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外汇贷款的对象主要是生产出口创汇产品和替代产品的企业，其他直接或间接创汇并且具备贷款条件的企业或经济实体，也可申请外汇贷款。申请外汇贷款单位必须取得营业执照，具法人资格，实行独立核算，并在银行开立帐户；有健全的财务会计制度和经营管理机构，企业注册资本能按
Foreign exchange loans are mainly targeted at enterprises that manufacture export-oriented foreign exchange products and substitute products. Other enterprises or economic entities that earn foreign exchange, directly or indirectly, and have loan terms, may also apply for foreign exchange loans. An applicant for a foreign currency loan must obtain a business license with the qualifications of a legal person, carry out independent accounting and open an account at a bank. With a sound financial accounting system and a business management institution, the registered capital of the enterprise can be