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英汉对照法律资源--中华人民共和国商业银行法          【字体:
 

英汉对照法律资源--中华人民共和国商业银行法

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


Article 31 A commercial bank should decide its own interest rates and announce them in accordance with the upper and lower limits for deposit interest set by the People's Bank of China.

第三十二条  商业银行应当按照中国人民银行的规定,向中国人民银行交存存款准备金,留足备付金。

Article 32 A commercial bank should pay a certain amount of deposit reserve funds to the People's Bank of China and keep adequate payment funds in accordance with the latter's stipulations.

第三十三条  商业银行应当保证存款本金和利息的支付,不得拖延、拒绝支付存款本金和利息。

Article 33 A commercial bank should guarantee the payment of the principal and interest of the deposits and must not delay and refuse to pay the principal and interest of the deposits.

第四章  贷款和其他业务的基本规则

Chapter IV Basic Rules Governing Loans and Other Businesses

第三十四条  商业银行根据国民经济和社会发展的需要,在国家产业政策指导下开展贷款业务。

Article 34 A commercial bank should issue loans in accordance with the need of the national economy and social development and under the guidance of the State industrial policies.

第三十五条  商业银行贷款,应当对借款人的借款用途、偿还能力、还款方式等情况进行严格审查。

Article 35 In issuing loans, a commercial bank should closely check the use of the loan by the borrower, the repayment ability of the borrowers and the mode of repayment of the loans.

商业银行贷款,应当实行审贷分离、分级审批的制度。

For extending a loan, a commercial bank should clearly separate the process of checking and actual lending and the lending should go through checking and approval by various levels.

第三十六条  商业银行贷款,借款人应当提供担保。

Article 36 A borrower should provide guarantee for commercial bank loans.

商业银行应当对保证人的偿还能力,抵押物、质物的权属和价值以及实现抵押权、质权的可行性进行严格审查。

A commercial bank should strictly check the repayment ability of the guarantors, the ownership and value of the mortgage and working assets and the possibility of claims to them.

经商业银行审查、评估,确认借款人资信良好,确能偿还贷款的,可以不提供担保。

A borrower which has been proved having sure creditility for repayment through checks and assessments by the commercial bank may not provide guarantee for the commercial bank.

第三十七条  商业银行贷款,应当与借款人订立书面合同。合同应当约定贷款种类、借款用途、金额、利率、还款期限、还款方式、违约责任和双方认为需要约定的其他事项。

Article 37 Upon a loan, the commercial bank and borrower concerned should strike a written contract to clearly define the category, purpose, amount interest rate, repayment period and mode of repayment of the loan, liabilities in case of violating the contract and other stipulations which both sides deem in necessary.

第三十八条  商业银行应当按照中国人民银行规定的贷款利率的上下限,确定贷款利率。

Article 38 A commercial bank should decide the interest rates of loans in accordance with the upper and lower limits of loan interest set by the People's Bank of China.

第三十九条  商业银行贷款,应当遵守下列资产负债比例管理的规定:

Article 39 A commercial bank should abide by the following stipulations in ratio between assets and liabilities:

(一)资本充足率不得低于百分之八;

(1) Capital sufficiency rate must not be less than 8%;

(二)贷款余额与存款余额的比例不得超过百分之七十五;

(2) The ratio between the balance of loans and the balance of deposits must not exceed 75%;

(三)流动性资产余额与流动性负债余额的比例不得低于百分之二十五;

(3) The ratio between the balance of circulating assets and the balance of circulating liabilities must not be lower than 25%;

(四)对同一借款人的贷款余额与商业银行资本余额的比例不得超过百分之十;

(4) The ratio between the balance of loan of one borrower and the balance of capital of the commercial bank must not exceed 10%; and

(五)中国人民银行对资产负债比例管理的其他规定。

(5) Other stipulations of the People's Bank of China governing such ratios.

本法施行前设立的商业银行,在本法施行后,其资产负债比例不符合前款规定的,应当在一定的期限内符合前款规定。

If a commercial bank which was set up before the promulgation of this law has a ratio between assets and liabilities not in accordance with the stipulations of the preceding clause it should readjust the ratio to suit the stipulations in a certain period of time.

具体办法由国务院规定。

The specific methods for such an adjustment are to be decided by the State Council.

第四十条  商业银行不得向关系人发放信用贷款;向关系人发放担保贷款的条件不得优于其他借款人同类贷款的条件。

Article 40 Commercial banks are not allowed to issue credit loans to people who have connections with the bank and the conditions for issuing guaranteed loans to people who have connections with the bank must not be more favorable than those for such loans to other borrowers.

前款所称关系人是指:

The people who have connections with the bank as referred to in the preceding clause are:

(一)商业银行的董事、监事、管理人员、信贷业务人员及其近亲属;

(1) The directors, supervisors, management personnel, credit loan business dealers of the commercial bank and their close relatives; and

(二)前项所列人员投资或者担任高级管理职务的公司、企业和其他经济组织。

(2) Companies, enterprises and other economic organizations which have the people mentioned in the preceding clause as investors or senior management personnel

第四十一条

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