Article 196 A "loan contract" is a contract whereby the borrower borrows a loan from the lender and repays the loan with interest when the loan becomes due.
Article 197 Loan contracts shall be made in written form, except for the loans otherwise contracted between natural persons.
A loan contract contains such clauses as the category of the loan, kind of currency, purpose of use, amount, interest rate, term and method of repayment.
核心词汇和搭配：
loan contract 借款合同
borrower 借款人
lender 贷款人
becomes due 到期
natural persons 自然人
category 种类
currency 货币
amount 数额
interest rate 利率
条文对照讲解：
第一百九十六条 借款合同是借款人向贷款人借款，到期返还借款并支付利息的合同。
第一百九十七条 借款合同采用书面形式，但自然人之间借款另有约定的除外。
借款合同的内容包括借款种类、币种、用途、数额、利率、期限和还款方式等条款。
附注：中文条文选自《中华人民共和国合同法》（现行有效），英文条文选自全国人大法规库版本。
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