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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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作者：无忧教育 文章来源：51education.net 点击数： 更新时间：2008-5-18 |
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局自受理之日起2个月内作出核准或不予核准的决定。<}0{>The banking regulatory branch bureau or banking regulatory bureau of the city where the loan company is located shall make a decision on approval or disapproval within 2 months as of the date of acceptance.<0} {0> 第十四条 贷款公司可根据业务发展需要，在县域内设立分公司。分公司的设立需经筹建和开业两个阶段。<}0{> Article 14 A loan company may, establish county-based branch companies in light of the development of its businesses. The establishment of a branch company shall go through two phases, namely the preparatory establishment and the start of business.<0} {0> 贷款公司分公司的筹建方案，应事先报监管办事处备案。 <}0{> The preparatory establishment plan of a branch company of a loan company shall be provided to the regulatory office for archival purposes. <0} {0>未设监管办事处的，向银监分局或所在城市银监局备案。贷款公司在分公司筹建方案备案后即可开展筹建工作。<}0{>In case no regulatory office is established, it shall be submitted to the banking regulatory branch bureau or to the banking regulatory bureau at the locality of the branch company to be established for archival purposes. <0} {0>分公司的开业申请，由银监分局或所在城市银监局受理、审查并决定，银监分局或所在城市银监局自受理之日起2个月内作出核准或不予核准的决定。<}0{>The application for start of business of a branch company shall be accepted, examined and decided by the banking regulatory branch bureau or by the banking regulatory bureau of the city at the locality of the branch company. The banking regulatory branch bureau or the banking regulatory bureau at the locality of the branch company to be established shall, within 2 months as of the date of acceptance, make a decision on approval or disapproval.<0} {0> 第十五条 经核准开业的贷款公司及其分公司，由决定机关颁发金融许可证，并凭金融许可证向工商行政管理部门办理登记，领取营业执照。<}0{> Article 15 A loan company or its branch company approved to start business shall be granted a financial permit by the decision-making organ and shall handle the registration formalities upon the strength of the financial permit in the administrative department for industry and commerce so as to obtain a business license.<0} {0> 第三章 组织机构和经营管理<}0{> Chapter III Organizational Structure and Business Management<0} {0>第十六条 贷款公司可不设立董事会、监事会，但必须建立健全经营管理机制和监督机制。<}0{> Article 16 A loan company is not required to set up the board of directors or board of supervisors, but shall set up a sound business management mechanism and a supervision mechanism. <0} {0>投资人可委派监督人员，也可聘请外部机构履行监督职能。<}0{>The investor may appoint supervisors or employ an external institution for supervision.<0} {0> 第十七条 贷款公司的经营管理层由投资人自行决定，报银监分局或所在城市银监局备案。<}0{> Article 17 The business management group of a loan company shall be independently decided by the investor and shall be reported to the banking regulatory branch bureau or the banking regulatory bureau at the locality of the loan company for archival filling.<0} {0> 第十八条 贷款公司章程由投资人制定和修改，报银监分局或所在城市银监局审查并核准。<}0{> Article 18 The articles of association of a loan company shall be drafted and modified by the investor and submitted to the banking regulatory branch bureau or the banking regulatory bureau at the locality of the loan company to be examined and approved.<0} {0> 第十九条 贷款公司董事会负责制订经营方针和业务发展计划，未设董事会的，由经营管理层制订，并经投资人决定后组织实施。<}0{> Article 19 The board of directors of a loan company shall take charge of preparing business operation policies and business development plans. In case no board of directors is established in a loan company, the business operation policies and business development plans shall be prepared by the business management group and shall be exercised upon approval of the investor.<0} {0> 第二十条 经银监分局或所在城市银监局批准，贷款公司可经营下列业务：<}0{> Article 20 Upon approval of the banking regulatory branch bureau or the banking regulatory bureau at the locality of the loan company, a loan company may conduct the following businesses:<0} {0> （一） 办理各项贷款；<}0{> (1) various loans;<0} {0> （二） 办理票据贴现；<}0{> (2) the instruments discount;<0} {0> （三） 办理资产转让；<}0{> (3) the assets transfer;<0} {0> （四） 办理贷款项下的结算；<}0{> (4) the settlement under loans; and<0} {0> （五） 经中国银行业监督管理委员会批准的其他资产业务。 贷款公司不得吸收公众存款。<}0{> (5) other asset businesses as approved by the CBRC. No loan company may draw on deposits of the general public.<0} {0> 第二十一条 贷款公司的营运资金为实收资本和向投资人的借款。<}0{> Article 21 The operating fund of a loan company shall include paid-in capital and borrowed money from the investor.<0} {0> 第二十二条 贷款公司开展业务，必须坚持为农民、农业和农村经济发展服务的经营宗旨，贷款的投向主要用于支持农民、农业和农村经济发展。<}0{> Article 22 In case a loan company carries out business operations, it shall aim at serving the farmers, agriculture and development of rural economy. The loans shall be mainly used to support the development of the farmers, agriculture and rural economy.<0} {0> 第二十三条 贷款公司发放贷款应当坚持小额、分散的原则，提高贷款覆盖面，防止贷款过度集中。<}0{> Article 23 A loan company shall follow the principle of small amount and dispersion, enlarge the coverage of loans and avoid the excessive centralization of loans. <0} {0>贷款公司对同一借款人的贷款余额不得超过资本净额的10%；对单一集团企业客户的授信余额不得超过资本净额的15%。<}0{>The balance of loans granted to a same borrower by the loan company may not be more than 10% of the net assets of the loan company. The credit balance of a single client as a group enterprise may not be more than 15% of the net assets of the loan company.<0} {0> 第二十四条 贷款公司应当加强贷款风险管理，建立科学的授权授信制度、信贷管理流程和内部控制体系，增强风险的识别和管理能力，提高贷款质量。<}0{> Article 24 A loan company shall intensify the management of loan risks, set up a scientific authorization and credit system, credit management procedures and an internal control system, and improve the abilities to identify and control risks so as to improve the loan quality.<0} {0> 第二十五条 贷款公司应按照国家有关规定，建立审慎、规范的资产分类制度和资本补充、约束机制，准确划分资产质量，充分计提呆账准备，真实反映经营成果，确保资本充足率在任何时点不低于8%，资产损失准备充足率不低于100%。<}0{> Article 25 A loan company shall, according to the related provisions of the state, set up a prudent and normative asset classification system and an asset supplement and restraint mechanism, correctly classify the quality of assets, make enough provisions for non-performing assets, ruefully reflect the situation of its business performances, and guarantee that its capital adequacy ratio is not less than 8% at any time and its adequacy ratio of provision for asset losses not less than 100%.<0} {0> 第二十六条 贷款公司应建立健全内部审计制度，对内部控制执行情况进行检查、评价，并对内部控制的薄弱环节进行纠正和完善，确保依法合规经营。<}0{> Article 26 A loan company shall set up a sound internal audit system, check and access the implementation of internal control system as well as modify and perfect the poor links of internal control so as to guarantee compliance business operations.<0} {0> 第二十七条 贷款公司执行国家统一的金融企业财务会计制度，按照国家有关规定，建立健全贷款公司的财务、会计制度。<}0{> Article 27 A loan company shall adopt the uniform accounting system for financial enterprises of the state and set up a sound financial and accounting system in accordance with the related provisions of the state.<0} {0> 第二十八条 贷款公司应当真实记录并全面反映其业务活动和财务状况，编制年度财务会计报告，并由投资人聘请具有资质的会计师事务所进行审计。<}0{> Article 28 A loan company shall truthfully record and reflect its business activities and financial status in an all-round manner and prepare annual accounting statements, which shall be audited by a qualified accounting firm that are employed by the investor. <0} {0>审计报告须报银监分局或所在城市银监局备案。<}0{>The audit report shall be reported to the banking regulatory branch bureau or the banking regulatory bureau at the locality of the loan company for archival filling.<0} {0> 第二十九条 贷款公司应当按规定向银监分局或所在城市银监局报送会计报告、统计报表及其他资料，并对报告、资料的真实性、准确性、完整性负责。<}0{> Article 29 A loan company shall report the accounting statements, statistical statements and other materials to the local banking regulatory branch bureau or to the banking regulatory bureau at the locality of the loan company and shall be responsible for the authenticity, accuracy and completeness of such statements and materials.<0} {0> 第三十条 贷款公司应当建立信息披露制度，及时披露年度经营情况、重大事项等信息。<}0{> Article 30 A loan company shall set up an information release system and release the information about its annual business operations, important events, etc in a timely manner.<0} {0> 第四章 监督管理<}0{> Chapter IV Supervision<0} {0>第三十一条 贷款公司开展业务，依法接受银行业监督管理机构监督管理，与投资人实施并表监管。<}0{> Article 31 The business operations conducted by a loan company shall be under the supervision of the banking regulatory institution and shall be integrated into the statements of the investor for supervision.<0} {0> 第三十二条 银行业监督管理机构依据法律、法规对贷款公司的资本充足率、不良贷款率、风险管理、内部控制、风险集中、关联交易等实施持续、动态监管。<}0{> Article 32 A banking regulatory institution shall conduct persistent and dynamic supervision over capital adequacy ratio, bad loan ratio, risk management, internal control, risk concentration, and affiliated transactions, etc. of loan companies.<0} {0> 第三十三条 银行业监督管理机构根据贷款公司资本充足状况和资产质量状况，适时采取下列监管措施：<}0{> Article 33 A banking regulatory institution shall, in accordance with the capital adequacy status and asset quality status of a loan company, take the following supervisory measures in a timely manner:<0} {0> （一） 对资本充足率大于8%，且不良贷款率在5%以下的，可适当减少检查频率，支持其稳健发展；<}0{> (1) In case the loan company's capital adequacy ratio is above 8% and its bad loan ratio is below 5%, the banking regulatory institution may lesson the inspection frequency and encourage its steady and sound development;<0} {0> （二） 对资本充足率低于8%、大于4%，或不良贷款率在5%以上的，要加大非现场监管和现场检查力度，并督促其限期补充资本、改善资产质量；<}0{> (2) In case the loan company's capital adequacy ratio is below 8% but above 4% or its bad loan ratio is above 5%, the banking regulatory institution shall strengthen the non-on-site supervision and on-the-spot inspections and urge it to supplement its capital and improve the asset quality within a time limit;<0} {0> （三） 对资本充足率降至4%以下，或不良贷款率高于15%的， 上一页 [1] [2] [3] [4] [5] [6] [7] [8] [9] [10] ... 下一页 >> 实践证明经常访问无忧英语教育网 www.51education.net ,能迅速提高你的英语学习能力!积沙成塔,不断提高! 本站所提供的所有信息仅供学校课堂教学及英语学习者学习研究之用，其著作权归原作者及媒体所有。 |
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