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Order of China Banking Regulatory Commission | | 中国银行业监督管理委员会令 |
(No.1 [2010]) | | (2010年第1号) |
The Interim Measures for the Administration of Working Capital Loans, which have been adopted at the 72nd chairman's meeting of China Banking Regulatory Commission, are hereby promulgated, and shall come into force on the date of promulgation. | | 《流动资金贷款管理暂行办法》已经中国银行业监督管理委员会第72次主席会议通过,现予公布,并自发布之日起施行。 |
Chairman: Liu Mingkang | | 主席:刘明康 |
February 12, 2010 | | 二○一○年二月十二日 |
Interim Measures for the Administration of Working Capital Loans | | 流动资金贷款管理暂行办法 |
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Chapter I General Provisions | | 第一章 总则 |
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Article 1 To regulate banking financial institutions' business operations of working capital loans, strengthen the prudential operation and management of working capital loans and promote the healthy development thereof, these Measures are formulated pursuant to the Banking Supervision Law of the People's Republic of China, the Law of the People's Republic of China on Commercial Banks and other relevant laws and regulations. | | 第一条 为规范银行业金融机构流动资金贷款业务经营行为,加强流动资金贷款审慎经营管理,促进流动资金贷款业务健康发展,依据《中华人民共和国银行业监督管理法》、《中华人民共和国商业银行法》等有关法律法规,制定本办法。 |
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Article 2 Where the banking financial institutions established inside the People's Republic of China upon the CBRC approval (hereinafter referred to as “the loaner”) operate the working capital loan business, these Measures shall apply. | | 第二条 中华人民共和国境内经中国银行业监督管理委员会批准设立的银行业金融机构(以下简称贷款人)经营流动资金贷款业务,应遵守本办法。 |
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Article 3 For the purpose of these Measures, the term “working capital loan” refers to a home/foreign currency loan granted by the loaner to an enterprise or public institution or any other organization which is determined under the relevant state provisions as eligible for borrowing money for the purpose of financing its everyday operations. | | 第三条 本办法所称流动资金贷款,是指贷款人向企(事)业法人或国家规定可以作为借款人的其他组织发放的用于借款人日常生产经营周转的本外币贷款。 |
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Article 4 The loaner shall follow the principles of legality, regulation compliance, prudential operation, equality, free will, fairness and good faith when operating the working capital loan business. | | 第四条 贷款人开展流动资金贷款业务,应当遵循依法合规、审慎经营、平等自愿、公平诚信的原则。 |
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Article 5 The loaner shall improve its internal control mechanism, exercise control over the whole process of the working capital loan business, obtain clients' information through various channels, set up a system for the risk management of working capital loans and an efficient mechanism for the check and balance of posts, clarify the loan management responsibilities of each specific department and post, and establish evaluation and responsibility systems for each post. | | 第五条 贷款人应完善内部控制机制,实行贷款全流程管理,全面了解客户信息,建立流动资金贷款风险管理制度和有效的岗位制衡机制,将贷款管理各环节的责任落实到具体部门和岗位,并建立各岗位的考核和问责机制。 |
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Article 6 The loaner shall reasonably estimate the borrower's working capital demand and prudentially determine the total amount of working capital loan funds granted to the borrower and the limit of each individual loan, and may not grant working capital loans in excess of the borrower's actual demand. | | 第六条 贷款人应合理测算借款人营运资金需求,审慎确定借款人的流动资金授信总额及具体贷款的额度,不得超过借款人的实际需求发放流动资金贷款。 |
The loaner shall, according to the production and operation scale and cycle of the borrower, reasonably determine the business type and term of the working capital loan to meet the borrower's capital demand for production and operation and exercise effective control over the recovery of loan funds. | | 贷款人应根据借款人生产经营的规模和周期特点,合理设定流动资金贷款的业务品种和期限,以满足借款人生产经营的资金需求,实现对贷款资金回笼的有效控制。 |
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Article 7 The loaner shall include the working capital loans granted to a borrower into the loans granted to the group client which the borrower belongs to for purposes of uniform credit amount management, and set up a risk limitation management system by region, industry, type of loans, etc. | | 第七条 贷款人应将流动资金贷款纳入对借款人及其所在集团客户的统一授信管理,并按区域、行业、贷款品种等维度建立风险限额管理制度。 |
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Article 8 The loaner shall, according to the economic operation status, industrial development rules and the borrower's effective financial demand, reasonably determine the internal performance evaluation targets, and may not set any unreasonable credit scale targets, engage in cut-throat competition or rush to complete the loan tasks. | | 第八条 贷款人应根据经济运行状况、行业发展规律和借款人的有效信贷需求等,合理确定内部绩效考核指标,不得制订不合理的贷款规模指标,不得恶性竞争和突击放贷。 |
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Article 9 The loaner and the borrower shall clearly stipulate the legal uses of the loan. | | 第九条 贷款人应与借款人约定明确、合法的贷款用途。 |
Working capital loans may not be used to invest in fixed assets or equity or used for areas or purposes where production or operation has been expressly prohibited by the state. | | 流动资金贷款不得用于固定资产、股权等投资,不得用于国家禁止生产、经营的领域和用途。 |
Working capital loans may not be used for other purposes. The loaner shall check and oversee the uses of working capital loans according to the loan contract. | | 流动资金贷款不得挪用,贷款人应按照合同约定检查、监督流动资金贷款的使用情况。 |
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Article 10 The CBRC shall supervise and administer the working capital loan business pursuant to these Measures. | | 第十条 中国银行业监督管理委员会依照本办法对流动资金贷款业务实施监督管理。 |
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Chapter II Acceptance of Applications and Investigation | | 第二章 受理与调查 |
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Article 11 A working capital loan application shall satisfy the following conditions: | | 第十一条 流动资金贷款申请应具备以下条件: |
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1. the borrower has been legally established; | | (一)借款人依法设立; |
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2. the purposes of the loan are clear and legal; | | (二)借款用途明确、合法; |
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3. the production and operation of the borrower are legal and compliant; | | (三)借款人生产经营合法、合规; |
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4. the borrower has a continuous operation capacity and a legal source of funds for repayment; | | (四)借款人具有持续经营能力,有合法的还款来源; |
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5. the borrower has a good credit standing and has no record of bad credit; and | | (五)借款人信用状况良好,无重大不良信用记录; |
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6. other conditions as set forth by the loaner. | | (六)贷款人要求的其他条件。 |
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Article 12 The loaner shall set forth requirements on the format and content of the application materials for a working capital loan and ask the borrower to scrupulously abide by the principle of good faith and to undertake the authenticity, integrity and validity of the materials submitted by it. | | 第十二条 贷款人应对流动资金贷款申请材料的方式和具体内容提出要求,并要求借款人恪守诚实守信原则,承诺所提供材料真实、完整、有效。 |
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Article 13 The loaner shall fulfill due diligence investigations by both on-site and off-site ways, form a written report and be responsible for the authenticity, integrity and validity of the report. The due diligence investigation shall cover but is not limited to: | | 第十三条 贷款人应采取现场与非现场相结合的形式履行尽职调查,形成书面报告,并对其内容的真实性、完整性和有效性负责。尽职调查包括但不限于以下内容: |
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1. the organizational structure, corporate governance and internal control of the borrower, the credit standing of the legal representative and the operation and management personnel of the borrower, etc.; | | (一)借款人的组织架构、公司治理、内部控制及法定代表人和经营管理团队的资信等情况; |
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2. the scope of business, core business, and production and operational status of the borrower, its operation plan and major investment plan during the loan term, etc.; | | (二)借款人的经营范围、核心主业、生产经营、贷款期内经营规划和重大投资计划等情况; |
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3. situations about the industry which the borrower is engaged in; | | (三)借款人所在行业状况; |
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4. the receivables, payables, inventory and other actual financial conditions of the borrower; | | (四)借款人的应收账款、应付账款、存货等真实财务状况; |
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5. the total working capital demand and current financing liabilities of the borrower; | | (五)借款人营运资金总需求和现有融资性负债情况; |
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6. the related parties to the borrower and the related transactions; | | (六)借款人关联方及关联交易等情况; |
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7. the specific purpose of the loan and the use of funds by the borrower's payee; | | (七)贷款具体用途及与贷款用途相关的交易对手资金占用等情况; |
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8. the source of funds for repayment, including cash flow, consolidated income and other legal income from production and operation; and | | (八)还款来源情况,包括生产经营产生的现金流、综合收益及其他合法收入等; |
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9. for a secured loan, the ownership, value and cashability of the collateral (pledge) or the qualification and capability of the guarantor. | | (九)对有担保的流动资金贷款,还需调查抵(质)押物的权属、价值和变现难易程度,或保证人的保证资格和能力等情况。 |
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Chapter III Risk Assessment & Examination and Approval | | 第三章 风险评价与审批 |
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Article 14 The loaner shall set up a sound risk assessment mechanism and specify the responsible department and posts to comprehensively examine the risks involved in working capital loans. | | 第十四条 贷款人应建立完善的风险评价机制,落实具体的责任部门和岗位,全面审查流动资金贷款的风险因素。 |
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Article 15 The loaner shall set up and improve its internal rating system and adopt scientific and reasonable rating methods and credit investigation methods to determine the credit ratings of clients and form clients' credit records. | | 第十五条 贷款人应建立和完善内部评级制度,采用科学合理的评级和授信方法,评定客户信用等级,建立客户资信记录。 |
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Article 16 The loaner shall estimate the borrower's working capital demand according to its operational scale, business characteristics, receivables, inventory, payables, capital turnover rate and other factors of the borrower (see attachment for estimation methods), and take the cash flow, liabilities, repayment ability, guarantee status and other factors of the borrower into overall consideration so as to reasonably determine the loan structure, including the amount, term, interest rate, guarantee requirements and mode of repayment of the loan. | | 第十六条 贷款人应根据借款人经营规模、业务特征及应收账款、存货、应付账款、资金循环周期等要素测算其营运资金需求(测算方法参考附件),综合考虑借款人现金流、负债、还款能力、担保等因素,合理确定贷款结构,包括金额、期限、利率、担保和还款方式等。 |
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Article 17 The loaner shall, on the principle of separation between the granting and examination of loans and the principle of level-by-level examination and approval, set up rules and procedures for the examination and assessment of working capital loans and guarantee the independence of risk assessment and loan examination. | | 第十七条 贷款人应根据贷审分离、分级审批的原则,建立规范的流动资金贷款评审制度和流程,确保风险评价和信贷审批的独立性。 |
The loaner shall set up and improve its mechanism for the inside authorization and re-authorization of the examination and approval power. Examiners shall examine loans pursuant to the prescribed procedure within the scope of authority. No examiner may examine and approve loans beyond the approved scope of authority. ...... | | 贷款人应建立健全内部审批授权与转授权机制。审批人员应在授权范围内按规定流程审批贷款,不得越权审批。 ...... |
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