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General Rules for Loans [Effective]
贷款通则 [现行有效]
【法宝引证码】

 

Order of the People's Bank of China 

中国人民银行令


(No. 2, 1996)
 
(1996年2号)


In accordance with the relevant provisions of the Law of the People's Republic of China on the People's Bank of China and the Law of the People's Republic of China on Commercial Banks, the People's Bank of China has adopted the General Rules for Loans, which are hereby issued and shall come into force on August 1, 1996.
 
根据《中华人民共和国中国人民银行法》、《中华人民共和国商业银行法》的有关规定,中国人民银行制定了《贷款通则》,现予以发布,从1996年8月1日起施行。

Dai Xianglong, Governor of the People's Bank of China
 
中国人民银行行长:戴相龙

June 28, 1996
 
一九九六年六月二十八日

General Rules for Loans
 
贷款通则

 
Table of Contents 目录

 
Chapter I General Provisions 第一章 总则

 
Chapter II Types of Loans 第二章 贷款种类

 
Chapter III Loan Term and Interest Rate 第三章 贷款期限和利率

 
Chapter IV Borrowers 第四章 借款人

 
Chapter V Lenders 第五章 贷款人

 
Chapter VI Loan Procedures 第六章 贷款程序

 
Chapter VII Management of Non-performing Loans 第七章 不良贷款监管

 
Chapter VIII Accountability System for Loan Management 第八章 贷款管理责任制

 
Chapter IX Management of Claim Preservation and Repayment of Loans 第九章 贷款债权保全和清偿的管理

 
Chapter X Special Provisions on Loan Management 第十章 贷款管理特别规定

 
Chapter XI Penalty Provisions 第十一章 罚则

 
Chapter XII Supplementary Provisions 第十二章 附则

 
开弓没有回头箭Chapter I General Provisions 

第一章 总则


 
Article 1 To regulate loan practices, safeguard the lawful rights and interests of lenders and borrowers, ensure the security of credit assets, enhance the overall benefits from loan utilization, and promote the sustainable development of the socialist economy, these General Rules are formulated in accordance with the Law of the People's Republic of China on the People's Bank of China, the Law of the People's Republic of China on Commercial Banks and other relevant legal provisions.   第一条 为了规范贷款行为,维护借贷双方的合法权益,保证信贷资产的安全,提高贷款使用的整体效益,促进社会经济的持续发展,根据《中华人民共和国中国人民银行法》、《中华人民共和国商业银行法》等有关法律规定,制定本通则。

 
Article 2 In these General Rules, “lender” means a Chinese-funded financial institution legally established within the territory of China that is engaged in loan business.   第二条 本通则所称贷款人,系指在中国境内依法设立的经营贷款业务的中资金融机构。

In these General Rules, “borrower” means a legal person, any other economic organization, an individual industrial and commercial household, or a natural person that has obtained a loan from a Chinese-funded financial institution engaged in loan business.
 
本通则所称借款人,系指从经营贷款业务的中资金融机构取得贷款的法人、其他经济组织、个体工商户和自然人。

In these General Rules, “loan” means the monetary funds provided by a lender to a borrower and serviced according to the agreed interest rate and maturity.
 
本通则中所称贷款系指贷款人对借款人提供的并按约定的利率和期限还本付息的货币资金。

In these General Rules, “loan currency” includes Renminbi (RMB) and foreign currencies.
 
本通则中的贷款币种包括人民币和外币。

 
Article 3 Loans shall be provided and utilized in accordance with laws and administrative regulations of the state and administrative rules issued by the People's Bank of China (“PBC”) under the principles of efficiency, safety and liquidity.   第三条 贷款的发放和使用应当符合国家的法律、行政法规和中国人民银行发布的行政规章,应当遵循效益性、安全性和流动性的原则。

 
Article 4 Lending and borrowing activities between a lender and a borrower shall adhere to the principle of equality, free will, fairness, and good faith.   第四条 借款人与贷款人的借贷活动应当遵循平等、自愿、公平和诚实信用的原则。

 
Article 5 In conducting loan business, lenders shall follow the principles of fair competition and close cooperation and shall not commit unfair competition.   第五条 贷款人开展贷款业务,应当遵循公平竞争、密切协作的原则,不得从事不正当竞争。

 
Article 6 The PBC and its branch offices shall be the regulatory authorities for the implementation of these General Rules.   第六条 中国人民银行及其分支机构是实施《贷款通则》的监管机关。

 
Chapter II Types of Loans 

第二章 贷款种类


 
Article 7 Self-operated loans, entrusted loans and special loans:   第七条 自营贷款、委托贷款和特定贷款:

“Self-operated loans” means loans independently provided by lenders using funds legally raised, with loan risks to be assumed by lenders and principal and interest to be recovered by lenders.
 
自营贷款,系指贷款人以合法方式筹集的资金自主发放的贷款,其风险由贷款人承担,并由贷款人收回本金和利息。

“Entrusted loans” means loans funded by clients, such as governmental departments, enterprises, public institutions, and individuals, provided and supervised by lenders (trustees) for clients according to the recipient, purpose, amount, term, interest rate, and other matters of loans as determined by clients, and recovered with the assistance of lenders. Lenders (trustees) shall only charge handling fees without assumption of loan risks.
 
委托贷款,系指由政府部门、企事业单位及个人等委托人提供资金,由贷款人(即受托人)根据委托人确定的贷款对象、用途、金额期限、利率等代为发放、监督使用并协助收回的贷款。贷款人(受托人)只收取手续费,不承担贷款风险。

“Special loans” means loans approved by the State Council and provided by wholly state-owned commercial banks as ordered by the State Council after appropriate remedial measures are taken for losses possibly caused by the loans.
 
特定贷款,系指国务院批准并对贷款可能造成的损失采取相应补救措施后责成国有独资商业银行发放的贷款。

 
Article 8 Short-term loans, medium-term loans and long-term loans:   第八条 短期贷款、中期贷款和长期贷款:

“Short-term loan” means a loan with a term of not more than one year.
 
短期贷款,系指贷款期限在1年以内(含1年)的贷款。

“Medium-term loan” means a loan with a term of more than one year but not more than five years.
 
中期贷款,系指贷款期限在1年以上(不含1年)5年以下(含5年)的贷款。

“Long-term loan” means a loan with a term of more than five years.
 
长期贷款,系指贷款期限在5年(不含5年)以上的贷款。

 
Article 9 Credit loans, secured loans and note discounting:   第九条 信用贷款、担保贷款和票据贴现:

“Credit loan” means a loan provided on the basis of the credit standing of a borrower.
 
信用贷款,系指以借款人的信誉发放的贷款。

“Secured loan” means a surety loan, a mortgage loan, or a pledge loan.
 
担保贷款,系指保证贷款、抵押贷款、质押贷款。

“Surety loan” means a loan provided in the manner of surety as set out in the Guarantee Law of the People's Republic of China, for which a third party undertakes to assume the general surety liability or joint and several liability as agreed on when the borrower fails to repay the loan.
 
保证贷款,系指按《中华人民共和国担保法》规定的保证方式以第三人承诺在借款人不能偿还贷款时,按约定承担一般保证责任或者连带责任而发放的贷款。

“Mortgage loan” means a loan provided in the manner of mortgage as set out in the Guarantee Law of the People's Republic of China, for which any property of the borrower or a third party is mortgaged.
 
抵押贷款,系指按《中华人民共和国担保法》规定的抵押方式以借款人或第三人的财产作为抵押物发放的贷款。

“Pledge loan” means a loan provided in the manner of pledge as set out in the Guarantee Law of the People's Republic of China, for which any chattel or right of the borrower or a third party is pledged.
 
质押贷款,系指按《中华人民共和国担保法》规定的质押方式以借款人或第三人的动产或权利作为质物发放的贷款。

“Note discounting” means a loan provided by a lender in the manner of purchasing undue commercial notes from a borrower.
 
票据贴现,系指贷款人以购买借款人未到期商业票据的方式发放的贷款。

 
Article 10 Except for an entrusted loan, a borrower shall provide security for a loan from a lender. The lender shall strictly examine the repayment ability of a surety, the rights to and value of the mortgaged or pledged property, and the feasibility of realizing the mortgage or pledge.   第十条 除委托贷款以外,贷款人发放贷款,借款人应当提供担保。贷款人应当对保证人的偿还能力,抵押物、质物的权属和价值以及实现抵押权、质权的可行性进行严格审查。

Where a lender is convinced upon examination and evaluation that a borrower has a good credit standing and is definitely able to repay a loan, providing security for the loan may be waived.
 
经贷款审查、评估,确认借款人资信良好,确能偿还贷款的,可以不提供担保。

 
Chapter III Loan Term and Interest Rate 

第三章 贷款期限和利率


 
Article 11 Loan term:   第十一条 贷款期限:

The term of a loan shall be determined by a lender and a borrower after consultations on the basis of the production or other business operation cycle and repayment ability of the borrower and the lender's ability to provide funds and be expressly stated in the loan contract.
 
贷款限期根据借款人的生产经营周期、还款能力和贷款人的资金供给能力由借贷双方共同商议后确定,并在借款合同中载明。

In general, the term of a self-operated loan shall not exceed 10 years; otherwise, a report must be filed with the PBC.
 
自营贷款期限最长一般不得超过10年,超过10年应当报中国人民银行备案。

The term of note discounting shall not exceed six months, starting from the date of discount and ending on the date of maturity of the note.
 
票据贴现的贴现期限最长不得超过6个月,贴现期限为从贴现之日起到票据到期日止。

 
Article 12 Extension of the term of a loan:   第十二条 贷款展期:

Where a borrower is unable to repay a loan as scheduled, the borrower shall apply for extension of the term of the loan to the lender before maturity, and extension shall be granted at the direction of the lender; where a borrower applies for extension of the term of a surety loan, a mortgage loan or a pledge loan, a written certificate of consent shall be issued by the surety, mortgagor or pledgor, except as otherwise agreed on.
 
不能按期归还贷款的,借款人应当在贷款到期日之前,向贷款人申请贷款展期。是否展期由贷款人决定。申请保证贷款、抵押贷款、质押贷款展期的,还应当由保证人、抵押人、出质人出具同意的书面证明。已有约定的,按照约定执行。

The extension of a short-term loan shall not cumulatively exceed the original term of the loan; the extension of a medium-term loan shall not cumulatively exceed half of the original term of the loan; and the extension of a long-term loan shall not cumulatively exceed three years, except as otherwise provided for by the state. Where a borrower fails to apply for extension or its application for extension is rejected, the loan shall be transferred into an overdue loan account from the day immediately following the date of maturity of the loan.
 
短期贷款展期期限累计不得超过原贷款期限;中期贷款展期期限累计不得超过原贷款期限的一半;长期贷款展期期限累计不得超过3年。国家另有规定者除外。借款人未申请展期或申请展期未得到批准,其贷款从到期日次日起,转入逾期贷款帐户。

 
Article 13 Determination of the interest rate for a loan:   第十三条 贷款利率的确定:

A lender shall determine the interest rate for each loan according to the upper and lower limits of interest rate prescribed by the PBC and expressly state it in the loan contract.
 
贷款人应当按照中国人民银行规定的贷款利率上下限,确定每笔贷款利率,并在借款合同中载明。

 
Article 14 Calculation and collection of interest on a loan:   第十四条 贷款利息的计收:

A lender shall calculate and collect and a borrower shall pay interest as scheduled pursuant to the loan contract and relevant provisions on interest accrual of the PBC.
 
贷款人和借款人应当按借款合同和中国人民银行有关计息规定按期计收或交付利息。

Where the sum of extension and the original term of a loan reaches a new term level for interest rate, the interest on the loan shall be calculated and collected at the interest rate for the new term level from the date of extension.
 
贷款的展期期限加上原期限达到新的利率期限档次时,从展期之日起,贷款利息按新的期限档次利率计收。

Penalty interest on overdue loans shall be calculated and collected according to relevant legal provisions.
 
逾期贷款按规定计收罚息。

 
Article 15 Interest discount for loans:   第十五条 贷款的贴息:

To promote the development of certain industries and regional economies, relevant departments may grant interest discounts for loans pursuant to state policies.
 
根据国家政策,为了促进某些产业和地区经济的发展,有关部门可以对贷款补贴利息。

Handling banks shall independently provide upon examination loans with interest discounts granted by relevant departments and exercise strict management according to the relevant provisions of these General Rules.
 
对有关部门贴息的贷款,承办银行应当自主审查发放,并根据本通则有关规定严格管理。

 
Article 16 Interest cessation, reduction, deferral and exemption for loans:   第十六条 贷款停息、减息、缓息和免息;

Except as decided by the State Council, no entity or individual may decide interest cessation, reduction, deferral or exemption. Lenders shall, as decided by the State Council, handle interest cessation, reduction, deferral or exemption within their respective powers and responsibilities.
 
除国务院决定外,任何单位和个人无权决定停息、减息、缓息和免息。贷款人应当依据国务院决定,按照职责权限范围具体办理停息、减息、缓息和免息。

 
Chapter IV Borrowers 

第四章 借款人


 
Article 17 A borrower shall be an enterprise or public institution as a legal person, any other economic organization or an individual industrial and commercial household approved and registered by the administrative authority for industry and commerce (or the competent authority) or a natural person of the nationality of the People's Republic of China with full civil capacity.   第十七条 借款人应当是经工商行政管理机关(或主管机关)核准登记的企(事)业法人、其他经济组织、个体工商户或具有中华人民共和国国籍的具有完全民事行为能力的自然人。

In addition to such basic conditions as marketability of products, profitability of production and other business operations, absence of misappropriation of loan funds, and adherence to good faith, a borrower applying for a loan shall meet the following requirements:
 
借款人申请贷款,应当具备产品有市场、生产经营有效益、不挤占挪用贷款资金、恪守信用等基本条件,并且应当符合以下要求:

 
1. Have the ability to service the loan as scheduled; and have paid all interest payable on previous loans and repaid all due loans; otherwise, have prepared a repayment plan approved by the lender. 一、有按期还本付息的能力,原应付贷款利息和到期贷款已清偿;没有清偿的,已经做了贷款人认可的偿还计划。

 
2. Have undergone annual inspection formalities at the administrative authority for industry and commerce, except for natural persons and public institutions as legal persons that need not be approved and registered by the administrative authorities for industry and commerce. 二、除自然人和不需要经工商部门核准登记的事业法人外,应当经过工商部门办理年检手续。

 
3. Have opened a basic account or an ordinary deposit account. 三、已开立基本帐户或一般存款帐户。

 
4. Have a cumulative amount of external equity investments that does not exceed 50% of its total net assets, if it is a limited liability company or a joint-stock limited company, except as otherwise provided for by the State Council. 四、除国务院规定外,有限责任公司和股份有限公司对外股本权益性投资累计额未超过其净资产总额的50%。

 
5. Have a liability-asset ratio to the satisfaction of the lender. 五、借款人的资产负债率符合贷款人的要求。

 
6. Have a ratio between the ownership interest in the legal-person enterprise under a new project and the total investment required for the project that is not lower than the capital ratio specified by the state for an investment project, if a medium- or long-term loan is applied for. 六、申请中期、长期贷款的,新建项目的企业法人所有者权益与项目所需总投资的比例不低于国家规定的投资项目的资本金比例。

 
Article 18 Rights of a borrower:   第十八条 借款人的权利:

 
1. Have the right to apply independently to the handling department of the lead bank or any other bank for loans and obtain loans according to the relevant conditions; 一、可以自主向主办银行或者其他银行的经办机构申请贷款并依条件取得贷款;

 
2. Have the right to draw and use all funds of a loan as agreed on in the contract; 二、有权按合同约定提取和使用全部贷款;

 
3. Have the right to reject any additional conditions not included in the loan contract; 三、有权拒绝借款合同以外的附加条件;

 
4. Have the right to communicate or report relevant issues to the superiors of lenders and the PBC; and 四、有权向贷款人的上级和中国人民银行反映、举报有关情况;

 
5. Have the right to assign debts to third parties with the consent of lenders. 五、在征得贷款人同意后,有权向第三人转让债务。

 
Article 19 Obligations of a borrower: 来自北大法宝  第十九条 借款人的义务:

 
1. Truthfully provide materials required by lenders (except for materials unavailable pursuant to legal provisions), truthfully provide lenders with information on all banks where it maintains an account, account numbers, and deposit and loan balances, and cooperate with lenders in investigation, examination and inspection; 一、应当如实提供贷款人要求的资料(法律规定不能提供者除外),应当向贷款人如实提供所有开户行、帐号及存贷款余额情况,配合贷款人的调查、审查和检查;

 
2. Accept lenders' supervision over its use of credit funds and relevant business, such as production, and financial activities; 二、应当接受贷款人对其使用信贷资金情况和有关生产经营、财务活动的监督;

 
3. Use a loan for the purposes as agreed on in the loan contract; 三、应当按借款合同约定用途使用贷款;

 
4. Service a loan in a timely manner as agreed on in the loan contract; 四、应当按借款合同约定及时清偿贷款本息;

 
5. Obtain the consent of lenders to assign all or part of a debt to a third parity; and 五、将债务全部或部分转让给第三人的,应当取得贷款人的同意;

 
6. Inform lenders in a timely manner of any circumstances threatening the safety of rights of lenders and concurrently adopt preservative measures. 六、有危及贷款人债权安全情况时,应当及时通知贷款人,同时采取保全措施。

 
Article 20 Restrictions on a borrower:   第二十条 对借款人的限制:

 
1. A borrower shall not obtain loans from two or more branch offices of a lender which are at the same level and within the same jurisdiction. 一、不得在一个贷款人同一辖区内的两个或两个以上同级分支机构取得贷款。

 
2. A borrower shall not provide a lender with balance sheets, income statements, and other documents that are false or conceal material facts. 二、不得向贷款人提供虚假的或者隐瞒重要事实的资产负债表、损益表等。

 
3. A borrower shall not use a loan for equity investment purposes, except as otherwise provided for by the state. 三、不得用贷款从事股本权益性投资,国家另有规定的除外。

 
4. A borrower shall not use a loan for speculation in negotiable securities, futures, and other areas. 四、不得用贷款在有价证券、期货等方面从事投机经营。

 
5. A borrower shall not use a loan for operating the real estate business, unless it has been legally qualified for operating the real estate business; and a borrower legally qualified for operating the real estate business shall not use a loan for real estate speculation. 五、除依法取得经营房地产资格的借款人以外,不得用贷款经营房地产业务;依法取得经营房地产资格的借款人,不得用贷款从事房地产投机。

 
6. A borrower shall not obtain a loan for the purpose of seeking illegal gains through on-lending. 六、不得套取贷款用于借贷牟取非法收入。

 
7. A borrower shall not use a loan in foreign currency in violation of the provisions of the state on foreign exchange administration. 七、不得违反国家外汇管理规定使用外币贷款。

 
8. A borrower shall not obtain a loan by fraudulent means. 八、不得采取欺诈手段骗取贷款。

 
Chapter V Lenders 

第五章 贷款人


 
Article 21 Lenders must conduct the loan business with the approval of the PBC, hold a Legal-Person Financial Institution License or a Financial Institution Business License issued by the PBC, and have been approved and registered by the administrative authorities for industry and commerce.   第二十一条 贷款人必须经中国人民银行批准经营贷款业务,持有中国人民银行颁发的《金融机构法人许可证》或《金融机构营业许可证》,并经工商行政管理部门核准登记。

 
Article 22 Rights of a lender:   第二十二条 贷款人的权利:

Lenders shall have the right to independently examine and decide on loan applications according to the loan conditions and procedures and, except for special loans approved by the State Council, have the right to reject an order from any entity or individual forcing the provision of a loan or security.
 
根据贷款条件和贷款程序自主审查和决定贷款,除国务院批准的特定贷款外,有权拒绝任何单位和个人强令其发放贷款或者提供担保。

 
1. Have the right to require borrowers to provide materials related to loans; 一、要求借款人提供与借款有关的资料;

 
2. Have the right to approve or reject loan applications and determine the amount, term, interest rate, and other matters of loans, based on the conditions of borrowers; 二、根据借款人的条件,决定贷与不贷、贷款金额、期限和利率等;

 
3. Have the right to obtain information on the business, such as production, and financial activities of borrowers; 三、了解借款人的生产经营活动和财务活动;

 
4. Have the right to transfer corresponding amounts from the accounts of borrowers for the purpose of servicing a loan as agreed on in the contracts; 四、依合同约定从借款人帐户上划收贷款本金和利息;

 
5. Have the right to require a borrower to repay a loan ahead of schedule or have the right to cease providing the part of a loan unused by the borrower as agreed on in the loan contract, if the borrower fails to perform its obligations under the loan contract; and 五、借款人未能履行借款合同规定义务的,贷款人有权依合同约定要求借款人提前归还贷款或停止支付借款人尚未使用的贷款;

 
6. Have the right to take measures for avoiding loan losses as agreed on in the contract, if any loan loss is to occur or has occurred. 六、在贷款将受或已受损失的,可依据合同规定,采取使贷款免受损失的措施。

 
Article 23 Obligations of a lender:   第二十三条 贷款人的义务:

 
1. Make public the types, terms and interest rates of loans provided and provide advisory services for borrowers. 一、应当公布所经营的贷款的种类、期限和利率,并向借款人提供咨询。

 
2. Make public the credit standing requirements for examination of loan applications and the conditions for provision of loans. 二、应当公开贷款审查的资信内容和发放贷款的条件。

 
3. Assess loan applications from borrowers and make a timely reply on whether to provide a loan. The time limit for reply to short-term loans shall not exceed one month, and that to medium and long-term loans shall not exceed six months, except as otherwise provided for by the state. 三、贷款人应当审议借款人的借款申请,并及时答复贷与不贷。短期贷款答复时间不得超过1个月,中期、长期贷款答复时间不得超过六个月;国家另有规定者除外。

 
4. Keep confidential the debts, financial status, production, and other business operations of borrowers, except for inquiries made pursuant to the law. 四、应当对借款人债务、财务、生产、经营情况保密,但对依法查询者除外。

 
Article 24 Restrictions on a lender:   第二十四条 对贷款人的限制:

 
1. Loans shall be provided in strict compliance with the liability-asset ratio management provisions of Article 39 of the Law of the People's Republic of China on Commercial Banks and the prohibitive provisions of Article 40 thereof: providing credit loans to affiliated parties shall be prohibited and the conditions for providing secured loans to affiliated parties shall not be more favorable than those for providing loans of the same type to other borrowers. 一、贷款的发放必须严格执行《中华人民共和国商业银行法》第三十九条关于资产负债比例管理的有关规定,第四十条关于不得向关系人发放信用贷款、向关系人发放担保贷款的条件不得优于其他借款人同类贷款条件的规定。

 
2. No loans shall be provided to a borrower falling under any of the following circumstances: 二、借款人有下列情形之一者,不得对其发放贷款:

 
(1) Fail to obtain the qualification and meet the conditions as set out in Article 17 of Chapter IV of these General Rules; (一)不具备本通则第四章第十七条所规定的资格和条件的;

 
(2) Produce, deal in, or invest in any product or project expressly prohibited by the state; (二)生产、经营或投资国家明文禁止的产品、项目的;

 
(3) Violate the provisions of the state on foreign exchange administration; (三)违反国家外汇管理规定的;

 
(4) Fail to obtain the approval documents for a construction project provided that such a project shall be reported to the relevant authorities for approval according to the relevant provisions of the state; (四)建设项目按国家规定应当报有关部门批准而未取得批准文件的;

 
(5) Fail to obtain an approval from the environmental protection department for a production or other business operation project or for an investment project; (五)生产经营或投资项目未取得环境保护部门许可的;

 
(6) Fail to repay previous loans, arrange for actual repayment of previous loans, or provide appropriate security, in the course of institutional transformation, such as implementation of contracting, lease, association, merger (acquisition), joint venture, split, compensatory assignment of property rights, and shareholding reform; or (六)在实行承包、租赁、联营、合并(兼并)、合作、分立、产权有偿转让、股份制改造等体制变更过程中,未清偿原有贷款债务、落实原有贷款债务或提供相应担保的;

 
(7) Otherwise seriously violate law in business operations. (七)有其他严重违法经营行为的。

 
3. Lenders shall not provide loans in foreign currencies to natural persons without the approval of the PBC. 三、未经中国人民银行批准,不得对自然人发放外币币种的贷款。

 
4. No fees other than interest calculated and collected according to the provisions of the PBC may be charged for self-operated loans and special loans; no fees other than handling fees calculated and collected according to the provisions of the PBC shall be charged for entrusted loans. 四、自营贷款和特定贷款,除按中国人民银行规定计收利息之外,不得收取其他任何费用;委托贷款,除按中国人民银行规定计收手续费之外,不得收取其他任何费用。

 
5. No funds shall be advanced to clients in providing entrusted loans, except as otherwise provided for by the state. 五、不得给委托人垫付资金,国家另有规定的除外。

 
6. Credit loans shall be strictly controlled and secured loans shall be actively promoted. 六、严格控制信用贷款,积极推广担保贷款。

 
Chapter VI Loan Procedures 

第六章 贷款程序


 
Article 25 Loan applications:   第二十五条 贷款申请:

A borrower needing a loan shall apply directly to the handling department of the lead bank or any other bank.
 
借款人需要贷款,应当向主办银行或者其他银行的经办机构直接申请。

A borrower shall fill out a Loan Application From, including the amount and purposes of a loan, repayment ability, repayment methods and other major information, and provide the following materials:
 
借款人应当填写包括借款金额、借款用途、偿还能力及还款方式等主要内容的《借款申请书》并提供以下资料:

 
1. basic information on the borrower and surety; 一、借款人及保证人基本情况;

 
2. financial reports of the previous year as approved by the public finance department or an accounting (auditing) firm and financial reports of the period immediately before the loan application; 二、财政部门或会计(审计)事务所核准的上年度财务报告,以及申请借款前一期的财务报告;

 
3. information on corrections made regarding previous improper use of loans; 三、原有不合理占用的贷款的纠正情况;

 
4. a list of mortgaged or pledged property, certificates of consent to mortgage or pledge issued by persons entitled to disposition, and a certification document on a surety's intention to agree to provide guarantee; 四、抵押物、质物清单和有处分权人的同意抵押、质押的证明及保证人拟同意保证的有关证明文件;

 
5. the project proposal and feasibility report; and 五、项目建议书和可行性报告;

 
6. other relevant materials required by the lender. 六、贷款人认为需要提供的其他有关资料。

 
Article 26 Credit rating evaluation of borrowers:   第二十六条 对借款人的信用等级评估:

The credit rating of a borrower shall be evaluated according to a range of factors such as the competence of leaders, financial strength, capital structure, performance of contracts, business profitability, and development potential of the borrower. Rating may be conducted independently and controlled internally by the lender or be conducted by a rating agency approved by the competent department.
 
应当根据借款人的领导者素质、经济实力、资金结构、履约情况、经营效益和发展前景等因素,评定借款人的信用等级。评级可由贷款人独立进行,内部掌握,也可由有权部门批准的评估机构进行。

 
Article 27 Loan investigation:   第二十七条 贷款调查:

After accepting an application from a borrower, a lender shall investigate the credit rating of the borrower and the legality, safety, profitability and other aspects of the loan, verify information on the mortgaged or pledged property and the surety, and measure the risk degree of the loan.
 
贷款人受理借款人申请后,应当对借款人的信用等级以及借款的合法性、安全性、盈利性等情况进行调查,核实抵押物、质物、保证人情况,测定贷款的风险度。

 
Article 28 Loan examination and approval:   第二十八条 贷款审批:

A lender shall establish a loan management system featuring separated and hierarchic examination and approval. The examiners shall verify and assess the materials provided by the investigators, re-measure the risk degree of a loan, offer opinions, and report for approval according to the prescribed powers.
 
贷款人应当建立审贷分离、分级审批的贷款管理制度。审查人员应当对调查人员提供的资料进行核实、评定,复测贷款风险度,提出意见,按规定权限报批。

 
Article 29 Conclusion of loan contracts:   第二十九条 签订借款合同:

For any loan, the lender and the borrower shall enter into a loan contract. The loan contract shall specify the type, purpose, amount, interest rate, and term of the loan, the repayment methods, the rights and obligations of the borrower and the lender, the liabilities for breach of contract, and other matters deemed necessary by both parties.
 
所有贷款应当由贷款人与借款人签订借款合同。借款合同应当约定借款种类,借款用途、金额、利率,借款期限,还款方式,借、贷双方的权利、义务,违约责任和双方认为需要约定的其他事项。

For surety loans, the surety and the lender shall enter into a surety contract, or a surety clause shall be included in the loan contract as agreed on by the surety and the lender through consultations, to which the corporate seal of the surety and the signature of the legal representative or the authorized agent of the surety shall be affixed. For mortgage loans or pledge loans, the mortgagor or pledgor and the lender shall enter into a mortgage or pledge contract, and if registration is required, registration shall be made in accordance with the law.
 
保证贷款应当由保证人与贷款人签订保证合同,或保证人在借款合同上载明与贷款人协商一致的保证条款,加盖保证人的法人公章,并由保证人的法定代表人或其授权代理人签署姓名。抵押贷款、质押贷款应当由抵押人、出质人与贷款人签订抵押合同、质押合同,需要办理登记的,应依法办理登记。

 
Article 30 Provision of loans:   第三十条 贷款发放:

A lender shall provide loans as scheduled according the provisions of the loan contract; otherwise, shall pay liquidated damages. A borrower failing to use a loan as agreed on in the loan contract shall pay liquidated damages.
 
贷款人要按借款合同规定按期发放贷款。贷款人不按合同约定按期发放贷款的,应偿还违约金。借款人不按合同约定用款的,应偿付违约金。

 
Article 31 Post-loan inspections:   第三十一条 贷后检查:

After providing a loan, a lender shall conduct follow-up investigation and inspection on the borrower's performance of the loan contract and business operations.
 
贷款发放后,贷款人应当对借款人执行借款合同情况及借款人的经营情况进行追踪调查和检查。

 
Article 32 Loan repayment:   第三十二条 贷款归还:

A borrower shall service a loan on schedule and in full amount according to the provisions of the loan contract.
 
借款人应当按照借款合同规定按时足额归还贷款本息。

The lender shall, one week before maturity of a short-term loan or one month before maturity of a medium- or long-term loan, send a notice of servicing of the loan to the borrower; and the borrower shall make financial arrangements in a timely manner to ensure that the loan is serviced as scheduled.
 
贷款人在短期贷款到期1个星期之前、中长期贷款到期1个月之前,应当向借款人发送还本付息通知单;借款人应当及时筹备资金,按时还本付息。

The lender shall issue a notice of collection for an overdue loan in a timely manner and effectively recover the principal of an overdue loan and interest thereon.
 
贷款人对逾期的贷款要及时发出催收通知单,做好逾期贷款本息的催收工作。

For loans that are not repaid within the term specified in the loan contract, the lender shall collect penalty interest according to the relevant provisions; and where the borrower is unable to repay or arrange for the actual servicing of a loan, the lender shall urge repayment or file a lawsuit in accordance with the law.
 
贷款人对不能按借款合同约定期限归还的贷款,应当按规定加罚利息;对不能归还或者不能落实还本付息事宜的,应当督促归还或者依法起诉。

To repay a loan ahead of schedule, a borrower shall consult with the lender.
 
借款人提前归还贷款,应当与贷款人协商。

 

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Chapter VII Management of Non-performing Loans
 

第七章 不良贷款监管


 
Article 33 A lender shall establish an effective quality management system for loans, and categorize, register, assess and collect non-performing loans.   第三十三条 贷款人应当建立和完善贷款的质量监管制度,对不良贷款进行分类、登记、考核和催收。

 
Article 34 Non-performing loans include bad loans, idle loans, and overdue loans.   第三十四条 不良贷款系指呆帐贷款、呆滞贷款、逾期贷款。

“Bad loan” means a loan listed as a bad debt according to the relevant provisions of the Ministry of Finance.
 
呆帐贷款,系指按财政部有关规定列为呆帐的贷款。

“Idle loan” means a loan (other than a bad loan) not repaid within the prescribed time limit after expiration of the loan term (including extension of the loan term) or a loan not overdue or not exceeding the prescribed time limit after expiration of the loan term but with the funded production or other business operation terminated or the funded project construction suspended, according to the relevant provisions of the Ministry of Finance.
 
呆滞贷款,系指按财政部有关规定,逾期(含展期后到期)超过规定年限以上仍未归还的贷款,或虽未逾期或逾期不满规定年限但生产经营已终止、项目已停建的贷款(不含呆帐贷款)。

“Overdue loan” means a loan (other than a bad loan and an idle loan) not repaid at the expiration of the loan term (including extension) as agreed on in the loan contract.
 
逾期贷款,系指借款合同约定到期(含展期后到期)未归还的贷款(不含呆滞贷款和呆帐贷款)。

 
Article 35 Registration of non-performing loans:   第三十五条 不良贷款的登记:

Non-performing loan data shall be provided by the accounting and credit departments and audited and recognized according to the relevant provisions by the auditing department. A statement of non-performing loans shall be prepared by a lender on a quarterly basis and reported to the superior bank and the local branch office of the PBC concurrently.
 
不良贷款由会计、信贷部门提供数据,由稽核部门负责审核并按规定权限认定,贷款人应当按季填报不良贷款情况表。在报上级行的同时,应当报中国人民银行当地分支机构。

 
Article 36 Assessment of non-performing loans:   第三十六条 不良贷款的考核:

Bad loans, idle loans, and overdue loans of a lender shall not exceed the percentages prescribed by the PBC. A lender shall set and assess indicators related to bad loans, idle loans, and overdue loans for its branch offices.
 
贷款人的呆帐贷款、呆滞贷款、逾期贷款不得超过中国人民银行规定的比例。贷款人应当对所属分支机构下达和考核呆帐贷款、呆滞贷款和逾期贷款的有关指标。

 
Article 37 Collection of non-performing loans and write-off of bad loans:   第三十七条 不良贷款的催收和呆帐贷款的冲销:

The credit department shall be responsible for collecting non-performing loans, and the auditing department shall be responsible for collection inspection. A lender shall maintain a provision for bad loans according to the relevant provisions of the state and write off bad loans according to the write-off conditions and procedures.
 
信贷部门负责不良贷款的催收,稽核部门负责对催收情况的检查。贷款人应当按照国家有关规定提取呆帐准备金,并按照呆帐冲销的条件和程序冲销呆帐贷款。

A lender shall not exempt a borrower from loan repayment without the approval of the State Council. No entity or individual may force a lender to grant such exemption, except with the approval of the State Council.
 
未经国务院批准,贷款人不得豁免贷款。除国务院批准外,任何单位和个人不得强令贷款人豁免贷款。

 
Chapter VIII Accountability System for Loan Management 

第八章 贷款管理责任制


 
Article 38 A bank president (or manager or director) responsibility system shall be adopted for loan management.   第三十八条 贷款管理实行行长(经理、主任,下同)负责制。

Hierarchical management shall be adopted for loans. Bank presidents at each level shall be fully responsible for the provision and recovery of loans within the extent of authorization. A bank president may authorize a bank vice president or the loan management department to take charge of loan examination and approval, and the bank vice president or the head of the loan management department shall be responsible to the bank president.
 
贷款实行分级经营管理。各级行长应当在授权范围内对贷款的发放和收回负全部责任。行长可以授权副行长或贷款管理部门负责审批贷款,副行长或贷款管理部门负责人应当对行长负责。

 
Article 39 The institutions of a lender at each level shall form a loan examination committee (team) comprising the bank president or vice president(s) (or manager or director) and persons in charge of relevant departments to be responsible for loan examination.   第三十九条 贷款人各级机构应当建立有行长或副行长(经理、主任,下同)和有关部门负责人参加的贷款审查委员会(小组),负责贷款的审查。

 
Article 40 Separation of investigation and examination for loan applications:   第四十条 建立审贷分离制:

Loan investigators or assessors shall conduct the investigation or assessment for loan applications and be responsible for erroneous investigation results or inaccurate assessment. Loan examiners shall conduct the examination of loan risks and be responsible for erroneous examination results. Loan provision personnel shall conduct the inspection and recovery of loans and be responsible for inspection errors and ineffective recovery of loans.
 
贷款调查评估人员负责贷款调查评估,承担调查失误和评估失准的责任;贷款审查人员负责贷款风险的审查,承担审查失误的责任;贷款发放人员负责贷款的检查和清收,承担检查失误、清收不力的责任。

 
Article 41 Hierarchical loan approval system:   第四十一条 建立贷款分级审批制:

A lender shall determine the loan approval authorization for each branch office on the basis of business volume, management competence and loan risks, and loans beyond the loan approval authorization shall be reported to the superior institution for approval. Branch offices shall determine the risk degree of each loan according to the type of the loan, the credit rating of the borrower, and information on the mortgaged or pledged property or the surety.
 
贷款人应当根据业务量大小、管理水平和贷款风险度确定各级分支机构的审批权限,超过审批权限的贷款,应当报上级审批。各级分支机构应当根据贷款种类、借款人的信用等级和抵押物、质物、保证人等情况确定每一笔贷款的风险度。

 
Article 42 Establishment of an effective credit post accountability system:   第四十二条 建立和健全信贷工作岗位责任制:

Loan management departments at each level shall assign the management responsibilities at each stage of loan management to departments, posts and individuals and strictly allocate the duties of credit personnel at various levels.
 
各级贷款管理部门应将贷款管理的每一个环节的管理责任落实到部门、岗位、个人,严格划分各级信贷工作人员的职责。

 
Article 43 A lender shall establish a resident credit personnel system for applicants for large loans.   第四十三条 贷款人对大额借款人建立驻厂信贷员制度。

 
Article 44 Establishment of a departure auditing system:   第四十四条 建立离职审计制:

When loan management personnel are removed from their posts, an audit shall be conducted regarding the risks of loans provided by them within the extent of authorization during their terms of office.
 
贷款管理人员在调离原工作岗位时,应当对其在任职期间和权限内所发放的贷款风险情况进行审计。

 
Chapter IX Management of Claim Preservation and Repayment of Loans 

第九章 贷款债权保全和清偿的管理


 
Article 45 Borrowers shall not evade debts owed to banks or embezzle credit funds by such means as merger, acquisition, bankruptcy, or shareholding reform in violation of law; and shall not evade credit supervision from lenders or servicing of loans by such means as contracting or lease. 离婚不离婚是人家自己的事  第四十五条 借款人不得违反法律规定,借兼并、破产或者股份制改造等途径,逃避银行债务,侵吞信贷资金;不得借承包、租赁等途径逃避贷款人的信贷监管以及偿还贷款本息的责任。

 
Article 46 Lenders shall be entitled to participation in the debt restructuring of borrowers in a process such as merger, acquisition, bankruptcy or shareholding reform and require borrowers to arrange for the actual servicing of loans.   第四十六条 贷款人有权参与处于兼并、破产或股份制改造等过程中的借款人的债务重组,应当要求借款人落实贷款还本付息事宜。

 
Article 47 A lender shall require a borrower that contracts out or leases out its business to clearly arrange for the actual repayment of existing loans in the relevant contract or lease.   第四十七条 贷款人应当要求实行承包、租赁经营的借款人,在承包、租赁合同中明确落实原贷款债务的偿还责任。

 
Article 48 A lender shall require a borrower undergoing shareholding reform to enter into a new loan contract to specify the obligation to repay the original loan.   第四十八条 贷款人对实行股份制改造的借款人,应当要求其重新签订借款合同,明确原贷款债务的清偿责任。

For a borrower undergoing shareholding reform as a whole, it shall be specified that the loans owed by the borrower shall be fully assumed by the company formed after the reform. For a borrower undergoing shareholding reform in part, the joint-stock company formed after the reform shall be required to assume the loans owed by the borrower according to the proportion of capital or assets of the borrower occupied by the company.
 
对实行整体股份制改造的借款人,应当明确其所欠贷款债务由改造后公司全部承担;对实行部分股份制改造的借款人,应当要求改造后的股份公司按占用借款人的资本金或资产的比例承担原借款人的贷款债务。

 
Article 49 For a borrower that forms a new enterprise legal person after association, a lender shall require the borrower to transfer loans owed to the lender to the new enterprise legal person according to the proportion of capital or assets of the borrower occupied by the new enterprise legal person.   第四十九条 贷款人对联营后组成新的企业法人的借款人,应当要求其依据所占用的资本金或资产的比例将贷款债务落实到新的企业法人。

 
Article 50 A lender shall require a borrower that undergoes business combination (merger or acquisition) to repay loans or provide appropriate security before business combination (merger or acquisition).   第五十条 贷款人对合并(兼并)的借款人,应当要求其在合并(兼并)前清偿贷款债务或提供相应的担保。

Where the borrower fails to repay loans or provide appropriate security, the lender shall require the enterprise surviving the business combination (merger or acquisition) or the new enterprise established after the business combination to assume the obligation to repay loans of the borrower, and enter into a new relevant contract or agreements with the enterprise.
 
借款人不清偿贷款债务或未提供相应担保,贷款人应当要求合并(兼并)企业或合并后新成立的企业承担归还原借款人贷款的义务,并与之重新签订有关合同或协议。

 
Article 51 For a borrower that forms an equity (or contractual) joint venture with a foreign party, a lender shall require the borrower to continue to assume the obligation to repay loans obtained before the formation of the equity (or contractual) joint venture, and require that the proceeds derived therefrom be used first to repay loans. Consent of the lender must be obtained, where a borrower contributes to an equity (or contractual) joint venture with a foreign party any property that has been mortgaged or pledged for loans.   第五十一条 贷款人对与外商合资(合作)的借款人,应当要求其继续承担合资(合作)前的贷款归还责任,并要求其将所得收益优先归还贷款。借款人用已作为贷款抵押、质押的财产与外商合资(合作)时必须征求贷款人同意。

 
Article 52 For a borrower that splits up, a lender shall require the borrower to repay loans or provide appropriate security before split.   第五十二条 贷款人对分立的借款人,应当要求其在分立前清偿贷款债务或提供相应的担保。

Where the borrower fails to repay loans or provide appropriate security, the lender shall require each of the enterprises resulting from the split to assume the obligation to repay loans owed by the borrower in proportion to their respective capital or assets occupied or as agreed on at the time of split. If the borrower has any subsidiary, the lender shall require the subsidiary to assume the obligation to repay loans owed by the parent company in proportion to the capital or assets acquired.
 
借款人不清偿贷款债务或未提供相应担保,贷款人应当要求分立后的各企业,按照分立时所占资本或资产比例或协议,对原借款人所欠贷款承担清偿责任。对设立子公司的借款人,应当要求其子公司按所得资本或资产的比例承担和偿还母公司相应的贷款债务。

 
Article 53 Lenders shall require borrowers conducting compensatory assignment of property rights or applying for dissolution to arrange for the actual repayment of loans before assignment or dissolution.   第五十三条 贷款人对产权有偿转让或申请解散的借款人,应当要求其在产权转让或解散前必须落实贷款债务的清偿。

 
Article 54 A lender shall, in accordance with relevant laws, participate in the recognition of bankruptcy property and disposal of rights and liabilities of a borrower, and for loans secured by the bankrupt borrower with mortgaged or pledged property or otherwise, the lender shall have priority in receiving compensation in accordance with the law. For loans not secured by any property, compensation shall be received in accordance with the statutory procedures and proportions.   第五十四条 贷款人应当按照有关法律参与借款人破产财产的认定与债权债务的处置,对于破产借款人已设定财产抵押、质押或其他担保的贷款债权,贷款人依法享有优先受偿权;无财产担保的贷款债权按法定程序和比例受偿。

 
Chapter X Special Provisions on Loan Management 

第十章 贷款管理特别规定


 
Article 55 Establishment of a lead bank system of loans:   第五十五条 建立贷款主办行制度:

A borrower shall, according to the provisions of the PBC, create a lead bank relationship for loans with a lender where it opens a basic account.
 
借款人应按中国人民银行的规定与其开立基本帐户的贷款人建立贷款主办行关系。

Where a borrower undergoes any major economic activity that involves the use and safety of credit funds, such as enterprise split, shareholding reform or construction of a major project, the borrower shall solicit the opinions of the lead bank in advance. One borrower shall have only one lead bank for loans, which shall change as the basic account of the borrower changes.
 
借款人发生企业分立、股份制改造、重大项目建设等涉及信贷资金使用和安全的重大经济活动,事先应当征求主办行的意见。一个借款人只能有一个贷款主办行,主办行应当随基本帐户的变更而变更。

A lead bank shall not guarantee funds to the borrower, but shall provide loans to the borrower as planned according to the relevant provisions as well as necessary information consultation, agency, and other financial services for the borrower.
 
主办行不包资金,但应当按规定有计划地对借款人提供贷款,为借款人提供必要的信息咨询、代理等金融服务。

The rules and implementing measures for lead banks shall be separately issued by the PBC.
 
贷款主办行制度与实施办法,由中国人民银行另行规定。

 
Article 56 In the case of a syndicated loan, one of the lenders shall be designated as the lead bank, a syndicated loan agreement specifying the rights and obligations of each lender shall be concluded, and all lenders shall jointly examine the projects funded by the loan. The lead bank shall oversee loan repayment according to the proportions specified in the agreement. The administrative measures for syndicated loans shall be separately issued by the PBC.   第五十六条 银团贷款应当确定一个贷款人为牵头行,并签订银团贷款协议,明确各贷款人的权利和义务,共同评审贷款项目。牵头行应当按协议确定的比例监督贷款的偿还。银团贷款管理办法由中国人民银行另行规定。

 
Article 57 Management of special loans:   第五十七条 特定贷款管理:

Wholly state-owned commercial banks shall provide and manage special loans according to the provisions of the State Council.
 
国有独资商业银行应当按国务院规定发放和管理特定贷款。

The administrative measures for special loans shall be separately issued.
 
特定贷款管理办法另行规定。

 
Article 58 The types, recipients and scope of loans provided by non-banking financial institutions shall comply with the provisions of the PBC.   第五十八条 非银行金融机构贷款的种类、对象、范围,应当符合中国人民银行规定。

 
Article 59 Where a lender provides any loan in a different place or accepts any deposit in a different place, a relevant report shall be filed with the branch office of the PBC in the different place.   第五十九条 贷款人发放异地贷款,或者接受异地存款,应当报中国人民银行当地分支机构备案。

 
Article 60 Credit funds shall not be used for fiscal expenditures.   第六十条 信贷资金不得用于财政支出。

 
Article 61 All government departments, enterprises, public institutions, economic cooperation organizations such as supply and marketing cooperatives, rural cooperative foundations, and other foundations shall not provide financial business such as deposits and loans. Lending and borrowing, including those in covert form, between enterprises shall not violate the relevant provisions of the state.   第六十一条 各级行政部门和企事业单位、供销合作社等合作经济组织、农村合作基金会和其他基金会,不得经营存贷款等金融业务。企业之间不得违反国家规定办理借贷或者变相借贷融资业务。

 
Chapter XI Penalty Provisions 

第十一章 罚则


 
Article 62 Where a lender provides a loan in violation of the liability-asset ratio management provisions, the PBC shall order the lender to make correction, impose a fine on the lender, and confiscate illegal gains if any in accordance with Article 75 of the Law of the People's Republic of China on Commercial Banks, and punish the directly liable person in charge and other directly liable persons in accordance with Article 76 thereof.   第六十二条 贷款人违反资产负债比例管理有关规定发放贷款的,应当依照《中华人民共和国商业银行法》第七十五条,由中国人民银行责令改正,处以罚款,有违法所得的没收违法所得,并且应当依照第七十六条对直接负责的主管人员和其他直接责任人员给予处罚。

 
Article 63 Where a lender provides a credit loan to any affiliated party or provides a secured loan to any affiliated party on conditions more favorable than those for other borrowers, the lender shall be punished in accordance with Article 74 of the Law of the People's Republic of China on Commercial Banks, and the relevant directly liable persons shall be punished in accordance with Article 76 thereof.   第六十三条 贷款人违反规定向关系人发放信用贷款或者发放担保贷款的条件优于其他借款人同类贷款条件的,应当依照《中华人民共和国商业银行法》第七十四条处罚,并且应当依照第七十六条对有关直接责任人员给予处罚。

 
Article 64 Where a staffer of a lender fails to refuse an order from an entity or individual forcing the provision of a loan or security, a disciplinary action shall be taken against the staffer in accordance with Article 85 of the Law of the People's Republic of China on Commercial Banks, and the staffer shall assume corresponding compensatory liability for any loss resulting therefrom.   第六十四条 贷款人的工作人员对单位或者个人强令其发放贷款或者提供担保未予拒绝的,应当依照《中华人民共和国商业银行法》第八十五条给予纪律处分,造成损失的应当承担相应的赔偿责任。

 
Article 65 Where a relevant responsible person of a lender violates the relevant provisions of these General Rules, the person shall be subject to a disciplinary action and a fine; in the case of serious circumstances or repeated violations, shall be removed from his or her post and disqualified for his or her post; and if an economic crime is constituted for the substantial economic losses caused or otherwise, shall be subject to criminal liability in accordance with the law.   第六十五条 贷款人的有关责任人员违反本通则有关规定,应当给予纪律处分和罚款;情节严重或屡次违反的,应当调离工作岗位,取消任职资格;造成严重经济损失或者构成其他经济犯罪的,应当依照有关法律规定追究刑事责任。

 
Article 66 The PBC shall order a lender to make correction and, if no correction is made within a certain time limit, may impose a fine of not less than 5,000 yuan but not more than 10,000 yuan on the lender, where the lender:   第六十六条 贷款人有下列情形之一,由中国人民银行责令改正;逾期不改正的,中国人民银行可以处以5千元以上1万元以下罚款:

 
1. fails to make public the types, terms and interest rates of loans provided; 一、没有公布所经营贷款的种类、期限、利率的;

 
2. fails to make public the conditions for provision of a loan and information to be examined before provision of a loan; or 二、没有公开贷款条件和发放贷款时要审查的内容的;

 
3. fails to reply to a loan application of a borrower within the prescribed time limit. 三、没有在规定期限内答复借款人贷款申请的。

 
Article 67 The PBC shall order a lender to make correction and confiscate the lender's illegal gains if any and impose a fine of not less than the amount but not more than three times the amount of illegal gains on the lender or, in the absence of illegal gains, impose a fine of not less than 50,000 yuan but not more than 300,000 yuan on the lender; and if a crime is constituted, the lender shall be subject to criminal liability in accordance with the law, where the lender:   第六十七条 贷款人有下列情形之一,由中国人民银行责令改正;有违法所得的,没收违法所得,并处以违法所得1倍以上3倍以下罚款;没有违法所得的,处以五万元以上三十万元以下罚款;构成犯罪的,依法追究刑事责任:

 
1. advances funds of an entrusted loan in violation of the relevant provisions; 一、贷款人违反规定代垫委托贷款资金的;

 
2. provides a loan in a foreign currency to a natural person without the approval of the PBC; or 二、未经中国人民银行批准,对自然人发放外币贷款的;

 
3. charges any fees other than interest for self-operated loans or special loans or charges any fees other than handling fees for entrusted loans, in violation of the provisions of the PBC. 三、贷款人违反中国人民银行规定,对自营贷款或者特定贷款在计收利息之外收取其他任何费用的,或者对委托贷款在计收手续费之外收取其他任何费用的。

 
Article 68 Where an entity or individual forces a bank to provide a loan or security, disciplinary actions shall be taken against the directly liable person in charge and other directly liable persons of the entity or against the individual in accordance with Article 85 of the Law of the People's Republic of China on Commercial Banks; and the entity or individual shall assume all or part of the compensatory liability for any economic loss resulting therefrom.   第六十八条 任何单位和个人强令银行发放贷款或者提供担保的,应当依照《中华人民共和国商业银行法》第八十五条,对直接负责的主管人员和其他直接责任人员或者个人给予纪律处分;造成经济损失的,承担全部或者部分赔偿责任。

 
Article 69 Where a borrower commits a crime for obtaining a loan by fraudulent means, the borrower shall be fined and subject to criminal liability in accordance with Article 80 of the Law of the People's Republic of China on Commercial Banks and other legal provisions.   第六十九条 借款人采取欺诈手段骗取贷款,构成犯罪的,应当依照《中华人民共和国商业银行法》第八十条等法律规定处以罚款并追究刑事责任。

 
Article 70 Where, in violation of Article 45 of Chapter IX of these General Rules, a borrower deliberately embezzles credit funds by such means as merger, acquisition, bankruptcy, or shareholding reform, the borrower shall assume corresponding compensatory liability and be fined according to the relevant legal provisions; and if substantial economic losses are caused to the lender, the directly liable persons of the borrower shall be subject to criminal liability according to the relevant legal provisions.   第七十条 借款人违反本通则第九章第四十五条规定,蓄意通过兼并、破产或者股份制改造等途径侵吞信贷资金的,应当依据有关法律规定承担相应部分赔偿责任并处以罚款;造成贷款人重大经济损失的,应当依照有关法律规定追究直接责任人员的刑事责任。

Where a borrower violates any other provisions of Chapter IX of these General Rules, resulting in no arrangements for the actual repayment of loans, the lender shall cease providing new loans and recover previous loans ahead of schedule. If any loss is caused to credit assets, the borrower and its person in charge or any other individual shall assume all or part of the compensatory liability. No other lender may provide loans to such a borrower before the compensatory liability is fulfilled.
 
借款人违反本通则第九章其他条款规定,致使贷款债务落空,由贷款人停止发放新贷款,并提前收回原发放的贷款。造成信贷资产损失的,借款人及其主管人员或其他个人,应当承担部分或全部赔偿责任。在未履行赔偿责任之前,其他任何贷款人不得对其发放贷款。

 
Article 71 A lender shall charge additional interest on all or part of a loan to a borrower and, in the case of particularly serious circumstances, cease providing the part of the loan unused by the borrower and recover part or all of the loan ahead of schedule, where the borrower:   第七十一条 借款人有下列情形之一,由贷款人对其部分或全部贷款加收利息;情节特别严重的,由贷款人停止支付借款人尚未使用的贷款,并提前收回部分或全部贷款:

 
1. fails to use a loan for the purposes specified in the loan contract; 一、不按借款合同规定用途使用贷款的。

 
2. uses a loan for equity investment; 二、用贷款进行股本权益性投资的。

 
3. uses a loan for speculation in negotiable securities, futures and other areas; 三、用贷款在有价证券、期货等方面从事投机经营的。

 
4. uses a loan for operating the real estate business if the borrower is not legally qualified for operating the real estate business; or uses a loan for real estate speculation if the borrower is legally qualified for operating the real estate business; 四、未依法取得经营房地产资格的借款人用贷款经营房地产业务的;依法取得经营房地产资格的借款人,用贷款从事房地产投机的。

 
5. fails to service a loan pursuant to the loan contract; or 五、不按借款合同规定清偿贷款本息的。

 
6. obtains a loan for the purpose of seeking illegal gains through on-lending. 六、套取贷款相互借贷牟取非法收入的。

 
Article 72 A lender shall order a borrower to make correction and, in the case of particularly serious circumstances or failure to make correction within a certain time limit, cease providing the part of the loan unused by the borrower and recover part or all of the loan ahead of schedule, where the borrower:   第七十二条 借款人有下列情形之一,由贷款人责令改正。情节特别严重或逾期不改正的,由贷款人停止支付借款人尚未使用的贷款,并提前收回部分或全部贷款:

 
1. provides the lender with balance sheets, income statements, and other documents that are false or conceal material facts; 一、向贷款人提供虚假或者隐瞒重要事实的资产负债表、损益表等资料的;

 
2. fails to truthfully provide the lender with information on all banks where it maintains an account, account numbers, and deposit and loan balances; or 二、不如实向贷款人提供所有开户行、帐号及存贷款余额等资料的;

 
3. refuses to accept the lender's supervision over its use of credit funds and relevant business, such as production, and financial activities. 三、拒绝接受贷款人对其使用信贷资金情况和有关生产经营、财务活动监督的。

 
Article 73 Where any government department, enterprise, public institution, shareholding cooperative economic organization, supply and marketing cooperative, rural cooperative foundation, or other foundation provides loans without authorization, or where lending and borrowing, including those in covert form, are conducted between enterprises without authorization, the PBC shall impose a fine of not less than the amount but not more than five times the amount of illegal income on the lender and eliminate such activities.   第七十三条 行政部门、企事业单位、股份合作经济组织、供销合作社、农村合作基金会和其他基金会擅自发放贷款的;企业之间擅自办理借贷或者变相借贷的,由中国人民银行对出借方按违规收入处以1倍以上至5倍以下罚款,并由中国人民银行予以取缔。

 
Article 74 Against a punishment decision of the PBC, the party concerned may apply for administrative reconsideration in accordance with the Measures of the People's Bank of China for Administrative Reconsideration (for Trial Implementation), and the original punishment shall continue to be executed during the period of reconsideration.   第七十四条 当事人对中国人民银行处罚决定不服的,可按《中国人民银行行政复议办法(试行)》的规定申请复议,复议期间仍按原处罚执行。

 
Chapter XII Supplementary Provisions 

第十二章 附则


 
Article 75 The administrative measures for loans provided by state policy banks and foreign-funded financial institutions (including but not limited to wholly foreign-funded financial institutions and China-foreign equity joint ventures and branch offices of foreign-funded financial institutions) shall be separately issued by the PBC.   第七十五条 国家政策性银行、外资金融机构(含外资、中外合资、外资金融机构的分支机构等)的贷款管理办法,由中国人民银行另行制定。

 
Article 76 The administrative measures for foreign government loans, export credit loans, loans with interest discount for foreign investors, external security under export credit loans, and international commercial loans in support of the aforesaid loans shall be separately issued by the PBC.   第七十六条 有关外国政府贷款、出口信贷、外商贴息贷款、出口信贷项下的对外担保以及与上述贷款配套的国际商业贷款的管理办法,由中国人民银行另行制定。

 
Article 77 A lender may make detailed implementation rules in accordance with these General Rules, which shall be filed with the PBC.   第七十七条 贷款人可根据本通则制定实施细则,报中国人民银行备案。

 
Article 78 From the effective day of these General Rules, for any discrepancy between these General Rules and previous provisions of the PBC and lenders, these General Rules shall prevail.   第七十八条 本通则自实施之日起,中国人民银行和各贷款人在此以前制定的各种规定,与本通则有抵触者,以本通则为准。

 
Article 79 These General Rules shall be subject to the interpretation of the PBC.   第七十九条 本通则由中国人民银行负责解释。

 
Article 80 These General Rules shall come into effect on August 1, 1996.

   第八十条 本通则自一九九六年八月一日起施行。
 

     
     
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