汽车金融公司管理办法(中英)_法律英语

汽车金融公司管理办法(中英)

文章来源：文章作者：发布时间：2007-07-24 01:05 字体： [大中小]　进入论坛

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中国银行业监督管理委员会令（2003年第4号）

　　《汽车金融公司管理办法》已经国务院批准，现予以印发施行。

　　主席：刘明康

　　二OO三年十月三日

　　汽车金融公司管理办法

　　第一章总则

　　第一条为适应汽车金融服务业发展的需要，规范经营汽车金融业务的非银行金融机构的行为，依据有关法律、行政法规，制定本办法。

　　第二条本办法所称汽车金融公司，是指经中国银行业监督管理委员会依据有关法律、行政法规和本办法规定批准设立的，为中国境内的汽车购买者及销售者提供贷款的非银行金融企业法人。

　　第三条中国银行业监督管理委员会负责对汽车金融公司的监督管理。

　　第二章机构的设立、变更与终止

　　第四条设立汽车金融公司应当经中国银行业监督管理委员会批准。

　　未经中国银行业监督管理委员会批准，任何单位和个人不得擅自设立汽车金融公司或者变相从事汽车金融业务,不得在机构名称中擅自使用“汽车金融”、“汽车信贷”等表明从事汽车金融业务的字样。

　　第五条出资设立汽车金融公司，出资人应具备下列条件：

　　（一）中国境内外依法设立的企业法人。

　　非金融机构，其最近一年的总资产不低于40亿元人民币或等值的自由兑换货币，年营业收入不低于20亿元人民币或等值的自由兑换货币；

　　非银行金融机构，其注册资本不低于3亿元人民币或等值的自由兑换货币。

　　（二）经营业绩良好，最近3年连续盈利。

　　（三）遵守注册所在地法律，无违法、犯罪行为。

　　（四）主要出资人须为汽车企业、非银行金融机构。

　　汽车企业是指生产或销售汽车整车的企业。

　　主要出资人是指出资数额最多且出资额不得低于拟设汽车金融公司全部股本30%的出资人。

　　（五）同一企业法人不得投资一个以上的汽车金融公司。

　　（六）中国银行业监督管理委员会规定的其他审慎性条件。

　　第六条设立的汽车金融公司，应当具备下列条件:

　　（一）具有符合本办法要求的最低注册资本。

　　（二）具有符合《中华人民共和国公司法》等相关法律和本办法要求的章程。

　　（三）具有熟悉汽车融资及相关业务的高级管理人员。

　　（四）具有健全的组织机构、管理制度和风险控制制度。

　　（五）具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。

　　（六）中国银行业监督管理委员会规定的其他条件。

　　第七条汽车金融公司注册资本的最低限额为 5亿元人民币或等值的自由兑换货币。注册资本为实缴货币资本。

　　中国银行业监督管理委员会根据汽车金融业务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，但不得少于前款规定的限额。

　　第八条汽车金融公司的设立须经过筹建和开业两个阶段。申请人提交的申请筹建、申请开业的资料，应以中文书写为准。

　　第九条申请筹建汽车金融公司，应由主要出资人作为申请人向中国银行业监督管理委员会提交下列资料:

　　(一) 筹建申请书。其内容应包括拟设汽车金融公司名称、公司注册所在地、注册资本金，出资人及各自的出资额、业务范围等。

　　(二) 设立汽车金融公司的可行性研究报告。其内容包括对拟设公司的市场前景分析、未来业务发展规划、组织管理架构和风险控制能力分析、公司开业后3年的资产负债规模和盈利预测等内容。

　　(三) 拟设立汽车金融公司的章程（草案）。

　　(四) 出资人基本情况，包括出资人名称、法定代表人、注册地址、营业执照复印件、经营情况等。

　　(五)出资人最近3年经法定机构审计的资产负债表、损益表和现金流量表。

　　(六) 筹建负责人名单及简历。

　　(七) 中国银行业监督管理委员会要求提交的其他文件。

　　申请人为外国非银行金融机构的，申请筹建时应提供其注册地金融监管当局出具的书面意见。申请人为非金融机构的，申请筹建时应提供评级机构对申请人最近1年的信用评级报告。

　　第十条中国银行业监督管理委员会自收到完整的筹建申请资料之日起6个月内作出是否批准筹建的书面答复。

　　第十一条申请人应当自接到中国银行业监督管理委员会批准筹建文件之日起6个月内完成筹建工作。有正当理由需要延长筹建期限的，应当在筹建期限届满前书面向中国银行业监督管理委员会提出申请，经批准可以延长3个月。

　　筹建期限届满或延长期限届满，申请人未提出开业申请的，原筹建批准决定自动失效。

　　筹建期内不得以汽车金融公司名义从事经营活动。

　　第十二条申请人应当在筹建期限届满前或延长期限届满前，向中国银行业监督管理委员会提出开业申请，并提交下列文件、资料:

　　(一) 筹建工作完成情况报告和申请开业报告。

　　(二) 中国法定验资机构出具的验资证明、工商行政管理机关出具的对拟设机构名称的预核准登记书。

　　(三) 汽车金融公司章程。

　　(四) 拟任高级管理人员的名单、详细履历。

　　(五) 股东名称及其出资额。

　　(六) 拟办业务的规章制度及内部风险控制制度。

　　(七) 有权部门出具的营业场所及其他与业务有关设施安全验收合格文件。

　　(八) 中国银行业监督管理委员会要求的其他文件。

　　第十三条中国银行业监督管理委员会自收到完整的开业申请文件、资料之日起3个月内作出核准开业或不核准开业的决定。决定核准开业的，书面通知申请人，颁发经营金融业务许可证，核准其业务范围。不予核准开业的，应书面通知申请人并说明理由。

　　申请人凭该许可证到工商行政管理部门办理注册登记，领取《企业法人营业执照》后方可营业。

　　汽车金融公司自领取营业执照之日起，无正当理由3个月不开业或开业后自行停业连续6个月的，由中国银行业监督管理委员会收回其许可证，并予以公告。

　　第十四条汽车金融公司不得设立分支机构。

　　第十五条中国银行业监督管理委员会对汽车金融公司高级管理人员实行任职资格核准或备案制度。

　　汽车金融公司董事长、总经理及副总经理、董事和财务总监等的任职资格应当报经中国银行业监督管理委员会审查核准。有关高级管理人员的任职资格及其核准或备案程序另行规定。

　　第十六条汽车金融公司有下列变更事项之一的，应报经中国银行业监督管理委员会批准:

　　(一) 变更公司名称。

　　(二) 变更注册资本。

　　(三) 变更营业场所。

　　(四) 调整业务范围。

　　(五) 改变组织形式。

　　(六) 调整股权结构。

　　(七) 修改章程。

　　(八) 更换高级管理人员。

　　(九) 合并或分立。

　　(十) 中国银行业监督管理委员会规定的其他变更事项。

　　第十七条汽车金融公司因解散、依法被撤销或被宣告破产而终止的，其清算事宜，按照有关法律法规的规定办理。

　　第三章业务范围和监督管理

　　第十八条经批准，汽车金融公司可从事下列部分或全部人民币业务：

　　（一）接受境内股东单位3个月以上期限的存款。

　　（二）提供购车贷款业务。

　　（三）办理汽车经销商采购车辆贷款和营运设备贷款（包括展示厅建设贷款和零配件贷款以及维修设备贷款等）。

　　（四）转让和出售汽车贷款应收款业务。

　　（五）向金融机构借款。

　　（六）为贷款购车提供担保。

　　（七）与购车融资活动相关的代理业务。

　　（八）经中国银行业监督管理委员会批准的其他信贷业务。

　　第十九条汽车金融公司向自然人发放购车贷款应符合有关监管部门关于个人汽车贷款管理的规定；向法人或其他组织发放汽车贷款应遵守《贷款通则》等有关规定的要求。

　　第二十条未经有关监管部门批准，汽车金融公司不得擅自发行债券、向境外借款。汽车金融公司设立和开展业务中涉及汇兑管理、利润汇出、向非居民发放汽车消费贷款、资本金管理等外汇管理事项的，由有关监管部门会同国家外汇管理部门作出相关规定。

　　第二十一条汽车金融公司应实行资本总额与风险资产比例控制管理。汽车金融公司资本充足率不得低于10%，中国银行业监督管理委员会视汽车金融公司风险状况和风险管理能力，可提高单个公司资本充足率的最低标准。有关其他各类资产风险控制与管理的具体要求，由中国银行业监督管理委员会另行规定。

　　第二十二条汽车金融公司应当执行相关的金融企业财务会计制度。

　　第二十三条汽车金融公司应按规定编制并向中国银行业监督管理委员会报送资产负债表、损益表、现金流量表及中国银行业监督管理委员会要求的其他报表，并于每年会计年度终了后的3个月内报送上一年度的财务会计报告。

　　汽车金融公司不得提供虚假或隐瞒重要事实的财务会计报告。

　　第二十四条汽车金融公司应参照中国人民银行制定的《商业银行内部控制指引》的要求，建立、健全各项业务管理制度与内部控制制度，并在该制度施行前报告中国银行业监督管理委员会。

　　第二十五条汽车金融公司应自觉接受中国银行业监督管理委员会对其实施的现场检查及非现场检查。

　　第二十六条中国银行业监督管理委员会根据日常监管中发现的问题，可以向汽车金融公司的法定代表人和其他高级管理人员提出质询，并责令该公司限期改正。

　　第二十七条汽车金融公司应建立定期外部审计制度。应在每个会计年度结束后的6个月内，将经法定代表人签名确认的年度审计报告报送中国银行业监督管理委员会。

　　第二十八条汽车金融公司出现支付困难等紧急情况时，应采取紧急自救措施，并立即向中国银行业监督管理委员会报告。

　　第二十九条汽车金融公司出现下列情况之一的，中国银行业监督管理委员会可视情况责令其进行整顿：

　　（一）当年亏损超过注册资本的50%或连续3年累计亏损超过注册资本的30%。

　　（二）出现支付困难。

　　（三）有其他重大经营风险，中国银行业监督管理委员会认为应当整顿的情况。

　　第三十条中国银行业监督管理委员会责令汽车金融公司整顿后，可对汽车金融公司采取下列措施：

　　（一）要求更换或禁止更换汽车金融公司高级管理人员。

　　（二）暂停其部分业务或禁止其开办新业务。

　　（三）要求在规定期限内增加资本金。

　　（四）责令汽车金融公司进行改变股权结构等形式的重组。

　　（五）禁止分红。

　　（六）中国银行业监督管理委员会认为必要的其他措施。

　　第三十一条汽车金融公司经过整顿，符合下列条件的，报经中国银行业监督管理委员会批准后方可结束整顿：

　　（一）支付能力得到恢复。

　　（二）亏损得到弥补。

　　（三）重大经营风险得到化解。

　　第三十二条汽车金融公司整顿时间最长不超过1年，逾期未实现整顿目标的，依法予以市场退出。

　　第三十三条汽车金融公司可成立行业性自律组织，实行自律管理。自律组织开展活动，应当接受中国银行业监督管理委员会的指导和监督。

　　第四章法律责任

　　第三十四条未经中国银行业监督管理委员会批准，擅自设立汽车金融公司或者非法从事汽车金融业务的，由中国银行业监督管理委员会依法予以取缔；构成犯罪的，依法追究刑事责任；尚不构成犯罪的，由中国银行业监督管理委员会没收非法所得，并处非法所得1倍以上5倍以下的罚款；没有非法所得的，由中国银行业监督管理委员会责令改正，并处10万元以上50万元以下的罚款。

　　第三十五条未经中国银行业监督管理委员会批准，擅自在机构名称中使用“汽车金融”、“汽车信贷”等表明从事汽车金融业务字样的，由中国银行业监督管理委员会责令其改正，并处1000元罚款。

　　第三十六条汽车金融公司超出中国银行业监督管理委员会批准的业务范围从事金融业务活动的，给予警告，没收违法所得，并处违法所得1倍以上 5倍以下的罚款；没有违法所得的，处10万元以上50万元以下的罚款；构成非法经营罪或者其他罪的，依法追究刑事责任。

　　第三十七条汽车金融公司违反本办法有关规定，提供虚假或者隐瞒重要事实的财务会计报告的，由中国银行业监督管理委员会予以警告，并处10万元以上50万元以下的罚款；构成提供虚假财会报告罪或者其他罪的，依法追究刑事责任。

　　第三十八条汽车金融公司违反本办法有关规定，拒绝、阻碍依法监督检查的，由中国银行业监督管理委员会给予警告，并处1万元以上3万元以下的罚款。

　　第三十九条汽车金融公司违反本办法规定，除依据本章第三十四条至第三十八条的有关规定给予处罚外，情节严重的，中国银行业监督管理委员会可以取消该公司高级管理人员1至10年直至终身的金融机构高级管理人员任职资格。

　　第四十条汽车金融公司违反我国其他法律、法规的，由有关主管机关依法处理。

　　第五章附则

　　第四十一条香港特别行政区、澳门特别行政区和台湾地区投资者在内地设立汽车金融公司，适用本办法。

　　第四十二条本办法自2003年10月3日起施行，并由中国银行业监督管理委员会负责解释。

　　China Banking¹ Regulatory Commission No. 4 Order

　　Upon the approval of the State Council, the Administrative² Rules Governing the Auto³ Financing Company is now promulgated⁴ 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 stipulated⁵ 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 entities⁶ charted by the China Banking Regulatory Commission in compliance⁷ with relevant laws, regulations and the Rules to provide loans for auto buyers and dealers⁸ in the mainland of China.

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

　　Chapter II Incorporation⁹, 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 entity¹⁰ 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 investor¹¹ of an auto financing company shall satisfy following requirements:

　　(a) It shall be a corporate¹² 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 convertible¹³ 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 consecutive¹⁴ years;

　　(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 automobile¹⁵.

　　The largest investor refers to the investor with the largest share of capital and its capital contribution accounting¹⁶ for no less than 30 percent of the total equity¹⁷ 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 forth¹⁹ 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 premises²⁰, 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 prospective²¹ auto financing company, the largest investor of the company shall act as the applicant²² 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 investors²³’ 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 assessment²⁴ of the company‘s risk control capability²⁵, the proforma balance sheet and profits in the following three years after the business commencement;

　　(d) basic information of each investor of the auto financing company, including name, legal representative, location of incorporation, a photocopy²⁷ of the business license²⁸ 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 audited³⁰ by qualified³¹ auditing³² 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 justification³³ 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 attachments³⁴:

　　(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 certifying³⁵ agency, and a registration³⁶ certificate issued by the State Administration of Industry and Commerce;

　　(d) names and detailed³⁷ resumes of proposed senior managerial personnel;

　　(e) name and capital contribution of each shareholder³⁸;

　　(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 revoke³⁹ the license to conduct financial business and issue a public notice of the revocation⁴⁰ 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;

　　(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) merger⁴¹ or split; and

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

　　Article 17 The liquidation⁴² of an auto financing company whose operation is terminated because of dissolution, closure or bankruptcy⁴³, shall be carried out in compliance with relevant laws and regulations.

　　Chapter III Business Scope and Supervision⁴⁴

　　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 maturity⁴⁵ of no less than three months from its shareholders⁴⁶ in the mainland of China;

　　(b) extending loans for auto purchase;

　　(c) extending loans to auto dealers for purpose of purchasing automobiles⁴⁷ 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 repatriation⁴⁸ 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 jointly⁴⁹ 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 format²⁶ 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 concealed⁵⁰.

　　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 implementation⁵².

　　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 inquiries⁵³ 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 audit²⁹ 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 promptly⁵⁴ 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;

　　(d) demanding the company to change its equity structure or implement⁵¹ other forms of restructuring;

　　(e) prohibiting the dividend⁵⁵ 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) Solvency⁵⁶ is restored;

　　(b) Losses are covered; and

　　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 oversight⁵⁷ 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 confiscate⁵⁸ the illegal earnings⁵⁹ 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 violation⁶⁰ 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 impede⁶¹ the examinations and oversight by the supervisor¹⁸, 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 Supplementary⁶² 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 interpretation⁶³ rests with the China Banking Regulatory Commission.

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收听单词发音

1 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。

2 administrative
adj.行政的，管理的
参考例句：
The administrative burden must be lifted from local government.必须解除地方政府的行政负担。 He regarded all these administrative details as beneath his notice.他认为行政管理上的这些琐事都不值一顾。

3 auto
n.(=automobile)(口语)汽车
参考例句：
Don't park your auto here.别把你的汽车停在这儿。 The auto industry has brought many people to Detroit.汽车工业把许多人吸引到了底特律。

4 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

5 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

6 entities
实体对像；实体，独立存在体，实际存在物( entity的名词复数 )
参考例句：
Our newspaper and our printing business form separate corporate entities. 我们的报纸和印刷业形成相对独立的企业实体。 The North American continent is made up of three great structural entities. 北美大陆是由三个构造单元组成的。

7 compliance
n.顺从；服从；附和；屈从
参考例句：
I was surprised by his compliance with these terms.我对他竟然依从了这些条件而感到吃惊。 She gave up the idea in compliance with his desire.她顺从他的愿望而放弃自己的主意。

8 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。

9 incorporation
n.设立，合并，法人组织
参考例句：
The incorporation of air bubbles in the glass spoiled it.玻璃含有气泡，使它质量降低。 The company will be retooled after the incorporation.合并之后的公司要进行重组。

10 entity
n.实体，独立存在体，实际存在物
参考例句：
The country is no longer one political entity.这个国家不再是一个统一的政治实体了。 As a separate legal entity,the corporation must pay taxes.作为一个独立的法律实体，公司必须纳税。

11 investor
n.投资者，投资人
参考例句：
My nephew is a cautious investor.我侄子是个小心谨慎的投资者。 The investor believes that his investment will pay off handsomely soon.这个投资者相信他的投资不久会有相当大的收益。

12 corporate
adj.共同的，全体的；公司的，企业的
参考例句：
This is our corporate responsibility.这是我们共同的责任。 His corporate's life will be as short as a rabbit's tail.他的公司的寿命是兔子尾巴长不了。

13 convertible
adj.可改变的，可交换，同意义的；n.有活动摺篷的汽车
参考例句：
The convertible sofa means that the apartment can sleep four.有了这张折叠沙发，公寓里可以睡下4个人。 That new white convertible is totally awesome.那辆新的白色折篷汽车简直棒极了。

14 consecutive
adj.连续的，联贯的，始终一贯的
参考例句：
It has rained for four consecutive days.已连续下了四天雨。 The policy of our Party is consecutive.我党的政策始终如一。

15 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。

16 accounting
n.会计，会计学，借贷对照表
参考例句：
A job fell vacant in the accounting department.财会部出现了一个空缺。 There's an accounting error in this entry.这笔账目里有差错。

17 equity
n.公正，公平，（无固定利息的）股票
参考例句：
They shared the work of the house with equity.他们公平地分担家务。 To capture his equity,Murphy must either sell or refinance.要获得资产净值，墨菲必须出售或者重新融资。

18 supervisor
n.监督人，管理人，检查员，督学，主管，导师
参考例句：
Between you and me I think that new supervisor is a twit.我们私下说，我认为新来的主管人是一个傻瓜。 He said I was too flighty to be a good supervisor.他说我太轻浮不能成为一名好的管理员。

19 forth
adv.向前；向外，往外
参考例句：
The wind moved the trees gently back and forth.风吹得树轻轻地来回摇晃。 He gave forth a series of works in rapid succession.他很快连续发表了一系列的作品。

20 premises
n.建筑物，房屋
参考例句：
According to the rules,no alcohol can be consumed on the premises.按照规定，场内不准饮酒。 All repairs are done on the premises and not put out.全部修缮都在家里进行，不用送到外面去做。

21 prospective
adj.预期的，未来的，前瞻性的
参考例句：
The story should act as a warning to other prospective buyers.这篇报道应该对其他潜在的购买者起到警示作用。 They have all these great activities for prospective freshmen.这会举办各种各样的活动来招待未来的新人。

22 applicant
n.申请人，求职者，请求者
参考例句：
He was the hundredth applicant for the job. 他是第100个申请这项工作的人。 In my estimation, the applicant is well qualified for this job. 据我看, 这位应征者完全具备这项工作的条件。

23 investors
n.投资者，出资者( investor的名词复数 )
参考例句：
a con man who bilked investors out of millions of dollars 诈取投资者几百万元的骗子 a cash bonanza for investors 投资者的赚钱机会

24 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？

25 capability
n.能力；才能；(pl)可发展的能力或特性等
参考例句：
She has the capability to become a very fine actress.她有潜力成为杰出演员。 Organizing a whole department is beyond his capability.组织整个部门是他能力以外的事。

26 format
n.设计，版式；[计算机]格式，DOS命令:格式化(磁盘)，用于空盘或使用过的磁盘建立新空盘来存储数据；v.使格式化，设计，安排
参考例句：
Please format this floppy disc.请将这张软盘格式化。 The format of the figure is very tasteful.该图表的格式很雅致。

27 photocopy
n.影印本；v.影印
参考例句：
The original reproduces clearly in a photocopy.原件复印得十分清晰。 What's wrong with the photocopy machine?复印机出了什么问题？

28 license
n.执照，许可证，特许；v.许可，特许
参考例句：
The foreign guest has a license on the person.这个外国客人随身携带执照。 The driver was arrested for having false license plates on his car.司机由于使用假车牌而被捕。

29 audit
v.审计；查帐；核对；旁听
参考例句：
Each year they audit our accounts and certify them as being true and fair.他们每年对我们进行账务审核，以确保其真实无误。 As usual,the yearly audit will take place in December.跟往常一样，年度审计将在十二月份进行。

30 audited
v.审计，查账( audit的过去式和过去分词 )
参考例句：
The accounts have to be audited by a firm of external auditors. 这些账目必须由一家外聘审计员的公司来稽查。来自《简明英汉词典》 E. g. few if any charities collection publishes audited accounts. 例如很少义款收集有公布经过查核的帐目。来自互联网

31 qualified
adj.合格的，有资格的，胜任的，有限制的
参考例句：
He is qualified as a complete man of letters.他有资格当真正的文学家。 We must note that we still lack qualified specialists.我们必须看到我们还缺乏有资质的专家。

32 auditing
n.审计，查账，决算
参考例句：
Auditing standards are the rules governing how an audit is performed.收支检查标准是规则统治一个稽核如何被运行。 The auditing services market is dominated by a few large accounting firms.审计服务市场被几家大型会计公司独占了。

33 justification
n.正当的理由；辩解的理由
参考例句：
There's no justification for dividing the company into smaller units. 没有理由把公司划分成小单位。 In the young there is a justification for this feeling. 在年轻人中有这种感觉是有理由的。

34 attachments
n.（用电子邮件发送的）附件( attachment的名词复数 )；附着；连接；附属物
参考例句：
The vacuum cleaner has four different attachments. 吸尘器有四个不同的附件。 It's an electric drill with a range of different attachments. 这是一个带有各种配件的电钻。

35 certifying
（尤指书面）证明( certify的现在分词 )；发证书给…；证明（某人）患有精神病；颁发（或授予）专业合格证书
参考例句：
Signed Commercial in quintuplicate, certifying merchandise to be of Chinese origin. 签署商业发票一式五份，证明产品的原产地为中国。 Other documents certifying the truthfulness of the contents of the advertisements. （三）确认广告内容真实性的其他证明文件。

36 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？

37 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。

38 shareholder
n.股东，股票持有人
参考例句：
The account department have prepare a financial statement for the shareholder.财务部为股东准备了一份财务报表。 A shareholder may transfer his shares in accordance with the law.股东持有的股份可以依法转让。

39 revoke
v.废除，取消，撤回
参考例句：
The university may revoke my diploma.大学可能吊销我的毕业证书。 The government revoked her husband's license to operate migrant labor crews.政府撤销了她丈夫管理外来打工人群的许可证。

40 revocation
n.废止，撤回
参考例句：
the revocation of planning permission 建筑许可的撤销 The revocation of the Edict of Nantes was signed here in 1685. 1685年南特敕令的废除是在这里宣布的。来自互联网

41 merger
n.企业合并，并吞
参考例句：
Acceptance of the offer is the first step to a merger.对这项提议的赞同是合并的第一步。 Shareholders will be voting on the merger of the companies.股东们将投票表决公司合并问题。

42 liquidation
n.清算，停止营业
参考例句：
The bankrupt company went into liquidation.这家破产公司停业清盘。 He lost all he possessed when his company was put into liquidation.当公司被清算结业时他失去了拥有的一切。

43 bankruptcy
n.破产；无偿付能力
参考例句：
You will have to pull in if you want to escape bankruptcy.如果你想避免破产，就必须节省开支。 His firm is just on thin ice of bankruptcy.他的商号正面临破产的危险。

44 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。

45 maturity
n.成熟；完成；(支票、债券等)到期
参考例句：
These plants ought to reach maturity after five years.这些植物五年后就该长成了。 This is the period at which the body attains maturity.这是身体发育成熟的时期。

46 shareholders
n.股东( shareholder的名词复数 )
参考例句：
The meeting was attended by 90% of shareholders. 90%的股东出席了会议。 the company's fiduciary duty to its shareholders 公司对股东负有的受托责任

47 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》

48 repatriation
n.遣送回国，归国
参考例句：
The Volrep programme is the preferred means of repatriation. 政府认为自愿遣返计划的遣返方法较为可取。来自互联网 Arrange the cargo claiming and maritime affairs,crews repatriation,medical treatment,traveling so on. （六）洽办货物理赔，船舶海事处理，办理船员遣返，就医，旅游等。来自互联网

49 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。

50 concealed
a.隐藏的，隐蔽的
参考例句：
The paintings were concealed beneath a thick layer of plaster. 那些画被隐藏在厚厚的灰泥层下面。 I think he had a gun concealed about his person. 我认为他当时身上藏有一支枪。

51 implement
n.(pl.)工具，器具；vt.实行，实施，执行
参考例句：
Don't undertake a project unless you can implement it.不要承担一项计划，除非你能完成这项计划。 The best implement for digging a garden is a spade.在花园里挖土的最好工具是铁锹。

52 implementation
n.实施，贯彻
参考例句：
Implementation of the program is now well underway.这一项目的实施现在行情看好。

53 inquiries
n.调查( inquiry的名词复数 )；疑问；探究；打听
参考例句：
He was released on bail pending further inquiries. 他获得保释，等候进一步调查。 I have failed to reach them by postal inquiries. 我未能通过邮政查询与他们取得联系。来自《现代汉英综合大词典》

54 promptly
adv.及时地，敏捷地
参考例句：
He paid the money back promptly.他立即还了钱。 She promptly seized the opportunity his absence gave her.她立即抓住了因他不在场给她创造的机会。

55 dividend
n.红利，股息；回报，效益
参考例句：
The company was forced to pass its dividend.该公司被迫到期不分红。 The first quarter dividend has been increased by nearly 4 per cent.第一季度的股息增长了近 4%。

56 solvency
n.偿付能力，溶解力
参考例句：
Fears about the solvency of the banks precipitated the great economic crash.对银行偿付能力出现恐慌更加速了经济的崩溃。 Their targets,including profitability ratios,solvency ratios,asset management ratios.其指标包括盈利比率、偿债能力比率、资产管理比率。

57 oversight
n.勘漏，失察，疏忽
参考例句：
I consider this a gross oversight on your part.我把这件事看作是你的一大疏忽。 Your essay was not marked through an oversight on my part.由于我的疏忽你的文章没有打分。

58 confiscate
v.没收(私人财产)，把…充公
参考例句：
The police have the right to confiscate any forbidden objects they find.如发现违禁货物，警方有权查扣。 Did the teacher confiscate your toy?老师没收你的玩具了吗？

59 earnings
n.工资收人；利润，利益，所得
参考例句：
That old man lives on the earnings of his daughter.那个老人靠他女儿的收入维持生活。 Last year there was a 20% decrease in his earnings.去年他的收入减少了20%。

60 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。

61 impede
v.妨碍，阻碍，阻止
参考例句：
One shouldn't impede other's progress.一个人不应该妨碍他人进步。 The muddy roads impede our journey.我们的旅游被泥泞的道路阻挠了。

62 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。

63 interpretation
n.解释，说明，描述；艺术处理
参考例句：
His statement admits of one interpretation only.他的话只有一种解释。 Analysis and interpretation is a very personal thing.分析与说明是个很主观的事情。

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