1、【statute title】 guiding opinions of china banking regulatory commission and the people's bank of china on the pilot operation of small-sum loan companies effective【法規(guī)標題】中國銀行業(yè)監(jiān)督管理委員會、中國人民銀行關(guān)于小額貸款公司試點的指導(dǎo)意見 現(xiàn)行有效promulgation date:05-04-2008effective date:05-04-2008department:unknownsubject:banking&a

2、mp;finance 發(fā)布日期：2008-05-04生效日期：2008-05-04發(fā)布部門：未知類別：金融 guiding opinions of china banking regulatory commission and the peoples bank of china on the pilot operation of small-sum loan companies(no.23 2008 of china banking regulatory commission)all banking regulatory bureaus, shanghai headquarters of th

3、e peoples bank of china and all branches, business management departments, and central sub-branches of the peoples bank of china in provincial capital cities and sub-provincial cities: to fully implement the scientific view of development, effectively allocate financial resources, guide the flow of

4、capital to rural areas and underdeveloped areas, improve the financial services in rural areas, promote the development of agriculture, farmers and rural economy, and support the construction of socialist new countryside, we hereby put forward the following guiding opinions on issues concerning the

5、pilot operation of small-sum loan companies as follows: 中國銀行業(yè)監(jiān)督管理委員會、中國人民銀行關(guān)于小額貸款公司試點的指導(dǎo)意見（銀監(jiān)發(fā)200823號）（相關(guān)資料: 部門規(guī)章2篇 地方法規(guī)53篇 裁判文書1篇 相關(guān)論文3篇）各銀監(jiān)局，中國人民銀行上海總部、各分行、營業(yè)管理部、各省會（首府）城市中心支行、副省級城市中心支行：為全面落實科學(xué)發(fā)展觀，有效配置金融資源，引導(dǎo)資金流向農(nóng)村和欠發(fā)達地區(qū)，改善農(nóng)村地區(qū)金融服務(wù)，促進農(nóng)業(yè)、農(nóng)民和農(nóng)村經(jīng)濟發(fā)展，支持社會主義新農(nóng)村建設(shè)，現(xiàn)就小額貸款公司試點事項提出如下指導(dǎo)意見：i. nature of small

6、-sum loan companiesa small-sum loan company shall be a limited liability company or a company limited by shares which is established with investments from natural persons, legal-person enterprises or other social organizations, does not absorb the public deposits and operates small-sum loan business

7、. a small-sum loan company is an enterprise with the legal person status, has independent corporate property, enjoys all corporate property rights, and assumes civil responsibility for its debts with all property. its shareholders are entitled to get assets proceeds, participate in making important

8、decisions and select managers, and shall be responsible to the company within the amount of capital subscribed or the shares subscribed. small-sum loan companies shall follow the financial guidelines and policies of the state, operate within the scope prescribed by laws and regulations, manage their

9、 business on their own, assume sole responsibility for profits and losses, be self-disciplined, and assume risks by their own. their lawful business operations will be under the protection of law, and no entity or individual has the right to intervene. 一、小額貸款公司的性質(zhì)小額貸款公司是由自然人、企業(yè)法人與其他社會組織投資設(shè)立，不吸收公眾存款，

10、經(jīng)營小額貸款業(yè)務(wù)的有限責(zé)任公司或股份有限公司。小額貸款公司是企業(yè)法人，有獨立的法人財產(chǎn)，享有法人財產(chǎn)權(quán)，以全部財產(chǎn)對其債務(wù)承擔(dān)民事責(zé)任。小額貸款公司股東依法享有資產(chǎn)收益、參與重大決策和選擇管理者等權(quán)利，以其認繳的出資額或認購的股份為限對公司承擔(dān)責(zé)任。小額貸款公司應(yīng)執(zhí)行國家金融方針和政策，在法律、法規(guī)規(guī)定的范圍內(nèi)開展業(yè)務(wù)，自主經(jīng)營，自負盈虧，自我約束，自擔(dān)風(fēng)險，其合法的經(jīng)營活動受法律保護，不受任何單位和個人的干涉。ii. establishment of small-sum loan companiesthe name of a small-sum loan company shall be c

11、omposed of the administrative division, identifier, name of industry and the form of organization in sequence. in particular, “administrative division” refers to the name of the administrative division at the county level, and “form of organizations” is either a limited liability company or a compan

12、y limited by shares. the number of shareholders of a small-sum loan company shall satisfy the quorum provisions. a limited liability company shall be set up with investments from less than 50 shareholders. for a company limited by shares, there shall be 2 to 200 promoters, and at least half of the p

13、romoters shall have domicile in china. the source of the registered capital of a small-sum loan company shall be authentic and legal, and the capital shall be all paid-in money capital and be fully handed in by investors or promoters once and for all. if it is a limited liability company, the regist

14、ered capital shall not be less than 5 million yuan; and if it is a company limited by shares, the registered capital shall not be less than 10 million yuan. the shares held by a single natural person, legal entity, other social organization or affiliated party thereof shall not be more than 10% of t

15、he total registered capital of the company. to apply for setting up a small-sum loan company, the applicant is to file an application in due form with the competent department of the provincial government, and, upon approval, it shall apply to the local administrative department for industry and com

16、merce for handling the registration formalities and get the business license. it is also required to file the relevant material with the local public security organ, the dispatched office of the cbrc and the branch institution of the peoples bank of china within five workdays. a small-sum loan compa

17、ny shall have the bylaws and management system that satisfy the relevant provisions, have the business ground and component institutions required by its business, and have the staff with corresponding expertise and experience. the natural persons, legal entities and other social organizations that i

18、nvest in a small-sum loan company as well as the natural persons to be the directors, supervisors and senior managers of the company shall have no criminal record or bad credit record. a small-sum loan company shall handle the tax registration formalities at the local taxation department, and pay ta

19、xes according to law. 二、小額貸款公司的設(shè)立小額貸款公司的名稱應(yīng)由行政區(qū)劃、字號、行業(yè)、組織形式依次組成，其中行政區(qū)劃指縣級行政區(qū)劃的名稱，組織形式為有限責(zé)任公司或股份有限公司。小額貸款公司的股東需符合法定人數(shù)規(guī)定。有限責(zé)任公司應(yīng)由50個以下股東出資設(shè)立；股份有限公司應(yīng)有2-200名發(fā)起人，其中須有半數(shù)以上的發(fā)起人在中國境內(nèi)有住所。小額貸款公司的注冊資本來源應(yīng)真實合法，全部為實收貨幣資本，由出資人或發(fā)起人一次足額繳納。有限責(zé)任公司的注冊資本不得低于500萬元，股份有限公司的注冊資本不得低于1000萬元。單一自然人、企業(yè)法人、其他社會組織及其關(guān)聯(lián)方持有的股份，不得超過小額貸

20、款公司注冊資本總額的10%。申請設(shè)立小額貸款公司，應(yīng)向省級政府主管部門提出正式申請，經(jīng)批準后，到當(dāng)?shù)毓ど绦姓芾聿块T申請辦理注冊登記手續(xù)并領(lǐng)取營業(yè)執(zhí)照。此外，還應(yīng)在五個工作日內(nèi)向當(dāng)?shù)毓矙C關(guān)、中國銀行業(yè)監(jiān)督管理委員會派出機構(gòu)和中國人民銀行分支機構(gòu)報送相關(guān)資料。小額貸款公司應(yīng)有符合規(guī)定的章程和管理制度，應(yīng)有必要的營業(yè)場所、組織機構(gòu)、具備相應(yīng)專業(yè)知識和從業(yè)經(jīng)驗的工作人員。出資設(shè)立小額貸款公司的自然人、企業(yè)法人和其他社會組織，擬任小額貸款公司董事、監(jiān)事和高級管理人員的自然人，應(yīng)無犯罪記錄和不良信用記錄。小額貸款公司在當(dāng)?shù)囟悇?wù)部門辦理稅務(wù)登記，并依法繳納各類稅費。iii. source of fund

21、s the major sources of funds of a small-sum loan company shall be the capital paid by shareholders, donated capital and the capital borrowed from at most two banking financial institutions. the balance of the capital borrowed from banking financial institutions shall not exceed 50% of the net capita

22、l within the scope as prescribed by laws and regulations. the interest rate and term of the borrowed capital shall be determined by the company with the banking financial institutions upon negotiations, and the interest rate shall be determined by taking the shanghai inter-bank offered rate as the b

23、ase rate. small-sum loan companies shall apply to the branch institution of the peoples bank of china of the place of registration for loan cards. banking financial institutions lending capital to small-sum loan companies shall file the financing information with the local branch institutions of the

24、 peoples bank of china and the local dispatched offices of the cbrc in a timely manner, and shall make follow-up supervision over the use of such capital by small-sum loan companies. 三、小額貸款公司的資金來源小額貸款公司的主要資金來源為股東繳納的資本金、捐贈資金，以及來自不超過兩個銀行業(yè)金融機構(gòu)的融入資金。在法律、法規(guī)規(guī)定的范圍內(nèi)，小額貸款公司從銀行業(yè)金融機構(gòu)獲得融入資金的余額，不得超過資本凈額的50%。融入資金

25、的利率、期限由小額貸款公司與相應(yīng)銀行業(yè)金融機構(gòu)自主協(xié)商確定，利率以同期“上海銀行間同業(yè)拆放利率”為基準加點確定。小額貸款公司應(yīng)向注冊地中國人民銀行分支機構(gòu)申領(lǐng)貸款卡。向小額貸款公司提供融資的銀行業(yè)金融機構(gòu)，應(yīng)將融資信息及時報送所在地中國人民銀行分支機構(gòu)和中國銀行業(yè)監(jiān)督管理委員會派出機構(gòu)，并應(yīng)跟蹤監(jiān)督小額貸款公司融資的使用情況。iv. employment of capital small-sum loan companies shall have the autonomy to select prospective borrowers on the principle of serving t

26、he development of farmers, agriculture and rural economy. when granting loans, they shall adhere to the principle of “small sum and dispersiveness.” we encourage small-sum loan companies to provide credit services for farmers and minisize enterprises and make more efforts in increasing the number of clients and enlarging the coverage of services. the