如何写个借贷合约

编写通证借贷合约涉及到使用 Solidity 编程语言，并结合以太坊智能合约的标准。以下是一个简化的通证借贷合约的示例，基于以太坊 ERC-20 代币标准和简单的借贷逻辑。请注意，这只是一个基本的演示合约，实际应用中可能需要更多的安全性和功能。

// SPDX-License-Identifier: MIT
pragma solidity ^0.8.0;

import "@openzeppelin/contracts/token/ERC20/IERC20.sol";

contract TokenLoan {
    address public lender;
    IERC20 public token; // 借贷的代币
    mapping(address => uint256) public loanBalances; // 每个借款人的余额

    event Loan(address indexed borrower, uint256 amount);
    event Repayment(address indexed borrower, uint256 amount);

    modifier onlyLender() {
        require(msg.sender == lender, "Only the lender can call this function");
        _;
    }

    constructor(address _token) {
        lender = msg.sender;
        token = IERC20(_token);
    }

    // 借款
    function borrow(uint256 _amount) external {
        require(_amount > 0, "Borrowed amount must be greater than 0");
        require(token.balanceOf(address(this)) >= _amount, "Not enough funds in the contract");

        loanBalances[msg.sender] += _amount;
        token.transfer(msg.sender, _amount);

        emit Loan(msg.sender, _amount);
    }

    // 还款
    function repay(uint256 _amount) external {
        require(loanBalances[msg.sender] >= _amount, "Not enough loan balance");

        loanBalances[msg.sender] -= _amount;
        token.transferFrom(msg.sender, address(this), _amount);

        emit Repayment(msg.sender, _amount);
    }

    // 查看借款余额
    function getLoanBalance() external view returns (uint256) {
        return loanBalances[msg.sender];
    }

    // 将合约余额归还给借款人
    function withdrawRemainingBalance() external onlyLender {
        uint256 remainingBalance = token.balanceOf(address(this));
        require(remainingBalance > 0, "No remaining balance to withdraw");
        
        token.transfer(lender, remainingBalance);
    }
}

```solidity
// SPDX-License-Identifier: MIT
pragma solidity ^0.8.0;

import "@openzeppelin/contracts/token/ERC20/IERC20.sol";

contract TokenLoan {
    address public lender;
    IERC20 public token; // 借贷的代币
    mapping(address => uint256) public loanBalances; // 每个借款人的余额

    event Loan(address indexed borrower, uint256 amount);
    event Repayment(address indexed borrower, uint256 amount);

    modifier onlyLender() {
        require(msg.sender == lender, "Only the lender can call this function");
        _;
    }

    constructor(address _token) {
        lender = msg.sender;
        token = IERC20(_token);
    }

    // 借款
    function borrow(uint256 _amount) external {
        require(_amount > 0, "Borrowed amount must be greater than 0");
        require(token.balanceOf(address(this)) >= _amount, "Not enough funds in the contract");

        loanBalances[msg.sender] += _amount;
        token.transfer(msg.sender, _amount);

        emit Loan(msg.sender, _amount);
    }

    // 还款
    function repay(uint256 _amount) external {
        require(loanBalances[msg.sender] >= _amount, "Not enough loan balance");

        loanBalances[msg.sender] -= _amount;
        token.transferFrom(msg.sender, address(this), _amount);

        emit Repayment(msg.sender, _amount);
    }

    // 查看借款余额
    function getLoanBalance() external view returns (uint256) {
        return loanBalances[msg.sender];
    }

    // 将合约余额归还给借款人
    function withdrawRemainingBalance() external onlyLender {
        uint256 remainingBalance = token.balanceOf(address(this));
        require(remainingBalance > 0, "No remaining balance to withdraw");
        
        token.transfer(lender, remainingBalance);
    }
}
```

上述合约包含以下要点：

1. `borrow` 函数用于借款，将指定数量的代币从合约发送到借款人地址。

2. `repay` 函数用于还款，将还款的代币转移到合约地址。

3. `getLoanBalance` 函数用于查看借款人的借款余额。

4. `withdrawRemainingBalance` 函数用于将合约中剩余的代币归还给借款人。

请注意，在实际应用中，还需要考虑更多的安全性和功能，如利息计算、借款期限、质押物等。借贷合约的设计和实现需要详细考虑以确保安全性和可靠性。在部署和使用合约之前，请确保进行充分的测试和安全审计。