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Administrative Provisions on Loans against a Pledge of Time Deposit Certificates of Entities [Effective]
单位定期存单质押贷款管理规定 [现行有效]
【法宝引证码】
 
  
  
Order of China Banking Regulatory Commission
(No. 9 [2007])
The Administrative Provisions on Loans against a Pledge of Time Deposit Certificates of Entities, which were adopted at the 54th chairmen's meeting of China Banking Regulatory Commission on December 8, 2006, are hereby promulgated and shall come into force as of the date of promulgation.
Chairman Liu Mingkang
July 3, 2007
Administrative Provisions on Loans against a Pledge of Time Deposit Certificates of Entities
 

中国银行业监督管理委员会令
(2007第9号)


单位定期存单质押贷款管理规定》已经2006年12月8日中国银行业监督管理委员会第54次主席会议通过,现予公布,自公布之日起施行。
主席 刘明康
二○○七年七月三日
单位定期存单质押贷款管理规定
Chapter I General Provisions
 

第一章 总则


Article 1 For the purpose of strengthening the management of loans against a pledge of time deposit certificates of entities, these Provisions are formulated in accordance with the Banking Supervision Law of the People's Republic of China, Law of the People's Republic of China on Commercial Banks, Real Rights Law of the People's Republic of China and other relevant laws and administrative regulations.
   第一条 为加强单位定期存单质押贷款管理,根据《中华人民共和国银行业监督管法》、《中华人民共和国商业银行法》、《中华人民共和国物权法》及其他有关法律、行政法规,制定本规定。
Article 2 The activities conducted inside the People's Republic of China for loans against pledge of time deposit certifications of entities shall be governed by these Provisions.
The term “entities” as mentioned in these Provisions refers to enterprises, public institutions, social organizations and other organizations.
   第二条 在中华人民共和国境内从事单位定期存单质押贷款活动适用本规定。
本规定所称单位包括企业、事业单位、社会团体以及其他组织。
Article 3 The term “time deposit certificate of entity” as mentioned in these Provisions refers to the voucher of RMB time deposit right issued by the financial institution accepting the deposit (hereinafter referred to deposit bank), for which a lender applies upon the strength of an account opening certificate upon entrustment of a borrower of a loan against a pledge.
The time deposit certificates of entities can only be opened and used for loans against a pledge.
The Time Deposit Account Opening Certificate of Entity that is issued by a financial institution when an entity handles a time deposit in the financial institution shall not serve as a voucher for the rights pledged.
A financial institution shall formulate corresponding management rules. It shall intensify the management of the issuance of Time Deposit Account Opening Certificate of Entity, the opening and use of time deposit certificates of entities.
   第三条 本规定所称单位定期存单是指借款人为办理质押贷款而委托贷款人依据开户证实书向接受存款的金融机构(以下简称存款行)申请开具的人民币定期存款权利凭证。
单位定期存单只能以质押贷款为目的开立和使用。
单位在金融机构办理定期存款时,金融机构为其开具的《单位定期存款开户证实书》不得作为质押的权利凭证。
金融机构应制定相应的管理制度,加强对开具《单位定期存款开户证实书》和开立、使用单位定期存单的管理。
Article 4 The principle of equality, free will and good faith shall be observed in activities conducted for loans against a pledged of time deposit certificates.
   第四条 单位定期存单质押贷款活动应当遵守国家法律、行政法规,遵循平等、自愿、诚实信用的原则。
Chapter II Opening and Confirmation of Time Deposit Certificates of Entities
 

第二章 单位定期存单的开立与确认


Article 5 When a borrower applies for a loan against a pledge of time deposit certificate of entity, it shall not only submit the documents and materials as required by other relevant provisions, but also submit to the lender the documents and materials as follows:
   第五条 借款人办理单位定期存单质押贷款,除按其他有关规定提交文件、资料外,还应向贷款人提交下列文件、资料:
1. The account opening certificates, including the account opening certificates of the borrower or the account opening certificates of a third party provided to the borrower;
 (一)开户证实书,包括借款人所有的或第三人所有而向借款人提供的开户证实书;
2. The power of attorney which the depositor authorizes the lender to apply to the deposit bank for issuing a time deposit certificate of entity; and
 (二)存款人委托贷款人向存款行申请开具单位定期存单的委托书;
3. The seal and secret code which the depositor leaves in the deposit bank in advance.
If the account opening certificate is provided by a third party to the borrower, it is required to simultaneously submit an agreement, which stipulates that the third party agrees to let the borrower use its account opening certificate for the purpose of a loan against a pledge.
 (三)存款人在存款行的预留印鉴或密码。
开户证实书为第三人向借款人提供的,应同时提交第三人同意由借款人为质押贷款目的而使用其开户证实书的协议书。
Article 6 If the lender approves the loan application of a borrower upon examination, it shall submit to the deposit bank the account opening certificate and the power of attorney for the issuance of time deposit certificate of entity and apply to the deposit bank for issuing a time deposit certificate of entity and a confirmation document.
If the lender disapproves the loan application of a borrower, it shall timely return to the borrower the account opening certificate and the power of attorney.
   第六条 贷款人经审查同意借款人的贷款申请的,应将开户证实书和开具单位定期存单的委托书一并提交给存款行,向存款行申请开具单位定期存单和确认书。
贷款人经审查不同意借款人的贷款申请的,应将开户证实书和委托书及时退还给借款人。
Article 7 After the deposit bank receives the relevant materials of the lender, it shall carefully examine whether or not the account opening certificate is true, whether or not the depositor really has the deposit in that bank, and whether or not the seal affixed to the application for the issuance of time deposit certificate of entity in advance or the secret code provided conforms to the one which the depositor leaves in advance when depositing the money. Where necessary, the deposit bank may verify the relevant information through the depositor.
   第七条 存款行收到贷款人提交的有关材料后,应认真审查开户证实书是否真实,存款人与本行是否存在真实的存款关系,以及开具单位定期存单的申请书上的预留印鉴或提供的密码是否和存款人在存款时预留的印鉴或密码一致。必要时,存款行可以向存款人核实有关情况。
Article 8 If the deposit bank considers upon examination that the deposit certified by the account opening certificate is true, it shall keep the account opening certificate and the agreement which the third party consents to let the borrower use its account opening certificate and shall issue a time deposit certificate within 3 working days after it receives the relevant materials of the lender.
No deposit bank may issue any false time deposit certificate of entity if no such deposit exists, or issue any deposit certificate of entity if the relevant materials do not conform to the information of the true deposit.
   第八条 存款行经过审查认为开户证实书证明的存款属实的,应保留开户证实书及第三人同意由借款人使用其开户证实书的协议书,并在收到贷款人的有关材料后3个工作日内开具单位定期存单。
存款行不得开具没有存款关系的虚假单位定期存单或与真实存款情况不一致的单位定期存单。
Article 9 When the deposit bank issues a time deposit certificate of entity, it shall verify it. If it considers upon verification that the contents of the deposit certificate are genuine, it shall issue a confirmation document for the time deposit certificate of entity. The confirmation document shall bear the signature of the person-in-charge and the official seal of the deposit bank and be delivered to the lender together with the time deposit certificate of entity.
   第九条 存款行在开具单位定期存单的同时,应对单位定期存单进行确认,确认后认为存单内容真实的,应出具单位定期存单确认书。确认书应由存款行的负责人签字并加盖单位公章,与单位定期存单一并递交给贷款人。
Article 10 The deposit bank shall verify the following items in the time deposit certificate of entity:
......
   第十条 存款行对单位定期存单进行确认的内容包括:
......



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