第十三條 業(yè)務原則
Article 13 Operating Principles

銀行應依據(jù)下列原則開展業(yè)務：
The operations of the Bank shall be conducted in accordance with the principles set out below.

（一）銀行應按照穩(wěn)健的銀行原則開展業(yè)務；
1. The Bank shall be guided by sound banking principles in its operations.

（二）銀行業(yè)務應主要是特定項目或特定投資規(guī)劃融資、股權投資以及第十五條規(guī)定的技術援助；
2. The operations of the Bank shall provide principally for the financing of specific projects or specific investment programs, for equity investment, and for technical assistance in accordance with Article 15.

（三）銀行不得在成員反對的情況下，在該成員境內開展融資業(yè)務；
3. The Bank shall not finance any undertaking in the territory of a member if that member objects to such financing.

（四）銀行應保證其從事的每項業(yè)務均符合銀行的業(yè)務和財務政策，包括但不僅限于針對環(huán)境和社會影響方面的政策；
4. The Bank shall ensure that each of its operations complies with the Bank’s operational and financial policies, including without limitation, policies addressing environmental and social impacts.

（五）銀行審議融資申請時，應在綜合考慮有關因素的同時，適當關注借款人以銀行認為合理的條件從別處獲得資金的能力；
5. In considering an application for financing, the Bank shall pay due regard to the ability of the recipient to obtain financing or facilities elsewhere on terms and conditions that the Bank considers reasonable for the recipient, taking into account all pertinent factors.

（六）銀行在提供或擔保融資時，應適當關注借款人及擔保人未來按融資合同規(guī)定的條件履行其義務的可能性；
6. In providing or guaranteeing financing, the Bank shall pay due regard to the prospects that the recipient and guarantor, if any, will be in a position to meet their obligations under the financing contract.

（七）銀行在提供或擔保融資時，應采取銀行認為對該項融資和銀行風險均適宜的融資條件，包括利率、其他費用和還本安排；
7. In providing or guaranteeing financing, the financial terms, such as rate of interest and other charges and the schedule for repayment of principal shall be such as are, in the opinion of the Bank, appropriate for the financing concerned and the risk to the Bank.

（八）銀行不應對普通業(yè)務或特別業(yè)務中銀行融資項目的貨物和服務采購進行國別限制；
8. The Bank shall place no restriction upon the procurement of goods and services from any country from the proceeds of any financing undertaken in the ordinary or special operations of the Bank.

（九）銀行應采取必要措施保證其提供、擔?；騾⑴c的融資資金僅用于融資所規(guī)定的目標，并應兼顧節(jié)約和效率；
9. The Bank shall take the necessary measures to ensure that the proceeds of any financing provided, guaranteed or participated in by the Bank are used only for the purposes for which the financing was granted and with due attention to considerations of economy and efficiency.

（十）銀行應盡可能避免不均衡地將過多資金用于某一或某些成員的利益；
10. The Bank shall pay due regard to the desirability of avoiding a disproportionate amount of its resources being used for the benefit of any member.

（十一）銀行應設法保持其股權資本投資的多樣化。除非出于保護其投資的需要，否則銀行在其股權投資項目中，對所投資的實體或企業(yè)不應承擔任何管理責任，也不應尋求對該實體或企業(yè)的控制權。
11. The Bank shall seek to maintain reasonable diversification in its investments in equity capital. In its equity investments, the Bank shall not assume responsibility for managing any entity or enterprise in which it has an investment and shall not seek a controlling interest in the entity or enterprise concerned, except where necessary to safeguard the investment of the Bank.

第十四條 融資條件
Article 14 Terms and Conditions for Financing

一、銀行在發(fā)放、參與或擔保貸款時，應依照本協(xié)定第十三條規(guī)定的業(yè)務原則及本協(xié)定其他條款的規(guī)定，訂立合同明確該貸款或擔保的條件。在制定上述條件時，銀行應充分考慮保障銀行收益和財務狀況的需要。
1. In the case of loans made or participated in or loans guaranteed by the Bank, the contract shall establish, in conformity with the operating principles set forth in Article 13 and subject to the other provisions of this Agreement, the terms and conditions for the loan or the guarantee concerned. In setting such terms and conditions, the Bank shall take fully into account the need to safeguard its income and financial position.

二、當貸款或擔保對象本身并非銀行成員時，如銀行認為可行，可以要求該項目執(zhí)行所在地的成員，或者銀行接受的該成員某個政府機構或其他機構，為貸款本金、利息和其他費用的按期如約償還提供擔保。
2. Where the recipient of loans or guarantees of loans is not itself a member, the Bank may, when it deems it advisable, require that the member in whose territory the project concerned is to be carried out, or a public agency or any instrumentality of that member acceptable to the Bank, guarantee the repayment of the principal and the payment of interest and other charges on the loan in accordance with the terms thereof.

三、任何股權投資的金額不得超過董事會通過的政策文件所允許的對該實體或企業(yè)進行股權投資的比例。
3. The amount of any equity investment shall not exceed such percentage of the equity capital of the entity or enterprise concerned as permitted under policies approved by the Board of Directors.

四、按照有關貨幣風險最小化的政策規(guī)定，銀行可以使用一國的本幣為銀行在該國的業(yè)務提供融資。
4. The Bank may provide financing in its operations in the currency of the country concerned, in accordance with policies that minimize currency risk.

第十五條 技術援助
Article 15 Technical Assistance

一、在符合銀行宗旨和職能的情況下，銀行可提供技術咨詢、援助及其他類似形式的援助。
1. The Bank may provide technical advice and assistance and other similar forms of assistance which serve its purpose and come within its functions.

二、如遇提供上述服務的費用無法補償時，銀行可從其收益中支出。
2. Where expenditures incurred in furnishing such services are not reimbursable, the Bank shall charge such expenditures to the income of the Bank.