消费金融公司试点管理办法(中英双语版).docx

【Title】 Pilot Administrative Measures for Consumer Finance Companies Effective【法规标题】消费金融公司试点管理办法 现行有效【法宝引证码】CLI.4.120259(EN)Date issued: 07-22-2009 发布日期： 2009-07-22Effective date: 07-22-2009 生效日期： 2009-07-22Issuing authority: China Banking Regulatory Commission 发布部门： 中国银行业监督管理委员会Area of law: Banking & Finance 类别： 金融Document Number: Order No.3 2009 of China Banking Regulatory Commission 发文字号： 中国银行业监督管理委员会令2009年第3号 Order of China Banking Regulatory Commission (No.3 2009)The Pilot Administrative Measures for Consumer Finance Companies, which were adopted at the 69th chairmans meeting of China Banking Regulatory Commission, are hereby promulgated, and shall come into force on the date of promulgation.Chairman Liu MingkangJuly 22, 2009 Pilot Administrative Measures for Consumer Finance Companies 中国银行业监督管理委员会令（2009年第3号）消费金融公司试点管理办法已经中国银行业监督管理委员会第69次主席会议通过。现予公布，自公布之日起实施。主席刘明康二九年七月二十二日消费金融公司试点管理办法Chapter I General Provisions 第一章 总则Article 1 To promote the development of the consumer finance sector and regulate the behaviors of non-banking financial institutions that operate the consumer finance business, these Measures are formulated according to the Banking Supervision Law of the Peoples Republic of China, the Company Law of the Peoples Republic of China and other relevant laws and regulations. 第一条 为促进消费金融业的发展，规范经营消费金融业务的非银行金融机构的行为，依据中华人民共和国银行业监督管理法、中华人民共和国公司法等法律法规，制定本办法。Article 2 The term “consumer finance companies” as mentioned in these Measures refers to the non-banking financial institutions which are established within the Peoples Republic of China upon the approval of China Banking Regulatory Commission (CBRC) for, instead of absorbing the deposit of the general public, providing consumption-oriented loans for the resident individuals within China under the principle of small sum and dispersion. 第二条 本办法所称消费金融公司，是指经中国银行业监督管理委员会（以下简称银监会）批准，在中华人民共和国境内设立的，不吸收公众存款，以小额、分散为原则，为中国境内居民个人提供以消费为目的的贷款的非银行金融机构。Article 3 A consumer finance company shall contain “consumer finance” in its name. Without the CBRC approval, no entity may use the term “consumer finance” in its name. 第三条 消费金融公司名称中应标明“消费金融”字样。未经银监会批准，任何单位不得在机构名称中使用“消费金融”字样。Article 4 The CBRC and its dispatched offices shall supervise and administer consumer finance companies and their business operations according to law. 第四条 银监会及其派出机构依法对消费金融公司及其业务活动实施监督管理。Chapter II Establishment, Change and Termination 第二章 设立、变更与终止Article 5 A consumer finance company shall meet the following conditions:1. having the bylaws prescribed by the Company Law of the Peoples Republic of China and the CBRC provisions; 2. having investors that meet the prescribed requirements; 3. having a registered capital not less than the minimum amount prescribed in these Measures; 4. having directors and senior managers competent for their posts as well as competent employees that are familiar with the consumer finance business; 5. having a sound corporate governance system, a sound internal control system, a sound business operation flow and a sound risk management system;6. having a business premise, safety protection measures and other facilities required by its business operations; and7. other conditions of prudence as specified by the CBRC. 第五条 申请设立的消费金融公司应具备下列条件：（一）有符合中华人民共和国公司法和银监会规定的公司章程；（二）有符合规定条件的出资人；（三）有符合本办法规定的最低限额的注册资本；（四）有符合任职资格条件的董事、高级管理人员和熟悉消费金融业务的合格从业人员；（五）有健全的公司治理、内部控制、业务操作、风险管理等制度；（六）有与业务经营相适应的营业场所、安全防范措施和其他设施；（七）银监会规定的其他审慎性条件。Article 6 The principal investor of a consumer finance company shall be a domestic or overseas financial institution or any other investor approved by the CBRC, which shall meet the following requirements:1. it has engaged in the consumer finance sector for five years or more; 2. its total assets value by the end of the last year is at least 60 billion yuan or an equivalent amount of a convertible currency (by standard of consolidated financial statements);3. its financial position is good, and it has gained profits for the last two consecutive accounting years (by standard of consolidated financial statements);4. it has a good credit record and has no gross violation of law or regulation in the last two years; 5. the source of funds to be invested in the consumer finance company is true and legal, and there is no purchase of shares with loan funds or funds of others;6. it has promised not to transfer its stock rights in the consumer finance company within three years (unless it is ordered by the CBRC to do so), and such promise has been included in the bylaws of the company to be established; 7. it has a sound corporate governance structure, a sound internal control mechanism and a sound risk management system; 8. it meets the regulatory requirements specified by the regulatory department; 9. if it is an overseas financial institution, it has a representative office in China for at least two years or has established a branch in China, it has made sufficient analysis and research on the market of China, and the financial regulatory authority of the country or region where it is located has established a good supervision and administration cooperation mechanism with the CBRC; and10. other conditions of prudence as specified by the CBRC. 第六条 消费金融公司的主要出资人应为境内外金融机构和银监会认可的其他出资人，且应具备下列条件：（一）具有5年以上消费金融领域的从业经验；（二）最近1年年末总资产不低于600亿元人民币或等值的可自由兑换货币（合并会计报表口径）；（三）财务状况良好，最近2个会计年度连续盈利（合并会计报表口径）；（四）信誉良好，最近2年内无重大违法违规经营记录；（五）入股资金来源真实合法，不得以借贷资金入股，不得以他人委托资金入股；（六）承诺3年内不转让所持有的消费金融公司股权（银监会依法责令转让的除外），并在拟设公司章程中载明；（七）具有良好的公司治理结构、内部控制机制和健全的风险管理制度；（八）符合有关监管部门的监管要求；（九）境外金融机构应在中国境内设立代表处2年以上，或已设有分支机构，对中国的市场有充分的分析和研究，且所在国家或地区金融监管当局已经与银监会建立良好的监督管理合作机制；（十）银监会规定的其他审慎性条件。Article 7 In addition to the requirements prescribed in Items 3 through 9 of Article 6 of these Measures that shall be met by an ordinary investor of a consumer finance company, a financial institution shall have a registered capital of at least 300 million yuan or an equivalent amount in a convertible currency, and a non-financial institution shall have a net assets ratio of at least 30%. 第七条 消费金融公司的一般出资人除应具备本办法第六条第（三）、（四）、（五）、（六）、（七）、（八）、（九）项规定的条件外，金融机构还应具备注册资本不低于3亿元人民币或等值的可自由兑换货币的条件，非金融机构还应具备净资产率不低于30%的条件。Article 8 The registered capital of a consumer finance company shall be paid-in monetary capital which shall be paid once and for all. The floor registered capital shall be 300 million yuan or an equivalent amount of a convertible currency. The CBRC can adjust the floor registered capital according to the development situations of the consumer finance business and the needs for prudential supervision and administration. 第八条 消费金融公司的注册资本应为一次性实缴货币资本，最低限额为3亿元人民币或等值的可自由兑换货币。银监会根据消费金融业务的发展情况及审慎监管的需要，可以调整注册资本的最低限额。Article 9 Upon the CBRC approval, a consumer finance company can establish branch offices to meet its development needs. The specific conditions for establishing branch offices shall be separately formulated by the CBRC. Without the approval of the CBRC, no consumer finance company may operate business at any place outside the administrative region where it is registered. 第九条 消费金融公司根据业务发展的需要，经银监会批准，可以设立分支机构。设立分支机构的具体条件由银监会另行制定。未经银监会批准，消费金融公司不得在注册地所在行政区域之外开展业务。Article 10 The CBRC applies the post-holding qualification examination and approval system to the directors and senior managers of consumer finance companies. 第十条 银监会对消费金融公司董事和高级管理人员实行任职资格核准制度。Article 11 In the case of any of the following changes, a consumer finance company shall report it to the CBRC for approval:1. change of name;2. change of registered capital; 3. change of equity or adjustment of equity structure;4. change of domicile or business place;5. change of bylaws;6. change of directors or senior managers;7. adjustment of business scope;8. change of organizational form;9. merger or division; or10. any other matter prescribed by the CBRC. 第十一条 消费金融公司有下列变更事项之一的，应报经银监会批准：（一）变更公司名称；（二）变更注册资本；（三）变更股权或调整股权结构；（四）变更公司住所或营业场所；（五）修改公司章程；（六）变更董事和高级管理人员；（七）调整业务范围；（八）改变组织形式；（九）合并或分立；（十）银监会规定的其他变更事项。Article 12 A consumer finance company that falls under any of the following circumstances can be dissolved upon the approval of the CBRC:1. the business term prescribed in its bylaws expires, or any other cause for dissolution as prescribed in its bylaws appears;2. the authority prescribed in the bylaws makes a resolution of dissolution;3. the dissolution is required by the merger or division of the company; or4. any other statutory cause. 第十二条 消费金融公司有下列情况之一的，经银监会批准后可以解散：（一）公司章程规定的营业期限届满或者公司章程规定的其他解散事由出现；（二）公司章程规定的权力机构决议解散；（三）因公司合并或者分立需要解散；（四）其他法定事由。Article 13 Where a consumer finance company is terminated due to dissolution, cancellation or being declared bankruptcy, its liquidation issues shall be handled according to the relevant laws and regulations of the state. 第十三条 消费金融公司因解散、依法被撤销或被宣告破产而终止的，其清算事宜，按照国家有关法律法规办理。Article 14 The administrative licensing procedures for the establishment, change and termination of a consumer finance company as well as the post-holding qualification examination and approval of its directors and senior managers must be governed by the relevant provisions of the CBRC. 第十四条 消费金融公司设立、变更、终止和董事及高级管理人员任职资格核准的行政许可程序，按照银监会的相关规定执行。Article 15 The foreign exchange administration issues concerned in the establishment, change or business operation of a consumer finance company shall be governed by the relevant provisions of the state on foreign exchange administration. 第十五条 消费金融公司设立、变更及业务经营过程中涉及外汇管理事项的，应遵守国家外汇管理有关规定。Chapter III Business Scope and Operating Rules 第三章 业务范围及经营规则Article 16 Upon the approval of the CBRC, a consumer finance company may operate some or all of the following RMB businesses:1. handling individual loans for durable consumer goods; 2. handling individual loans for general purposes; 3. handling the assignment of credit assets; 4. engaging in the inter-bank borrowing business in China; 5. borrowing money from domestic financial institutions; 6. issuing financial bonds upon approval; 7. providing consultancy and agency services related to consumer finance; 8. selling insurance products related to consumer finance on a commission basis; 9. making securities investment with regular earnings; and10. other businesses approved by the CBRC. 第十六条 经银监会批准，消费金融公司可经营下列部分或者全部人民币业务：（一）办理个人耐用消费品贷款；（二）办理一般用途个人消费贷款；（三）办理信贷资产转让；（四）境内同业拆借；（五）向境内金融机构借款；（六）经批准发行金融债券；（七）与消费金融相关的咨询、代理业务；（八）代理销售与消费贷款相关的保险产品；（九）固定收益类证券投资业务；（十）银监会批准的其他业务。Article 17 A consumer finance company can only grant individual consumption loans for general purposes to borrowers who have applied to the company for loans for durable consumer goods and have a good history in the repayment of loans. 第十七条 消费金融公司须向曾从本公司申请过耐用消费品贷款且还款记录良好的借款人发放一般用途个人消费贷款。Article 18 The balance of the consumption loan granted by a consumer finance company to an individual may not exceed five times the monthly income of the borrower. 第十八条 消费金融公司向个人发放消费贷款的余额不得超过借款人月收入的5倍。Chapter IV Supervision and Administration 第四章 监督管理Article 19 A consumer finance company shall, according to the relevant provisions of the CBRC, establish and perfect its corporate governance structure and internal control system, make operating rules, and set up an all-round and effective risk management system. 第十九条 消费金融公司应当按照银监会的有关规定，建立、健全公司治理架构和内部控制制度，制定业务经营规则，建立全面有效的风险管理体系。Article 20 A consumer finance company shall observe the following regulatory requirements:1. its capital adequacy ratio is not less than 10%;2. the funds from inter-bank borrowing are not more than 100% of the total capital; 3. the adequacy ratio of asset loss reserve is not less than 100%; and4. the investment balance is not more than 20% of the total capital. The computing methods of the relevant regulatory indicators shall be governed by the relevant provisions of the CBRC on the non-field supervision statement indicator system. 第二十条 消费金融公司应遵守下列监管指标要求：（一）资本充足率不低于10%；（二）同业拆入资金比例不高于资本总额的100%；（三）资产损失准备充足率不低于100%；（四）投资余额不高于资本总额的20%。有关监管指标的计算方法遵照银监会非现场监管报表指标体系的有关规定。Article 21 A consumer finance company shall establish a prudent assets depreciation reserve system and prepare assets depreciation reserves in full amount in time according to the relevant provisions. Profits may not be distributed before such reserves are prepared. 第二十一条 消费金融公司应按照有关规定建立审慎的资产减值准备制度，及时足额计提资产减值准备。未提足准备的，不得进行利润分配。Article 22 A consumer finance company shall set up a risk pricing mechanism for the interest rate of consumer loans and, according to factors such as capital cost, risk cost, investment return requirements and market price, determine the interest rate of consumer loans within the scope approved by law so as to make sure that all risks are covered in the pricing. 第二十二条 消费金融公司应当建立消费贷款利率的风险定价机制，根据资金成本、风险成本、资本回报要求及市场价格等因素，在法律法规允许的范围内，制定消费贷款的利率水平，确保定价能够全面覆盖风险。Article 23 A consumer finance company shall set up an effective risk management system and a reliable operation flow so as to identify false application information and prevent fraudulence. 第二十三条 消费金融公司应当建立有效的风险管理体系和可靠的业务操作流程，以充分识别虚假的申请信息，防止欺诈行为。Article 24 A consumer finance company which has outsourcing needs shall make outsourcing policies and management rules, including the outsourcing decision-making process, the evaluation and management of the outsourcing service provider, the measures for the confidentiality and security of business information, the emergency plan, etc. Before concluding an outsourcing agreement, a consumer finance company shall report the major risks involved in the outsourcing agreement and the measures for avoiding them to the CBRC. A consumer finance company may not outsource any business closely related to the making of loan decisions or to the core technology for risk control. 第二十四条 消费金融公司如有业务外包需要，应制定与业务外包相关的政策和管理制度，包括业务外包的决策程序、对外包方的评价和管理、控制业务信息保密性和安全性的措施和应急计划等。消费金融公司签署业务外包协议前应当向银监会报告业务外包协议的主要风险及相应的风险规避措施等。消费金融公司不得将与贷款决策和风险控制核心技术密切相关的业务外包。Article 25 A consumer finance company shall, according to the relevant provisions of the Measures for the Information Disclosure of Commercial Banks, set up information disclosure rules to timely disclose its financial statements, management situations of various risks, corporate governance situations and annual major events. 第二十五条 消费金融公司应比照商业银行信息披露办法的相关规定，建立信息披露制度，及时披露公司财务会计报告、各类风险管理状况、公司治理、年度重大事项等信息。Article 26 A consumer finance company shall make and file the accounting statements and other statements specified by the CBRC with the CBRC as required. 第二十六条 消费金融公司应当按规定编制并向银监会报送会计报表及银监会要求的其他报表。Article 27 A consumer finance company shall set up a periodic external auditing system and, within 4 months upon the end of each accounting year, file the annual audit report signed by its legal representative with the CBRC. 第二十七条 消费金融公司应建立定期外部审计制度，并在每个会计年度结束后的4个月内，将经法定代表人签名确认的年度审计报告报送银监会。Article 28 Consumer finance companies shall accept the supervision and inspection of the CBRC, and may not refuse or impede the supervision and inspection of the CBRC.When necessary, the CBRC can appoint an accounting firm to audit a consumer finance companys operation status, financial status, risk situation and internal control system, and the implementation thereof. 第二十八条 消费金融公司应当接受银监会依法进行的监督检查，不得拒绝、阻碍。银监会在必要时可指定会计师事务所对消费金融公司的经营状况、财务状况、风险状况、内部控制制度及执行情况等进行审计。Article 29 Consumer finance companies shall be obliged to keep confidential the personal information provided by borrowers, and may not disclose such information without approval. 第二十九条 消费金融公司对借款人所提供的个人信息负有保密义务，不得随意对外泄露。Article 30 Where any borrower fails to repay the principal and interest of a loan according to the loan contract, the consumer finance company shall give payment advices by legal ways, and may not take such illegal means as threat, intimidation and harassment. 第三十条 借款人不按照合同约定归还贷款本息的，消费金融公司应采取合法的方式进行催收，不得采用威胁、恐吓、骚扰等不正当手段。Article 31 Where a consumer finance company violates these Measures, the CBRC can order it to rectify within a certain time limit. If it fails to do so or its act seriously endangers the stable operation of the company or damages any clients legitimate rights and interests, the CBRC can, in light of the actual situation, take such regulatory measures as suspending its business or restricting the rights of its shareholders according to the Banking Supervision Law of the Peoples Republic of China and other relevant laws and regulations. 第三十一条 消费金融公司违反本办法规定的，银监会可责令限期整改；逾期未整改的，或者其行为严重危及消费金融公司的稳健运行、损害客户合法权益的，银监会可区别情形，依照中华人民共和国银行业监督管理法等法律法规的规定，采取暂停业务、限制股东权利等监管措施。Article 32 Where a consumer finance company has had or may have a credit crisis and such crisis has seriously damaged or may seriously damage the legitimate rights and interests of clients, the CBRC can take it over or enforce a restructuring according to law. Where a consumer finance company runs business illegally or has poor management and not winding it up would seriously endanger the financial order and damage the public interests, the CBRC shall have the authority to wind it up. 第三十二条 消费金融公司已经或者可能发生信用危机、严重影响客户合