follow the provisions of the law relating to tax deduction, the customer should be OK to finance the payment of additional funds, like funding line is equivalent to the amount received without any deduction is to be received in the amount of the financing line.

4、声明和保证

客户作出如下声明和保证，且该声明和保证应视同在融资行每次按照本协议的规定向客户提供融资时，由客户重复作出：

（1）客户为根据中国（不包括香港、澳门特别行政区和台湾地区，下同）法律注册成立的公司等，有权签署本协议及本协议相关的任何文件，并已采取了任何必要的公司行为以使本协议及与本协议相关的任何文件合法、有效、并可强制执行；

（2）客户签署本协议以及履行其在本协议项下的义务，均未且不会违反其已签署的其他任何合同或文件、公司章程、任何适用的法律、法规或行政命令、有权机关的相关文件、判决、裁决，也不与客户承担的任何其他义务或安排相抵触；

（3）客户及其任何股东、关联公司未涉及任何清算、破产、重整、被兼并、合并、分立、重组、解散、关闭、歇业或类似法律程序，亦未发生任何可能导致涉及该等法律程序的情形；

（4）客户未卷入任何可能对其产生重大不利影响的经济、民事、刑事、行政诉讼程序或类似仲裁程序，亦未发生任何可能导致其卷入该等诉讼程序或类似仲裁程序的情形；

（5）客户之法定代表人、董事、监事或其他高级管理人员以及客户之任何重要资产未涉及任何强制执行、查封、扣押、冻结、留置、监管措施，亦未发生任何可能导致涉及该等措施的情形；

（6）客户保证其出具的所有财务报表（如有）符合中国法律规定，报表真实、完整、公正地反映了其财务状况；客户在签署和履行本协议过程中向融资行提供的包括其自身、担保人等全部资料、文件、信息等均是真实、有效、准确、完整而无任何隐瞒或遗漏；

（7）客户在经营活动中严格遵守法律、法规的规定，严格按照客户的营业执照规定的或依法核定的经营范围开展各项业务，按时办理注册年检手续；

（8）客户保证不存在对客户的履约能力造成或可能造成重大不利影响的其他情况或事件。

4, declarations and guarantees

Its clients to make the following declaration and guarantee, and that the statements and assurances should be treated as the financing for each line in accordance with the provisions of this Agreement to provide customers with financing, by the client repetition:

(1) Customer According to China (excluding Hong Kong and Macao Special Administrative Region and Taiwan region, the same below) of companies incorporated and the right to sign this Agreement and any documents related to this Agreement and has taken any necessary company behavior so that this Agreement and with any documents related to this Agreement legal, valid, and may be enforced;

(2) Customer signing this agreement and to fulfill its obligations under this Agreement, neither it has signed and will not violate any other contract or document, the company charter, any applicable law, regulation or administrative orders, the right to organ the relevant documents, judgments, decisions or commitments with our customers to any other obligations or arrangement inconsistent;

(3) Customer and any of its shareholders, affiliated companies are not involved in any liquidation, bankruptcy, reorganization, annexation, merger, separation, reorganization, dissolution, closure, closures, or similar legal process, nor involved in any such law could lead to procedures for the case;

(4) The customer is not involved in anything that might have significant adverse impact on their economic, civil, criminal, administrative proceedings or similar proceedings, nor may lead to their involvement in the event of any such proceedings or arbitration procedure similar to the situation;

(5) Customer's legal representative, directors, supervisors or other senior management personnel, as well as customers of any significant asset is not involved in any enforcement, seizure, seizure, freezing, retention, regulatory measures, nor involved in any such measures could lead to situations;

(6), customers can be assured that all of its issued financial statements (if any) comply with Chinese law, statements give a true and complete and fairly reflected its financial condition; customers in the process of signing and performance of this Agreement to the financing provided, including its own line , guarantor, and all other information, documents, information fliers about the real, effective, accurate and complete without any concealment or omission;

(7) clients business activities in strict compliance with the law and regulations, in strict accordance with customer's business licenses or legally required to carry out the approved business scope of the business, on time and annual registration procedures;

(8) customers can be assured there is no performance on the client's ability to cause or threaten to cause significant adverse effects in other circumstances or events.

确实比较难翻译。额，手太酸了，给点分吧。