汽車金融公司管理辦法

Administrative Rules Governing the Auto Financing Company

第一章 總則

Chapter I General Provisions

第一條 為適應(yīng)汽車金融服務(wù)業(yè)發(fā)展的需要，規(guī)范經(jīng)營(yíng)汽車金融業(yè)務(wù)的非銀行金融機(jī)構(gòu)的行為，依據(jù)有關(guān)法律、行政法規(guī)，制定本辦法。

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.

第二條 本辦法所稱汽車金融公司，是指經(jīng)中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)依據(jù)有關(guān)法律、行政法規(guī)和本辦法規(guī)定批準(zhǔn)設(shè)立的，為中國(guó)境內(nèi)的汽車購(gòu)買者及銷售者提供貸款的非銀行金融企業(yè)法人。

Article2 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.

第三條 中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)負(fù)責(zé)對(duì)汽車金融公司的監(jiān)督管理。

Article3 Auto financing companies are supervised and regulated by the China Banking Regulatory Commission.

第二章 機(jī)構(gòu)的設(shè)立、變更與終止

Chapter II Incorporation, Change and Termination

第四條 設(shè)立汽車金融公司應(yīng)當(dāng)經(jīng)中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)批準(zhǔn)。 未經(jīng)中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)批準(zhǔn)，任何單位和個(gè)人不得擅自設(shè)立汽車金融公司或者變相從事汽車金融業(yè)務(wù),不得在機(jī)構(gòu)名稱中擅自使用\"汽車金融\"、\"汽車信貸\"等表明從事汽車金融業(yè)務(wù)的字樣。

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

第五條 出資設(shè)立汽車金融公司，出資人應(yīng)具備下列條件：

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

（一） 中國(guó)境內(nèi)外依法設(shè)立的企業(yè)法人。

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

非金融機(jī)構(gòu)，其最近一年的總資產(chǎn)不低于40億元人民幣或等值的自由兌換貨幣，年?duì)I業(yè)收入不低于20億元人民幣或等值的自由兌換貨幣；

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.

非銀行金融機(jī)構(gòu)，其注冊(cè)資本不低于3億元人民幣或等值的自由兌換貨幣。

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;

（二）經(jīng)營(yíng)業(yè)績(jī)良好，最近3年連續(xù)盈利。

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

（三）遵守注冊(cè)所在地法律，無(wú)違法、犯罪行為。

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

（四）主要出資人須為汽車企業(yè)、非銀行金融機(jī)構(gòu)。

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

汽車企業(yè)是指生產(chǎn)或銷售汽車整車的企業(yè)。

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

主要出資人是指出資數(shù)額最多且出資額不得低于擬設(shè)汽車金融公司全部股本30%的出資人。

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;

（五）同一企業(yè)法人不得投資一個(gè)以上的汽車金融公司。

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

（六）中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)規(guī)定的其他審慎性條件。

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

第六條 設(shè)立的汽車金融公司，應(yīng)當(dāng)具備下列條件:

Article6 An auto financing company shall satisfy the following conditions in order to be incorporated:

（一）具有符合本辦法要求的最低注冊(cè)資本。

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

（二）具有符合《中華人民共和國(guó)公司法》等相關(guān)法律和本辦法要求的章程。

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

（三）具有熟悉汽車融資及相關(guān)業(yè)務(wù)的高級(jí)管理人員。

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

（四）具有健全的組織機(jī)構(gòu)、管理制度和風(fēng)險(xiǎn)控制制度。

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

（五）具有與業(yè)務(wù)經(jīng)營(yíng)相適應(yīng)的營(yíng)業(yè)場(chǎng)所、安全防范措施和其他設(shè)施。

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

（六）中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)規(guī)定的其他條件。

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

第七條 汽車金融公司注冊(cè)資本的最低限額為 5億元人民幣或等值的自由兌換貨幣。注冊(cè)資本為實(shí)繳貨幣資本。

Article7 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.

中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)根據(jù)汽車金融業(yè)務(wù)發(fā)展情況及審慎監(jiān)管的需要，可以調(diào)整注冊(cè)資本的最低限額，但不得少于前款規(guī)定的限額。

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.

第八條 汽車金融公司的設(shè)立須經(jīng)過(guò)籌建和開業(yè)兩個(gè)階段。 申請(qǐng)人提交的申請(qǐng)籌建、申請(qǐng)開業(yè)的資料，應(yīng)以中文書寫為準(zhǔn)。

Article8 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.

第九條 申請(qǐng)籌建汽車金融公司，應(yīng)由主要出資人作為申請(qǐng)人向中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)提交下列資料:

Article9 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:

(一) 籌建申請(qǐng)書。其內(nèi)容應(yīng)包括擬設(shè)汽車金融公司名稱、公司注冊(cè)所在地、注冊(cè)資本金，出資人及各自的出資額、業(yè)務(wù)范圍等。

 (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.;

(二) 設(shè)立汽車金融公司的可行性研究報(bào)告。其內(nèi)容包括對(duì)擬設(shè)公司的市場(chǎng)前景分析、未來(lái)業(yè)務(wù)發(fā)展規(guī)劃、組織管理架構(gòu)和風(fēng)險(xiǎn)控制能力分析、公司開業(yè)后3年的資產(chǎn)負(fù)債規(guī)模和盈利預(yù)測(cè)等內(nèi)容。

(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;

(三) 擬設(shè)立汽車金融公司的章程（草案）。

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

(四) 出資人基本情況，包括出資人名稱、法定代表人、注冊(cè)地址、營(yíng)業(yè)執(zhí)照復(fù)印件、經(jīng)營(yíng)情況等。

(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.;

(五)出資人最近3年經(jīng)法定機(jī)構(gòu)審計(jì)的資產(chǎn)負(fù)債表、損益表和現(xiàn)金流量表。

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

(六) 籌建負(fù)責(zé)人名單及簡(jiǎn)歷。

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

(七) 中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)要求提交的其他文件。

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

申請(qǐng)人為外國(guó)非銀行金融機(jī)構(gòu)的，申請(qǐng)籌建時(shí)應(yīng)提供其注冊(cè)地金融監(jiān)管當(dāng)局出具的書面意見。申請(qǐng)人為非金融機(jī)構(gòu)的，申請(qǐng)籌建時(shí)應(yīng)提供評(píng)級(jí)機(jī)構(gòu)對(duì)申請(qǐng)人最近1年的信用評(píng)級(jí)報(bào)告。

 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.

第十條 中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)自收到完整的籌建申請(qǐng)資料之日起6個(gè)月內(nèi)作出是否批準(zhǔn)籌建的書面答復(fù)。

Article10 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.

第十一條 申請(qǐng)人應(yīng)當(dāng)自接到中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)批準(zhǔn)籌建文件之日起6個(gè)月內(nèi)完成籌建工作。

Article11 The applicant shall, upon receiving the approval letter from the China Banking Regulatory Commission, complete the preparation within six months.

有正當(dāng)理由需要延長(zhǎng)籌建期限的，應(yīng)當(dāng)在籌建期限屆滿前書面向中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)提出申請(qǐng)，經(jīng)批準(zhǔn)可以延長(zhǎng)3個(gè)月。

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.

籌建期限屆滿或延長(zhǎng)期限屆滿，申請(qǐng)人未提出開業(yè)申請(qǐng)的，原籌建批準(zhǔn)決定自動(dòng)失效。

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.

籌建期內(nèi)不得以汽車金融公司名義從事經(jīng)營(yíng)活動(dòng)。

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

第十二條 申請(qǐng)人應(yīng)當(dāng)在籌建期限屆滿前或延長(zhǎng)期限屆滿前，向中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)提出開業(yè)申請(qǐng)，并提交下列文件、資料:

Article12 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:

(一) 籌建工作完成情況報(bào)告和申請(qǐng)開業(yè)報(bào)告。

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

(二) 中國(guó)法定驗(yàn)資機(jī)構(gòu)出具的驗(yàn)資證明、工商行政管理機(jī)關(guān)出具的對(duì)擬設(shè)機(jī)構(gòu)名稱的預(yù)核準(zhǔn)登記書。

(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;

(三) 汽車金融公司章程。

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

(四) 擬任高級(jí)管理人員的名單、詳細(xì)履歷。

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

(五) 股東名稱及其出資額。

(e) name and capital contribution of each shareholder;

(六) 擬辦業(yè)務(wù)的規(guī)章制度及內(nèi)部風(fēng)險(xiǎn)控制制度。

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

(七) 有權(quán)部門出具的營(yíng)業(yè)場(chǎng)所及其他與業(yè)務(wù)有關(guān)設(shè)施安全驗(yàn)收合格文件。

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

(八) 中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)要求的其他文件。

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

第十三條 中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)自收到完整的開業(yè)申請(qǐng)文件、資料之日起3個(gè)月內(nèi)作出核準(zhǔn)開業(yè)或不核準(zhǔn)開業(yè)的決定。決定核準(zhǔn)開業(yè)的，書面通知申請(qǐng)人，頒發(fā)經(jīng)營(yíng)金融業(yè)務(wù)許可證，核準(zhǔn)其業(yè)務(wù)范圍。不予核準(zhǔn)開業(yè)的，應(yīng)書面通知申請(qǐng)人并說(shuō)明理由。

Article13 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.

申請(qǐng)人憑該許可證到工商行政管理部門辦理注冊(cè)登記，領(lǐng)取《企業(yè)法人營(yíng)業(yè)執(zhí)照》后方可營(yíng)業(yè)。

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.

汽車金融公司自領(lǐng)取營(yíng)業(yè)執(zhí)照之日起，無(wú)正當(dāng)理由3個(gè)月不開業(yè)或開業(yè)后自行停業(yè)連續(xù)6個(gè)月的，由中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)收回其許可證，并予以公告。

 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.

第十四條 汽車金融公司不得設(shè)立分支機(jī)構(gòu)。

Article14 An auto financing company shall not set up any branch or subsidiary.

第十五條 中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)對(duì)汽車金融公司高級(jí)管理人員實(shí)行任職資格核準(zhǔn)或備案制度。

Article15 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.

汽車金融公司董事長(zhǎng)、總經(jīng)理及副總經(jīng)理、董事和財(cái)務(wù)總監(jiān)等的任職資格應(yīng)當(dāng)報(bào)經(jīng)中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)審查核準(zhǔn)。有關(guān)高級(jí)管理人員的任職資格及其核準(zhǔn)或備案程序另行規(guī)定。

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.

第十六條 汽車金融公司有下列變更事項(xiàng)之一的，應(yīng)報(bào)經(jīng)中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)批準(zhǔn):

Article16 An auto financing company, in case of any of the following changes, shall seek the approval of the China Banking Regulatory Commission:

(一) 變更公司名稱。

 (a) change of company name;

(二) 變更注冊(cè)資本。

(b) change of registered capital;

(三) 變更營(yíng)業(yè)場(chǎng)所。

(c) change of business premises;

(四) 調(diào)整業(yè)務(wù)范圍。

(d) change of business scope;

(五) 改變組織形式。

(e) change of organizational structure;

(六) 調(diào)整股權(quán)結(jié)構(gòu)。

(f) change of equity structure;

(七) 修改章程。

(g) revision of Articles of Association;

(八) 更換高級(jí)管理人員。

(h) change of senior managerial personnel;

(九) 合并或分立。

(i) merger or split;

(十) 中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)規(guī)定的其他變更事項(xiàng)。

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

第十七條 汽車金融公司因解散、依法被撤銷或被宣告破產(chǎn)而終止的，其清算事宜，按照有關(guān)法律法規(guī)的規(guī)定辦理。

Article17 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.

第三章 業(yè)務(wù)范圍和監(jiān)督管理

ChapterIII Business Scope and Supervision

第十八條 經(jīng)批準(zhǔn)，汽車金融公司可從事下列部分或全部人民幣業(yè)務(wù)：

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:

（一）接受境內(nèi)股東單位3個(gè)月以上期限的存款。

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

（二）提供購(gòu)車貸款業(yè)務(wù)。

(b) extending loans for auto purchase;

（三）辦理汽車經(jīng)銷商采購(gòu)車輛貸款和營(yíng)運(yùn)設(shè)備貸款（包括展示廳建設(shè)貸款和零配件貸款以及維修設(shè)備貸款等）。

(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);

（四）轉(zhuǎn)讓和出售汽車貸款應(yīng)收款業(yè)務(wù)。

(d) transferring and selling auto loan receivables;

（五）向金融機(jī)構(gòu)借款。

(e) borrowing from financial institutions;

（六）為貸款購(gòu)車提供擔(dān)保。

(f) providing guarantee for auto purchase financing;

（七）與購(gòu)車融資活動(dòng)相關(guān)的代理業(yè)務(wù)。

(g) agency business relating to auto purchase financing;

（八）經(jīng)中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)批準(zhǔn)的其他信貸業(yè)務(wù)。

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

第十九條 汽車金融公司向自然人發(fā)放購(gòu)車貸款應(yīng)符合有關(guān)監(jiān)管部門關(guān)于個(gè)人汽車貸款管理的規(guī)定；向法人或其他組織發(fā)放汽車貸款應(yīng)遵守《貸款通則》等有關(guān)規(guī)定的要求。

Article19 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.

第二十條 未經(jīng)有關(guān)監(jiān)管部門批準(zhǔn)，汽車金融公司不得擅自發(fā)行債券、向境外借款。汽車金融公司設(shè)立和開展業(yè)務(wù)中涉及匯兌管理、利潤(rùn)匯出、向非居民發(fā)放汽車消費(fèi)貸款、資本金管理等外匯管理事項(xiàng)的，由有關(guān)監(jiān)管部門會(huì)同國(guó)家外匯管理部門作出相關(guān)規(guī)定。

Article20 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.

第二十一條 汽車金融公司應(yīng)實(shí)行資本總額與風(fēng)險(xiǎn)資產(chǎn)比例控制管理。汽車金融公司資本充足率不得低于10%，中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)視汽車金融公司風(fēng)險(xiǎn)狀況和風(fēng)險(xiǎn)管理能力，可提高單個(gè)公司資本充足率的最低標(biāo)準(zhǔn)。有關(guān)其他各類資產(chǎn)風(fēng)險(xiǎn)控制與管理的具體要求，由中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)另行規(guī)定。

Article21 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.

第二十二條 汽車金融公司應(yīng)當(dāng)執(zhí)行相關(guān)的金融企業(yè)財(cái)務(wù)會(huì)計(jì)制度。

Article22 An auto financing company shall adopt relevant accounting rules for financial institutions.

第二十三條 汽車金融公司應(yīng)按規(guī)定編制并向中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)報(bào)送資產(chǎn)負(fù)債表、損益表、現(xiàn)金流量表及中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)要求的其他報(bào)表，并于每年會(huì)計(jì)年度終了后的3個(gè)月內(nèi)報(bào)送上一年度的財(cái)務(wù)會(huì)計(jì)報(bào)告。

Article23 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.

汽車金融公司不得提供虛假或隱瞞重要事實(shí)的財(cái)務(wù)會(huì)計(jì)報(bào)告。

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

第二十四條 汽車金融公司應(yīng)參照中國(guó)人民銀行制定的《商業(yè)銀行內(nèi)部控制指引》的要求，建立、健全各項(xiàng)業(yè)務(wù)管理制度與內(nèi)部控制制度，并在該制度施行前報(bào)告中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)。

Article24 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.

第二十五條 汽車金融公司應(yīng)自覺接受中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)對(duì)其實(shí)施的現(xiàn)場(chǎng)檢查及非現(xiàn)場(chǎng)檢查。

Article25 An auto financing company shall accept the on-site examination and the off-site surveillance by the China Banking Regulatory Commission.

第二十六條 中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)根據(jù)日常監(jiān)管中發(fā)現(xiàn)的問(wèn)題，可以向汽車金融公司的法定代表人和其他高級(jí)管理人員提出質(zhì)詢，并責(zé)令該公司限期改正。

Article26 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.

第二十七條 汽車金融公司應(yīng)建立定期外部審計(jì)制度。應(yīng)在每個(gè)會(huì)計(jì)年度結(jié)束后的6個(gè)月內(nèi)，將經(jīng)法定代表人簽名確認(rèn)的年度審計(jì)報(bào)告報(bào)送中國(guó)銀行業(yè)監(jiān)督管理委員帷?/span>

Article27 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.

第二十八條 汽車金融公司出現(xiàn)支付困難等緊急情況時(shí)，應(yīng)采取緊急自救措施，并立即向中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)報(bào)告。

Article28 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.

第二十九條 汽車金融公司出現(xiàn)下列情況之一的，中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)可視情況責(zé)令其進(jìn)行整頓：

Article29 The China Banking Regulatory Commission shall demand remedial actions by an auto financing company in case of the following circumstances:

（一） 當(dāng)年虧損超過(guò)注冊(cè)資本的50%或連續(xù)3年累計(jì)虧損超過(guò)注冊(cè)資本的30%。

 (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;

（二） 出現(xiàn)支付困難。

(b) The company is in payment difficulties;

（三） 有其他重大經(jīng)營(yíng)風(fēng)險(xiǎn)，中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)認(rèn)為應(yīng)當(dāng)整頓的情況。

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

第三十條 中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)責(zé)令汽車金融公司整頓后，可對(duì)汽車金融公司采取下列措施：

Article30 The China Banking Regulatory Commission, after issuing an order for corrective actions to an auto financing company, may take the following enforcement actions:

（一） 要求更換或禁止更換汽車金融公司高級(jí)管理人員。

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

（二） 暫停其部分業(yè)務(wù)或禁止其開辦新業(yè)務(wù)。

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

（三） 要求在規(guī)定期限內(nèi)增加資本金。

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

（四） 責(zé)令汽車金融公司進(jìn)行改變股權(quán)結(jié)構(gòu)等形式的重組。

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

（五） 禁止分紅。

(e) prohibiting the dividend distribution;

（六） 中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)認(rèn)為必要的其他措施。

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

第三十一條 汽車金融公司經(jīng)過(guò)整頓，符合下列條件的，報(bào)經(jīng)中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)批準(zhǔn)后方可結(jié)束整頓：

Article31 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:

（一） 支付能力得到恢復(fù)。

 (a) Solvency is restored;

（二） 虧損得到彌補(bǔ)。

(b) Losses are covered;

（三） 重大經(jīng)營(yíng)風(fēng)險(xiǎn)得到化解。

and (c) Major operational risks are addressed.

第三十二條 汽車金融公司整頓時(shí)間最長(zhǎng)不超過(guò)1年，逾期未實(shí)現(xiàn)整頓目標(biāo)的，依法予以市場(chǎng)退出。

Article32 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.

第三十三條 汽車金融公司可成立行業(yè)性自律組織，實(shí)行自律管理。自律組織開展活動(dòng)，應(yīng)當(dāng)接受中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)的指導(dǎo)和監(jiān)督。

Article33 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.

第四章 法律責(zé)任

Chapter IV Legal Liabilities

第三十四條 未經(jīng)中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)批準(zhǔn)，擅自設(shè)立汽車金融公司或者非法從事汽車金融業(yè)務(wù)的，由中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)依法予以取締；構(gòu)成犯罪的，依法追究刑事責(zé)任；尚不構(gòu)成犯罪的，由中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)沒(méi)收非法所得，并處非法所得1倍以上5倍以下的罰款；沒(méi)有非法所得的，由中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)責(zé)令改正，并處10萬(wàn)元以上50萬(wàn)元以下的罰款。

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.

第三十五條 未經(jīng)中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)批準(zhǔn)，擅自在機(jī)構(gòu)名稱中使用\"汽車金融\"、\"汽車信貸\"等表明從事汽車金融業(yè)務(wù)字樣的，由中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)責(zé)令其改正，并處1000元罰款。

Article35 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.

第三十六條 汽車金融公司超出中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)批準(zhǔn)的業(yè)務(wù)范圍從事金融業(yè)務(wù)活動(dòng)的，給予警告，沒(méi)收違法所得，并處違法所得1倍以上 5倍以下的罰款；沒(méi)有違法所得的，處10萬(wàn)元以上50萬(wàn)元以下的罰款；構(gòu)成非法經(jīng)營(yíng)罪或者其他罪的，依法追究刑事責(zé)任。

Article36 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.

第三十七條 汽車金融公司違反本辦法有關(guān)規(guī)定，提供虛假或者隱瞞重要事實(shí)的財(cái)務(wù)會(huì)計(jì)報(bào)告的，由中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)予以警告，并處10萬(wàn)元以上50萬(wàn)元以下的罰款；構(gòu)成提供虛假財(cái)會(huì)報(bào)告罪或者其他罪的，依法追究刑事責(zé)任。

Article37 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.

第三十八條 汽車金融公司違反本辦法有關(guān)規(guī)定，拒絕、阻礙依法監(jiān)督檢查的，由中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)給予警告，并處1萬(wàn)元以上3萬(wàn)元以下的罰款。

Article38 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.

第三十九條 汽車金融公司違反本辦法規(guī)定，除依據(jù)本章第三十四條至第三十八條的有關(guān)規(guī)定給予處罰外，情節(jié)嚴(yán)重的，中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)可以取消該公司高級(jí)管理人員1至10年直至終身的金融機(jī)構(gòu)高級(jí)管理人員任職資格。

Article39 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.

第四十條 汽車金融公司違反我國(guó)其他法律、法規(guī)的，由有關(guān)主管機(jī)關(guān)依法處理。

Article40 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.

第五章 附則

ChapterV Supplementary Provisions

第四十一條 香港特別行政區(qū)、澳門特別行政區(qū)和臺(tái)灣地區(qū)投資者在內(nèi)地設(shè)立汽車金融公司，適用本辦法。

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.

第四十二條 本辦法自2003年10月3日起施行，并由中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)負(fù)責(zé)解釋。

Article42 The Rules enters into effect on October 3, 2003, and the power of the interpretation rests with the China Banking Regulatory Commission.