（四）出借人将特定资金账户支配权授权给借款人的，自借款人取得对该账户实际支配权时； 借款合同的内容一般包括借款种类、币种、用途、数额、利率、期限和还款方式等条款。 最高人民法院关于适用《中华人民共和国民法典》合同编通则若干问题的解释

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