一、贷款方的责任：

(1) Liability of the lender:

　　贷款方不按合同规定及时贷款，应偿付违约金。

If the lender does not make a loan in a timely manner in accordance with the provisions of the contract, it shall pay breach of contract damages.

　　二、借款方的责任：

(2) Liability of the borrower:

　　借款方不按合同规定归还贷款的。应当承担违约责任。并加付利息。

If the borrower does not repay the loan in accordance with the provisions of the contract, it shall bear the liability for breach of contract and pay the additional interest.

　　借款方不按合同规定使用政策性贷款，应当加付利息；贷款方有权提前收回一部或全部贷款。

If the borrower does not utilize the loan granted for policy consideration in accordance with the provisions of the contract, it shall pay additional interest; and the lender shall have the right to recall part or all of the loan ahead of schedule.

　　第四十条 违反财产保险合同的责任

Article 41 Liability for breach of a property insurance contract.

　　一、保险方的责任：

(1) Liability of the insurer:

对于保险事故造成的损失，在保险金额的范围内承担赔偿责任。

It shall be liable for paying indemnity for the losses caused by an insured accident within the scope of the insured amount.

被保险方为了避免或减少保险责任范围内的损失而进行的施救、保护、整理、诉讼所支出的合理费用，根据合同规定偿约。如果不及时偿付。应承担违约责任。

The reasonable expenses paid by the policy holder in order to avoid or reduce the losses within the scope of the insured liability by means of rescue, protection, repair or litigation shall be reimbursed in accordance with the provisions of the contract. If it does not indemnify the policy holder in a tmiely manner, it shall be liable for breach or contract.

　　二、投保方的责任：

(2) Liability of the policy holder:

　　投保方如隐瞒被保险财产的真实情况，保险方有权解除合同或不负赔偿责任。 　　

If the policy holder conceals the actual circumstances of the insured property, the insurer shall have the right to rescind the contract or shall not be liable for making indemnity.

　　投保方对被保险的财产发现有危险情况，不采取措施消除，同由此发生事故造成的损失由自己负责，保险方不负赔偿责任。

If the policy holder discovers dangerous circumstances regarding the insured property and does not adopt measures to eliminate them, it shall be held solely liable for any losses from an accident caused thereby, and the insurer shall not be liable for making indemnity therefor.

　　第五章 经济合同纠纷的调整和仲裁

 Chapter Ⅴ Mediation and Arbitration of　Economic Contract Disputes

　　第四十一条 经济合同发生纠纷时，当事人可以通过协商或者调解解决。

Article 41 If a dispute over an economic contract develops, the parties may settle the dispute through consultation or mediation.

当事人不愿通过协商、调解解决或者协商、调解不成的，可以依据合同中的仲裁条款或者事后达成的书面仲裁协议，向仲裁机构中请仲裁。

 If the parties are reluctant to settle the dispute through consultation or mediation or they fail in settling the dispute thereby, they may apply to an arbitration agency for arbitration in accordance with the arbitral clause in the contract or in accordance with the written arbitration agreement reached between them subsequently.

当事人没有在经济合同中订立仲裁条款，事后又没有达成书面仲裁协议的，可以向人民法院起诉。

 If there is no arbitral clause concluded between the parties in the contract and no written arbitration agreement is reached subsequently, the parties may bring a lawsuit in the people’s court.

　　仲裁作出裁决，由仲裁机构制作仲裁裁决书。对仲裁机构的仲裁裁决。当事人应当履行。当事人一方在规定的限期内不履行仲裁机构的仲裁裁决的，另一方可以申请人民法院强制执行。

In the case of a decision made after arbitration, the arbitration agency shall issue an arbitration award. And the parties concerned shall enforce such arbitration award. If either party fails to enforce within the time limit the arbitration award made by the arbitration agency, the other party may apply to the people’s court for compulsory enforcement.

　　第四十二条 经济合同争议中请仲裁的期限为二年，自当事人知道或者应当知道其权利被侵害之日起计算。

Article 42 The term for application for arbitration of disputes over an economic contract shall be two years, which shall be counted from the date the party knows or should have known of the infringement of its rights.

　　第六章 经济合同的管理

 Chapter Ⅵ　Administration of Economic Contracts

　　第四十三条 县级以上各级人民政府工商行政管理部门和其他有关主管部门。依据法律、行政法规规定的职责，负责对经济合同的监督。

Article 43 Administrative departments for industry and commerce of the people’s governments at or above the county level and other competent departments shall, in accordance with their respective functions and duties stipulated by the laws, administrative rules and regulations, be responsible for the supervision over the performance of economic contracts.

　　第四十四条 对利用经济合同危害国家利益、社会公共利益的违法行为，由县级以上各级人民政府工商行政管理部门和其他有关主管部门依据法律、行政法规规定的职责负责处理；构成犯罪的，依法追究刑事责任。

Article 44 Anyone who takes advantage of an economic contract to engage in illegal acts impairing the interests of the State and the social public interests shall be dealt with by the administrative departments for industry and commerce of the people’s governments at or above the county level and other relevant competent departments in accordance with their respective functions and duties as stipulated by the laws, administrative rules and regulations. If such an act constitutes a crime, the offender shall be investigated for criminal liability according to law.

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