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［案情］ １９９９年８月 ６日，某运输总公司向银行贷款１３０万元用于技术改造，期限半年。双方在贷款合同中约定：如公司届时不能还贷，银行可自行在总公司及其分公司和内设部门开设的账户内扣款抵贷。今年２月 ６日，贷款到期后公司未能及时还款。２月７日，银行在公司工会
[Case] August 6, 1999, a shipping company loans to the bank 1,300,000 yuan for technological transformation, the deadline of six months. Both parties stipulated in the loan contract that if the company can not repay the loan at that time, the bank may deduct the loan from the account opened by the head office, its branch offices and the internal departments themselves. February 6 this year, the company failed to repay loans after the expiration of the loan. February 7, bank union in the company