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| Order of the China Banking Regulatory Commission, the National Development and Reform Commission, the Ministry of Industry and Information Technology, the Ministry of Finance, the Ministry of Commerce, the People's Bank of China and the State Administration for Industry and Commerce | | 中国银行业监督管理委员会、国家发展和改革委员会、工业和信息化部、财政部、商务部、中国人民银行、国家工商行政管理总局令 |
(No. 3 [2010]) | |
（2010年第3号） |
To strengthen the supervision and administration of financing guarantee companies, regulate the financing guarantee acts and promote the sound development of the financing guarantee sector, the China Banking Regulatory Commission, National Development and Reform Commission of the People's Republic of China, Ministry of Industry and Information Technology of the People's Republic of China, Ministry of Finance of the People's Republic of China, Ministry of Commerce of the People's Republic of China, People's Bank of China and State Administration for Industry and Commerce have formulated the Interim Measures for the Administration of Financing Guarantee Companies in accordance with the Company Law of the People's Republic of China, the Guarantee Law of the People's Republic of China, the Contract Law of the People's Republic of China and other laws, which are hereby issued upon approval of the State Council and shall come into force on the date of issuance. | |
为加强对融资性担保公司的监督管理，规范融资性担保行为，促进融资性担保行业健康发展，依据《中华人民共和国公司法》、《中华人民共和国担保法》、《中华人民共和国合同法》等法律规定，中国银行业监督管理委员会、中华人民共和国国家发展和改革委员会、中华人民共和国工业和信息化部、中华人民共和国财政部、中华人民共和国商务部、中国人民银行、国家工商行政管理总局制定了《融资性担保公司管理暂行办法》，经国务院批准，现予公布。自公布之日起施行。 |
Chairman of the China Banking Regulatory Commission, Liu Mingkang | |
中国银行业监督管理委员会主席 刘明康 |
Director of the National Development and Reform Commission of the People's Republic of China, Zhang Ping | |
中华人民共和国国家发展和改革委员会主任 张 平 |
Minister of the Ministry of Industry and Information Technology of the People's Republic of China, Li Yizhong | |
中华人民共和国工业和信息化部部长 李毅中 |
Minister of the Ministry of Finance of the People's Republic of China, Xie Xuren | |
中华人民共和国财政部部长 谢旭人 |
Minister of the Ministry of Commerce of the People's Republic of China, Chen Deming | |
中华人民共和国商务部部长 陈德铭 |
Governor of the People's Bank of China, Zhou Xiaochuan | |
中国人民银行行长 周小川 |
Director General of the State Administration for Industry and Commerce, Zhou Bohua | |
国家工商行政管理总局局长 周伯华 |
March 8, 2010 | |
二○一○年三月八日 |
Interim Measures for the Administration of Financing Guarantee Companies | |
融资性担保公司管理暂行办法 |
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| Chapter I General Provisions | | 第一章 总则 |
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| Article 1 These Measures are formulated in accordance with the Company Law of the People's Republic of China, the Guarantee Law of the People's Republic of China, the Contract Law of the People's Republic of China and other laws for purposes of strengthening the supervision and administration of financing guarantee companies, regulating the financing guarantee acts, and promoting the sound development of the financing guarantee sector. | | 第一条 为加强对融资性担保公司的监督管理，规范融资性担保行为，促进融资性担保行业健康发展，根据《中华人民共和国公司法》、《中华人民共和国担保法》、《中华人民共和国合同法》等法律规定，制定本办法。 |
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| Article 2 The term “financing guarantee” as mentioned in these Measures shall refer to the act whereby a guarantor agrees with a banking financial institution or any other creditor on that it shall assume the guarantee liabilities as stipulated in the contract in accordance with law if the guaranteed party fails to pay the financing debts to the creditor. | | 第二条 本办法所称融资性担保是指担保人与银行业金融机构等债权人约定，当被担保人不履行对债权人负有的融资性债务时，由担保人依法承担合同约定的担保责任的行为。 |
The term “financing guarantee companies” as mentioned in these Measures shall refer to the limited liability companies and joint-stock companies which are established in accordance with law and carry on the financing guarantee business. | |
本办法所称融资性担保公司是指依法设立，经营融资性担保业务的有限责任公司和股份有限公司。 |
The term “regulatory departments” as mentioned in these Measures shall refer to the departments determined by the people's governments of the provinces, autonomous regions and municipalities directly under the Central Government which are responsible for the supervision and administration of financing guarantee companies within their respective jurisdictions. | |
本办法所称监管部门是指省、自治区、直辖市人民政府确定的负责监督管理本辖区融资性担保公司的部门。 |
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| Article 3 Financing guarantee companies shall follow the operating principles of safety, liquidity and profitability, and establish a market-oriented sustainable and prudential business model. | | 第三条 融资性担保公司应当以安全性、流动性、收益性为经营原则，建立市场化运作的可持续审慎经营模式。 |
Financing guarantee companies shall follow the principle of good faith and comply with the contracts in carrying out business operations with enterprises, banking financial institutions and other clients. | |
融资性担保公司与企业、银行业金融机构等客户的业务往来，应当遵循诚实守信的原则，并遵守合同的约定。 |
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| Article 4 No organ, entity or individual may interfere with the business operations conducted by financing guarantee companies in accordance with law. | | 第四条 融资性担保公司依法开展业务，不受任何机关、单位和个人的干涉。 |
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| Article 5 Financing guarantee companies carrying out business shall comply with the laws, regulations and these Measures and shall not damage any state interest or public interest. | | 第五条 融资性担保公司开展业务，应当遵守法律、法规和本办法的规定，不得损害国家利益和社会公共利益。 |
Financing guarantee companies shall keep the information provided by their clients to themselves, and shall not use the information to engage in the activities which are unrelated to the guarantee business or damage the interests of clients. | |
融资性担保公司应当为客户保密，不得利用客户提供的信息从事任何与担保业务无关或有损客户利益的活动。 |
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| Article 6 When carrying out business, financing guarantee companies shall observe the principle of fair competition and shall not engage in any unfair competition. | | 第六条 融资性担保公司开展业务应当遵守公平竞争的原则，不得从事不正当竞争。 |
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| Article 7 Financing guarantee companies shall be subject to the territorial administration of the people's governments of the provinces, autonomous regions, and municipalities directly under the Central Government. The regulatory departments determined by the people's governments of the provinces, autonomous regions, and municipalities directly under the Central Government shall be specifically responsible for the access, exit, daily regulation and risk disposal of the financing guarantee companies within their respective jurisdictions, and report the work to the inter-ministerial joint meeting for the regulation of the financing guarantee business established by the State Council. | | 第七条 融资性担保公司由省、自治区、直辖市人民政府实施属地管理。省、自治区、直辖市人民政府确定的监管部门具体负责本辖区融资性担保公司的准入、退出、日常监管和风险处置，并向国务院建立的融资性担保业务监管部际联席会议报告工作。 |
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| Chapter II Establishment, Modification, and Termination | | 第二章 设立、变更和终止 |
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| Article 8 A financing guarantee company or any of its branches shall be established upon the examination and approval of the regulatory department. | | 第八条 设立融资性担保公司及其分支机构，应当经监管部门审查批准。 |
The regulatory department shall issue a business license to a financing guarantee company or any of its branches that is established upon approval, which shall apply to the administrative department for industry and commerce for registration upon the strength of such license. | |
经批准设立的融资性担保公司及其分支机构，由监管部门颁发经营许可证，并凭该许可证向工商行政管理部门申请注册登记。 |
No entity or individual may carry out the financing guarantee business without approval of the regulatory department or use “financing guarantee” in its name, unless otherwise provided by any law or administrative regulation. | |
任何单位和个人未经监管部门批准不得经营融资性担保业务，不得在名称中使用融资性担保字样，法律、行政法规另有规定的除外。 |
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| Article 9 To establish a financing guarantee company, the following requirements shall be met: | | 第九条 设立融资性担保公司，应当具备下列条件： |
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| (1) having the articles of association that meet the requirements of the Company Law of the People's Republic of China; | | （一）有符合《中华人民共和国公司法》规定的章程。 |
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| (2) having shareholders who have the ability of making capital contributions continuously; | | （二）有具备持续出资能力的股东。 |
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| (3) having the registered capital that meets the requirements of these Measures; | | （三）有符合本办法规定的注册资本。 |
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| (4) the directors, supervisors and senior managers having obtained the post-holding qualifications and having qualified practitioners; | | （四）有符合任职资格的董事、监事、高级管理人员和合格的从业人员。 |
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| (5) having sound organizational structure, internal control and risk management systems; | | （五）有健全的组织机构、内部控制和风险管理制度。 |
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| (6) having an office that meets the requirements; and | | （六）有符合要求的营业场所。 |
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| (7) other prudential requirements as prescribed by the regulatory department. | | （七）监管部门规定的其他审慎性条件。 |
The measures for the administration of qualifications of directors, supervisors, senior managers and practitioners shall be formulated separately by the inter-ministerial joint meeting for the regulation of the financing guarantee business. | |
董事、监事、高级管理人员和从业人员的资格管理办法由融资性担保业务监管部际联席会议另行制定。 |
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| Article 10 The regulatory department shall stipulate the minimum registered capital of a financing guarantee company in accordance with the local actualities, which shall not be less than RMB 5 million yuan. | | 第十条 监管部门根据当地实际情况规定融资性担保公司注册资本的最低限额，但不得低于人民币500万元。 |
The registered capital shall be paid-in monetary capital. | |
注册资本为实缴货币资本。 |
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| Article 11 To establish a financing guarantee company, the following documents and materials shall be submitted to the regulatory department: | | 第十一条 设立融资性担保公司，应向监管部门提交下列文件、资料： |
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| (1) an application, which shall specify the name, domicile, registered capital, business scope and other matters of the financing guarantee company to be established; | | （一）申请书。应当载明拟设立的融资性担保公司的名称、住所、注册资本和业务范围等事项。 |
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| (2) a feasibility study report; | | （二）可行性研究报告。 |
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| (3) the draft of the articles of association; | | （三）章程草案。 |
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| (4) the register of shareholders, their capital contributions and the equity structure; | | （四）股东名册及其出资额、股权结构。 |
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| (5) the capital assessment certification of capital contributions made by shareholders and the credit certificates and other relevant materials of the shareholders holding no less than 5% of the registered capital; | | （五）股东出资的验资证明以及持有注册资本5％以上股东的资信证明和有关资料。 |
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| (6) qualification certificates of the candidates for directors, supervisors and senior managers; | | （六）拟任董事、监事、高级管理人员的资格证明。 |
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| (7) business development strategies and plans; | | （七）经营发展战略和规划。 |
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| (8) certification materials of the business sites; and | | （八）营业场所证明材料。 |
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| (9) other documents and materials as required by the regulatory department. | | （九）监管部门要求提交的其他文件、资料。 |
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| Article 12 Any of the following modifications of a financing guarantee company shall be subject to the examination and approval of the regulatory department: | | 第十二条 融资性担保公司有下列变更事项之一的，应当经监管部门审查批准： |
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| (1) change of name; | | （一）变更名称。 |
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| (2) modification of the organizational form; | | （二）变更组织形式。 |
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| (3) modification of the registered capital; | | （三）变更注册资本。 |
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| (4) change of the company's domicile; | | （四）变更公司住所。 |
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| (5) adjustment of the business scope; | | （五）调整业务范围。 |
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| (6) modification of any of its director, supervisor or senior manager; | | （六）变更董事、监事和高级管理人员。 |
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| (7) modification of any shareholder holding no less than 5% of the equity; | | （七）变更持有5％以上股权的股东。 |
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| (8) split or merger; | | （八）分立或者合并。 |
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| (9) amendment of the articles of association; or | | （九）修改章程。 |
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| (10) other modifications as prescribed by the regulatory department. | | （十）监管部门规定的其他变更事项。 |
Where the modification of the financing guarantee company involves any registered items of the company, the financing guarantee company shall, upon examination and approval of the regulatory department, apply to the administrative department for industry and commerce for registration of modification according to the relevant provisions. | |
融资性担保公司变更事项涉及公司登记事项的，经监管部门审查批准后，按规定向工商行政管理部门申请变更登记。 |
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Article 13 Where a financing guarantee company intends to establish a branch in another province, autonomous region or municipality directly under the Central Government, it shall obtain the approval of the regulatory department of the place where it is located and be subject to the examination and approval of the regulatory department of the place where the branch is to be established.
．．．．．． | | 第十三条 融资性担保公司跨省、自治区、直辖市设立分支机构的，应当征得该融资性担保公司所在地监管部门同意，并经拟设立分支机构所在地监管部门审查批准。
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