汽车金融公司管理办法(英文版)
中国银行业监督管理委员会
China Banking Regulatory Commission No. 4 Order
Upon the approval of the State Council, the Administrative Rules Governing the Auto Financing Company is now promulgated by the China Banking Regulatory Commission.
Chairman Liu Mingkang
October 3, 2003
Administrative Rules Governing the Auto Financing Company
Chapter I General Provisions
Article 1 The Administrative Rules Governing the Auto Financing Company (hereinafter referred to as the Rules) is 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.
Article 2 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.
Article 3 Auto financing companies are supervised and regulated by the China Banking Regulatory Commission.
Chapter II Incorporation, Change and Termination
Article 4 The establishment of an auto financing company shall be subject to the approval of the China Banking Regulatory Commission.
Without the approval of the China Banking Regulatory Commission, no individual or 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
Article 5 An investor of an auto financing company shall satisfy following requirements:
(a) It shall be a corporate legal entity incorporated in and outside China.
If the investor is a non-financial entity, its total assets of the previous year shall be no less than RMB4 billion yuan or an equivalent amount in 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.
If the investor is a non-bank financial institution, its registered capital shall be no less than RMB300 million yuan or an equivalent amount in convertible currencies;
(b) It shall have sound business performance and remain profitable for the last three consecutive years;
(c) It shall comply with the laws of the countries where it is incorporated and shall have a clean record;
(d) In case of the largest investor, it shall be an auto enterprise or a non-bank financial institution.
The auto enterprise refers to an enterprise that manufactures and sells the whole unit of an automobile.
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;
(e) It shall not invest in more than one auto financing company; and
(f) It shall satisfy other prudential supervisory requirements set forth by the China Banking Regulatory Commission.
Article 6 An auto financing company shall satisfy the following conditions in order to be incorporated:
a) the minimum amount of registered capital required by the Rules;
b) Articles of Association that complies with relevant laws including the Company Law of the People’s Republic of China and the Rules;
c) senior management familiar with auto financing and other related business;
d) a sound organizational structure, management and risk control systems;
e) proper business premises, safety measures and other facilities for business operations; and
f) other conditions set out by the China Banking Regulatory Commission.
Article 7 The minimum registered capital of an auto financing company shall be no less than RMB500 million yuan or an equivalent amount in convertible currencies. Registered capital shall be paid-in capital.
The China Banking Regulatory Commission shall have the power to adjust the minimum registered capital of an auto financing company in line with the developments of auto financing business and the prudential requirements, but the adjusted floor shall not be lower than the amount provided in this Article.
Article 8 The establishment of an auto financing company shall cover two stages, i.e. the preparation stage and the business commencement stage. The Chinese text of all application documents for the preparation and the business commencement stages shall prevail.
Article 9 To apply for the preparation of a 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:
(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.;
(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;
(c) an Articles of Association of the auto financing company (a draft note);
(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.;
(e) the investor’s balance sheet, profit and loss statement and cash flow statement for the latest three years audited by qualified auditing firms;
(f) name and resume of the person in charge of the preparation; and
(g) other documents required by the China Banking Regulatory Commission.
If the applicant is a foreign non-bank financial institution, it shall submit the consent of its home country supervisory authority in writing. If the applicant is a non-financial entity, it shall submit the credit rating report of the previous year by a rating agency.
Article 10 The China Banking Regulatory Commission, upon receiving a complete set of application documents for the preparation of an auto financing company, shall provide its decision of approval or denial in writing within six months.
Article 11 The applicant shall, upon receiving the approval letter from the China Banking Regulatory Commission, complete the preparation within six months. If the applicant has 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.
If the applicant fails to apply for business commencement upon the completion of the preparation stage or the extended preparation stage, the original approval document for the preparation shall become void automatically.
During the preparation stage, the applicant shall not conduct any auto financing business.
Article 12 The applicant shall, before the deadline of the preparation stage or the extended preparation stage, apply for business commencement to the China Banking Regulatory Commission with the following attachments:
(a) a report on completion of the preparation and an application letter for business commencement;
(b) a certification of paid-in capital issued by a qualified Chinese certifying agency, and a registration certificate issued by the State Administration of Industry and Commerce;
(c) articles of Association of the auto financing company;
(d) names and detailed resumes of proposed senior managerial personnel;
(e) name and capital contribution of each shareholder;
(f) proposed business rules and procedures and internal controls;
(g) verification documents on business premises and other business-related facilities issued by relevant authorities; and
(h) other documents required by the China Banking Regulatory Commission.
Article 13 The China Banking Regulatory Commission, upon receiving a complete set of business commencement application documents, shall provide its decision of approval or denial of the application within three months. If the application is approved, the applicant shall receive a written approval letter attached with a license to conduct financial business with the prescribed business scope. If the application is denied, the applicant shall receive a written notice in which reasons for denial are provided.
The applicant shall, before commencing operations, register with the State Administration of Industry and Commerce with the presentation of the license to conduct financial business, and receive a corporate legal entity business License.
The China Banking Regulatory Commission shall 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.
Article 14 An auto financing company shall not set up any branch or subsidiary.
Article 15 The appointment of the senior managerial personnel of an auto financing company shall be either subject to the qualification review by the China Banking Regulatory Commission or filed with the China Banking Regulatory Commission for record.
The chairman of the board of directors, general manager and deputy general manager, executive directors, and chief financial officer of an auto financing company are subject to the qualification view by the China Banking Regulatory Commission. The qualifications of these senior managerial personnel and procedures relating to qualification review and filing for record shall be issued separately.
Article 16 An auto financing company, in case of any of the following changes, shall seek the approval of the China Banking Regulatory Commission:
(a) change of company name;
(b) change of registered capital;
(c) change of business premises;
(d) change of business scope;
(e) change of organizational structure;
(f) change of equity structure;
(g) revision of Articles of Association;
(h) change of senior managerial personnel;
(i) merger or split; and
(j) other changes that require the approval of the China Banking Regulatory Commission.
Article 17 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.
Chapter III Business Scope and Supervision
Article 18 An auto financing company may conduct all or part of the following lines of Renminbi business with the approval of the China Banking Regulatory Commission:
(a) taking deposits with maturity of no less than three months from its shareholders in the mainland of China;
(b) extending loans for auto purchase;
(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);
(d) transferring and selling auto loan receivables;
(e) borrowing from financial institutions;
(f) providing guarantee for auto purchase financing;
(g) agency business relating to auto purchase financing; and
(h) other loan business approved by The China Banking Regulatory Commission.
Article 19 An auto financing company, in case of extending loans to a natural person for auto purchase, shall observe relevant rules governing the auto loans to individual buyers promulgated by the relative supervisory authority. In case of extending auto loans to a legal entity or other organizations, an auto financing company shall observe relevant rules set out by General Provisions of Loans and other regulations.
Article 20 An auto financing company, without the approval of relevant regulatory authorities, shall not issue bonds or borrow funds from overseas. When an auto financing company’s establishment and business operations involve currency exchange, outward 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.
Article 21 An auto financing company shall meet the requirement on the capital to risk assets ratio, and the capital adequacy ratio shall not be less than ten percent. The China Banking Regulatory Commission may increase the minimum requirement of capital adequacy ratio of an individual company in line with the company’s risk profile and risk management capability. Other requirements on risk control and management relating to various kinds of assets shall be issued separately by the China Banking Regulatory Commission.
Article 22 An auto financing company shall adopt relevant accounting rules for financial institutions.
Article 23 An auto financing company shall compile in required 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.
An auto financing company shall not provide false financial statements, or statements in which important facts are concealed.
Article 24 An auto financing company shall establish and improve various business management systems and internal controls in line with Guidelines on Strengthening Internal Controls of Commercial Banks issued by the People’s Bank of China, and report the systems to the China Banking Regulatory Commission before their implementation.
Article 25 An auto financing company shall accept the on-site examination and the off-site surveillance by the China Banking Regulatory Commission.
Article 26 The China Banking Regulatory Commission may call the legal representatives or other senior managerial personnel of an auto financing company for inquiries into problems discovered during regular examinations, and demand the company to correct within a prescribed time frame.
Article 27 An auto financing company shall establish a system of external 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.
Article 28 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.
Article 29 The China Banking Regulatory Commission shall demand remedial actions by an auto financing company in case of the following circumstances:
(a) The company suffers from a loss in the current year of above 50 percent of the registered capital or losses in the last three consecutive years of above 10 percent of the registered capital;
(b) The company is in payment difficulties; and
(c) The company faces other major operational risks that the China Banking Regulatory Commission deems necessary to issue an order for corrective actions.
Article 30 The China Banking Regulatory Commission, after issuing an order for corrective actions to an auto financing company, may take the following enforcement actions:
(a) demanding or prohibiting the change of the company’s senior managerial personnel;
(b) suspending part of the company’s business or prohibiting the company’s engagement in new business lines;
(c) demanding an increase of the company’s capital within a prescribed time frame;
(d) demanding the company to change its equity structure or implement other forms of restructuring;
(e) prohibiting the dividend distribution; and
(f) other enforcement actions that the China Banking Regulatory Commission deems necessary.
Article 31 An auto financing company, when receiving an order for remedial actions, shall not resume normal business operations until the following conditions are met and are approved by the China Banking Regulatory Commission:
(a) Solvency is restored;
(b) Losses are covered; and
(c) Major operational risks are addressed.
Article 32 The maximum time limit that an auto financing company is allowed for corrective actions shall not exceed one year. If the company fails to meet the objectives of remedial actions within the prescribed time limit, its operation shall be terminated in accordance with relevant laws and regulations.
Article 33 Auto financing companies may establish a trade association for self-regulation purposes. The activities of the trade association are subject to the guidance and oversight of the China Banking Regulatory Commission.
Chapter IV Legal Liabilities
Article 34 Any establishment of an auto financing company or any auto financing business without the approval of the China Banking Regulatory Commission shall be banned. If the case constitutes a crime, criminal liabilities shall be investigated. If the case dose not constitute a crime, the China Banking Regulatory Commission shall 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.
Article 35 The China Banking Regulatory Commission shall demand correction and impose a fine of RMB1000 yuan if a company, without the approval of the China Banking Regulatory Commission, includes in its name such words as “auto finance”, “auto loan”, etc. that indicate the company’s engagement in auto financing business.
Article 36 In case of an auto financing company being found to engage in business activities beyond its prescribed business scope, the China Banking Regulatory Commission shall issue a warning against the company, confiscate the illegal earnings and impose a fine in a range of one to five times the illegal earnings. If no illegal earnings are involved, the China Banking Regulatory Commission imposes a fine of no less than RMB100,000 yuan and no more than RMB500,000 yuan. If the case constitutes a crime, the criminal liabilities shall be investigated.
Article 37 In case of an auto financing company being found in 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.
Article 38 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.
Article 39 An auto financing company, in case of being found in violation of the Rules, shall be punished in accordance with the provisions of Article 34 to Article 38. If the violation is a serious one, the China Banking Regulatory Commission may ban the company’s senior managerial personnel from holding senior management position for one to ten years, or in some particular case, for life.
Article 40 An auto financing company, in case of being found in violation of other Chinese laws and regulations, shall be subject to enforcement actions by relevant regulatory authorities.
Chapter V Supplementary Provisions
Article 41 The Rules is applicable to all auto financing companies incorporated in the mainland of China funded by investors from Hong Kong Special Administrative Region, Macao Special Administrative Region and Taiwan province.
Article 42 The Rules enters into effect on October 3, 2003, and the power of the interpretation rests with the China Banking Regulatory Commission.
深圳市中小学教师进修暂行规定
广东深圳
深圳市中小学教师进修暂行规定
广东深圳
(1998年9月22日) 深府〔1998〕194号
各区人民政府,市政府直属各单位:
《深圳市中小学教师进修暂行规定》已经市政府二届106次常务会议讨
论通过,现印发给你们,请遵照执行。
深圳市中小学教师进修暂行规定
第一章 总 则
第一条 为提高中小学教师素质,适应深圳市基础教育改革和发展的需
要,根据《中华人民共和国教育法》、《中华人民共和国教师法》、《深圳经
济特区实施〈中华人民共和国教师法〉若干规定》,制定本暂行规定。
第二条 中小学教师进修,主要是指对已取得教师资格的在职中小学教师
进行提高思想政治素质、职业道德和文化业务素质的继续教育。
第三条 参加进修是中小学教师的权利,各级教育行政部门和各类中小学
校、幼儿园,应创造条件予以保障;参加进修是中小学教师的义务,教师应自
觉参加进修,履行教师应尽的职责。
第四条 中小学教师进修应按需施教、学用结合、因地制宜,以业余、自
学和短期进修为主,多种形式并举,注重质量和实效。
第五条 对中小学教师进修实行五年为一个周期、按学年度进行考核的管
理制度。中小学教师在一个周期内参加各类培训的时间和要求应适当高于国家
的有关规定。
第二章 内容与形式
第六条 中小学教师进修的内容包括:思想政治教育和师德修养;教育法
规;本学科专业知识扩展和更新;现代教育科学理论学习和教学科研与实践;
教育教学能力培养和技能训练;现代科技知识的普及与提高等。
第七条 中小学教师进修主要分为以下几类:
(一)新任教师培训
新任教师的各类院校毕业生,必须在试用期内参加以培养教育教学实践能
力为主的培训。其中师范类毕业生进修时间应不少于60学时,非师范类毕业
的进修时间应不少于120学时。
(二)教师职务进修
凡具有教师职务的在职中小学教师,都应该根据不同职务要求参加相应的
教师职务进修。
教师参加职务进修时间每五年累计不得少于300学时,每学年不得少于
60学时,其中12学时参加由本校组织的业务学习,48学时参加由培训院
校组织的集中学习。
教师完成职务进修是晋升上一级教师职务的必备条件。
(三)骨干教师培训
选派思想政治、业务素质好的中青年教师通过研修班、导师课、课题研究
等形式,参加以培养骨干教师为目的的培训。
参加骨干教师培训者的培训时间每五年累计不得少于350学时,每学年
不得少于70学时,其中20学时参加由本校组织的业务学习,50学时参加
由培训院校开设的课程学习。
(四)教师学历进修
已具有合格学历的中青年教师,也可参加高一层次学历或第二学历进修。
具有教师职务的在职中小学教师,凡参加上述第(二)、(三)、(四)
类中的任何一类培训,均可免予参加同期其它类别的进修培训。
第八条 教师职务进修采用必修课、限选课、任选课相结合,专题研究、
专题讲座和实践总结相结合,以确保教学质量。
教师进修培训课程的内容和主讲教师,应经过认真讲评和审核;市、区教
育行政部门应注意听取意见,进行评估检查,不断提高培训质量。
第三章 组织管理
第九条 中小学教师的进修培训由市、区教育局统筹规划和管理。其他部
门举办涉及教师的培训,必须经教育部门统筹安排,以保证学校正常的教学秩
序。市、区教育局在上级教育行政部门的指导下,具体负责以下事项:(一)
制定中小学教师进修的有关政策与规定;(二)教师培训基地及培训网络的建
设与完善;(三)监督、指导教师进修工作;(四)筹集与落实教师进修经
费;(五)组织实施教师进修计划,定期召开师资工作会议,部署、检查和总
结中小学教师进修工作。
第十条 深圳教育学院和各区教师进修学校(培训中心)是深圳市中小学
教师进修的主要基地,负责制定培训计划,落实课程和主讲教师,组织教学和
考核工作。市有关高等学校在市教育局统筹安排下可承担部分中小学教师的进
修培训任务。深圳教育学院主要培训中学教师,各区教师进修学校(培训中
心)主要培训本区小学、幼儿园教师。各中小学校、幼儿园要协助市、区培训
院校落实教师进修计划,推进教师继续教育。
采用专职与兼职相结合的办法加强教师进修的师资队伍建设。市、区各培
训院校应通过与国内外高等院校(包括重点师范院校)联合办学,提高培训质
量。
第十一条 中小学校、幼儿园应有计划地安排教师参加本校组织的业务学
习,积极开展校内多种形式的教师进修培训活动。
第四章 条件保障
第十二条 中小学教师进修经费以政府财政拨款为主,按市、区两级财政
拨款渠道,分别由市、区教育行政部门统一筹措。企事业单位、社会团体和其
它社会力量所办的学校或其他教育机构的教师进修经费,由举办者予以保障。
(一)经费的筹措
1、根据深圳市中小学教师进修工作的特点和实际需要,教师人均进修经
费标准按不低于中小学教师工资总额的2%,在教育事业费的职工教育经费中
专项列支。
2、在政府开征的教育费附加中每年应有不低于5%的比例用于中小学教
师进修,并且应逐年有所提高。该经费由市教育行政部门统筹安排。
(二)经费的使用
1、在每年下达的职工教育经费中,必须保证不少于60%的经费用于中
小学校教师参加市、区教师培训院校培训的开支。中学不少于60%的经费用
于教师参加市培训院校培训的开支;小学(含幼儿园)不少于60%的经费用
于教师参加区教师进修学校(培训中心)培训的开支。教师进修经费不得截留
或挪用。
2、教师参加市或区的进修,按核定的标准向培训院校交费。培训费的报
销办法另定。市、区教育、财政部门应加强对教师进修经费使用的监督和检
查。
第十三条 市、区人民政府及其教育部门应按照规定的办学标准,加大对
市、区教师培训院校的投入,改善办学条件,加强师资队伍的建设,提高培训
质量和效果。在市教育局统筹下,按照“资源共享、强调特色、优势互补”的
原则,加快市、区各教师培训院校及师资队伍的建设。
第十四条 市、区培训院校应在有关部门的指导和支持下,抓紧跨区域光
纤双向可视多媒体教学系统的开发研究,充分利用现代信息技术手段和各种教
育资源,提高培训效率,加快教师继续教育事业的发展。
第十五条 经教育行政部门和学校批准参加培训的中小学教师所需学费、
差旅费应按有关规定报销,教师进修期间工资、福利等待遇不受影响。
第十六条 为保证中小学教师享受参加进修的权利,市、区有关部门在核
定中小学、幼儿园教师编制时,应按照国家有关规定设立进修编制。
第五章 考核与奖惩
第十七条 对中小学教师进修实行成绩考核,考核成绩由培训院校统一记
入深圳市颁发的“专业技术人员继续教育证书”,作为教师学年度考核、评
优、职务晋级、聘任的必备条件。
第十八条 有下列情形之一者,学校应缓聘或解聘其教师职务:
(一)符合进修条件而无故拒不参加或中断进修的;
(二)进修考核成绩不合格的;
(三)弄虚作假、骗取进修成绩的。
第十九条 凡在规定时间内未被安排进修的教师,可以向市、区教育局提
出进修申请,教育局应督促教师所在学校予以安排落实。
第二十条 教育督导部门应将教师参加进修、培训的情况作为督导、评估
的一项重要内容。
第二十一条 市、区教育局对开展教师进修工作成绩优异的单位和个人,
应予以表彰和奖励;对不开展教师进修工作的单位和个人,给予通报批评,直
至追究行政责任。
第六章 附 则
第二十二条 本规定中的中小学教师,是指幼儿园、特殊教育机构、普通
中小学、职业中学的教师。
第二十三条 本规定由深圳市教育局负责解释。
第二十四条 本规定自发布之日起施行。
1998年9月22日