据查证，MML facility的全称为“Money Market Line facility”，是一种非承诺性的短期贷款。

那么，什么是非承诺性的短期贷款呢？

据Investopedia解释，

“An uncommitted facility is an agreement between a lender and a borrower where the lender agrees to make short-term funding available to the borrower. Uncommitted facilities are used to finance seasonal or temporary needs of businesses with fluctuating revenues, such as paying creditors to earn trade discounts, single or one-off transactions, and meeting payroll obligations.”

其实，非承诺性贷款指的就是短期贷款（通常为一年以内），信贷风险较小；贷款人未规定具体的贷款金额，贷款人可拒绝提供贷款，借款人也可不受贷款人规定的约束。

在此扩展一下与“非承诺性贷款”有关的另一种贷款——承诺性贷款。

先来看一下Investopedia的解释：

“A committed facility is a credit facility whereby terms and conditions are clearly defined by the lending institution and imposed upon the borrowing company. A committed facility is a source of credit that has committed to providing a loan to a company. In committed facilities, the borrowing company must meet specific requirements set forth by the lending institution in order to receive the stated funds.”

从上述描述可以看出，承诺性贷款其实就是长期贷款，贷款人与借款人之间会订立相关条款，各方必须遵守；贷款人必须在借款人提出请求后提供贷款；借款人在承诺性贷款规定用款期间内未按合同规定及时进行提款，贷款人会向借款人收取占用银行贷款资金额度的补偿性费用，即贷款承诺费（commitment fee）。

例句：

原文：Additionally, the group has £250million undrawn revolving credit facility due in 2012 and a further £200million undrawn committed facility due in 2017.

译文：此外，集团拥有2.5亿英镑未提取循环型贷款（2012年到期）和2亿英镑未提取承诺贷款（2017年到期）。