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哈尔滨市人民政府关于修改《哈尔滨市城市居民最低生活保障办法》的决定

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哈尔滨市人民政府关于修改《哈尔滨市城市居民最低生活保障办法》的决定

黑龙江省哈尔滨市人民政府


哈尔滨市人民政府令
第67号


哈尔滨市人民政府关于修改《哈尔滨市城市居民最低生活保障办法》的决定

市人民政府决定对《哈尔滨市城市居民最低生活保障办法》做如下修改:
一、将《办法》第十条(二)项修改为“进入再就业中心的国有企业下岗职工的收入,按应当领取的国有企业下岗职工月基本生活费标准计算;未进入再就业中心的国有企业下岗职工及企业内退职工的收入,按企业应发放基本生活费标准(不低于城市居民最低生活保障标准)计算。
二、将《办法》第十条(四)项修改为“参加社会统筹的离退休职工的收入,按政策规定的应当得到的离、退休费标准计算;未参加社会统筹的集体所有制企业离退休人员的收入,按企业实际支付的款物计算。
三、将《办法》第十条(六)项修改为“职工遗属的收入,分别按机关和企事业单位职工死亡待遇规定应得的遗属生活困难补助费或者救济金和抚恤费标准计算;对确因企业停产多年而无法全额领取职工遗属救济金和抚恤费的,按实际领取的遗属救济金和抚恤费计算。”
四、将《办法.》第十条(八)项修改为“有劳动能力的自谋职业者,其个人收入按不低于有关部门测算的行业平均收入标准计算;
行业平均收入标准无法测算的,可按城市居民最低生活保障标准计算。”
五、将《办法》第十条(九)项修改为“在就业年龄内有劳动能力或者有部分劳动能力,属于非个人主观原因无法就业的,可按无工资收入计算。”
六、将《办法》第十条二款修改为“计算本条(一)至(九)项各类人员的收入时,还应当包括其它收入。”
七、将《办法》第十六条二款修改为“居民委员会应当经常走访享受城市居民最低生活保障待遇人员的家庭,及时了解掌握其家庭收入变化情况;定期对享受城市居民最低生活保障待遇人员的家庭收入情况进行复查,并及时向管理审批机关提出保留或者取消享受保障待遇人员的资格以及减发、停发、增发保障金的建议。
本决定自发布之日起施行。
《哈尔滨市城市居民最低生活保障办法》根据本决定作相应修改。

哈尔滨市城市居民最低生活保障办法

第一条 为保障城市居民的基本生活,维护社会稳定,根据国务院《城市居民最低生活保障条例》等规定,结合我市情况,制定本 办法。
第二条 本办法适用于本市市区持常住非农业户口居民的最低生活保障。
第三条 实行城市居民最低生活保障制度,坚持政府保障与社会帮扶相结合、鼓励劳动自救、属地管理、公开发放、接受监督的原则。
第四条 本办法由市民政部门负责组织实施。
区民政部门和街道办事处(包括乡镇人民政府,下同)负责辖区内城市居民最低生活保障的日常管理审批工作;居民委员会负责民政部门委托的城市居民最低生活保障日常管理服务工作。
财政、统计、物价、审计、劳动、人事和工商行政管理等部门,按照各自的职责权限,配合做好城市居民最低生活保障工作。
第五条,城市居民最低生活保障标准,由市民政、财政、统计、物价部门,按照维持城市居民基本生活所必需的衣、食、住费用,水电燃煤费用,未成年人义务教育费用和物价指数变化等因素提出意见,报市政府批准后公布执行。
第六条 城市居民最低生活保障资金列入市、区财政预算,纳入社会救济福利事业费支出相关项目,专户存储,专款专用。保障金由市、区财政按比例承担,当年节余结转下年继续使用。
鼓励社会组织和个人为城市居民最低生活保障提供捐赠、资助,全部纳入城市居民最低生活保障资金。
第七条 凡共同生活的家庭成员,按户月人均收入低于城市居民最低生活保障标准的,均可申请享受城市居民最低生活保障待遇。
共同生活的家庭成员是指同一户口并依法形成赡养、抚养或者扶养关系的人员。
第八条 月人均收入低于城市居民最低生活保障标准的家庭,有下列情形之一的,不享受城市居民最低生活保障待遇:
(一)家庭成员中有年满18周岁至60周岁(女55周岁,以下简称就业年龄)且具有劳动能力的,无正当理由拒绝接受职业介绍机构或者社区服务中心等部门提供工作的。
(二)违反《黑龙江省计划生育条例》超计划生育且未落实补救措施的。
(三)吸毒、赌博且仍不悔改的。
(四)拥有自己出资购买的非生活必需高档消费品且日常实际生活消费明显高于我市城市居民最低生活保障标准的。
第九条 家庭收入是指共同生活的家庭成员的全部货币收入和实物收入。包括:
(一)工资性收入:是指由其服务单位支付的固定性或者临时性工资和各类奖金、补贴等收入;
(二)财产性收入:是指房屋租赁、各种储蓄的利息、股票、债券等形成的收入;
(三)转移性收入:是指赡养费、抚养或者扶养费、经常性亲友赠送、失业救济、社会救济等收入;
(四)经营性收入:是指种植业、养殖业、加工业扣除必要成本后的收入及经商、办厂等收入;
(五)劳务性收入:是指通过各种劳务性付出所获得的收入;
(六)其他收入。
无本市市区常住非农业户口的人员与持有本市市区常住非农业户口人员组成家庭,其本人收入按城市居民最低生活保障标准留足后,所余部分计入家庭其他成员的平均收入之中。
第十条 申请享受城市居民最低生活保障待遇家庭成员的收入,按以下要求计算:
(一)在职职工收入高于本市职工月最低工资标准的,按实际收入计算;未能按时足额领取最低工资的,按职工月最低工资标准计算其应得的工资。
(二)进入再就业中心的国有企业下岗职工的收入;按应当领取的国有企业下岗职工月基本生活费标准计算;未进入再就业中心的国有企业下岗职工及企业内退职工的收入,按企业应发放基本生活费标准(不低于城市居民最低生活保障标准)计算。
(三)集体企业下岗职工的收入,按企业实际支付的款物并参照本条第(八)、(九)项计算。
(四)参加社会统筹的离退休职工的收入,按政策规定的应当得到的离、退休费标准计算;未参加社会统筹的集体所有制企业离退休人员的收入,按企业实际支付的款物计算。
(五)参加失业保险的失业职工的收入,接应领取的失业救济金计算。
(六)职工遗属的收入,分别按机关和企事业单位职工死亡待遇规定应得的遗属生活困难补助费或者救济金和抚恢费标准计算;对确因企业停产多年而无法全额领取职工遗属救济金和抚恤费的,按实际领取的遗属救济金和抚恤费计算。
(七)企业职工解除劳动关系获得的一次性收入,从解除劳动关系之日起,按城市居民最低生活保障标准摊入其家庭月收入中,计算至用完为止。
(八)有劳动能力的自谋职业者,其个人收入按不低于有关部门测算的行业平均收入标准计算;行业平均收入标准无法测算的,可按城市居民最低生活保障标准计算。
(九)在就业年龄内有劳动能力或者有部分劳动能力,属于非个人主观原因无法就业的,可按无工资收入计算。
计算本条(一)至(九)项各类人员的收入时,还应当包括其它收入。
第十一条 法定赡养、抚养或者扶养义务人应当履行赡养、抚养或者扶养义务。
法定赡养、抚养或者扶养义务人属于城市居民最低生活保障对象的,视为无赡养、抚养或者扶养能力,不计算其应付赡养、抚养或者扶养费。
法院判决或者政府行政部门调解确定的应当付给的赡养费、抚养或者扶养费,按法律文书确定的标准计算。
第十二条 下列各类收入不计入家庭收入:
(一)优抚对象享受政府发给的抚恤金、定期定量补助费、伤残军人抚恤(保健)金、临时性补助费及义务兵家属优待金等。
(二)政府颁发的一次性奖励金。
(三)在校学生临时困难补助金。
(四)社会及与享受城市居民最低生活保障待遇的人员没有赡养、抚养或者扶养关系的亲友等给予的小额临时性救助金。
(五)在职人员及离、退休人员缴纳的有关社会保险费。
(六)因公负伤、牺牲的职工及其供养的直系亲属享受的津贴、护理费、抚恤金、丧葬费等。
第十三条 居民申请享受城市居民最低生活保障待遇,应当由户主或者本人向户口所在地的居民委员会提出书面申请,填写《哈尔滨市城市居民最低生活保障申请表》,并提供收入等证明。居民委员会对其家庭成员的收入调查核实后张榜公布,公开申请享受城市居民最低生活保障待遇人员的家庭情况,征询辖区居民意见并上报街道办事处;街道办事处审查确认后,报区民政部门审批;区民政部门审批后报市民政部门备案。
对区民政部门批准享受城市居民最低生活保障待遇的人员,由街道办事处发给《哈尔滨市城市居民最低生活保障金领取证》(以下简称《领取证》);对不符合城市居民最低生活保障待遇条件的,区民政部门应当自接到书面申请之日起的30日内,将不予保障的理由书面告知申请人。
区民政部门应当根据享受城市居民最低生活保障待遇人员的家庭收入变化情况,及时对其做出增发、减发、停发的决定,并张榜公布接受社会监督。
第十四条 城市居民最低生活保障金具体数额按下列原则确定:
(一)无生活来源、无劳动能力又无法定赡养人、抚养或者扶养人的享受城市居民最低生活保障待遇的人员,按城市居民最低生活保障标准全额发放。
(二)已有部分收入的享受城市居民最低生活保障待遇的人员按城市居民最低生活保障标准差额发放。
(三)享受城市居民最低生活保障待遇的人员在城市居民最低生活保障标准基础上,属重残疾人
每月加发5%;属社会孤老人员和享受九年义务教育的未成年人每月加发10%;在采暖期内,非集中供暖家庭按户每月加发20%。
第十五条 城市居民最低生活保障金由街道办事处负责发放。享受城市居民最低生活保障待遇的人员持《领取证》到街道办事处按标准领取。
第十六条 享受城市居民最低生活保障待遇的城市居民,家庭人均收入情况发生变化的,应当及时通过居民委员会告知合理审批机关,办理停发、减发或者增发城市居民最低生活保障金的手续。
居民委员会应当经常走访享受城市居民最低生活保障待遇人员的家庭,及时了解掌握其家庭收入变化情况;定期对享受城市居民最低生活保障待遇人员的家庭收入进行复查,并及时向管理审批机关提出保留或者取消享受保障待遇人员的资格及减发、停发、增发保障金的建议。
领取城市居民最低生活保障金的家庭应当主动配合复查。无正当理由拒绝接受复查的,暂时停发保障金。
第十七条 在就业年龄内有劳动能力但尚未就业的城市居民,在享受城市居民最低生活保障待遇期间,应当参加其所在的街道办事处或居民委员会组织的社区公益性劳动,无正当理由拒绝参加的,由街道办事处报请区民政部门停发或者减发本人当月保障金。
第十八条 财政、审计部门应当对城市居民最低生活保障资金使用情况进行监督。
第十九条,从事城市居民最低生活保障管理审批工作的人员有下列行为之一的,给予批评教育或者行政处分;构成犯罪的,依法追究刑事责任:
(一)对符合享受城市居民最低生活保障待遇条件的家庭拒不 签署同意享受城市居民最低生活保障待遇意见的,或者对不符合享受城市居民最低生活保障待遇条件的家庭故意签署同意享受城市居民最低生活保障待遇意见的;
(二)玩忽职守、循私舞弊,或者贪污、挪用、扣压、拖欠城市居民最低生活保障款物的。
第二十条 享受城市居民最低生活保障待遇的城市居民有下列行为之一的,由民政部门给予警告,追回其冒领的城市居民最低生活保障款物;情节恶劣的,处冒领金额1倍以上3倍以下的罚款:
(一)采取虚报、隐瞒、伪造等手段,骗取享受城市居民最低生活保障待遇的;
(二)在享受城市居民最低生活保障待遇期间家庭收入情况好转,不按规定告知管理审批机关,继续享受城市居民最低生活保障待遇的。
第二十一条 城市居民对民政部门作出的不批准享受城市居民最低生活保障待遇或者减发、停发城市居民最低生活保障款物的决定或者给予的行政处罚不服的,可以依法申请行政复议;对复议决定仍不服的,可以依法提起行政诉讼。
第二十二条 罚款使用的票据和罚款的处理,按国家和省的有关规定执行。
第二十三条 市有关部门应当对城市居民最低生活保障对象制定优惠政策。
第二十四条 对申请享受城市居民最低生活保障待遇的城市居民中的特殊对象及政策未明确的情况,由市民政部门征求区民政部门意见后,按照国务院《城市居民最低生活保障条例》和本办法规定的原则认定。
第二十五条 本市行政区域内的县(市)城镇居民最低生活保障,可参照本办法执行。
第二十六条 本办法自2001年4月26日起施行,市人民政府1999年12月23日发布的《哈尔滨市城市居民最低生活保障办法》同时废止。

关于印发《湘西自治州住房公积金个人住房贷款管理实施细则》的通知

湖南省湘西土家族苗族自治州人民政府


湘西土家族苗族自治州人民政府文件
州政发 [2005] 14号



关于印发《湘西自治州住房公积金个人住房贷款管理实施细则》的通知
各县市人民政府,州政府各局委、各直属机构:
州人民政府同意《湘西自治州住房公积金个人贷款管理实施细则》,现印发给你们,请遵照执行。
二OO五年五月八日

第一章 总则

第一条 为了规范住房公积金个人住房贷款管理,维护住房公积金所有者的合法权益,根据《中华人民共和国合同法》、《住房公积金管理条例》和中国人民银行《贷款通则》、《个人住房贷款管理办法》及《湖南省住房公积金个人住房贷款管理暂行办法》的有关规定,结合我州实际,制定本细则。
第二条 个人住房委托贷款是指以住房公积金为资金来源,由州住房公积金管理中心、各县市管理部(以下统称管理中心)委托商业银行向缴存住房公积金的职工发放的,专项用于购买、建造、翻建、大修自住住房的专项贷款。
第三条 管理中心负责贷款的调查、审批和提供资金,受托银行根据管理中心确定的贷款对象、条件、用途、金额、期限、利率和还款方式代为发放、协助收回贷款和办理结算。贷款的风险由管理中心承担。

第二章 贷款对象和条件

第四条 贷款对象。凡按时足额缴存住房公积金且具有完全民事行为能力的在职职工,在购买、建造、翻建、大修自住住房时,均可向缴存住房公积金所在地管理中心申请住房公积金个人住房贷款。
第五条 借款人必须具备下列条件:
(一)按时足额缴纳住房公积金1年以上;
(二)具有购买、建造、翻建、大修自住住房全部价款30%(含30%)以上的首期付款;
由单位统一办理职工购、建房贷款并由单位承诺扣划工资偿还贷款的,30%的首期付款条件可以放宽;
(三)具有稳定的职业和收入,信用良好,并有按期偿还贷款本息的能力;
(四)具有合法有效的购买、建造、翻建、大修自住住房的合同或协议及管理中心、受托银行要求提供的其他证明文件;
(五)具有管理中心和受托银行认可的资产进行抵押、质押或有足够代偿能力的单位或个人作为保证人;
(六)借款申请人在其他金融机构不存在尚未还清的借款和在所在单位无其他欠款;
(七)借款申请人及配偶从提出借款申请之日起两年内未支取住房公积金的;
(八)符合管理中心及受托银行规定的其他条件。

第三章 贷款额度、期限及利率

第六条 住房公积金贷款额度的确定,要综合考虑购建住房价格、借款人还款能力、住房公积金存储余额及其抵(质)押物的价值等因素,最高不得超过8万元。在确定贷款额度时,要遵循下列原则:
(一)不得超过所购、建住房全部价款的70%;
(二)不得超过抵押物价值的70%;
(三)不得超过质押物价值的90%;
(四)家庭内成员住房公积金余额不低于贷款总额30%的,可以达到最高限额。
第七条 住房公积金贷款最长期限为15年,但不得超过借款人自贷款发放之日起至法定退休年龄的年限。
第八条 住房公积金贷款的最高额度和最长期限,州住房公积金管理委员会有新的规定时,按住房公积金管理委员会的新规定执行。
第九条 贷款利率按中国人民银行的规定执行。

第四章 贷款申请和贷前调查

第十条 贷款申请。凡符合住房公积金个人住房贷款有关规定的申请人,可根据缴存公积金的属地原则,向管理中心提出贷款申请,提供下列相关资料:
(一)借款人及其配偶身份证件(居民身份证、户口簿或其他有效居留证件);
(二)借款人夫妻双方的月收入证明;
(三)有保证人的,保证人应提供夫妻双方身份证件;
(四)购买住房的提供具有法律效力的购房合同或协议、房屋产权证、土地使用证,购买二手房的另须提供契税发票;购买期房的,由开发商提供营业执照、年度财务资料及《商品房预售许可证》;建造、翻建住房的提供土地使用证和建设工程规划许可证;大修住房的提供土地使用证和房屋质量鉴定证明;
(五)购买、建造、翻建、大修住房费用30%(含30%)以上的首期付款证明;
(六)住房公积金缴交的有效凭证;
(七)抵押物权属证明、质物清单以及有处分权人同意抵押或质押的证明,或保证人同意提供连带责任保证担保的书面承诺及保证人的资信证明。
第十一条 贷前调查。贷款申请人本人、配偶、保证人及保证人配偶的收入、债务等情况由受托银行初审后签署意见。贷款申请人凭受托银行签署意见的《借款申请表》呈送管理中心。管理中心受理申请后,对申请人提供的所有资料的完整性、真实性、合法性和有效性进行调查,调查内容包括:
(一)检查贷款申请人认真阅读《个人住房借款抵(质)押担保合同》咨询记录后的签署的各项意见情况;
(二)审查申请人住房公积金缴存情况及账号、姓名是否与申请人提供的资料相一致;
(三)购买、建造、翻建、大修住房的行为是否真实合法,核对首付资金是否达到房价的30%;
(四)所购期房的开发商是否具有建设用地规划许可证、建设工程规划许可证、建设工程施工许可证、商品房预售许可证;所建住房的有关资料是否合法有效;
(五)贷款年限是否超过借款人自贷款发放之日起至国家法定退休年龄的年限;抵押或质押担保是否足额有效,共有权人是否出具同意抵押的合法文件;以保证人担保的,审查担保人资格及经济状况等;
(六)家庭月收入与偿还贷款之比,月还款额不得超过家庭月收入的50%。并根据这一规定确定借款人是否具有按期偿还贷款本息的能力;
(七)核定借款人的借款金额及期限。在核定借款金额及借款时,应根据借款人的收入、借款期限和月还款金额确定借款金额。确定借款额时一律就低不就高。
贷前调查结束后,由信贷调查人员根据调查的结果提出书面调查意见,并将借款申请材料报送管理中心贷款审查委员会。

第五章 贷款审批

第十二条 所有贷款须由管理中心贷款审查委员会审批。贷款审查委员会每月审批3次。县市管理部贷款审批按照委托授权事项办理。
第十三条 管理中心贷款审查委员会由中心主任、副主任,资金营运科科长和财务科长共同组成。
第十四条 管理中心信贷员将贷款审查委员会的最后决定通知借款人。不同意贷款的,将资料返还贷款申请人,并说明理由。
第十五条 从借款人送交贷款申请之日起,到管理中心作出准予贷款或不准贷款的决定,应在15个工作日之内完成。

第六章 签订合同

第十六条 经管理中心审批同意发放的贷款,借款人根据审批的具体意见,受托银行、担保人和借款人按不同的担保方式,签订有关合同:
(一)抵押合同。受托银行与借款人、担保人或保证人签订相关的抵押、质押、保证合同。
(二)以现居住房作抵押的,借款人要办理房产抵押评估和抵押过户手续。
(三)以期房作抵押的,管理中心须与售房建房单位签订《阶段性连带责任保证合同》,保证期限从贷款发放之日起至办妥《房屋所有权证》并办理抵押登记之日止。
(四)以有价证券、定期存款、个人住房公积金质押的,按规定办理质押登记手续,同时出具质押登记单据。
借款人配偶一方公积金不在同一中心的,由公积金所在中心为其办理质押手续。

第七章 贷款发放及回收

第十七条 借款人办理完抵押、质押、保证借款合同后,经管理中心信贷部门复核确认无误,同时确认保证金数额达到规定比例时,由管理中心信贷部门给管理中心财务部门下达《住房公积金个人住房贷款通知书》,受托银行根据借款用途向借款人划转资金:
1、借款用于购买住房的,将款项直接以借款人名义划入售房人或售房单位在受托银行开立的存款账户内;
2、用于建造、翻建、大修住房的,由受托银行直接将款项划入借款人在银行开立的账户内。
第十八条 贷款发放后,受托银行应将抵押物凭证、借款合同、抵押、质押、保证担保等相关合同存档保管,属于借款人保管的相关合同文本交借款人自己保管。
第十九条 贷款发放后,受托银行将1份个人贷款档案资料返回管理中心入档。
第二十条 个人住房贷款采取等额本息还款法。借款人每月等额偿还贷款本息,计算公式为:
贷款本金 ×月利率×(1+月利率)贷款月数
每月还款额=---------------------------------------
(1+月利率)贷款月数—1
第二十一条 个人住房贷款采取下列还款方式:
(一)委托扣款方式。由借款人与银行签订协议,授权贷款经办银行在其开立的工资户中按月直接扣划资金偿还贷款;
(二)借款人所在单位代扣偿还方式。由借款人所在单位签署《关于同意代扣借款人工资偿还住房公积金借款的承诺书》,每月从借款人工资中代扣偿还贷款本息;
(三)补充扣划方式。由借款人在受托银行开立储蓄存款账户,并保证账户存有足够扣还每月应还贷款本息的资金,同时受托银行根据协议按月从该账户中直接扣划;
(四)强制扣划方式。借款人恶意拖欠贷款的,管理中心强行扣划或向人民法院申请强制扣划借款人或保证人的保证金、处置抵(质)押物。

第八章 催收方式和贷后管理

第二十二条 催收方式分为一般催收、电话催收和公告催收:
(一) 一般催收由受托银行办理。催收的主要对象为逾期3个月以下(含3个月)的贷款。对逾期3个月以上的贷款,受托银行仍有义务协助催收;
(二)对逾期3个月以上的,管理中心应通过发送催贷通知书或电话进行电话催收。电话催收无效的,要利用报刊、电视及互联网进行公告催收。
第二十三条 管理中心和受托银行要加强贷后管理,定期进行贷款检查,及时通报贷款逾期情况,受托银行要按月报送逾期贷款人员清单。
第二十四条 管理中心每月进行1次综合性个人住房贷款贷后检查,及时掌握贷款资产质量。检查的内容主要有:
(一)、以期房抵押的,督促开发商和借款人及时办理抵押登记手续;
(二)按时归还贷款本息的情况;
(三)借款人有无骗取管理中心贷款的行为;
(四)借款人有无职业、收入和住所的变化和影响还款的其他因素;
(五)保证人的保证资格和保证能力是否发生不利于贷款担保的变化;
(六)建立贷后检查台帐,提出清收方案报主管领导批准实施。

第九章 档案管理与清户撤押

第二十五条 档案管理。每笔贷款发放后,由信贷员向档案管理员移交贷款资料,办理移交手续。档案管理员在接收时,应检查资料是否齐全,资料不齐的由信贷员补齐后再交。
第二十六条 清户撤押。借款人偿还全部本息后,受托银行出具贷款本息结清凭证,返还借款人抵押凭证、质物清单等有关单据。如房产管理部门需要出具撤销抵押登记手续的,其手续由管理中心出具,撤销抵、质押登记的相关手续由借款人凭管理中心出具的相关手续到原登记机关自行办理。

第十章 附 则

第二十七条 本实施细则未作规定的,按省住房公积金监管办《湖南省住房公积金个人住房贷款管理暂行办法》的规定执行。
第二十八条 本实施细则自公布之日起执行,由湘西自治州住房公积金管理中心负责解释。以前与此规定不符的,以此规定为准。


汽车金融公司管理办法(英文版)

中国银行业监督管理委员会




China Banking Regulatory Commission No. 4 Order
Upon the approval of the State Council, the Administrative Rules Governing the Auto Financing Company is now promulgated by the China Banking Regulatory Commission.





Chairman Liu Mingkang

October 3, 2003





Administrative Rules Governing the Auto Financing Company
Chapter I General Provisions
Article 1 The Administrative Rules Governing the Auto Financing Company (hereinafter referred to as the Rules) is stipulated in accordance with relevant laws and regulations to serve the need of developing auto financing business and regulating the business activities of the non-bank financial institutions engaging in auto financing business.



Article 2 Auto financing companies referred to in the Rules are defined as non-bank financial legal entities charted by the China Banking Regulatory Commission in compliance with relevant laws, regulations and the Rules to provide loans for auto buyers and dealers in the mainland of China.



Article 3 Auto financing companies are supervised and regulated by the China Banking Regulatory Commission.



Chapter II Incorporation, Change and Termination


Article 4 The establishment of an auto financing company shall be subject to the approval of the China Banking Regulatory Commission.



Without the approval of the China Banking Regulatory Commission, no individual or entity shall be allowed to establish an auto financing company, or engage in auto financing business, or include in the name of a company such names as “auto financing” or “auto loan” that indicate the company’s engagement in auto financing business



Article 5 An investor of an auto financing company shall satisfy following requirements:

(a) It shall be a corporate legal entity incorporated in and outside China.

If the investor is a non-financial entity, its total assets of the previous year shall be no less than RMB4 billion yuan or an equivalent amount in convertible currencies; its annual business revenue of the previous year shall be no less than RMB2 billion yuan or an equivalent amount in convertible currencies.

If the investor is a non-bank financial institution, its registered capital shall be no less than RMB300 million yuan or an equivalent amount in convertible currencies;

(b) It shall have sound business performance and remain profitable for the last three consecutive years;

(c) It shall comply with the laws of the countries where it is incorporated and shall have a clean record;

(d) In case of the largest investor, it shall be an auto enterprise or a non-bank financial institution.

The auto enterprise refers to an enterprise that manufactures and sells the whole unit of an automobile.

The largest investor refers to the investor with the largest share of capital and its capital contribution accounting for no less than 30 percent of the total equity of the auto financing company;

(e) It shall not invest in more than one auto financing company; and

(f) It shall satisfy other prudential supervisory requirements set forth by the China Banking Regulatory Commission.



Article 6 An auto financing company shall satisfy the following conditions in order to be incorporated:

a) the minimum amount of registered capital required by the Rules;

b) Articles of Association that complies with relevant laws including the Company Law of the People’s Republic of China and the Rules;

c) senior management familiar with auto financing and other related business;

d) a sound organizational structure, management and risk control systems;

e) proper business premises, safety measures and other facilities for business operations; and

f) other conditions set out by the China Banking Regulatory Commission.



Article 7 The minimum registered capital of an auto financing company shall be no less than RMB500 million yuan or an equivalent amount in convertible currencies. Registered capital shall be paid-in capital.



The China Banking Regulatory Commission shall have the power to adjust the minimum registered capital of an auto financing company in line with the developments of auto financing business and the prudential requirements, but the adjusted floor shall not be lower than the amount provided in this Article.



Article 8 The establishment of an auto financing company shall cover two stages, i.e. the preparation stage and the business commencement stage. The Chinese text of all application documents for the preparation and the business commencement stages shall prevail.



Article 9 To apply for the preparation of a prospective auto financing company, the largest investor of the company shall act as the applicant and submit the following documents to the China Banking Regulatory Commission:

(a) an application letter, including the auto financing company’s name, location of incorporation, registered capital, business scope and investors’ names and amounts of investment, etc.;

(b) a feasibility study on establishing the auto financing company, including a market analysis, a business plan, the organizational structure, an assessment of the company’s risk control capability, the proforma balance sheet and profits in the following three years after the business commencement;

(c) an Articles of Association of the auto financing company (a draft note);

(d) basic information of each investor of the auto financing company, including name, legal representative, location of incorporation, a photocopy of the business license and a summary of business performance, etc.;

(e) the investor’s balance sheet, profit and loss statement and cash flow statement for the latest three years audited by qualified auditing firms;

(f) name and resume of the person in charge of the preparation; and

(g) other documents required by the China Banking Regulatory Commission.



If the applicant is a foreign non-bank financial institution, it shall submit the consent of its home country supervisory authority in writing. If the applicant is a non-financial entity, it shall submit the credit rating report of the previous year by a rating agency.



Article 10 The China Banking Regulatory Commission, upon receiving a complete set of application documents for the preparation of an auto financing company, shall provide its decision of approval or denial in writing within six months.



Article 11 The applicant shall, upon receiving the approval letter from the China Banking Regulatory Commission, complete the preparation within six months. If the applicant has justification for prolonging the preparation stage beyond the prescribed period, it shall submit a written application to the China Banking Regulatory Commission before the original deadline falls due, and may extend the preparation stage for up to three months subject to the approval.



If the applicant fails to apply for business commencement upon the completion of the preparation stage or the extended preparation stage, the original approval document for the preparation shall become void automatically.



During the preparation stage, the applicant shall not conduct any auto financing business.



Article 12 The applicant shall, before the deadline of the preparation stage or the extended preparation stage, apply for business commencement to the China Banking Regulatory Commission with the following attachments:



(a) a report on completion of the preparation and an application letter for business commencement;

(b) a certification of paid-in capital issued by a qualified Chinese certifying agency, and a registration certificate issued by the State Administration of Industry and Commerce;

(c) articles of Association of the auto financing company;

(d) names and detailed resumes of proposed senior managerial personnel;

(e) name and capital contribution of each shareholder;

(f) proposed business rules and procedures and internal controls;

(g) verification documents on business premises and other business-related facilities issued by relevant authorities; and

(h) other documents required by the China Banking Regulatory Commission.



Article 13 The China Banking Regulatory Commission, upon receiving a complete set of business commencement application documents, shall provide its decision of approval or denial of the application within three months. If the application is approved, the applicant shall receive a written approval letter attached with a license to conduct financial business with the prescribed business scope. If the application is denied, the applicant shall receive a written notice in which reasons for denial are provided.



The applicant shall, before commencing operations, register with the State Administration of Industry and Commerce with the presentation of the license to conduct financial business, and receive a corporate legal entity business License.



The China Banking Regulatory Commission shall revoke the license to conduct financial business and issue a public notice of the revocation if the auto financing company, after receiving the business license, fails without justification to open business within three months, or, without approval, stops operation for six consecutive months after business commencement.



Article 14 An auto financing company shall not set up any branch or subsidiary.



Article 15 The appointment of the senior managerial personnel of an auto financing company shall be either subject to the qualification review by the China Banking Regulatory Commission or filed with the China Banking Regulatory Commission for record.



The chairman of the board of directors, general manager and deputy general manager, executive directors, and chief financial officer of an auto financing company are subject to the qualification view by the China Banking Regulatory Commission. The qualifications of these senior managerial personnel and procedures relating to qualification review and filing for record shall be issued separately.



Article 16 An auto financing company, in case of any of the following changes, shall seek the approval of the China Banking Regulatory Commission:

(a) change of company name;

(b) change of registered capital;

(c) change of business premises;

(d) change of business scope;

(e) change of organizational structure;

(f) change of equity structure;

(g) revision of Articles of Association;

(h) change of senior managerial personnel;

(i) merger or split; and

(j) other changes that require the approval of the China Banking Regulatory Commission.



Article 17 The liquidation of an auto financing company whose operation is terminated because of dissolution, closure or bankruptcy, shall be carried out in compliance with relevant laws and regulations.



Chapter III Business Scope and Supervision


Article 18 An auto financing company may conduct all or part of the following lines of Renminbi business with the approval of the China Banking Regulatory Commission:

(a) taking deposits with maturity of no less than three months from its shareholders in the mainland of China;

(b) extending loans for auto purchase;

(c) extending loans to auto dealers for purpose of purchasing automobiles or facilities for operations (including the show-room construction, purchase of spare parts and equipment repairs);

(d) transferring and selling auto loan receivables;

(e) borrowing from financial institutions;

(f) providing guarantee for auto purchase financing;

(g) agency business relating to auto purchase financing; and

(h) other loan business approved by The China Banking Regulatory Commission.



Article 19 An auto financing company, in case of extending loans to a natural person for auto purchase, shall observe relevant rules governing the auto loans to individual buyers promulgated by the relative supervisory authority. In case of extending auto loans to a legal entity or other organizations, an auto financing company shall observe relevant rules set out by General Provisions of Loans and other regulations.



Article 20 An auto financing company, without the approval of relevant regulatory authorities, shall not issue bonds or borrow funds from overseas. When an auto financing company’s establishment and business operations involve currency exchange, outward repatriation of profits, provision of auto loans for non-residents, capital management or other business transactions relating to foreign exchange administration, the company shall be subject to relevant regulations to be jointly issued by relative regulatory authorities and the State Administration of Foreign Exchange.



Article 21 An auto financing company shall meet the requirement on the capital to risk assets ratio, and the capital adequacy ratio shall not be less than ten percent. The China Banking Regulatory Commission may increase the minimum requirement of capital adequacy ratio of an individual company in line with the company’s risk profile and risk management capability. Other requirements on risk control and management relating to various kinds of assets shall be issued separately by the China Banking Regulatory Commission.



Article 22 An auto financing company shall adopt relevant accounting rules for financial institutions.



Article 23 An auto financing company shall compile in required format and submit to the China Banking Regulatory Commission the balance sheet, the profit and loss Statement, the cash flow statement and other statements required by the China Banking Regulatory Commission, and submit the financial statements of the previous year within three months after the end of each accounting year.



An auto financing company shall not provide false financial statements, or statements in which important facts are concealed.



Article 24 An auto financing company shall establish and improve various business management systems and internal controls in line with Guidelines on Strengthening Internal Controls of Commercial Banks issued by the People’s Bank of China, and report the systems to the China Banking Regulatory Commission before their implementation.



Article 25 An auto financing company shall accept the on-site examination and the off-site surveillance by the China Banking Regulatory Commission.



Article 26 The China Banking Regulatory Commission may call the legal representatives or other senior managerial personnel of an auto financing company for inquiries into problems discovered during regular examinations, and demand the company to correct within a prescribed time frame.



Article 27 An auto financing company shall establish a system of external audit on a regular basis and submit to the China Banking Regulatory Commission annual auditor’s report signed by the company’s legal representative within six months after the end of each accounting year.



Article 28 An auto financing company, in case of encountering payment difficulties or other emergencies, shall take remedial actions, and promptly report to the China Banking Regulatory Commission.



Article 29 The China Banking Regulatory Commission shall demand remedial actions by an auto financing company in case of the following circumstances:

(a) The company suffers from a loss in the current year of above 50 percent of the registered capital or losses in the last three consecutive years of above 10 percent of the registered capital;

(b) The company is in payment difficulties; and

(c) The company faces other major operational risks that the China Banking Regulatory Commission deems necessary to issue an order for corrective actions.



Article 30 The China Banking Regulatory Commission, after issuing an order for corrective actions to an auto financing company, may take the following enforcement actions:

(a) demanding or prohibiting the change of the company’s senior managerial personnel;

(b) suspending part of the company’s business or prohibiting the company’s engagement in new business lines;

(c) demanding an increase of the company’s capital within a prescribed time frame;

(d) demanding the company to change its equity structure or implement other forms of restructuring;

(e) prohibiting the dividend distribution; and

(f) other enforcement actions that the China Banking Regulatory Commission deems necessary.



Article 31 An auto financing company, when receiving an order for remedial actions, shall not resume normal business operations until the following conditions are met and are approved by the China Banking Regulatory Commission:

(a) Solvency is restored;

(b) Losses are covered; and

(c) Major operational risks are addressed.



Article 32 The maximum time limit that an auto financing company is allowed for corrective actions shall not exceed one year. If the company fails to meet the objectives of remedial actions within the prescribed time limit, its operation shall be terminated in accordance with relevant laws and regulations.



Article 33 Auto financing companies may establish a trade association for self-regulation purposes. The activities of the trade association are subject to the guidance and oversight of the China Banking Regulatory Commission.



Chapter IV Legal Liabilities


Article 34 Any establishment of an auto financing company or any auto financing business without the approval of the China Banking Regulatory Commission shall be banned. If the case constitutes a crime, criminal liabilities shall be investigated. If the case dose not constitute a crime, the China Banking Regulatory Commission shall confiscate the illegal earnings and impose a fine between one to five times the illegal earnings. If no illegal earnings are involved, the China Banking Regulatory Commission shall issue an order for remedial actions and impose a fine of no less than RMB100,000 yuan and no more than RMB500,000 yuan.



Article 35 The China Banking Regulatory Commission shall demand correction and impose a fine of RMB1000 yuan if a company, without the approval of the China Banking Regulatory Commission, includes in its name such words as “auto finance”, “auto loan”, etc. that indicate the company’s engagement in auto financing business.



Article 36 In case of an auto financing company being found to engage in business activities beyond its prescribed business scope, the China Banking Regulatory Commission shall issue a warning against the company, confiscate the illegal earnings and impose a fine in a range of one to five times the illegal earnings. If no illegal earnings are involved, the China Banking Regulatory Commission imposes a fine of no less than RMB100,000 yuan and no more than RMB500,000 yuan. If the case constitutes a crime, the criminal liabilities shall be investigated.



Article 37 In case of an auto financing company being found in violation of relevant provisions of the Rules to provide false financial statements or statements in which important facts are concealed, the China Banking Regulatory Commission shall issue a warning against the company, and impose a fine of no less than RMB100,000 yuan and no more than RMB500,000 yuan. If the case constitutes a crime, the criminal liabilities shall be investigated.



Article 38 In case of an auto financing company being found in violation of relevant provisions of the Rules to reject or impede the examinations and oversight by the supervisor, the China Banking Regulatory Commission shall issue a warning against the company, and impose a fine of no less than RMB10,000 yuan and no more than RMB30,000 yuan.



Article 39 An auto financing company, in case of being found in violation of the Rules, shall be punished in accordance with the provisions of Article 34 to Article 38. If the violation is a serious one, the China Banking Regulatory Commission may ban the company’s senior managerial personnel from holding senior management position for one to ten years, or in some particular case, for life.



Article 40 An auto financing company, in case of being found in violation of other Chinese laws and regulations, shall be subject to enforcement actions by relevant regulatory authorities.



Chapter V Supplementary Provisions


Article 41 The Rules is applicable to all auto financing companies incorporated in the mainland of China funded by investors from Hong Kong Special Administrative Region, Macao Special Administrative Region and Taiwan province.



Article 42 The Rules enters into effect on October 3, 2003, and the power of the interpretation rests with the China Banking Regulatory Commission.