留学推荐信英文作文【20篇】

Hello, everyone. I’m very happy to stand here to introduce myself.

大家好，很高心站在这里介绍我自己。

My name is Wang Xiaoming. I’m 14 years old, from Zhen Jiang Zhong Shan Road Primary School. It’s a beautiful school, and I love it very much.

我叫。今年14岁。我来自镇江中山路小学，这是一所美丽的学校，我很喜欢它。

I’m a happy and talented boy. I like to make friends with others, and I get on well with my classmates. Basketball is my favorite sport. I always play basketball in my spare time. Through this game, I get many benefits.

我是一个快乐、聪明的男生。我喜欢交朋友，并且我和班上同学相处的很好。篮球是我最喜欢的运动，我经常在空余时间去打篮球。通过这项游戏，我获得了很多有益的东西。

At school, I study Chinese, Math, English, History, and so on. I like all of them. And I’m doing well in my study. I’m interested in learning English very much. I believe that I will do well in future. I won’t let you down.

在学校，我学了语文、数学、英语、历史等课程。我很喜欢这些可能，并且好好学习它们。我很有兴趣学习英语，并且我相信我能学好它。我不会让你失望的。

Thank you for your listening.

感谢您的聆听。

The classmate of everyone, everyone. My name is , the meaning of my name is (can not). Im years old, graduated from school. I am a man of , I like , I have many hobbies, such as: /, one of my favorite is . My ideal is to was admitted to university. As the saying goes: as if by predestination, opposite for strangers. So I think can study with everybody together is a kind of fate. Hope in the later days we help each other make progress together, to the next level. Thank you!

尊敬的韩国外国语大学入学担当者：

您好，我是这次申请入学的中国学生...。因为个人兴趣选择了学韩国语。希望能去韩国进行更近一步的学习。这次在父母的允许下决定去韩国留学。  韩国是经济非常繁荣，竞争力非常强劲。特别在造船和汽车领域。中韩两国自古以来就以地理近，历史近，文化近紧密连接在一起。特别从1992年两国建交以来各领域更加紧密的合作。我是在父母温暖的关心和正确的人生观教育下成长起来。虽然出生在中国，但非常希望了解中国外的世界。韩国外国语大学坐落在韩国美丽的首都首尔。贵校所具备的完善的教育器具及科目设置对我来说是非常有魅力的学校。能够在贵校学习是我的梦。因为我对经济方面的关心所以想选择国际贸易及经济学方面的学科。毕业后希望能够成为韩中两国经济领域适合的人才。如果给我这次机会，我会尽我最大努力学习韩国语和专业知识。请给我机会吧。谢谢!

I am cheerful, serious and responsible work, and actively learn, work, willing to help in the field, I need a stage show of self-worth, but also to constantly improve themselves, challenge themselves, if your company can be given the opportunity, I will be in the future among work harder in order to return the company, but also hope to have the opportunity and your company to create a win-win situation.

10月20日  星期三  天晴

这一周，我们复习了第六单元统计和第七单元数学广角。

在一组数据中，出现次数最多的数，是这组数据的众数，众数能够反映一组数据的集中情况，一组数据中众数可能不止一个，有可能没有众数。

第二部分打电话有很多方法，最慢的方法是一个一个的通知，还有分组的方法。最快的方法是每个人都不休息，每个人都一起通知下面的人。

经过复习和做练习题，找次品时最好是把物品分成3份，不能平均时，只能相差1。

用天平称找次品时，知道所测物的数量时，还有只含有一个次品，知道次品比正品重或轻，有一个规律2至3个要称1次，4至9个要称2次，10至243个要 称5次。根据的规律是要的次数是几，就几个3相乘，这个数就是最多的所测物品。如果不知道次品比正品轻或重是，就要称很多次。

经过复习，有些爱错的题现在也不爱错了，而且印象深了。

Distinguished judges, how are you! Im , examinee , from .

First of all, thank you very much, judges, gave me a chance to show themselves platforms, to realize my ideal. I am a cheerful, the hobby widespread girl. Since I have a wish, after be brought up must do an excellent broadcast host, as time goes on, blossom, I also slowly growing up, and that desire is increasingly intense, like farmers with the same, to the broadcast management hoe this one job more fondness. I graduated from university English the broadcast and the management art majors and is currently in the university studying degree. Professional knowledge accumulation and multicultural experience gave me the character, in persorality study 12 years, I learn math teaching, and meanwhile continuously from the sea of knowledge is widely draw nutrition, to enrich himself, enhance their abilities, improve their understanding, so as to better grasp the future, to realize my ideal. As with the voice of lithe and graceful singer to express their feelings, just like dancer with lissom dance to interpret their own beliefs, and I will use my voice to deliver me to broadcast hosted ChiAi. I sincerely hope oneself can be a communications messengers, build up a connection between China and the world, TV audience and Bridges, let the communication more smooth, life is full of harmony,

I know, the road of success, and not problem-free, although be full of thorns, but I also: the horns, marches forward courageously, clutching their dreams do not put, stubborn waiting, sincere expectation. And I hope to give me a chance, in higher, more sacred knowledge institution in further into the butterflies, and this cocoon into dance, close unlimitedly the broadcast management that copy of guanghua and glory. From what I have learnt, through my voice, to convey zhongyuan people open enthusiasm, let the world to hear the new century Chinese voice and voice

大家好!我叫(这里写您自己的名字)。幼年时曾作过许多色彩斑斓的梦，当个是我其中之一的梦想我有一个远大的理想，那就是我要当一名,所以我还喜欢天蓝色和银白色，它代表着我要飞向天空。 我身高,是一个性格内向的人，所以我很喜欢读书，各种书都喜欢，当然啦，我最喜欢,不知道大家是否看过另我喜欢不已的死神，动漫中经典中的经典啊!我尽情遨游在书的海洋中，在这里也希望交到和我拥有同样爱好的你。

有广泛爱好的我最大的优点是乐于助人，我这个人就是典型的热肠子，以后你们如果谁有困难，只要我能帮到你们的，尽管说，我一定在所不辞!!古道热肠来称呼再合适不过了，我这个人很好相处，你们会慢慢了解我的。呵呵。我呢，最喜欢冬天，没有什么特别的原因吗，秋太过于伤感，夏太过于热情，而春天却太过于温和，冬再好不过了，介于四者之间，可以使人冷静，使人回味我最喜欢冬天的傲梅，顽强不屈的品质是我学习的目标，我最喜欢雪花的坚持，为达目的地勇往直前。

对了，我最喜欢吃的食物是我妈妈做的，她的手艺非常好，做的食物让我食胃大开，口齿留香，欢迎大家到我加来做客，保证让家赞不绝口。

这就是我，一个幸福的男孩，一个乐于助人的男孩，一个聪明善良的我。

Dear sir/madam: [organization] would very much like to have someone from your company speak at our conference on [topic]. As you may be aware, the mission of our association is to promote . Many of our members are interested in the achievements your company has made in . Enclosed is our preliminary schedule for the conference which will be reviewed in weeks. Ill call you [date] to see who from your company would be willing to speak to us. I can assure you that well make everything convenient to the speaker. Sincerely yours, [name] [title]

Dear Sir,

If an ability to learn fast and to work efficiently is important to you, then I may be the right one for the position you offered .Please consider my application for the position.

I am supposed to graduate from Bussniess School of HuBei Uniersity of Tcchnology in international economy and trade in July 20xx. The three -year education endowed me with a general knowledge and good command of professional knowledge，as well as basic computer knowledge. I have passed all the courses and achieved excellent grade. Outside classroom, I was very active and took part in different extracurricular activities. I have been doing many part-time jobs such as sales and others that you can see in my resume. All these experiences contributed much to the development and promotion of my organization and communication ability.

I am a woman who has a strong and creative mind, plus flexibility of cooperation, public relations skills and so on. I would bring a delighted new interest and enthusiasm, and that, of course, would mean more efficient and better work for you. Have you an opening for a young woman who believes that she has something to offer? If you wish to see me, I will be very pleased to come in for an interview. I should esteem it a great favor if you could give me an opportunity to try to serve you in the position.

Thank you for your consideration

Yours sincerely

Hello Everyone, my Name Is Lee. This Is Really A GREat Honor To Have This Opportunity, and I Believe I Can Make Good Performance Today. Now I Will Introduce Myself Briefly.

I Am 20 Years Old, born In Guangdong Province, south Of China, and I Am A Senior Student At Guangdong University. My Major Is English. And I Will Receive My Bachelor DeGREe After My Graduation In June.

In The Past Four Years, I Spent Most Of My Time On Study. I Passed CET4 And CET6 With A Ease And Acquired Basic Theoretical And Practical Knowledge Of Language.

Besides, I Have Attended Several Speech Competition Held In Beijing, which Really Showed Our professional Advantages. I Have Taken A Tour To Some Big Factories And Companies, through Which I Got A Deep Understanding Of English For Application. Compared To Developed Countries, unfortunately, although We Have Made Extraordinary Progress Since 1998, our Packaging Industry Is Still Underdeveloped, messy And Unstable, and The Situation Of Employees In The Field Is Awkward. But I Have Full Confidence In Its Bright Future If Only Our Economy Can Be Kept At The Growth Pace Still. I Guess You May Be Interested In Why I Choose This Job.

I Would Like To Tell You That This Job Is One Of My Lifelong Goals. If I Can Work Here, I Will Work Hard. As To My Character, I Cannot Describe It Well, but I Know I Am Optimistic And Confident. Sometimes I Prefer To Stay Alone, reading And Listening To The Music, but I Am Not Lonely, for I Like To Chat With My Classmates About Almost Everything.

My Favorite Pastime Is To Play Volleyball, to Play CardsorTo Surf Online. From Life At University, I Learn How To Balance Study And Entertainment. By The Way, I Was An Actor In Our Amazing Drama Club. I Have A Few Glorious Memories On Stage. That Is My Pride.

北京__x股份有限公司

关于终止与北京博超时代软件有限公司《投资意向书》的公告公司及董事会全体成员保证公告内容的真实、准确、完整，对公告的虚假记载、误导性陈述和重大遗漏负连带责任。

北京恒华伟业科技股份有限公司(简称“公司”)与北京博超时代软件有限公司(简称“博超时代”)及其股东就展开资本层面的合作事宜签订了《投资意向书》，详情请见公司于20__年12月18日在中国证监会指定信息披露媒体巨潮资讯网上公告的《关于签署的公告》(公告编号：20__(057)号)。现将交易进展情况公告如下：

一、交易进展情况

公司与博超时代已完成阶段性的尽职调查工作，并就资本层面的合作即公司投资博超时代事宜进行了磋商。但因未能就投资协议达成一致，因此终止投资意向。

二、终止合作的原因

公司与博超时代及其股东就股权投资及未来业务合作等事宜进行了磋商，但鉴于各方若干投资条款未能达成一致，为尊重各方对各自业务未来发展的布局，各方经友好协商同意终止《投资意向书》约定的投资事宜。

三、对公司的影响

因《投资意向书》对各方不具备法律约束力，终止该意向书之前及之后均不会对公司产生任何负债、义务或潜在的义务，也不会对公司的生产经营和利润产生不利影响。

特此公告。

北京__x股份有限公司董事会

20__ 年 2 月 27 日

Good afternoon (morning), professors：

It is my great pleasure to be here. My name is Kathy , graduated from Computer Science Department of Wuhan University.During my four-year study in the university as an under-graduate student, I have built up a solid foundation of professional knowledge, as well as a rich experience of social activities. I am a determined person, always willing to achieve higher goals.

Whats more, I am good at analysis, with a strong sense of cooperation. All of these led me to the success of passing the first round of the entrance examination to the Masters degree. Personally, I am very humorous and easy-going, enjoying a good relationship among my classmates.

In my spare time, I like to read books regarding how to be myself and how to deal with problems. Music and movies are my favorite entertainments. As for my sport interest, I could not deny my greatest interest is football. Playing this game brings me a lot of glory, happiness and passion.

All in all, Wuhan University, with a highly qualified faculty and strong academic environment is the university I have long admired. I believe that I am a very qualified applicant for admission into your Master of IT program and can contribute to the enrichment or diversity of your university. Thank you for your attention!

尊敬的领导：

您好！向您辛勤的工作致以深深的敬意，同时也感谢您能在百忙之中审视我的求职信。

我叫，是X大学化学系化学专业20xx届毕业生。我怀着一颗赤诚的心和对事业的执着追求，真诚希望能成为贵公司的一员，为贵公司事业的发展尽我的全力。

伴着社会竞争的日益激烈，对人才的要求也越来越高，为了毕业后能更好地顺应社会，在大学期间，我注重培养和全面发展自己。此期间我加入了系学生会，并担任了学生会生活部副部长一职，组织参加了多项学院活动，受到学院师生一致好评。还担任本班的班长和学生党支部书记。这些经历不但有利于提高和完善自身综合素质及修养，还塑造了我成熟乐观、遇事谨慎、坚忍不拔、勇于创新的个性，培养了我较强的管理与组织能力。面对新的机遇和挑战，我更坚定了“自信、自强、勤奋、谦虚”的人生信条。

我性格开朗、乐观向上、自信稳重、诚恳务实，待人热情真诚。工作态度认真负责，积极主动，能吃苦耐劳，有较强的组织管理能力，善于创新，能飞快的顺应各种环境，在各类社会实践活动中，如教育实习，家教，商场销售工作等，能与同事、同学建立了良好的人际关系。这些社会实践工作使我具备了敏锐的洞察力、独立的思考判断能力、果断的行事作风以及团队合作精神，最重要的是学会了为人处世之道。扎实的专业能力和积累的社会实践经验使我自信能胜任贵公司所要求的工作。

我的知识、胆识与卓识期待您的赏识！

我的慧心、爱心与信心也定会助您完成伟业雄心！

最后祝贵公司事业一浪高过一浪，明天更胜今天！

此致

敬礼!

求职者：

20xx年4月29日

good morning,my dear teachers,my name is ...,i was from .. school,i live in .. residential district.

i am an active boy,i like making friends and chat with people,i am also a hard working student especially do the thing i am interested in.for example,i like dance very much,one year ago i began to dancing everyevening .no matter what bad weather it is,i will keep on doing and never give up.

well,in my free time,i have many interests,except dance,english is another ,i think english is an international language,it is very important,so i study it hard,i often read some english book to improve my english skills.but i know my english is not good enough ,i will continue studying.thats all,thank you.

中文翻译为：

早上好，我亲爱的老师，我的名字是...

我是一个内在的孩子，我是一个喜欢结交朋友，聊天的人，我也是一个勤奋的学生尤其是这样做的事情我感兴趣例如，我喜欢听歌， 喜欢玩游戏，喜欢看书。

好，我在空闲时间有时会读英语，除了听歌，英语是另一个，我认为英语是一种国际语言，这是非常重要的，所以我的研究很难，我经常读一些英文书籍，以提高我的英语技能。但我知道我的英语水平不够好，我将继续学习那里的的一切，谢谢你。

保研英语自我介绍

Good afternoon, teachers.

I am very glad to be here for this interview. First let me introduce myself. My name is abc, 25 years old. I come from Weifang, a beautiful city of Shandong Province. I graduated from Commercial College in July, 20xx and major in finance. Then, I was a teacher in abc, When I was a senior school student, I am interested in thought and began to read a certain classic work of Marxism, especially I finished reading “the florilegium of Mao ZeDong”. From then on, I have dabbled in more and more theoretical works and accumulated great interests in theory study, especially in Marxism.

I have a dream, a dream of my study. I wish devote my whole life and energy into the development of the Marxism. If I have the opportunity to study in abc University, I’ll dabble in as much as document about the specialty as possible. If it is possible, I want to get the primary accomplishment in my major, at least, a stable basis.

Personally, for today’s China, the first task to the development of Marxism is a process of construction. That’s to say, we should understand Marxism mostly from the aspect of construction and development of social society. Only when our socialistic country has a more rapid and balance development than the capitalistic, we can enhance the attractiveness and persuasion of Marxism eventually.

Respected Professors, good afternoon! Im great honored to meet you here.Im , 26 years old, born in city, HeNan Province.In year 1996, I entered University, majoring in Machincal Designing and Producing. During those 4 yearsstudy, I worked hard and I was always active in various activities. I gained the first scholarship for four times and I joined the Communist Party at the college.

After my graduation in June 20xx, I worked in company.I got a position in the Technology Department the first year and I was involved in several internet projects, such as the one for College student Recruitment in Henan Province and the one for Computer Center in Mathmatics Department in Zhengzhou University. Owning to my hard work, I was rewarded the Best Newcomer Prize in the year 20xx. The next year, I was transferred into the Principal Customer Department, responsible for the Developing and strengthening a good relationship between the principal customers and my company. Two major customers, Henan Provincipal Department of Transportation and Henan Provincial Department of Personnel, are under my work.

However, with time going on, the more I experienced, the clearer I realized that Im really interested in the Enterprise Management. I find many enterprises have the problem of an unmatched management to its developing speed. Im eager to learn more about management and I hope I can study further in this University. So I resigned in August, 20xx and started the way to pursuing my studies. After about half years hard work, Im finally standing before you honorable professors now. Im really excited.

Though Ive sacrificed much on my way to pusuing studies, I believe its worthwhile. I believe working hard will finally be repaied. Thank you !

is sincere, optimistic, cheerful, rich fighting spirit, can be hard. Active and earnest, there is a strong sense of responsibility and teamwork spirit, a strong ability to learn and adapt to the new environment, a strong desire for knowledge, enterprise strong, helpful, sociable, good interpersonal relations.

甲方：

住址：

法人代表：

身份证号：

乙方：

住址：

身份证号：

甲方的法定代表人（姓名）________委托本单位____（姓名）为代理人与____（单位、姓名、性别、出生年月、住址）（简称乙方），就甲方派遣乙方出国留学事宜，签订如下协议：

一、甲方根据_____培养和事业发展的需要，派遣乙方出国留学，乙方接受甲方的派遣。

二、甲方派遣乙方以____身份赴____国留学，期限为____年____个月（自出国之日起计算）。

三、甲方指导乙方制订具体的留学计划，甲方和乙方商定的留学内容是：____________________，乙方须达到的留学目标为：____________________。

四、甲方在乙方出国留学期间，指定____________________（姓名、单位、职称）对乙方给予必须的业务指导。

五、甲方对乙方留学期间在国内的直系亲属，根据国家的政策、规定，给以必要的关心和帮助。

六、甲方根据国家的政策规定，保证乙方在如下方面的待遇：

1、乙方为____________________（国家或单位）公派出国留学人员。

2、出国置装费（金额）及支付办法：____________________。

3、出国国际旅费（金额）及支付办法：____________________。

4、在国外学习生活费（金额）、医疗_____费（金额）及支付办法：____________________。

5、在本协议第二条规定的期限内国内的工资：____________________（照发或不发）。

6、回国休假待遇：____________________（提供回国旅费或不提供）；其他待遇：____________________。

7、回国后的经费结算办法（包括乙方在国外留学期间取得外国资助的结算办法）：____________________。

七、甲方在乙方回国后，负责安排乙方的工作，并积极创造必要的工作和生活条件，发挥乙方的作用。

八、乙方保证按本协议书第二条、第三条的规定，在国外努力完成学业，并按期回国服务。留学期间每____个月向甲方报告一次学习情况。

九、乙方抵达留学所在国后，一个月内向中国驻该国使、领馆报到。乙方在国外期间，保证遵守中国法律对出国留学人员的规定，遵守所在国的法律。

十、乙方无论因何种理由需中止、延长留学期限或改变留学内容，均应至少提前____个月通过中国驻留学所在国使、领馆向甲方提出书面申请，未经甲方批准，不得改变。

十一、乙方留学期满回国后，应在____个月内向甲方报到，按甲方规定办理有关手续。乙方须根据本协议书第三条的规定，向甲方提交书面的留学总结、学术报告（或科研论文、科研成果报告）。第十二条乙方有责任回国后至少在甲方工作____年。缩短工作年限，由甲方决定。

十二、甲方在认为必要时，有权决定将本协议书的副本经由我驻外使、领馆提交乙方留学所在国的有关部门或个人。

十三、甲方违反本协议书时，乙方有权向甲方的上级主管部门提出申诉，要求甲方的上级主管部门责成甲方执行本协议书，赔偿损失等。必要时，乙方可向中国的司法机关起诉，追究甲方的法律责任。

乙方违反本协议书时，甲方将根据乙方违约情况，对乙方批评教育，或给予行政处分，或停止公费待遇，或停薪留职，或要求乙方赔偿损失；必要时，甲方可将乙方违约的事实通知乙方留学所在国的有关部门或个人，或向司法机关起诉，追究乙方的法律责任。

十四、经甲方同意，由________（姓名、性别、出生年月、工作单位、职务）为乙方出国留学的国内保证人，保证乙方执行本协议书。保证人须与乙方经常保持联系，每半年向甲方介绍乙方执行协议书的情况；如乙方违约，保证人须认真协助甲方追究乙方的责任。在乙方违约而保证人又未履行自己职责的情况下，保证人须承担本人经济收入能承受条件下的经济责任。甲方与保证人因保证事项而发生纠纷时，经双方同意，可由甲方的上级主管部门裁决。

十五、本协议书自公证之日起生效，签字各方保证遵照执行。有效期限至本协议书第十二条规定的工作年限期满时止。

十六、必要时，经甲方、乙方、保证人三方协商一致后，可对本协议书进行修改或补充。

十七、本协议书正本一式____份，甲方持____份，乙方和乙方的保证人各持____份，具有同等效力。

甲方：（签章）

地址：

联系方式：

签约日期：________年_______月_______日

乙方：（签章）

地址：

联系方式：

签约日期：________年_______月_______日

乙方保证人：（签章）

地址：

联系方式：

签约日期：________年_______月_______日

尊敬的领导：

您好!我是一名具有扎实专业知识，具有团队协作精神，具有坚强意志和充满自信的机械学子——。

扎实的专业知识是成功的根本。我深知这一点，充分利用大学四年时间，认真学习，并且取得了良好的成绩。通过大学四年的学习，不仅使我掌握了机械行业的相关理论，而且使我具备了较强的动手能力和设计能力。

随着社会化大生产的发展，社会需要具备多项技能的复合型人才。在学好专业课的同时，我自修了计算机、外语和国际金融等热门知识。在计算机方面，能熟练运用FORTRAN、C语言进行编程，并能熟练运用AUTO CAD、WOTD进行绘图和文字处理。

在外语方面，具有一定的听、说、读、写和译的能力，曾完成5000字的专业文献翻译。此外，对金融也表现出浓厚的兴 趣，曾自修了《国际金融》、《证券投资》、《货币银行学》等基础专业课。并曾在股市小试身手，积累了一定的经验，增长了见识。总之，拓宽了自己的知识面，提高了自身素质。

团队协作精神是发挥所学的保证。为了它，我积极参加集体活动，具备较强的协调能力。

坚强的意志是成功的必备素质。我有知识，我重团队，我自信，我坚信……

现在，我以满腔的热情，准备投身到现实社会这个大熔炉中，虽然存在很多艰难困苦，但我坚信，大学生活给我的精神财富能够使我战胜它们。“长风破浪会有时，直挂云帆济沧海”，希望贵公司能给我一个发展的平台，我会好好珍惜它，并全力以赴，为实现自己的人生价值而奋斗，为贵公司的发展贡献力量。

给我一次机会，还您一个惊喜!选择我，没错!

此致

敬礼!

Good afternoon and nice to see u at this sunny afternoon.

I am very glad to be here for interview.

My name is yyx . i come from dlufl and my major is english special lised in business.

Computer, books, films and climbing moutains are my favourite.

I have been a class president for nearly 4 years, and i also have been an interpreter at dalian garment fair for twice.

I think all these exprience and my responsibility, creating thinking and passion would make me qualify for this job.

And whats more, my laptop computer is hp, so i have a better way to recgonize hp.

I believe that it would be a challenge and a chance for me to be a hp man.

Thats all ,thank u so much!

借款人：

贷款人：

抵押人：

保证人：

出质人：

为明确各方权利和义务，根据《民法典》、《贷款通则》和其他有关法律、法规，订立本合同。

借贷条款

第一条借款金额。见36.1

第二条借款用途。见36.2

第三条借款期限。

3.1见36.3。

3.2借据或贷款凭证是本合同不可分割的组成部分。借款的实际放款日和还款日以借款

人、贷款人双方办理的借据或凭证上所记载的日期为准。除日期外，借据或凭证其他记载事项

如与本合同不一致的，以本合同为准。

第四条借款划付。在借款人办妥借款手续后5个营业日内将全部款项划至借款人指定的账户，划付次数、时间、金额见36.4。

第五条article4transferringofloan.thefullamountofloanshallbetransferredtoanaccountdesignatedbytheborrowerwithin5workingdaysfromthedateofcompletingborrowingprocedure.referto36.4forthefrequency,timeandamountoftransferring

第五条借款利率和计息。

5.1借款利率。本合同项下借款利率根据国家有关规定，确定利率见—36—.5。遇利率调整时，借款期限在1年(含)以下的，执行合同利率，不分段计息;借款期限在1年以上的，实行分段计息，从利率调整的次年1月1日开始，按相应利率的档次执行新的利率;如借款人未按约定时间归还借款本息或未按合同约定用途使用借款，贷款人将按国家规定对借款人计收罚息，罚息率见36.6。