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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     


  任何单位和个人不得强令商业银行发放贷款或者提供担保。

Article 41 No unit or individual is allowed to force the commercial banks to issue loans or provide guarantees.

商业银行有权拒绝任何单位和个人强令要求其发放贷款或者提供担保。

In other words the commercial banks have the rights to refuse any unit or body to force it to do so.

经国务院批准的特定贷款项目,国有独资商业银行应当发放贷款。

The solely State owned commercial banks should issue loans to special projects which have been approved by the State Council.

因贷款造成的损失,由国务院采取相应补救措施。具体办法由国务院规定。

The State Council will adopt corresponding measures to make up for the losses of the banks because of issuing the loans. To adopt what measures is up to the decision of the State Council.

第四十二条  借款人应当按期归还贷款的本金和利息。

Article 42 Borrowers of loans should repay the principal and interest of the loans on time.

借款人到期不归还担保贷款的,商业银行依法享有要求保证人归还贷款本金和利息或者就该担保物优先受偿的权利。

If a borrower cannot repay the guaranteed loan on time, the commercial bank which issues the loan has the right to ask the guarantor to repay the principal and interest of the loan or enjoy the priority of repayment by security in accordance with law.

商业银行因行使抵押权、质权而取得的不动产或者股票,应当自取得之日起一年内予以处分。

Fixed assets or stocks obtained by a commercial bank in the course of exercising the banks ownership of mortagage must be handled within one year as of the date of obtaining them by the bank.

借款人到期不归还信用贷款的,应当按照合同约定承担责任。

A borrower should undertake liabilities in accordance with the contract if cannot repay the credit loan on time.

第四十三条  商业银行在中华人民共和国境内不得从事信托投资和股票业务,不得投资于非自用不动产。

Article 43 Commercial banks are not allowed to make trust investment, trade in shares or make investment in fixed assets of non-self use within the People's Republic of China.

商业银行在中华人民共和国境内不得向非银行金融机构和企业投资。

Commercial banks are not allowed to make investment in non-banking institutions and enterprises within the People's Republic of China.

本法施行前,商业银行已向非银行金融机构和企业投资的,由国务院另行规定实施办法。

 For investments in the kind made before the promulgation of this law the State Council will work out rules to deal with them.

第四十四条  商业银行办理票据承兑、汇兑、委托收款等结算业务,应当按照规定的期限兑现,收付入帐,不得压单、压票或者违反规定退票。

Article 44 In handling account settlement businesses such as honor, remittance and trust acceptance negotiable instruments, a commercial bank should honor and enter the receipts and payment into the account book within the set period of time and must not hold down the bill or money order or return them in violating the law.

有关兑现、收付入帐期限的规定应当公布。

The stipulations about the set period for honoring and entering the receipts and payment into the account book should be announced.

第四十五条  商业银行发行金融债券或者到境外借款,应当依照法律、行政法规的规定报经批准。

Article 45 A commercial bank should have the approval for issuing monetary bonds or for borrowing from overseas in accordance with laws and administrative regulations.

第四十六条  同业拆借,应当遵守中国人民银行规定的期限,拆借的期限最长不得超过四个月。

Article 46 Inter-bank lending should be made in accordance with the time limit as set by the People's Bank of China, and the longest time limit should not be more than four months.

禁止利用拆入资金发放固定资产贷款或者用于投资。

It is forbidden to use the borrowed inter-bank funds to issue fixed assets loans or to make investment.

拆出资金限于交足存款准备金、留足备付金和归还中国人民银行到期贷款之后的闲置资金。

Funds for inter-bank lending should be restricted to those idle funds after fully paying the deposit reserve funds, standing funds and the due loans to the People's Bank of China.

拆入资金用于弥补票据结算、联行汇差头寸的不足和解决临时性周转资金的需要。

Funds borrowed from interbank lendings should be used for making up for the settlement of the accounts, shortage of the inter-bank balance and the need of temporary working funds.

第四十七条  商业银行不得违反规定提高或者降低利率以及采用其他不正当手段,吸收存款,发放贷款。

Article 47 Commercial banks must not raise or lower interest rate as against the stipulations or absorb deposits and issue loans through unjustified means.

第四十八条  企业事业单位可以自主选择一家商业银行的营业场所开立一个办理日常转帐结算和现金收付的基本帐户,不得开立两个以上基本帐户。

Article 48 Enterprises and institutions can choose on their own will a commercial bank to open their own basic accounts for daily transferance and settlement of accounts and cash receipts and payment, but cannot open two or more basic accounts.

任何单位和个人不得将单位的资金以个人名义开立帐户存储。

No unit or individual is allowed to open a private account for the deposits of the funds of a unit.

第四十九条  商业银行的营业时间应当方便客户,并予以公告。

Article 49 The business hours of commercial banks should be convenient to clients and should be publicly announced.

商业银行应当在公告的营业时间内营业,不得擅自停止营业或者缩短营业时间。

Commercial banks should be fully open to business within the announced business hours and not to close or shorten the business hours on their own will.

第五十条  商业银行办理业务,提供服务,按照中国人民银行的规定收取手续费。

Article 50 In handling business and providing services, a commercial bank will charge service fees in accordance with the stipulations of the People's Bank of China.

第五十一条  商业银行应当按照国家有关规定保存财务会计报表、业务合同以及其他资料。

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