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安徽省机关档案工作实施办法

作者:法律资料网 时间:2024-07-23 14:57:11  浏览:8843   来源:法律资料网
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安徽省机关档案工作实施办法

安徽省委 省人民政府办公厅


安徽省机关档案工作实施办法
省委 省人民政府办公厅


第一章 总 则
第一条 为了贯彻中央办公厅、国务院办公厅颁发的《机关档案工作条例》,加强我省各级党、政机关、人民团体、(以下简称机关)档案的科学管理,更好地为机关工作和社会主义各项事业服务,特制定本办法。
第二条 机关档案工作是机关工作的组成部分,是提高机关工作效率和工作质量的必要条件,是维护机关历史真实面貌的一项重要工作,各级领导同志应予重视和支持。
第三条 各机关所形成的全部档案,均应由本机关档案部门集中统一管理,达到完整、准确、系统和有效利用的要求。
第四条 机关档案部门必须贯彻执行党和国家的保密、保卫制度,确保档案和档案机密的安全。

第二章 机关档案工作任务、机构、体制、干部
第五条 机关档案工作的基本任务是,做好机关档案室工作和对所属单位的档案工作进行指导、监督与检查。具体任务是:
(一)对本机关文书部门或业务部门的文书立卷归档工作进行指导和监督;
(二)收集、整理、保管和统计本机关的档案,向同级档案管理机关报告工作;
(三)编制档案检索工具和参考资料,及时、准确地提供档案为机关工作服务;
(四)负责档案的鉴定、销毁工作;
(五)定期向档案馆移交具有永久(地、市、县机关包括长期)保管价值的档案;
(六)收集、整理、保管与本机关档案内容有关的资料,配合档案提供利用;
(七)拟定本机关和本专业系统档案工作的规划,档案的管理制度和办法;
(八)进行调查研究,不断总结、交流和推广档案工作的先进经验;
(九)培训本系统的档案干部;
(十)完成领导交办的与档案工作有关的其它事项。
第六条 各机关必须设立相应的档案工作机构。省直凡对下有业务指导关系的专业主管机关,应成立档案处、科,对下没有业务指导关系的,应建立档案室。地(市)县直属机关也应建立档案室(科),区、乡(社)应建立联合档案室,由乡党委秘书集中统一管理各种档案,并承担对
下属机构的档案业务指导任务。
第七条 各机关的档案工作,要有一位负责同志分管,由办公室主任或政秘部门的负责同志具体领导。业务上受同级和上级档家业务管理机关的指导、监督与检查。
驻在地方的中央、省直属单位的档案工作,实行以专业主管机关为主,地方档案管理机关为辅的管理体制。
第八条 各机关应为档案部门配备政治上可靠,具有高中毕业或高中以上文化程度和一定专业知识、能够胜任工作的相应数量的干部。
第九条 档案干部应保持相对稳定。调出具有业务职称的档案干部,应事先征得档案管理机关的同意。
第十条 档案干部要努力学习马列主义、毛泽东思想,坚持四项基本原则,认真执行党和国家的各项方针、政策,热爱档案事业,刻苦钻研业务,注意总结经验,不断提高政治思想、科学文化和档案业务水平。
第十一条 各级专业主管机关的档案部门都要采用多种形式,对所属单位的文书、档案干部进行业务培训,组织经验交流,开展学术研究活动,不断提高他们的业务水平、学识水平和科学管理水平。

第三章 文书立卷和归档
第十二条 机关要建立、健全文书平时归卷和年终立卷归档制度。凡机关工作活动中形成的具有保存价值的文件材料(包括党、政、工、团,人事、纪检、保卫、财会等工作中形成的,以及机关领导人负责承办完毕的文件材料),均应由文书部门或有关业务部门进行立卷、整理,并定
期向档案部门归档和移交。
第十三条 各单位应建立、健全文书立卷归档制度,并列入有关人员的职责范围,作为对干部考核、晋升的内容之一。
第十四条 归档的文件材料,要做到齐全、完整,保持文件之间的历史联系,区分保存价值,分类清楚,案卷标题简明确切,便于保管和利用。具体要求:
(一)要注意收集机关党组和人事部门的文件材料,政治运动和案件材料;会议和外出活动带回的文件材料;机关负责人、知名人士在各种会议上的讲话、学术报告;上级负责人来本地区视察工作的讲话、录音带、照片、题词;内部工作计划、调查、统计报告;重要的电话、值班记录
;作为文书档案附件的图表、图纸、计算材料;反映机关及其领导人活动的简报等文件材料。
(二)不同年代的文件要分年立卷;跨年代的案件要放在结案年代;跨年代的会议放在会议召开的年代;跨年代的长期规划放在开始年代;跨几个年度的工作总结放在针对的结束年代。
(三)文件和电报要按照内容的联系,合并整理立卷。
(四)应按照保管期限表的规定,将不同价值的文件材料分别组卷,联系密切的文件可以就高不就低。
(五)卷内文件按文件内容之间的联系和事情的来龙去脉、发展过程、重要程度等,进行系统排列。
(六)案卷标题要简明确切、通顺、结构完整,并要准确地反映卷内文件的内容和文件排列的次序。
(七)永久、长期保管的案卷,要编写卷内目录,编定张号,填写卷内备考表,去掉金属物,装订时做到不漏页,不倒页,不压字。
(八)填写案卷目录和书写卷皮,一律用钢笔或毛笔书写,字迹要工整、清楚、美观。
第十五条 机关档案部门应积极对文书立卷工作进行检查、指导,以保证立成案卷的质量。
第十六条 归档时间一般应在第二年第一季度,最迟不超过第二季度。交接双方根据移交目录清点核对,并履行签字手续。
第十七条 各级档案管理部门要对同级直属机构,各级专业主管机关要对直属单位的案卷质量实行验收发证制度,凡案卷质量符合要求的,就发给合格证。

第四章 档案的管理和提供利用
第十八条 机关档案室接收文书部门的案卷,按下列要求进行加工整理:
(一) 对每年形成的案卷,一般应先按保管期限后按组织机构或问题的方法进行排列,再按保管期限、年代、机构或问题的次序统一编大流水号(归档文件不齐全的,可用铅笔暂编小流水号)。
(二)不同保管期限的案卷应分别编制案卷目录。
(三)根据档案内容和机关职能活动,逐年编写当年机关沿革和档案情况说明,其内容包括机关的性质、任务、人员编制,内部机构设置、工作分工、人员配备,机关领导人姓名、任职时间,机构和人员的变化情况,重要的工作活动,以及案卷整理的情况、问题等。
(四)县以上党、政领导机关制发的重要文件,除定稿和一份复印件归挡外,还要保留两套复印件,分别按文号顺序或问题性质整理、编目,装订成册,另行存放。
第十九条 机关档案部门应建立档案的登记、统计制度,对档案的收进、移出、保管、利用数量和效果进行登记和统计,并按规定向档案业务管理机关报送档案工作基本情况统计表。
第二十条 机关档案部门应根据国家的有关规定,制定本机关或本专业系统的《档案材料保管期限表》,经机关领导人批准后执行,并报同级档案业务管理机关备案。
第二十一条 机关应定期对超过保管期限的档案进行鉴定。鉴定档案必须在机关办公室主任或秘书部门领导同志的主持下,由档案部门和有关业务部门组成鉴定小组共同进行。鉴定工作结束后,要提出工作报告,对确无保存价值的档案进行登记造册,经机关领导人批准销毁。批准销毁
的报告,要归入机关全宗卷。
第二十二条 机关销毁档案,应指定两人负责监销,防止档案遗失和泄密。监销人要在销毁清册上签字。
第二十三条 机关的档案库房和橱柜要坚固适用,逐步达到防震,防盗、防火、防虫、防鼠、防潮、防尘、防高温、防光等要求。有条件的机关档案部门,要逐步采用先进技术设备,实现档案管理的科学化和现代化。
第二十四条 机关档案部门要成立、健全库房管理制度,定期和不定期地检查档案的保管状况。对虫蛀、霉变、纸质老化、字迹褪色的档案要尽快采取补救措施。
第二十五条 机关档案部门应根据档案内容和工作需要,编制重要文件卡片(目录)和专题人名索引等检索工具,自编或会同有关部门编写机关工作大事记、历年组织沿革、基础数字汇编、专题概要等参考资料,积极主动地开展档案的利用工作,为机关各项工作服务并注意掌握档案的
利用效果。
第二十六条 机关档案部门应建立健全档案的借阅、摘抄、复制等利用工作制度。根据档案的机密程度,确定不同的利用范围、利用方法和审批手续。机关档案部门保管的档案,主要供本机关和上级主管机关使用,对外提供利用要从严掌握。提供机密档案,要经机关领导人批准。
第二十七条 档案保管人员调动工作时,应在离职前办理交接手续。

第五章 档案的移交
第二十八条 省直机关(含三级机构)应将永久保存的档案,在本机关保存二十年左右,省辖市、行署和县以下机关应将永久、长期保存的档案在机关保存十年左右,连同档案目录(一式三份)全宗介绍和有关的检索工具、参考资料等,一并向有关档案馆移交,区、乡(社)收到的上
级党.政机关普发的文件作短期保管,可不向县档案馆移交。
第二十九条 各级临时机构形成的全部档案,必须系统地整理好,向有关主管机关的档案部门或档案馆移交。一个机关的全部档案是不可分割的整体,应统一向一个档案馆移交。
第三十条 机关撤销或合并时,必须将本机关的全部档案收集齐全,妥善保管,不得分散,并按下列办法进行处理:
(一)撤销机关的档案,应向有关的档案馆进行移交或由有关主管机关代管;
(二)机关撤销的业务分别划归几个机关的,其档案材料不得分散,可由其中一个机关代管或向有关的档案馆移交;
(三)一个机关并入另一个机关或几个机关合并为一个新的机关,其档案材料应移交给合并后的机关代管或向有关的档案馆移交;
(四)一个机关的一部分业务或者一个部门划拔给另一个机关,其档案材料不得带人新划拔机关,如果工作需要利用,可以借阅或者复制;
(五)机关撤销或者合并时,没有处理完毕的文件材料,可以移交给新的机关继续处理,并作为新的机关的档案加以保管;
(六)一个机关改变了领导关系,原工作活动中形成的全部档案仍属原来的全宗,实行集中统一管理。

第六章 附 则
第三十一条 各机关可根据本办法结合本机关的具体情况,制定本机关的实施细则。
第三十二条 本办法公布以前已整理好的档案,只要附合以前的有关规定,一般不要调整。省直机关一九八二年及其以前的永久卷和长期卷应一道进馆,从一九八三年开始只向省档案馆移交永久卷。
第三十三条 企业、事业单位的档案工作应参照本办法执行,其中科学技术档案工作应按《科学技术档案工作条例》办理。
第三十四条 本办法自批准之日起施行,一九七五年的《安徽省文书立卷和档案工作暂行办法》同时作废。




1984年2月22日
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中国银行业代理人身保险业务自律公约

中国银行业协会


中国银行业代理人身保险业务自律公约




  第一章 总则

  第一条 为了维护正常的市场秩序,规范银行兼业代理人身保险业务行为,打击商业贿赂,遏制恶性竞争,建立自我约束和相互监督机制,促进银行保险业务持续、健康发展,根据《中华人民共和国商业银行法》、《中华人民共和国保险法》等国家有关法律、法规及《中国银行业自律公约》及《中国银行业自律公约实施细则》,经中国银行业协会全体会员单位共同商定,签订本公约,全体会员单位承诺互相监督、共同遵守。

  第二条 本公约适用于中国银行业协会会员单位及其从业人员。 

  第二章 基本规定

  第三条 会员单位代理人身保险业务,应当取得保险兼业代理资格;没有取得兼业代理资格的代理机构或代理网点不得开展代理人身保险业务。

  第四条 银行代理销售人员应定期接受相关业务培训,每年培训时间不得少于监管部门规定时数,并积极参加销售人员资格考试,取得《保险代理从业人员资格证书》和监管部门要求的其他资格认证。

  第五条 会员单位兼业代理人身保险业务时,应与被代理保险公司依法签订保险代理合同。

  第六条 会员单位应当根据自身业务发展情况和风险管控能力确定合作的寿险公司数量。

  第七条 从事代理人身保险业务的会员单位应由专门部门或专人负责保险代理业务,加强相关内控制度建设,定期开展对制度执行情况的内部监督检查。会员单位应按照兼业代理保险业务的有关规定,建立代理保险业务档案,逐笔记录有关要素和信息。

  第八条 会员单位应加大电子化建设力度,完善代理保险业务电子化操作系统和账务系统,减少手工操作。

  第九条 会员单位开展代理人身保险业务,应按代理金额的一定比例或代理业务笔数收取手续费,并按照《国家税务总局、中国保监会关于规范保险中介服务发票有关问题的通知》(国税发〔2004〕51号)规定,向保险公司开具《保险中介服务统一发票》。

  第十条 会员单位代理人身保险业务应开设独立的代收保费账户并单独核算,不得以保费收入抵扣代理手续费。代理手续费收入要全额入账,严禁账外核算和经营。会员单位及其工作人员不得在合作协议规定的手续费之外接受保险公司及其工作人员给予的其他利益。

  第十一条 会员单位应切实加强所代理保险产品的宣传和信息披露管理。各类宣传材料应由被代理的保险公司总公司或其授权的分公司统一印发和管理,不得擅自印制宣传材料或变更其内容。会员单位的代理销售人员介绍保险产品时,必须全面客观,不得夸大或变相夸大保险合同利益,不得承诺不确定收益或进行误导性演示,不得有虚假、欺瞒或不正当竞争的表述。代理销售人员不得将保险产品收益与其他金融产品进行片面类比,不得抵毁同业。 

  第三章 服务、监督和处罚

  第十二条 中国银行业协会自律工作委员会负责及时向有关部门反映会员单位的意愿和要求,维护会员单位的正当权益;建立行业内部沟通协调机制,共同维护银行保险市场的正常秩序;及时向会员单位传递国家政策及行业自律信息。

  第十三条 任何单位或个人均有权对会员单位及其从业人员履行公约的情况进行监督,并有权向中国银行业协会反映有关情况。

  第十四条 会员单位及其从业人员违反本公约的,经中国银行业协会自律工作委员会查实后,给予相应惩戒。

  (一)未对客户和社会造成严重影响,情节轻微的,酌情给予以下处理:

  1.责令违约单位限期改正;

  2.协会内部通报;

  3.依照《中国银行业协会章程》进行其他处理。

  (二)对客户和社会造成恶劣影响,情节严重的,由中国银行业协会自律工作委员会提出处理建议,报中国银行业监督管理委员会批准后执行。

  第十五条 非会员单位及其从业人员违反本公约的,由中国银行业协会自律工作委员会报中国银行业监督管理委员会处理。

  第十六条 会员单位对于中国银行业协会自律工作委员会的处理有异议的,可以向中国银行业监督管理委员会反映。

  第四章 附则

  第十七条 本公约由中国银行业协会会员单位签署后生效。

  第十八条 在本公约生效后,取得中国银行业协会会员资格的单位,自签署之日起,视为自愿加入本公约。

  第十九条 本公约由中国银行业协会自律工作委员会负责解释和修改。



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.





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