典当管理办法英文

典当管理办法英文一、总则（一）目的与宗旨本办法旨在规范典当行为，加强典当行业管理，保障典当当事人的合法权益，促进典当行业健康发展。英文表述为：ThisMeasuresaimstostandardizepawnbrokingactivities,strengthenthemanagementofthepawnbrokingindustry,protectthelegitimaterightsandinterestsofpawnbrokingparties,andpromotethehealthydevelopmentofthepawnbrokingindustry.（二）适用范围本办法适用于在中华人民共和国境内设立的典当行及其分支机构的设立、变更、终止以及经营活动。英文表述为：TheseMeasuresshallapplytotheestablishment,alteration,terminationandbusinessoperationsofpawnbrokersandtheirbranchofficesestablishedwithintheterritoryofthePeople'sRepublicofChina.（三）基本原则典当行应当依法经营，诚实守信，稳健运营，履行社会责任。英文表述为：Pawnbrokersshallconducttheirbusinessinaccordancewiththelaw,behonestandtrustworthy,operatesteadily,andfulfilltheirsocialresponsibilities.二、典当行的设立、变更与终止（一）设立条件1.有符合法律、法规规定的章程。英文表述为：Havearticlesofassociationthatcomplywithlawsandregulations.2.有符合规定的最低限额的注册资本。英文表述为：Havetheminimumregisteredcapitalasprescribed.3.有符合要求的营业场所和安全防范措施。英文表述为：Havebusinesspremisesandsecurityprecautionsthatmeettherequirements.4.有熟悉典当业务的经营管理人员及鉴定评估人员。英文表述为：Havebusinessmanagementpersonnelandappraisalandevaluationpersonnelwhoarefamiliarwithpawnbrokingbusiness.5.有两个以上法人股东，且法人股相对控股。英文表述为：Havemorethantwocorporateshareholders,andthecorporatesharesarerelativelycontrolling.6.符合国家对典当行统筹规划、合理布局的要求。英文表述为：Meettherequirementsofthestate'soverallplanningandrationaldistributionofpawnbrokers.（二）设立程序1.申请申请人应当向拟设典当行所在地设区的市（地）级商务主管部门提交申请材料。英文表述为：Theapplicantshallsubmitapplicationmaterialstothemunicipal(prefectural)levelcommercialadministrativedepartmentintheplacewherethepawnbrokertobeestablishedislocated.2.受理与初审商务主管部门应当自收到申请材料之日起5个工作日内作出是否受理的决定，决定受理的，应当自受理之日起10个工作日内完成初审。英文表述为：Thecommercialadministrativedepartmentshall,within5workingdaysfromthedateofreceiptoftheapplicationmaterials,makeadecisiononwhethertoaccepttheapplication.Ifitdecidestoaccepttheapplication,itshallcompletethepreliminaryexaminationwithin10workingdaysfromthedateofacceptance.3.审核与批准省级商务主管部门应当自收到初审意见之日起10个工作日内进行审核，作出是否批准的决定。英文表述为：Theprovinciallevelcommercialadministrativedepartmentshallconductareviewwithin10workingdaysfromthedateofreceiptofthepreliminaryexaminationopinionsandmakeadecisiononwhethertoapprove.4.发证与登记经批准设立的典当行，由省级商务主管部门颁发《典当经营许可证》，并在10日内向同级公安机关申请典当行《特种行业许可证》，再到工商行政管理部门办理登记注册手续。英文表述为：Forapawnbrokerapprovedtobeestablished,theprovinciallevelcommercialadministrativedepartmentshallissuea"PawnbrokingBusinessLicense",andapplytothepublicsecurityorganatthesamelevelfora"SpecialTradeLicense"forthepawnbrokerwithin10days,andthengothroughtheregistrationandregistrationprocedureswiththeadministrativedepartmentforindustryandcommerce.（三）变更典当行变更名称、住所、法定代表人、注册资本、股东等事项，应当经省级商务主管部门批准，并依法向工商行政管理部门办理变更登记。英文表述为：Whenapawnbrokerchangesitsname,domicile,legalrepresentative,registeredcapital,shareholdersandothermatters,itshallbeapprovedbytheprovinciallevelcommercialadministrativedepartmentandgothroughthechangeregistrationwiththeadministrativedepartmentforindustryandcommerceinaccordancewiththelaw.（四）终止典当行终止经营的，应当提前3个月向省级商务主管部门提出申请，经批准后，清理债权债务，依法办理注销登记。英文表述为：Whenapawnbrokerterminatesitsbusinessoperation,itshallsubmitanapplicationtotheprovinciallevelcommercialadministrativedepartment3monthsinadvance.Afterapproval,itshallliquidateitscreditor'srightsanddebtsandgothroughthecancellationregistrationinaccordancewiththelaw.三、经营范围（一）动产质押典当业务英文表述为：Businessofpawnbrokingwithmovablepropertypledged.（二）财产权利质押典当业务英文表述为：Businessofpawnbrokingwithpropertyrightspledged.（三）房地产（外省、自治区、直辖市的房地产或者未取得商品房预售许可证的在建工程除外）抵押典当业务英文表述为：Businessofpawnbrokingwithrealestatemortgaged(exceptforrealestateinotherprovinces,autonomousregions,andmunicipalitiesdirectlyundertheCentralGovernmentorunderconstructionprojectswithoutapresalepermitforcommercialhousing).（四）限额内绝当物品的变卖英文表述为：Saleofpawneditemsthathavereachedthelimitofnonredemption.（五）鉴定评估及咨询服务英文表述为：Appraisalandevaluationandconsultingservices.（六）商务部依法批准的其他典当业务英文表述为：OtherpawnbrokingbusinessapprovedbytheMinistryofCommerceinaccordancewiththelaw.四、当票（一）当票的性质与作用当票是典当行与当户之间的借贷契约，是典当行向当户支付当金的付款凭证。英文表述为：Thepawnticketisaloancontractbetweenthepawnbrokerandthepawner,anditisapaymentvoucherforthepawnbrokertopaythepawnmoneytothepawner.（二）当票的内容当票应当载明典当行机构名称、住所、联系电话、当户姓名（名称）、住址、有效身份证件名称及号码、当物名称、数量、质量、状况、估价金额、当金数额、期限、利率、综合费用、续当期限、赎当期限、绝当条件等事项。英文表述为：Thepawnticketshallstatethenameofthepawnbroker'sinstitution,domicile,contacttelephonenumber,name(title)ofthepawner,address,nameandnumberofthevalididentitydocument,nameofthepawneditem,quantity,quality,condition,appraisedamount,pawnmoneyamount,term,interestrate,comprehensivefees,renewalterm,redemptionterm,conditionsfornonredemption,etc.（三）当票的使用与管理典当行和当户应当按照当票约定履行义务，当票遗失，当户应当及时向典当行办理挂失手续。英文表述为：Thepawnbrokerandthepawnershallperformtheirobligationsinaccordancewiththeagreementonthepawnticket.Ifthepawnticketislost,thepawnershallpromptlygothroughthelossreportingprocedureswiththepawnbroker.五、业务规则（一）收当规则1.典当行收当国家统收、专营、专卖物品，须经有关部门批准。英文表述为：Whenapawnbrokeracceptspawneditemsthataresubjecttounifiedpurchase,exclusiveoperation,andmonopolisticsalebythestate,itmustbeapprovedbytherelevantdepartments.2.典当行不得收当下列财物：依法被查封、扣押或者已经被采取其他保全措施的财产；赃物和来源不明的物品；易燃、易爆、剧毒、放射性物品及其容器；管制刀具，枪支、弹药，军、警用标志、制式服装和器械；国家机关公文、印章及其管理的财物；国家禁止流通的物品；依法应当上缴的财物；其他不允许典当的财物。英文表述为：Apawnbrokershallnotacceptthefollowingpropertyaspawneditems:propertythathasbeensealedup,seizedorotherwisesubjecttopreservationmeasuresinaccordancewiththelaw;stolengoodsanditemsofunknownorigin;flammable,explosive,highlytoxic,radioactiveitemsandtheircontainers;controlledknives,firearms,ammunition,militaryandpolicesigns,standarduniformsandequipment;officialdocuments,sealsofstateorgansandthepropertyundertheirmanagement;itemsprohibitedfromcirculationbythestate;propertythatshouldbeturnedoverinaccordancewiththelaw;andotherpropertynotallowedtobepawned.（二）续当与赎当规则1.续当应当在原当票上注明，双方另行签订续当合同的除外。英文表述为：Forrenewalofthepawn,itshallbenotedontheoriginalpawnticket,exceptwhenthetwopartiesenterintoaseparaterenewalcontract.2.当户于典当期限或者续当期限届满至绝当前赎当的，除须偿还当金本息、综合费用外，还应当根据中国人民银行规定的银行等金融机构逾期贷款罚息水平、典当行制定的费用标准和逾期天数，补交当金利息和有关费用。英文表述为：Whenthepawnerredeemsthepawnbeforetheexpirationofthepawntermorrenewaltermuntilnonredemption,inadditiontorepayingtheprincipalandinterestofthepawnmoneyandcomprehensivefees,thepawnershallalsopayadditionalpawnmoneyinterestandrelevantfeesaccordingtotheoverdueloanpenaltyinterestratelevelofbanksandotherfinancialinstitutionsstipulatedbythePeople'sBankofChina,thefeestandardssetbythepawnbrokerandthenumberofoverduedays.（三）绝当处理规则1.当物估价金额在3万元以上的，可以按照《中华人民共和国担保法》的有关规定处理，也可以双方事先约定绝当后由典当行委托拍卖行公开拍卖。英文表述为：Forpawneditemswithanappraisedamountofmorethan30,000yuan,theymaybehandledinaccordancewiththerelevantprovisionsofthe"GuaranteeLawofthePeople'sRepublicofChina",orthetwopartiesmayagreeinadvancethatafternonredemption,thepawnbrokershallentrustanauctionhousetoconductanopenauction.2.绝当物估价金额不足3万元的，典当行可以自行变卖或者折价处理，损溢自负。英文表述为：Forpawneditemswithanappraisedamountoflessthan30,000yuan,thepawnbrokermaysellthembyitselfordisposeofthematadiscount,andshallbearthelossesandgainsonitsown.3.对国家限制流通的绝当物，应当根据有关法律、法规，报有关管理部门批准后处理或者交售指定单位。英文表述为：Forpawneditemssubjecttorestrictedcirculationbythestate,theyshallbehandledorsoldtothedesignatedunitafterapprovalbytherelevantadministrativedepartmentsinaccordancewithrelevantlawsandregulations.六、监督管理（一）监管部门职责商务主管部门对典当行及其分支机构的经营活动进行监督管理，公安机关对典当行进行治安管理，工商行政管理部门对典当行进行登记注册和监督管理。英文表述为：Thecommercialadministrativedepartmentshallsuperviseandmanagethebusinessoperationsofpawnbrokersandtheirbranchoffices.Thepublicsecurityorganshallconductpublicsecuritymanagementofpawnbrokers.Theadministrativedepartmentforindustryandcommerceshallconductregistrationandsupervisionandmanagementofpawnbrokers.（二）年度检查典当行应当按照商务主管部门的要求，于每年的1月1日至3月31日提交上一年度的经营情况报告和有关材料，接受年度检查。英文表述为：PawnbrokersshallsubmitthebusinessoperationreportsandrelevantmaterialsofthepreviousyearfromJanuary1toMarch31ofeachyearinaccordancewiththerequirementsofthecommercialadministrativedepartmentandaccepttheannualinspection.（三）信息披露典当行应当按照国家有关规定，真实、准确、完整地披露经营信息，不得隐瞒、虚假陈述或者拒绝披露。英文表述为：Pawnbrokersshalldisclosetheirbusinessinformationtruthfully,accuratelyandcompletelyinaccordancewithrelevantstateregulations,andshallnotconceal,makefalsestatementsorrefusetodisclose.七、罚则（一）违法违规行为典当行有下列情形之一的，由商务主管部门责令改正，并处5000元以上3万元以下罚款；构成犯罪的，依法追究刑事责任：未经批准擅自设立典当行或者分支机构的；骗取审批文件、许可证或者其他批准文件的；伪造、变造、买卖、出租、出借典当经营许可证或者分支机构营业执照的；超出核定经营范围经营的；收当限制流通物或者处理绝当物未按规定进行的；其他违反本办法的行为。英文表述为：Ifapawnbrokerhasanyofthefollowingcircumstances,thecommercialadministrativedepartmentshallorderittomakecorrectionsandimposeafineofnotlessth