汽車金融公司管理辦法翻譯案例-法律法規(guī)類翻譯模板

汽車金融公司管理辦法

Administrative Rules Governing the Auto Financing Company

第一章 總則

Chapter I General Provisions

第一條 為適應汽車金融服務業(yè)發(fā)展的需要，規(guī)范經(jīng)營汽車金融業(yè)務的非銀行金融機構(gòu)的行為，依據(jù)有關法律、行政法規(guī)，制定本辦法。

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.

第二條 本辦法所稱汽車金融公司，是指經(jīng)中國銀行業(yè)監(jiān)督管理委員會依據(jù)有關法律、行政法規(guī)和本辦法規(guī)定批準設立的，為中國境內(nèi)的汽車購買者及銷售者提供貸款的非銀行金融企業(yè)法人。

Article2 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.

第三條 中國銀行業(yè)監(jiān)督管理委員會負責對汽車金融公司的監(jiān)督管理。

Article3 Auto financing companies are supervised and regulated by the China Banking Regulatory Commission.

第二章 機構(gòu)的設立、變更與終止

Chapter II Incorporation, Change and Termination

第四條 設立汽車金融公司應當經(jīng)中國銀行業(yè)監(jiān)督管理委員會批準。 未經(jīng)中國銀行業(yè)監(jiān)督管理委員會批準，任何單位和個人不得擅自設立汽車金融公司或者變相從事汽車金融業(yè)務,不得在機構(gòu)名稱中擅自使用\"汽車金融\"、\"汽車信貸\"等表明從事汽車金融業(yè)務的字樣。

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

第五條 出資設立汽車金融公司，出資人應具備下列條件：

Article 5 An investor of an auto financing company shall satisfy following requirements:

（一） 中國境內(nèi)外依法設立的企業(yè)法人。

 (a) It shall be a corporate legal entity incorporated in and outside China.

非金融機構(gòu)，其最近一年的總資產(chǎn)不低于40億元人民幣或等值的自由兌換貨幣，年營業(yè)收入不低于20億元人民幣或等值的自由兌換貨幣；

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.

非銀行金融機構(gòu)，其注冊資本不低于3億元人民幣或等值的自由兌換貨幣。

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;

（二）經(jīng)營業(yè)績良好，最近3年連續(xù)盈利。

(b) It shall have sound business performance and remain profitable for the last three consecutive years;

（三）遵守注冊所在地法律，無違法、犯罪行為。

(c) It shall comply with the laws of the countries where it is incorporated and shall have a clean record;

（四）主要出資人須為汽車企業(yè)、非銀行金融機構(gòu)。

(d) In case of the largest investor, it shall be an auto enterprise or a non-bank financial institution.

汽車企業(yè)是指生產(chǎn)或銷售汽車整車的企業(yè)。

The auto enterprise refers to an enterprise that manufactures and sells the whole unit of an automobile.

主要出資人是指出資數(shù)額最多且出資額不得低于擬設汽車金融公司全部股本30%的出資人。

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;

（五）同一企業(yè)法人不得投資一個以上的汽車金融公司。

(e) It shall not invest in more than one auto financing company;

（六）中國銀行業(yè)監(jiān)督管理委員會規(guī)定的其他審慎性條件。

and (f) It shall satisfy other prudential supervisory requirements set forth by the China Banking Regulatory Commission.

第六條 設立的汽車金融公司，應當具備下列條件:

Article6 An auto financing company shall satisfy the following conditions in order to be incorporated:

（一）具有符合本辦法要求的最低注冊資本。

 a) the minimum amount of registered capital required by the Rules;

（二）具有符合《中華人民共和國公司法》等相關法律和本辦法要求的章程。

 b) Articles of Association that complies with relevant laws including the Company Law of the People’s Republic of China and the Rules;

（三）具有熟悉汽車融資及相關業(yè)務的高級管理人員。

 c) senior management familiar with auto financing and other related business;

（四）具有健全的組織機構(gòu)、管理制度和風險控制制度。

 d) a sound organizational structure, management and risk control systems;

（五）具有與業(yè)務經(jīng)營相適應的營業(yè)場所、安全防范措施和其他設施。

 e) proper business premises, safety measures and other facilities for business operations;

（六）中國銀行業(yè)監(jiān)督管理委員會規(guī)定的其他條件。

and f) other conditions set out by the China Banking Regulatory Commission.

第七條 汽車金融公司注冊資本的最低限額為 5億元人民幣或等值的自由兌換貨幣。注冊資本為實繳貨幣資本。

Article7 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.

中國銀行業(yè)監(jiān)督管理委員會根據(jù)汽車金融業(yè)務發(fā)展情況及審慎監(jiān)管的需要，可以調(diào)整注冊資本的最低限額，但不得少于前款規(guī)定的限額。

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.

第八條 汽車金融公司的設立須經(jīng)過籌建和開業(yè)兩個階段。 申請人提交的申請籌建、申請開業(yè)的資料，應以中文書寫為準。

Article8 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.

第九條 申請籌建汽車金融公司，應由主要出資人作為申請人向中國銀行業(yè)監(jiān)督管理委員會提交下列資料:

Article9 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:

(一) 籌建申請書。其內(nèi)容應包括擬設汽車金融公司名稱、公司注冊所在地、注冊資本金，出資人及各自的出資額、業(yè)務范圍等。

 (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.;

(二) 設立汽車金融公司的可行性研究報告。其內(nèi)容包括對擬設公司的市場前景分析、未來業(yè)務發(fā)展規(guī)劃、組織管理架構(gòu)和風險控制能力分析、公司開業(yè)后3年的資產(chǎn)負債規(guī)模和盈利預測等內(nèi)容。

(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;

(三) 擬設立汽車金融公司的章程（草案）。

(c) an Articles of Association of the auto financing company (a draft note);

(四) 出資人基本情況，包括出資人名稱、法定代表人、注冊地址、營業(yè)執(zhí)照復印件、經(jīng)營情況等。

(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.;

(五)出資人最近3年經(jīng)法定機構(gòu)審計的資產(chǎn)負債表、損益表和現(xiàn)金流量表。

(e) the investor’s balance sheet, profit and loss statement and cash flow statement for the latest three years audited by qualified auditing firms;

(六) 籌建負責人名單及簡歷。

(f) name and resume of the person in charge of the preparation;

(七) 中國銀行業(yè)監(jiān)督管理委員會要求提交的其他文件。

and (g) other documents required by the China Banking Regulatory Commission.

申請人為外國非銀行金融機構(gòu)的，申請籌建時應提供其注冊地金融監(jiān)管當局出具的書面意見。申請人為非金融機構(gòu)的，申請籌建時應提供評級機構(gòu)對申請人最近1年的信用評級報告。

 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.

第十條 中國銀行業(yè)監(jiān)督管理委員會自收到完整的籌建申請資料之日起6個月內(nèi)作出是否批準籌建的書面答復。

Article10 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.

第十一條 申請人應當自接到中國銀行業(yè)監(jiān)督管理委員會批準籌建文件之日起6個月內(nèi)完成籌建工作。

Article11 The applicant shall, upon receiving the approval letter from the China Banking Regulatory Commission, complete the preparation within six months.

有正當理由需要延長籌建期限的，應當在籌建期限屆滿前書面向中國銀行業(yè)監(jiān)督管理委員會提出申請，經(jīng)批準可以延長3個月。

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.

籌建期限屆滿或延長期限屆滿，申請人未提出開業(yè)申請的，原籌建批準決定自動失效。

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.

籌建期內(nèi)不得以汽車金融公司名義從事經(jīng)營活動。

During the preparation stage, the applicant shall not conduct any auto financing business.

第十二條 申請人應當在籌建期限屆滿前或延長期限屆滿前，向中國銀行業(yè)監(jiān)督管理委員會提出開業(yè)申請，并提交下列文件、資料:

Article12 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:

(一) 籌建工作完成情況報告和申請開業(yè)報告。

 (a) a report on completion of the preparation and an application letter for business commencement;

(二) 中國法定驗資機構(gòu)出具的驗資證明、工商行政管理機關出具的對擬設機構(gòu)名稱的預核準登記書。

(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;

(三) 汽車金融公司章程。

(c) articles of Association of the auto financing company;

(四) 擬任高級管理人員的名單、詳細履歷。

(d) names and detailed resumes of proposed senior managerial personnel;

(五) 股東名稱及其出資額。

(e) name and capital contribution of each shareholder;

(六) 擬辦業(yè)務的規(guī)章制度及內(nèi)部風險控制制度。

(f) proposed business rules and procedures and internal controls;

(七) 有權(quán)部門出具的營業(yè)場所及其他與業(yè)務有關設施安全驗收合格文件。

(g) verification documents on business premises and other business-related facilities issued by relevant authorities;

(八) 中國銀行業(yè)監(jiān)督管理委員會要求的其他文件。

and (h) other documents required by the China Banking Regulatory Commission.

第十三條 中國銀行業(yè)監(jiān)督管理委員會自收到完整的開業(yè)申請文件、資料之日起3個月內(nèi)作出核準開業(yè)或不核準開業(yè)的決定。決定核準開業(yè)的，書面通知申請人，頒發(fā)經(jīng)營金融業(yè)務許可證，核準其業(yè)務范圍。不予核準開業(yè)的，應書面通知申請人并說明理由。

Article13 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.

申請人憑該許可證到工商行政管理部門辦理注冊登記，領取《企業(yè)法人營業(yè)執(zhí)照》后方可營業(yè)。

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.

汽車金融公司自領取營業(yè)執(zhí)照之日起，無正當理由3個月不開業(yè)或開業(yè)后自行停業(yè)連續(xù)6個月的，由中國銀行業(yè)監(jiān)督管理委員會收回其許可證，并予以公告。

 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.

第十四條 汽車金融公司不得設立分支機構(gòu)。

Article14 An auto financing company shall not set up any branch or subsidiary.

第十五條 中國銀行業(yè)監(jiān)督管理委員會對汽車金融公司高級管理人員實行任職資格核準或備案制度。

Article15 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.

汽車金融公司董事長、總經(jīng)理及副總經(jīng)理、董事和財務總監(jiān)等的任職資格應當報經(jīng)中國銀行業(yè)監(jiān)督管理委員會審查核準。有關高級管理人員的任職資格及其核準或備案程序另行規(guī)定。

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.

第十六條 汽車金融公司有下列變更事項之一的，應報經(jīng)中國銀行業(yè)監(jiān)督管理委員會批準:

Article16 An auto financing company, in case of any of the following changes, shall seek the approval of the China Banking Regulatory Commission:

(一) 變更公司名稱。

 (a) change of company name;

(二) 變更注冊資本。

(b) change of registered capital;

(三) 變更營業(yè)場所。

(c) change of business premises;

(四) 調(diào)整業(yè)務范圍。

(d) change of business scope;

(五) 改變組織形式。

(e) change of organizational structure;

(六) 調(diào)整股權(quán)結(jié)構(gòu)。

(f) change of equity structure;

(七) 修改章程。

(g) revision of Articles of Association;

(八) 更換高級管理人員。

(h) change of senior managerial personnel;

(九) 合并或分立。

(i) merger or split;

(十) 中國銀行業(yè)監(jiān)督管理委員會規(guī)定的其他變更事項。

and (j) other changes that require the approval of the China Banking Regulatory Commission.

第十七條 汽車金融公司因解散、依法被撤銷或被宣告破產(chǎn)而終止的，其清算事宜，按照有關法律法規(guī)的規(guī)定辦理。

Article17 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.

第三章 業(yè)務范圍和監(jiān)督管理

ChapterIII Business Scope and Supervision

第十八條 經(jīng)批準，汽車金融公司可從事下列部分或全部人民幣業(yè)務：

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:

（一）接受境內(nèi)股東單位3個月以上期限的存款。

 (a) taking deposits with maturity of no less than three months from its shareholders in the mainland of China;

（二）提供購車貸款業(yè)務。

(b) extending loans for auto purchase;

（三）辦理汽車經(jīng)銷商采購車輛貸款和營運設備貸款（包括展示廳建設貸款和零配件貸款以及維修設備貸款等）。

(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);

（四）轉(zhuǎn)讓和出售汽車貸款應收款業(yè)務。

(d) transferring and selling auto loan receivables;

（五）向金融機構(gòu)借款。

(e) borrowing from financial institutions;

（六）為貸款購車提供擔保。

(f) providing guarantee for auto purchase financing;

（七）與購車融資活動相關的代理業(yè)務。

(g) agency business relating to auto purchase financing;

（八）經(jīng)中國銀行業(yè)監(jiān)督管理委員會批準的其他信貸業(yè)務。

and (h) other loan business approved by The China Banking Regulatory Commission.

第十九條 汽車金融公司向自然人發(fā)放購車貸款應符合有關監(jiān)管部門關于個人汽車貸款管理的規(guī)定；向法人或其他組織發(fā)放汽車貸款應遵守《貸款通則》等有關規(guī)定的要求。

Article19 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.

第二十條 未經(jīng)有關監(jiān)管部門批準，汽車金融公司不得擅自發(fā)行債券、向境外借款。汽車金融公司設立和開展業(yè)務中涉及匯兌管理、利潤匯出、向非居民發(fā)放汽車消費貸款、資本金管理等外匯管理事項的，由有關監(jiān)管部門會同國家外匯管理部門作出相關規(guī)定。

Article20 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.

第二十一條 汽車金融公司應實行資本總額與風險資產(chǎn)比例控制管理。汽車金融公司資本充足率不得低于10%，中國銀行業(yè)監(jiān)督管理委員會視汽車金融公司風險狀況和風險管理能力，可提高單個公司資本充足率的最低標準。有關其他各類資產(chǎn)風險控制與管理的具體要求，由中國銀行業(yè)監(jiān)督管理委員會另行規(guī)定。

Article21 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.

第二十二條 汽車金融公司應當執(zhí)行相關的金融企業(yè)財務會計制度。

Article22 An auto financing company shall adopt relevant accounting rules for financial institutions.

第二十三條 汽車金融公司應按規(guī)定編制并向中國銀行業(yè)監(jiān)督管理委員會報送資產(chǎn)負債表、損益表、現(xiàn)金流量表及中國銀行業(yè)監(jiān)督管理委員會要求的其他報表，并于每年會計年度終了后的3個月內(nèi)報送上一年度的財務會計報告。

Article23 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.

汽車金融公司不得提供虛假或隱瞞重要事實的財務會計報告。

An auto financing company shall not provide false financial statements, or statements in which important facts are concealed.

第二十四條 汽車金融公司應參照中國人民銀行制定的《商業(yè)銀行內(nèi)部控制指引》的要求，建立、健全各項業(yè)務管理制度與內(nèi)部控制制度，并在該制度施行前報告中國銀行業(yè)監(jiān)督管理委員會。

Article24 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.

第二十五條 汽車金融公司應自覺接受中國銀行業(yè)監(jiān)督管理委員會對其實施的現(xiàn)場檢查及非現(xiàn)場檢查。

Article25 An auto financing company shall accept the on-site examination and the off-site surveillance by the China Banking Regulatory Commission.

第二十六條 中國銀行業(yè)監(jiān)督管理委員會根據(jù)日常監(jiān)管中發(fā)現(xiàn)的問題，可以向汽車金融公司的法定代表人和其他高級管理人員提出質(zhì)詢，并責令該公司限期改正。

Article26 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.

第二十七條 汽車金融公司應建立定期外部審計制度。應在每個會計年度結(jié)束后的6個月內(nèi)，將經(jīng)法定代表人簽名確認的年度審計報告報送中國銀行業(yè)監(jiān)督管理委員帷?/span>

Article27 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.

第二十八條 汽車金融公司出現(xiàn)支付困難等緊急情況時，應采取緊急自救措施，并立即向中國銀行業(yè)監(jiān)督管理委員會報告。

Article28 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.

第二十九條 汽車金融公司出現(xiàn)下列情況之一的，中國銀行業(yè)監(jiān)督管理委員會可視情況責令其進行整頓：

Article29 The China Banking Regulatory Commission shall demand remedial actions by an auto financing company in case of the following circumstances:

（一） 當年虧損超過注冊資本的50%或連續(xù)3年累計虧損超過注冊資本的30%。

 (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;

（二） 出現(xiàn)支付困難。

(b) The company is in payment difficulties;

（三） 有其他重大經(jīng)營風險，中國銀行業(yè)監(jiān)督管理委員會認為應當整頓的情況。

and (c) The company faces other major operational risks that the China Banking Regulatory Commission deems necessary to issue an order for corrective actions.

第三十條 中國銀行業(yè)監(jiān)督管理委員會責令汽車金融公司整頓后，可對汽車金融公司采取下列措施：

Article30 The China Banking Regulatory Commission, after issuing an order for corrective actions to an auto financing company, may take the following enforcement actions:

（一） 要求更換或禁止更換汽車金融公司高級管理人員。

(a) demanding or prohibiting the change of the company’s senior managerial personnel;

（二） 暫停其部分業(yè)務或禁止其開辦新業(yè)務。

(b) suspending part of the company’s business or prohibiting the company’s engagement in new business lines;

（三） 要求在規(guī)定期限內(nèi)增加資本金。

(c) demanding an increase of the company’s capital within a prescribed time frame;

（四） 責令汽車金融公司進行改變股權(quán)結(jié)構(gòu)等形式的重組。

(d) demanding the company to change its equity structure or implement other forms of restructuring;

（五） 禁止分紅。

(e) prohibiting the dividend distribution;

（六） 中國銀行業(yè)監(jiān)督管理委員會認為必要的其他措施。

and (f) other enforcement actions that the China Banking Regulatory Commission deems necessary.

第三十一條 汽車金融公司經(jīng)過整頓，符合下列條件的，報經(jīng)中國銀行業(yè)監(jiān)督管理委員會批準后方可結(jié)束整頓：

Article31 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:

（一） 支付能力得到恢復。

 (a) Solvency is restored;

（二） 虧損得到彌補。

(b) Losses are covered;

（三） 重大經(jīng)營風險得到化解。

and (c) Major operational risks are addressed.

第三十二條 汽車金融公司整頓時間最長不超過1年，逾期未實現(xiàn)整頓目標的，依法予以市場退出。

Article32 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.

第三十三條 汽車金融公司可成立行業(yè)性自律組織，實行自律管理。自律組織開展活動，應當接受中國銀行業(yè)監(jiān)督管理委員會的指導和監(jiān)督。

Article33 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.

第四章 法律責任

Chapter IV Legal Liabilities

第三十四條 未經(jīng)中國銀行業(yè)監(jiān)督管理委員會批準，擅自設立汽車金融公司或者非法從事汽車金融業(yè)務的，由中國銀行業(yè)監(jiān)督管理委員會依法予以取締；構(gòu)成犯罪的，依法追究刑事責任；尚不構(gòu)成犯罪的，由中國銀行業(yè)監(jiān)督管理委員會沒收非法所得，并處非法所得1倍以上5倍以下的罰款；沒有非法所得的，由中國銀行業(yè)監(jiān)督管理委員會責令改正，并處10萬元以上50萬元以下的罰款。

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.

第三十五條 未經(jīng)中國銀行業(yè)監(jiān)督管理委員會批準，擅自在機構(gòu)名稱中使用\"汽車金融\"、\"汽車信貸\"等表明從事汽車金融業(yè)務字樣的，由中國銀行業(yè)監(jiān)督管理委員會責令其改正，并處1000元罰款。

Article35 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.

第三十六條 汽車金融公司超出中國銀行業(yè)監(jiān)督管理委員會批準的業(yè)務范圍從事金融業(yè)務活動的，給予警告，沒收違法所得，并處違法所得1倍以上 5倍以下的罰款；沒有違法所得的，處10萬元以上50萬元以下的罰款；構(gòu)成非法經(jīng)營罪或者其他罪的，依法追究刑事責任。

Article36 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.

第三十七條 汽車金融公司違反本辦法有關規(guī)定，提供虛假或者隱瞞重要事實的財務會計報告的，由中國銀行業(yè)監(jiān)督管理委員會予以警告，并處10萬元以上50萬元以下的罰款；構(gòu)成提供虛假財會報告罪或者其他罪的，依法追究刑事責任。

Article37 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.

第三十八條 汽車金融公司違反本辦法有關規(guī)定，拒絕、阻礙依法監(jiān)督檢查的，由中國銀行業(yè)監(jiān)督管理委員會給予警告，并處1萬元以上3萬元以下的罰款。

Article38 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.

第三十九條 汽車金融公司違反本辦法規(guī)定，除依據(jù)本章第三十四條至第三十八條的有關規(guī)定給予處罰外，情節(jié)嚴重的，中國銀行業(yè)監(jiān)督管理委員會可以取消該公司高級管理人員1至10年直至終身的金融機構(gòu)高級管理人員任職資格。

Article39 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.

第四十條 汽車金融公司違反我國其他法律、法規(guī)的，由有關主管機關依法處理。

Article40 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.

第五章 附則

ChapterV Supplementary Provisions

第四十一條 香港特別行政區(qū)、澳門特別行政區(qū)和臺灣地區(qū)投資者在內(nèi)地設立汽車金融公司，適用本辦法。

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.

第四十二條 本辦法自2003年10月3日起施行，并由中國銀行業(yè)監(jiān)督管理委員會負責解釋。

Article42 The Rules enters into effect on October 3, 2003, and the power of the interpretation rests with the China Banking Regulatory Commission.