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我新近翻译的法律文件: 融资性担保公司管理暂行办法 [Copy link] 中文

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(7) Business development strategy and plans.
(八)营业场所证明材料。
(8) the certificates of the business places.
(九)监管部门要求提交的其他文件、资料。
(9) Other documents and materials as required by the regulatory authorities for submission.  
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:
Article 12: In one of the following changes or circumstances, the financing guarantee company shall obtain the examination and approval from the regulatory authorities:
(一)        变更名称。
(1) The change of its name.
(二)变更组织形式。
(2) The change of its organizational structure.
(三)变更注册资本。
(3) The change of its registered capital.
(四)变更公司住所。
(4) The change of its domicile.
(五)调整业务范围。
(5) The adjustment of its business scope.
(六)变更董事、监事和高级管理人员。
(6) The change  of its directors, supervisors and senior management executives.
(七)变更持有5%以上股权的股东。
(7) The change of its shareholder (s) holding 5% or more of the shares of the company.
(八)分立或者合并。
(8) its division or merger.

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第十六条  融资性担保公司解散或被撤销的,应当依法成立清算组进行清算,按照债务清偿计划及时偿还有关债务。监管部门监督其清算过程。
Article 16: Where a financing guarantee company is to be dissolved or cancelled, a liquidation group shall be formed according to the law and shall pay the relevant debts on a timely basis according to the debt liquidation plan. The regulatory authorities shall conduct the supervision over the liquidation process.
担保责任解除前,公司股东不得分配公司财产或从公司取得任何利益。
Prior to the release or relief of the guarantee liabilities, the shareholders of the company shall not distribute the company’s assets or properties, nor shall they obtain any interests or benefits from the company.
第十七条  融资性担保公司不能清偿到期债务,并且资产不足以清偿全部债务或者明显缺乏清偿能力的,应当依法实施破产。
Article 17: Where a financing guarantee company fails to pay its due debts and becomes insolvent to settle all debts or obviously lacks the solvency, it shall go through the bankruptcy procedures according to the law.  
第三章  业务范围
Chapter 3: Its business scope
第十八条  融资性担保公司经监管部门批准,可以经营下列部分或全部融资性担保业务:
Article 18:  The financing guarantee company, after it obtains the approval from the regulatory authorities, can operate the following financing guarantee business, partially or wholly:
(一)        贷款担保。
(1) Loan guarantee.
(二)票据承兑担保。
(2) Guarantee of acceptance of bills.
(三)贸易融资担保。
(3) Trade Financing Guarantee.
(四)项目融资担保。
(4) Project Financing Guarantee.
(五)信用证担保。
(5) Guarantee of Letter of Credit
(六)其他融资性担保业务。
(6) Other financing guarantee businesses.
第十九条  融资性担保公司经监管部门批准,可以兼营下列部分或全部业务:
Article 19: The financing guarantee company, after it obtains the approval from the regulatory authorities, can concurrently operate the following financing guarantee business, partially or wholly:
(一)        诉讼保全担保。
  (1) Guarantee of property preservation under a lawsuit,
(二)投标担保、预付款担保、工程履约担保、尾付款如约偿付担保等履约担保业务。
(2) Tender guarantee, advance payment guarantee, project performance guarantee and the payment guarantee of the remaining balance of a project and other performance guarantee businesses.  
(三)与担保业务有关的融资咨询、财务顾问等中介服务。
(3) Financial consultation, financial consultant and other intermediary services related to the guarantee business.
(四)以自有资金进行投资。
(4) Investment activities with its own capital.
(五)监管部门规定的其他业务。
(5) Other businesses as stipulated by the regulatory authorities.
第二十条  融资性担保公司可以为其他融资性担保公司的担保责任提供再担保和办理债券发行担保业务,但应当同时符合以下条件:
Article 20: The financing guarantee company can provide the re-guarantee for the guarantee liabilities of any other financing guarantee company and handle the bond issuance guarantee business, but it shall meet with the following conditions:

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(一)近两年无违法、违规不良记录。
(1) It has no negative record of breach of law or any violation of the regulations in recent two years.
(二)监管部门规定的其他审慎性条件。
(2) The prudential conditions as stipulated by the regulatory authorities.
从事再担保业务的融资性担保公司除需满足前款规定的条件外,注册资本应当不低于人民币1亿元,并连续营业两年以上。
Where a financing guarantee company engages in the guarantee business, its registered capital should be no less than 100 million RMB yuan and has the continuous business operation for two or more years In addition to satisfying the conditions of the preceding paragraph.
第二十一条  融资性担保公司不得从事下列活动:
Article 21: The financing guarantee company shall not engage in the following activities:
(一)吸收存款。
(1) Accepting money deposits.
(二)发放贷款。
(2) Granting loans.
(三)受托发放贷款。
(3) Being entrusted to grant loans.
(四)受托投资。
(4) Being entrusted to invest.
(五)监管部门规定不得从事的其他活动。
(5) Any other activities prohibited by the regulatory authorities.
融资性担保公司从事非法集资活动的,由有关部门依法予以查处。
Where the financing guarantee company engages in any illegal fund-raising activities, it shall be investigated and prosecuted by the relevant authorities according to law.

第四章  经营规则和风险控制
Chapter 4: Its business operation rules and the risk control  
第二十二条  融资性担保公司应当依法建立健全公司治理结构,完善议事规则、决策程序和内审制度,保持公司治理的有效性。
Article 22: The financing guarantee company should establish a sound mechanism of its corporate governance structure, and perfect the rules of procedures, decision-making procedures and internal auditing system so as to maintain the effectiveness of its corporate governance.
跨省、自治区、直辖市设立分支机构的融资性担保公司,应当设两名以上的独立董事。
Where a financing guarantee company sets up its branches or affiliates in other provinces, autonomous regions and municipalities, it shall appoint two or more independent director or such a branch or affiliate.
第二十三条  融资性担保公司应当建立符合审慎经营原则的担保评估制度、决策程序、事后追偿和处置制度、风险预警机制和突发事件应急机制,并制定严格规范的业务操作规程,加强对担保项目的风险评估和管理。
Article 23: A financing guarantee company should establish the guarantee assessment system, decision-making procedures, follow-up recovery and disposal system, risk early-warning mechanism and emergency response mechanism and also work out the strict and regulatory business operation procedures so as to strengthen the risk assessment and management of the guarantee projects.
第二十四条  融资性担保公司应当配备或聘请经济、金融、法律、技术等方面具有相关资格的专业人才。
Article 24: A financing guarantee company should have or employ the relevant qualified professionals and talents in the economic, financing, legal and technological fields, etc.
跨省、自治区、直辖市设立分支机构的融资性担保公司应当设立首席合规官和首席风险官。首席合规官、首席风险官应当由取得律师或注册会计师等相关资格,并具有融资性担保或金融从业经验的人员担任。
Where a financing guarantee company sets up its branches or affiliates in other provinces, autonomous regions and municipalities, it shall have the Chief Compliance Officer (CCO) and the Chief Risk Officer (CRO). They should have obtained such qualifications as, the lawyer or certificated public accountant, etc., and the posts of the Chief Compliance Officer (CCO) and the Chief Risk Officer (CRO) should be taken by the persons who have the financing guarantee or financing experience.

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第二十五条  融资性担保公司应当按照金融企业财务规则和企业会计准则等要求,建立健全财务会计制度,真实地记录和反映企业的财务状况、经营成果和现金流量。
Article 25: A financing guarantee company should establish a sound and complete set of financial accounting systems, truly and accurately record and reflect the enterprise’s financial position, operating results and cash flows in accordance with the requirements or provisions of the enterprise financial rules and the enterprise accounting standards. ,
第二十六条  融资性担保公司收取的担保费,可根据担保项目的风险程度,由融资性担保公司与被担保人自主协商确定,但不得违反国家有关规定。
Article 26: The guarantee fees collected by a financing guarantee company shall be determined through consultation by the financing guarantee company and the Secured Party at their own discretion in accordance with the risk degree of the guarantee project but it shall not go against the relevant regulations of the state.
第二十七条  融资性担保公司对单个被担保人提供的融资性担保责任余额不得超过净资产的10%,对单个被担保人及其关联方提供的融资性担保责任余额不得超过净资产的15%,对单个被担保人债券发行提供的担保责任余额不得超过净资产的30%。
Article 27: The financing guarantee liability balance to a single Secured Party by a financing guarantee company shall not be more than 10% of its net assets; the financing guarantee liability balance to a single Secured Party and its affiliated party shall not be more than 15% of its net assets and the financing guarantee liability balance to a single Secured Party for bond issuance shall not be more than 30% of its net assets.
第二十八条  融资性担保公司的融资性担保责任余额不得超过其净资产的10倍。
Article 28: The financing guarantee liability balance of a financing guarantee company shall not be more than 10% of its net assets.
第二十九条  融资性担保公司以自有资金进行投资,限于国债、金融债券及大型企业债务融资工具等信用等级较高的固定收益类金融产品,以及不存在利益冲突且总额不高于净资产20%的其他投资。
Article 29: The investment activities conducted by a financing guarantee company with its own capital shall be limited to the Fixed-earning financial products with higher credit ratings, such as, treasury bonds, financial bonds and debt financing instruments of large enterprises and other investments that have no interest conflict with the total amount less than 20% of its net assets.
第三十条  融资性担保公司不得为其母公司或子公司提供融资性担保。
Article 30:  A financing guarantee company shall not provide the financing guarantee to its parent company or subsidiary company.
第三十一条  融资性担保公司应当按照当年担保费收入的50%提取未到期责任准备金,并按不低于当年年末担保责任余额1%的比例提取担保赔偿准备金。担保赔偿准备金累计达到当年担保责任余额10%的,实行差额提取。差额提取办法和担保赔偿准备金的使用管理办法由监管部门另行制定。
Article 31: A financing guarantee company should allocate 50% of its guarantee income as its undue liability reserve and also allocate the guarantee compensation reserve at the proportion of  1% of guarantee liability balance at the end of the current fiscal year.  Where the guarantee compensation reserve accounts for over 10 percent of the total guarantee liability balance of the current fiscal year, it shall adopt the surplus allocation method. But the surplus allocation method and the use and management methods of the guarantee compensation reserve shall be additionally work out by the regulatory authorities.
监管部门可以根据融资性担保公司责任风险状况和审慎监管的需要,提出调高担保赔偿准备金比例的要求。
The regulatory authorities can impose the requirement for raising the proportion of the guarantee compensation reserve in accordance with the liability risk conditions and the prudent supervision requirements.
融资性担保公司应当对担保责任实行风险分类管理,准确计量担保责任风险。
A financing guarantee company should conduct the risk classification management of its guarantee liabilities and exactly and accurately measure its guarantee liability risks.
第三十二条  融资性担保公司与债权人应当按照协商一致的原则建立业务关系,并在合同中明确约定承担担保责任的方式。
Article 32: A financing guarantee company and its creditor should establish the business relationship in the principle of amicable and unanimous discussion and consultation and should also make clear the mode of their respective performance of the guarantee liabilities in the contract.

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第三十三条  融资性担保公司办理融资性担保业务,应当与被担保人约定在担保期间可持续获得相关信息并有权对相关情况进行核实。
Article 33: When a financing guarantee company handles its financing guarantee business, it and the Secured Party should clearly specify in the contract that it can continuously obtain the relevant information and has the right to verify the relevant situations during the guarantee period.
第三十四条  融资性担保公司与债权人应当建立担保期间被担保人相关信息的交换机制,加强对被担保人的信用辅导和监督,共同维护双方的合法权益。
Article 34: A financing guarantee company and its creditor should establish the mechanism for the exchange of the relevant information about the Secured Party during the guarantee period so as to strengthen the credit counseling t and supervision over the Secured Party and mutually maintain the legitimate interests and rights of both parties.
第三十五条  融资性担保公司应当按照监管部门的规定,将公司治理情况、财务会计报告、风险管理状况、资本金构成及运用情况、担保业务总体情况等信息告知相关债权人。
Article 35: A financing guarantee company should clearly notify the relevant creditors the relevant information related to the corporate governance, financial accounting reports and statements, risk management conditions, capital composition and the capital use , the  general situation of the guarantee business, etc.

第五章  监督管理
Chapter 5: Supervision and Management
第三十六条  监管部门应当建立健全融资性担保公司信息资料收集、整理、统计分析制度和监管记分制度,对经营及风险状况进行持续监测,并于每年6月底前完成所监管融资性担保公司上一年度机构概览报告。
Article 36: The regulatory authorities should establish the sound systems of collection, collating and statistical analysis of the information and materials of the financing guarantee company and the supervision and the regulatory score-recording system to conduct the continuous monitoring of the operations and risk status and shall also complete the previous year’s institutional overview reports of the financing guarantee companies prior to the end of June every year.
第三十七条  融资性担保公司应当按照规定及时向监管部门报送经营报告、财务会计报告、合法合规报告等文件和资料。
Article 37: A financing guarantee company should submit its operation reports, financial accounting statements, legal compliance reports and other documents and materials to the regulatory authorities on a timely basis as required.
融资性担保公司向监管机构提交的各类文件和资料,应当真实、准确、完整。
All kinds of documents and materials submitted to the regulatory authorities by the financing guarantee companies should be true, accurate and complete.
第三十八条  融资性担保公司应当按季度向监管部门报告资本金的运用情况。
Article 38: The financing guarantee companies should report to the regulatory authorities the capital use conditions on a quarterly basis.
监管部门应当根据审慎监管的需要,适时提出融资性担保公司的资本质量和资本充足率要求。
The regulatory authorities should give the requirements for the capital quality and the capital adequacy ratio of the financing guarantee companies in good time in the principle of the prudent supervision.
第三十九条  监管部门根据监管需要,有权要求融资性担保公司提供专项资料,或约见其董事、监事、高级管理人员进行监管谈话,要求就有关情况进行说明或进行必要的整改。
Article 39: The regulatory authorities have the right to require the financing guarantee companies to provide the special materials or make an appointment to meet with the directors, supervisors and senior management executives for a regulatory interview or require the explanation of the relevant conditions and the necessary rectification and improvement according to the regulatory requirements.
监管部门认为必要时,可以向债权人通报所监管有关融资性担保公司的违规或风险情况。
The regulatory authorities can give a report to the creditors about the non-compliance or risks of the relevant financing guarantee companies under its jurisdiction.
第四十条  监管部门根据监管需要,可以对融资性担保公司进行现场检查,融资性担保公司应当予以配合,并按照监管部门的要求提供有关文件、资料。
Article 44: The regulatory authorities can conduct the on-site inspection of the financing guarantee companies according to the regulatory requirements and the financing guarantee companies should give assistance in providing the relevant documents and materials to the regulatory authorities.

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