汽车贷款管理办法_法律英语

汽车贷款管理办法

文章来源：文章作者：发布时间：2007-07-02 02:46 字体： [大中小]　进入论坛

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中国人民银行、中国银行业监督管理委员会令[2004]第2号

（Promulgated¹ by the People‘s Bank of China and the China Banking² Regulatory Commission on 16 August 2004 and effective as of 1 October 2004.）

颁布日期：20040816 　实施日期：20041001 　颁布单位：中国人民银行、中国银行业监督管理委员会

　　PART ONE　GENERAL PROVISIONS

　　Article 1　These Procedures are formulated⁴ in accordance with the provisions of laws such as the PRC， People‘s Bank of China Law， the PRC， Commercial Banking Law and the PRC， Banking Regulation Law in order to standardize⁵ the administration of the automotive loan business， to safeguard against automotive loan risks and to promote the healthy development of automotive loan business.

　　Article 2　For the purposes of these Procedures， the term “automotive loans” shall refer to loans granted by lenders to borrowers used for the purpose of purchasing automobiles⁷ （including second-hand⁸ automobiles）， which include individual automotive loans， automotive loans to dealers¹⁰， and automotive loans to institutions.

　　Article 3　For the purposes of these Procedures， the term “lenders” shall refer to commercial banks， urban and rural credit cooperatives， and non-banking financial institutions approved to engage in automotive loan business， which are established in the People‘s Republic of China according to law and approved by the China Banking Regulatory Commission and its agencies to conduct Renminbi loan business.

　　Article 4　For the purposes of these Procedures， the term “automobiles for self use” shall refer to automobiles purchased by a borrower with an automotive loan and not for profit-making purposes. “Automobiles for commercial use” shall refer to automobiles purchased by a borrower with an automotive loan for profit-making purposes. “Second-hand automobiles” shall refer to automobiles for which change of ownership has been carried out and the procedures for the transfer have been handled according to law within the period between the completion of automobile⁶ registration¹¹ procedures and one year before the automobile is required to be scrapped¹².

　　Article 5　The interest rate on automotive loans shall be implemented¹³ in accordance with the provisions on loan interest rate promulgated by the People‘s Bank of China. The methods for calculation and settlement of interest shall be determined¹⁴ by the borrower and the lender through consultation¹⁵.

　　Article 6　The term of automotive loans （including extensions） shall not exceed five years. The term of automotive loans for second-hand automobiles （including extensions） shall not exceed three years. The term of automotive loans to dealers shall not exceed one year.

　　Article 7　Both lenders and borrowers shall abide¹⁶ by the principles of equality， voluntariness， honesty and trustworthiness.

　　PART TWO　INDIVIDUAL AUTOMOTIVE LOANS

　　Article 8　For the purposes of these Procedures， the term “individual automotive loans” shall refer to loans granted by lenders to individual borrowers for the purpose of purchasing automobiles.

　　Article 9　When applying for an individual automotive loan， the borrower shall fulfil all the following criteria¹⁷：

　　1. being a citizen of the People‘s Republic of China， or a Hong Kong， Macao or Taiwan resident or foreigner that has resided in the People’s Republic of China continuously for at least one year （including one year）；

　　2. having a valid¹⁸ proof of identity， a permanent and detailed¹⁹ residential²⁰ address， and full capacity for civil acts；

　　3. having a stable and legal income or sufficient personal legal assets to repay the principal and interest of the loan；

　　4. having a good personal credit standing²¹；

　　5. being able to pay for the first instalment as stipulated²² herein； and

　　6. other criteria required by the lender.

　　Article 10　When granting an individual automotive loan， the lender shall take into account the following criteria comprehensively in determining the amount， term， interest rate， and methods of repayment²³ of principal and payment of interest of the loan：

　　1. the credit rating of the borrower as evaluated by the lender；

　　2. the loan guarantee；

　　3. the performance and purpose of the automobile purchased； and

　　4. the development of the automobile industry and the supply and demand in the automobile market.

　　Article 11　The lender shall establish a file on the borrower‘s credit. Such file shall state clearly the following details：

　　1. the borrower‘s name， residential address， valid proof of identity and valid correspondence methods；

　　2. proof of income and creditworthiness of the borrower；

　　3. the purchase agreement， model， engine number， chassis²⁴ number， price and purpose of the automobile purchased；

　　4. the amount， term， interest rate and method of repayment of， and guarantee for， the loan；

　　5. record of the calling in of the loan； and

　　6. other information required to safeguard against loan risks.

　　Article 12　Lenders that grant individual loans for automobiles for commercial use shall， in addition to the details stipulated in Article 11 hereof， add information in the borrower‘s credit file such as details of the annual inspection²⁵ of operation qualifications for automobiles for commercial use， depreciation²⁶ of automobiles for commercial use， and insurance.

　　PART THREE　AUTOMOTIVE LOANS TO DEALERS

　　Article 13　For the purposes of these Procedures， the term “automotive loans to dealers” shall refer to loans granted by lenders to automobile dealers for the purpose of purchasing vehicles and （or） parts and components²⁷.

　　Article 14　A borrower applying for an automotive loan to dealer⁹ shall fulfil all the following criteria：

　　1. having an enterprise legal person business licence and annual inspection certificate issued by the department in charge of industry and commerce；

　　2. having an automobile sales agency certificate issued by the automobile manufacturer；

　　3. the asset/liability ratio shall not exceed 80%；

　　4. having a stable and legal income or sufficient legal assets for repayment of the principal and interest of the loan；

　　5. the dealer， the senior management personnel of the dealer and the customers for whom the dealer handles the loan application on their behalf have no major violation²⁸ of the agreement nor a bad credit record； and

　　6. other criteria as required by the lender.

　　Article 15　The lender shall establish an independent credit file for each dealer， and shall update such file in a timely manner. Such file shall state clearly the following details：

　　1. the name， legal representative and business address of the dealer；

　　2. photocopies²⁹ of all types of business licences；

　　3. the purchase of insurance， business credit and financial status of the dealer；

　　4. loan card （number） issued by the People‘s Bank of China；

　　5. the models， prices and purposes of the automobiles and the parts and components purchased；

　　6. the loan guarantee； and

　　7. other information required to safeguard against loan risks.

　　Article 16　The amount of the loan granted by the lender for purchase of vehicles and （or） parts and components to a dealer shall be based on the average inventory³⁰ held over a period by the dealer. The specific period shall be decided³¹ on the basis of inventory turnover³².

　　Article 17　The lender shall regularly carry out credit examination on the dealer by way of regular taking of the inventory of vehicles and （or） parts and components of the dealer， and analysis of the financial reports of the dealer， and shall adjust the credit rating of the dealer and the frequency of inventory taking on the basis of the results of the examination.

　　PART FOUR　AUTOMOTIVE LOANS TO INSTITUTIONS

　　Article 18　For the purposes of these Procedures， the term “automotive loans to institutions” shall refer to loans granted by lenders to legal persons and other economic organizations （Institutional Borrowers） other than dealers for purchasing automobiles.

　　Article 19　A borrower applying for an automotive loan to an institution shall fulfil all the following criteria：

　　1. having legal documents such as an enterprise legal person business licence or an institution legal person certificate issued by the enterprises or institution registration and administration authority that prove that the borrower has legal person status；

　　2. having a legal and stable income or sufficient legal assets to repay the principal and interest of the loan；

　　3. being able to pay for the first instalment as stipulated herein；

　　4. have no major violation of the agreement nor a bad credit record； and

　　5. other criteria required by the lender.

　　Article 20　The lender shall， in accordance with Article 15 hereof， establish an independent credit file for each Institutional Borrower， and shall strengthen the tracking and monitoring of credit risks.

　　Article 21　When granting loans for automobiles for commercial use to institutions that engage in automobile leasing business， the lender shall monitor the borrower‘s appraisal³³ method of residual³⁴ value to safeguard against the risks to the lender arising from overestimation³⁵ of residual value.

　　PART FIVE　RISK MANAGEMENT

　　Article 22　The amount of loans issued by the lender for automobiles for self use shall not exceed 80% of the price of the automobile purchased by the borrower. Loans for automobiles for commercial use shall not exceed 70% of the price of the automobile purchased by the borrower. Loans for second-hand automobiles shall not exceed 50% of the price of the automobile purchased by the borrower.

　　For the purposes of the preceding paragraph， “the price of the automobile” shall， in the case of new vehicles， be the actual transaction price （excluding all types of surtaxes， surcharges and insurance premiums³⁶， etc.） of the automobile or the price announced by the automobile manufacturer， whichever is lower； in the case of second-hand automobiles， it shall be the actual transaction price （excluding all types of surtaxes， surcharges and insurance premiums， etc.） of the automobile or the price assessed by the lender， whichever is lower.

　　Article 23　Lenders shall establish a credit rating system for borrowers and prudentially determine the credit rating of borrowers. In the case of individual borrowers， the credit rating shall be determined on the basis of factors such as the profession， income， repayment ability and credit record of the borrower. In the case of dealers and Institutional Borrowers， the credit rating shall be determined on the basis of factors such as the status reflected in the credit file of the borrower， the creditworthiness of the senior management personnel， the financial status and the credit record.

　　Article 24　When granting automotive loans， the lender shall require the borrower to provide collateral³⁷ or other valid guarantees for the automobile purchased.

　　Article 25　Lenders shall accept applications for automotive loans either directly or through the appointment of designated dealers， improve the system of separation of examination and granting of loans， and shall strengthen investigation³⁸ prior to， and tracking and calling in after， granting a loan.

　　Article 26　Lenders shall set up a database for information of the second-hand automobile market and a system for appraisal of the residual value of second-hand automobiles.

　　Article 27　Lenders shall establish a system for monitoring the classification of automotive loans based on factors such as the amount of loans， the regional distribution of loans granted， the financial status of borrowers， the brand of the automobiles， and collaterals³⁹ and guarantees， and shall carry out regular inspection and assessment⁴⁰ of risks for different types of automotive loans. It shall adjust the risk rating of various types of automotive loans in a timely manner on the basis of the inspection and assessment results.

　　Article 28　Lenders shall establish an early warning， monitoring and analysis system for automotive loans and formulate³ early warning standards. If the early warning standards are exceeded， measures such as re-evaluation of the loan examination and approval system shall be adopted.

　　Article 29　Lenders shall establish a system for classification and handling of bad loans and a prudential loan loss provisioning system， and calculate and set the corresponding reserves for risks.

　　Article 30　When granting mortgage loans， the lender shall prudentially assess the value of the collateral， take full account of the risks of reduction in the value of the collateral， and set an upper limit for the mortgage rate.

　　Article 31　The lender shall record in a timely manner information related to automotive loans in the credit registration and enquiry system， and shall establish a system for information exchange with other lenders.

　　PART SIX　SUPPLEMENTARY⁴¹ PROVISIONS

　　Article 32　If， in the course of conducting automotive loan business， a lender commits acts in violation of the provisions hereof， the China Banking Regulatory Commission and its agencies shall have the power to impose penalty on such lender and the related personnel in accordance with the provisions of laws such as the PRC， Banking Regulation Law. The People‘s Bank of China and its branches may propose supervision⁴² and inspection by the China Banking Regulatory Commission and its agencies on lenders engaging in automotive loan business that are in violation of provisions.

　　Article 33　Loans granted by lenders to borrowers for the purchase of construction vehicles such as bulldozers， excavators， mixers and pumps shall be handled in accordance with these Procedures.

　　Article 34　The People‘s Bank of China and the China Banking Regulatory Commission shall be jointly⁴³ responsible for interpreting these Procedures.

　　Article 35　These Procedures shall be effective as of 1 October 2004. The Administration of Automotive Consumer Loans Procedures issued by the People‘s Bank of China in 1998 shall be repealed⁴⁴ as of the date of promulgation⁴⁵ of these Procedures.

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收听单词发音

1 promulgated
v.宣扬（某事物）( promulgate的过去式和过去分词 )；传播；公布；颁布（法令、新法律等）
参考例句：
Hence China has promulgated more than 30 relevant laws, statutes and regulations. 中国为此颁布的法律、法规和规章多达３０余项。来自汉英非文学 - 白皮书 The shipping industry promulgated a voluntary code. 航运业对自律守则进行了宣传。来自辞典例句

2 banking
n.银行业，银行学，金融业
参考例句：
John is launching his son on a career in banking.约翰打算让儿子在银行界谋一个新职位。 He possesses an extensive knowledge of banking.他具有广博的银行业务知识。

3 formulate
v.用公式表示；规划；设计；系统地阐述
参考例句：
He took care to formulate his reply very clearly.他字斟句酌，清楚地做了回答。 I was impressed by the way he could formulate his ideas.他陈述观点的方式让我印象深刻。

4 formulated
v.构想出( formulate的过去式和过去分词 )；规划；确切地阐述；用公式表示
参考例句：
He claims that the writer never consciously formulated his own theoretical position. 他声称该作家从未有意识地阐明他自己的理论见解。来自《简明英汉词典》 This idea can be formulated in two different ways. 这个意思可以有两种说法。来自《现代汉英综合大词典》

5 standardize
v.使符合标准，使标准化
参考例句：
We will extend and standardize legal services and provide effective legal aid.拓展和规范法律服务，积极开展法律援助。 There is a drive both to standardise components and to reduce the number of models on offer.正在为实现零部件标准化和减少推出的型号数量而努力。

6 automobile
n.汽车，机动车
参考例句：
He is repairing the brake lever of an automobile.他正在修理汽车的刹车杆。 The automobile slowed down to go around the curves in the road.汽车在路上转弯时放慢了速度。

7 automobiles
n.汽车( automobile的名词复数 )
参考例句：
When automobiles become popular,the use of the horse and buggy passed away. 汽车普及后，就不再使用马和马车了。来自《简明英汉词典》 Automobiles speed in an endless stream along the boulevard. 宽阔的林荫道上，汽车川流不息。来自《现代汉英综合大词典》

8 second-hand
adj.用过的，旧的，二手的
参考例句：
I got this book by chance at a second-hand bookshop.我赶巧在一家旧书店里买到这本书。 They will put all these second-hand goods up for sale.他们将把这些旧货全部公开出售。

9 dealer
n.商人，贩子
参考例句：
The dealer spent hours bargaining for the painting.那个商人为购买那幅画花了几个小时讨价还价。 The dealer reduced the price for cash down.这家商店对付现金的人减价优惠。

10 dealers
n.商人( dealer的名词复数 )；贩毒者；毒品贩子；发牌者
参考例句：
There was fast bidding between private collectors and dealers. 私人收藏家和交易商急速竞相喊价。 The police were corrupt and were operating in collusion with the drug dealers. 警察腐败，与那伙毒品贩子内外勾结。

11 registration
n.登记，注册，挂号
参考例句：
Marriage without registration is not recognized by law.法律不承认未登记的婚姻。 What's your registration number?你挂的是几号？

12 scrapped
废弃(scrap的过去式与过去分词)；打架
参考例句：
This machine is so old that it will soon have to be scrapped. 这架机器太旧，快报废了。 It had been thought that passport controls would be scrapped. 人们曾认为会放开护照管制。

13 implemented
v.实现( implement的过去式和过去分词 )；执行；贯彻；使生效
参考例句：
This agreement, if not implemented, is a mere scrap of paper. 这个协定如不执行只不过是一纸空文。来自《现代汉英综合大词典》 The economy is in danger of collapse unless far-reaching reforms are implemented. 如果不实施影响深远的改革，经济就面临崩溃的危险。来自辞典例句

14 determined
adj.坚定的；有决心的
参考例句：
I have determined on going to Tibet after graduation.我已决定毕业后去西藏。 He determined to view the rooms behind the office.他决定查看一下办公室后面的房间。

15 consultation
n.咨询；商量；商议；会议
参考例句：
The company has promised wide consultation on its expansion plans.该公司允诺就其扩展计划广泛征求意见。 The scheme was developed in close consultation with the local community.该计划是在同当地社区密切磋商中逐渐形成的。

16 abide
vi.遵守；坚持；vt.忍受
参考例句：
You must abide by the results of your mistakes.你必须承担你的错误所造成的后果。 If you join the club,you have to abide by its rules.如果你参加俱乐部，你就得遵守它的规章。

17 criteria
n.标准
参考例句：
The main criterion is value for money.主要的标准是钱要用得划算。 There are strict criteria for inclusion in the competition.参赛的标准很严格。

18 valid
adj.有确实根据的；有效的；正当的，合法的
参考例句：
His claim to own the house is valid.他主张对此屋的所有权有效。 Do you have valid reasons for your absence?你的缺席有正当理由吗？

19 detailed
adj.详细的，详尽的，极注意细节的，完全的
参考例句：
He had made a detailed study of the terrain.他对地形作了缜密的研究。 A detailed list of our publications is available on request.我们的出版物有一份详细的目录备索。

20 residential
adj.提供住宿的；居住的；住宅的
参考例句：
The mayor inspected the residential section of the city.市长视察了该市的住宅区。 The residential blocks were integrated with the rest of the college.住宿区与学院其他部分结合在了一起。

21 standing
n.持续，地位；adj.永久的，不动的，直立的，不流动的
参考例句：
After the earthquake only a few houses were left standing.地震过后只有几幢房屋还立着。 They're standing out against any change in the law.他们坚决反对对法律做任何修改。

22 stipulated
vt.& vi.规定；约定adj.[法]合同规定的
参考例句：
A delivery date is stipulated in the contract. 合同中规定了交货日期。 Yes, I think that's what we stipulated. 对呀，我想那是我们所订定的。来自辞典例句

23 repayment
n.偿还，偿还款；报酬
参考例句：
I am entitled to a repayment for the damaged goods.我有权利索取货物损坏赔偿金。 The tax authorities have been harrying her for repayment.税务局一直在催她补交税款。

24 chassis
n.汽车等之底盘；（飞机的）起落架；炮底架
参考例句：
The new parts may include the sheet metal,the transmission,or the chassis.新部件可能包括钢壳，变速器或底盘。 Can chassis and whole-vehicle manufacturers co-exist peacefully?底盘企业和整车企业能相安无事吗？

25 inspection
n.检查，审查，检阅
参考例句：
On random inspection the meat was found to be bad.经抽查，发现肉变质了。 The soldiers lined up for their daily inspection by their officers.士兵们列队接受军官的日常检阅。

26 depreciation
n.价值低落，贬值，蔑视，贬低
参考例句：
She can't bear the depreciation of the enemy.她受不了敌人的蹂躏。 They wrote off 500 for depreciation of machinery.他们注销了500镑作为机器折旧费。

27 components
（机器、设备等的）构成要素，零件，成分；成分( component的名词复数 )； [物理化学]组分； [数学]分量；（混合物的）组成部分
参考例句：
the components of a machine 机器部件 Our chemistry teacher often reduces a compound to its components in lab. 在实验室中化学老师常把化合物分解为各种成分。

28 violation
n.违反(行为)，违背(行为)，侵犯
参考例句：
He roared that was a violation of the rules.他大声说，那是违反规则的。 He was fined 200 dollars for violation of traffic regulation.他因违反交通规则被罚款200美元。

29 photocopies
n.影印本( photocopy的名词复数 )；复印件
参考例句：
Make as many photocopies as you need. 你需要多少复印件就复印多少吧。 I made two photocopies of the report. 我把这份报告影印了两份。来自《简明英汉词典》

30 inventory
n.详细目录，存货清单
参考例句：
Some stores inventory their stock once a week.有些商店每周清点存货一次。 We will need to call on our supplier to get more inventory.我们必须请供应商送来更多存货。

31 decided
adj.决定了的，坚决的；明显的，明确的
参考例句：
This gave them a decided advantage over their opponents.这使他们比对手具有明显的优势。 There is a decided difference between British and Chinese way of greeting.英国人和中国人打招呼的方式有很明显的区别。

32 turnover
n.人员流动率，人事变动率；营业额，成交量
参考例句：
The store greatly reduced the prices to make a quick turnover.这家商店实行大减价以迅速周转资金。 Our turnover actually increased last year.去年我们的营业额竟然增加了。

33 appraisal
n.对…作出的评价；评价，鉴定，评估
参考例句：
What's your appraisal of the situation?你对局势是如何评估的？ We need to make a proper appraisal of his work.对于他的工作我们需要做出适当的评价。

34 residual
adj.复播复映追加时间；存留下来的，剩余的
参考例句：
There are still a few residual problems with the computer program.电脑程序还有一些残留问题。 The resulting residual chromatism is known as secondary spectrum.所得到的剩余色差叫做二次光谱。

35 overestimation
[经] 过高的估计
参考例句：
Oppose overestimation of the enemy's strength. 反对对敌人的力量估计过高。

36 premiums
n.费用( premium的名词复数 )；保险费；额外费用；（商品定价、贷款利息等以外的）加价
参考例句：
He paid premiums on his life insurance last year. 他去年付了人寿保险费。来自《现代英汉综合大词典》 Moves are afoot to increase car insurance premiums. 现正在酝酿提高汽车的保险费。来自《简明英汉词典》

37 collateral
adj.平行的；旁系的；n.担保品
参考例句：
Many people use personal assets as collateral for small business loans.很多人把个人财产用作小额商业贷款的抵押品。 Most people here cannot borrow from banks because they lack collateral.由于拿不出东西作为抵押，这里大部分人无法从银行贷款。

38 investigation
n.调查，调查研究
参考例句：
In an investigation,a new fact became known, which told against him.在调查中新发现了一件对他不利的事实。 He drew the conclusion by building on his own investigation.他根据自己的调查研究作出结论。

39 collaterals
n.附属担保品( collateral的名词复数 )
参考例句：
From the pulse condition of his collaterals, he is very well. 根据络脉的脉象来看，他身体很好。来自互联网 Our specialist offers traditional Chinese massage to relax your channels and collaterals. 专家门诊，传统手法推拿、按摩，舒展经络。来自互联网

40 assessment
n.评价；评估；对财产的估价，被估定的金额
参考例句：
This is a very perceptive assessment of the situation.这是一个对该情况的极富洞察力的评价。 What is your assessment of the situation?你对时局的看法如何？

41 supplementary
adj.补充的，附加的
参考例句：
There is a supplementary water supply in case the rain supply fails.万一主水源断了，我们另外有供水的地方。 A supplementary volume has been published containing the index.附有索引的增补卷已经出版。

42 supervision
n.监督，管理
参考例句：
The work was done under my supervision.这项工作是在我的监督之下完成的。 The old man's will was executed under the personal supervision of the lawyer.老人的遗嘱是在律师的亲自监督下执行的。

43 jointly
ad.联合地，共同地
参考例句：
Tenants are jointly and severally liable for payment of the rent. 租金由承租人共同且分别承担。 She owns the house jointly with her husband. 她和丈夫共同拥有这所房子。

44 repealed
撤销，废除( repeal的过去式和过去分词 )
参考例句：
The Labour Party repealed the Act. 工党废除了那项法令。 The legislature repealed the unpopular Rent Act. 立法机关废除了不得人心的租借法案。

45 promulgation
n.颁布
参考例句：
The new law comes into force from the day of its promulgation. 新法律自公布之日起生效。来自《简明英汉词典》 Article 118 These Regulations shall come into effect from the day of their promulgation. 第一百一十八条本条例自公布之日起实施。来自经济法规部分

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