中英对照法律资源--中国银行业监督管理委员会《贷款公司管理暂行规定》|无忧教育

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中英对照法律资源--中国银行业监督管理委员会《贷款公司管理暂行规定》

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中英对照法律资源--中国银行业监督管理委员会《贷款公司管理暂行规定》

作者：无忧教育文章来源：51education.net 点击数：更新时间：2008-5-18

{0>中国银行业监督管理委员会关于印发《贷款公司管理暂行规定》的通知<}0{>Circular of China Banking Regulatory Commission Concerning the Printing and Distribution of the Interim Provisions on Administering Loan Companies<0}
{0> 银监发[2007]第6号各银监局，各国有商业银行、股份制商业银行、中国邮政储蓄银行，北京、上海农村商业银行，天津农村合作银行：<}0{> Yin Jian Fa [2007] No. 6 Each banking regulatory bureau, state-owned commercial bank, joint stock commercial bank, China Postal Savings Bank, Beijing Rural Commercial Bank, Shanghai Rural Commercial Bank, Tianjin Rural Cooperative Bank,<0}
{0> 为做好调整放宽农村地区银行业金融机构准入政策的试点工作，中国银行业监督管理委员会制定了《贷款公司管理暂行规定》，现印发给你们，请遵照执行。<}0{> China Banking Regulatory Commission constituted the Interim Provisions on Administering Loan Companies for the purpose of doing well in the pilot work of adjusting and relaxing the policies on the access of banking financial institutions to the rural areas. We hereby print and distribute them to you, please abide hereby.<0}
{0> 请各银监局速将本通知转发至辖内各银监分局、城市商业银行、农村商业银行和农村合作银行。<}0{> Each banking regulatory bureau shall forward the present Circular to the branches of banking regulatory bureaus, urban commercial banks, rural commercial banks and rural cooperative banks within your respective jurisdictions.<0}
{0> 中国银行业监督管理委员会二○○七年一月二十二日<}0{> China Banking Regulatory Commission January 22, 2007<0}
{0> 贷款公司管理暂行规定<}0{> Interim Provisions on Administering Loan Companies<0}
{0> 第一章总则<}0{> Chapter I General Rules<0}
{0>第一条为保护贷款公司、客户的合法权益，规范贷款公司的行为，加强监督管理，保障贷款公司稳健运行，根据《中华人民共和国银行业监督管理法》、《中华人民共和国商业银行法》、《中华人民共和国公司法》等法律法规，制定本规定。<}0{> Article 1 In accordance with the Banking Supervision Law of the People's Republic of China, Law of the People's Bank of China on Commercial Banks, Company Law of the People's Republic of China and other laws and regulations, the present Provisions are constituted with a view to protecting the legitimate rights and interests of loan companies and their clients, regulating the acts of loan companies, intensifying the supervision and administration thereof, and ensuring the steady and sound operation of loan companies.<0}
{0> 第二条贷款公司是指经中国银行业监督管理委员会依据有关法律、法规批准，由境内商业银行或农村合作银行在农村地区设立的专门为县域农民、农业和农村经济发展提供贷款服务的非银行业金融机构。<}0{> Article 2 The term "loan company" means the non-banking financial institutions set up by domestic commercial banks and rural cooperative banks in rural areas upon approval of China Banking Regulatory Commission (hereinafter referred to as the CBRC) in accordance with the related laws and regulations with exclusive purpose to provide credit services for farmers within jurisdiction of counties and for the development of agriculture and rural economy.<0}
{0> 贷款公司是由境内商业银行或农村合作银行全额出资的有限责任公司。<}0{> A loan company is a limited liability company solely invested by a domestic commercial bank or rural cooperative company.<0}
{0> 第三条贷款公司是独立的企业法人，享有由投资形成的全部法人财产权，依法享有民事权利，并以全部法人财产独立承担民事责任。<}0{> Article 3 A loan company is an enterprise with independent legal person status. It enjoys all property rights formed by its investments, enjoys the civil rights and undertakes civil liabilities with all properties of the company.<0}
{0> 贷款公司的投资人依法享有资产收益、重大决策和选择管理者等权利。<}0{> The investors of a loan company have the right to enjoy the asset proceeds, make important resolutions and choose managers.<0}
{0> 第四条贷款公司以安全性、流动性、效益性为经营原则，自主经营，自担风险，自负盈亏，自我约束。<}0{> Article 4 A loan company shall abide by the business principles of safety, liquidity and benefits, operate independently, undertake the risks by itself, assume profits and losses by itself and discipline itself.<0}
{0>第五条贷款公司依法开展业务，不受任何单位和个人的干涉。<}0{> Article 5 A loan company shall operate according to law, and its operation may not be interfered by any entity or individual.<0}
{0> 第六条贷款公司应遵守国家法律、行政法规，执行国家金融方针和政策，依法接受银行业监督管理机构的监督管理。<}0{> Article 6 A loan company shall conform to the laws and administrative regulations of the state, shall fulfill the financial guidelines and policies of the state, and shall be subject to the supervision and administration of the banking regulatory institutions according to law<0}
{0> 第二章机构的设立<}0{> Chapter II Institution Establishment<0}
{0>第七条贷款公司的名称由行政区划、字号、行业、组织形式依次组成，其中行政区划指县级行政区划的名称或地名。<}0{> Article 7 The name of a loan company shall be composed of the administrative division, brand name, industry involved and organization form, among which the administrative division means the name of the administrative division at the county level.<0}
{0> 第八条设立贷款公司应当符合下列条件：<}0{> Article 8 To set up a loan company, the following requirements shall be met:<0}
{0> （一）有符合规定的章程；<}0{> (1) Having the articles of association satisfying the related provisions;<0}
{0> （二）注册资本不低于50万元人民币，为实收货币资本，由投资人一次足额缴纳；<}0{> (2) Having registered capital of no less than 500, 000 Yuan, which shall be a lump-sum cash capital paid by the investor once for all;<0}
{0> （三）有具备任职专业知识和业务工作经验的高级管理人员；<}0{> (3) Having professional and experienced senior managers;<0}
{0> （四）有具备相应专业知识和从业经验的工作人员；<}0{> (4) Having professional and experienced employees;<0}
{0> （五）有必需的组织机构和管理制度；<}0{> (5) Having the necessary organizational structure and management systems;<0}
{0> （六）有符合要求的营业场所、安全防范措施和与业务有关的其他设施；<}0{> (6) Having a business place, safety guarantee measures and other business-related facilities satisfying the related requirements; and<0}
{0> （七）中国银行业监督管理委员会规定的其他条件。<}0{> (7) Other requirements as provisioned by the CBRC.<0}
{0> 第九条设立贷款公司，其投资人应符合下列条件：<}0{> Article 9 To set up a loan company, the investor shall satisfy the following requirements:<0}
{0> （一）投资人为境内商业银行或农村合作银行；<}0{> (1) Being a domestic commercial bank or rural cooperative bank;<0}
{0> （二）资产规模不低于50亿元人民币；<}0{> (2) Having a registered capital of no less than RMB 5 billion Yuan;<0}
{0> （三）公司治理良好，内部控制健全有效；<}0{> (3) Having a sound corporate governance and a perfect and effective internal control system;<0}
{0> （四）主要审慎监管指标符合监管要求；<}0{> (4) Its main supervisory indicators satisfy the supervisory requirements; and<0}
{0> （五）银监会规定的其他审慎性条件。<}0{> (5) Other prudent requirements as provisioned by the CBRC.<0}
{0> 第十条设立贷款公司应当经筹建和开业两个阶段。<}0{> Article 10 The establishment of a loan company shall go through two phases, namely the preparatory establishment and the start of business.<0}
{0> 第十一条筹建贷款公司，申请人应提交下列文件、材料：<}0{> Article 11 An applicant shall submit the following documents and materials for the preparatory establishment of a loan company:<0}
{0> （一）筹建申请书；<}0{> (1) An application for preparatory establishment;<0}
{0> （二）可行性研究报告；<}0{> (2) A feasibility study report;<0}
{0> （三）筹建方案；<}0{> (3) A preparatory establishment plan;<0}
{0> （四）筹建人员名单及简历；<}0{> (4) The name list and resumes of the persons in charge of the preparatory establishment;<0}
{0> （五）非贷款公司设立地的投资人应提供最近两年资产负债表和损益表以及该投资人注册地银行业监督管理机构的书面意见；<}0{> (5) The non-local investor shall submit the balance sheets and the profit and loss statements of the recent 2 years, and the written opinions of the banking regulatory institution of the place where this investor is registered as well; and<0}
{0> （六）中国银行业监督管理委员会规定的其他材料。<}0{> (6) Other materials as prescribed by the CBRC.<0}
{0> 第十二条贷款公司的筹建期最长为自批准决定之日起6个月。筹建期内达到开业条件的，申请人可提交开业申请。<}0{> Article 12 The maximum preparatory establishment period for a loan company shall be 6 months as of the approval date. If the applicant meets the requirements for the start of business within this period, it may apply for start of business.<0}
{0> 贷款公司申请开业，申请人应当提交下列文件、材料：<}0{> For applying for the start of business of a loan company, the applicant shall provide the documents and materials as follows:<0}
{0> （一）开业申请书；<}0{> (1) An application for starting business;<0}
{0> （二）筹建工作报告；<}0{> (2) A report on work of the preparatory establishment;<0}
{0> （三）章程草案；<}0{> (3) A draft of the articles of association;<0}
{0> （四）法定验资机构出具的验资报告；<}0{> (4) A capital verification report as issued by a statutory capital verification institution;<0}
{0> （五）拟任高级管理人员的备案材料；<}0{> (5) The archival materials of the candidate senior managers;<0}
{0> （六）营业场所所有权或使用权的证明材料；<}0{> (6) The evidential materials proving the ownership or use right of the business place;<0}
{0> （七）公安、消防部门对营业场所出具的安全、消防设施合格证明；<}0{> (7) The compliance certificates for the safety and fire control facilities of the business place as issued by the public security and fire control departments; and<0}
{0> （八）中国银行业监督管理委员会规定的其他资料。<}0{> (8) Other materials as requested by the CBRC.<0}
{0> 第十三条贷款公司的筹建申请，由银监分局或所在城市银监局受理，银监局审查并决定。<}0{> Article 13 The application for the preparatory establishment of a loan company shall be accepted by the banking regulatory branch bureau or by the banking regulatory bureau at the locality of the loan company, and shall be examined and decided by the banking regulatory bureau. <0}
{0>银监局自收到完整申请材料或自受理之日起4个月内作出批准或不予批准的书面决定。<}0{>The banking regulatory bureau shall make a written decision on approval or disapproval within 4 months as of its receipt of a compete set of the application materials or after it accepts the application.<0}
{0> 贷款公司的开业申请，由银监分局或所在城市银监局受理、审查并决定。<}0{> The application for the start of business of a loan company shall be accepted, examined and decided by the banking regulatory branch bureau or by the banking regulatory bureau at the locality of the loan company. <0}
{0>银监分局或所在城市银监

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