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| Notice of China Banking Regulatory Commission on Issuing the Operating Rules for Applying for the Establishment of Financial Companies of Enterprise Groups
(No. 12 [2007] of China Banking Regulatory Commission)
All banking regulatory bureaus:
We hereby print and distribute the revised Operating Rules for Applying for the Establishment of Financial Companies of Enterprise Groups to you for your earnest compliance and implementation. The Operating Rules for Applying for the Establishment of Financial Companies of Enterprise Groups (No.78 [2006] of China Banking Regulatory Commission) shall be abolished simultaneously.
January 26th, 2007
Operating Rules for Applying for the Establishment of Financial Companies of Enterprise Groups
| | 中国银行业监督管理委员会关于印发《申请设立企业集团财务公司操作规程》的通知
（银监发[2007]12号）
各银监局：
现将修改后的《申请设立企业集团财务公司操作规程》印发给你们，请遵照执行。原《申请设立企业集团财务公司操作规程》（银监发〔2006〕78号）同时废止。
二○○七年一月二十六日
申请设立企业集团财务公司操作规程
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Chapter 1 General Rules
| | 第一章 总则
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Article 1 For the purpose of further regulating the work related to the application for establishing financial companies of enterprise groups (hereinafter referred to as financial companies) and ensuring the healthy and orderly proceeding of the work related to the market access of financial companies, these Rules are formulated in accordance with the Banking Supervision Law of the People's Republic of China and the Measures for the Administration of Financial Companies of Enterprise Groups (hereinafter referred to as Measures).
| | 第一条 为进一步规范企业集团财务公司（以下简称财务公司）的申请设立工作，确保财务公司市场准入工作健康、有序地进行，根据《中华人民共和国银行业监督管理法》、《企业集团财务公司管理办法》（以下简称《办法》）制定本规程。
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Article 2 The term “financial company” as mentioned in these Rules refers to the non-bank financial institutions which provide financial management services for the member entities of enterprise groups (hereinafter referred to as member entities) for the purpose of strengthening centralized management of enterprise group funds and improving the fund utilization efficiency.
| | 第二条 本规程所指财务公司是以加强企业集团资金集中管理和提高资金使用效率为目的，为企业集团成员单位（以下简称成员单位）提供财务管理服务的非银行金融机构。
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Article 3 These Rules shall be used for regulating the market access behaviors committed during the phase of preparatory establishment or business opening of a financial company to be established. The market access of the financial companies (in which foreign capital stock accounts for 25% or more) established by foreign-funded investment companies shall be governed by these Rules by analogy.
| | 第三条 本规程用于规范申请设立财务公司筹建和开业阶段的市场准入行为。外资投资性公司设立财务公司（外资股本占25%以上）的市场准入参照本规程执行。
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Article 4 The establishment of any financial company within the borders of China shall be reported to China Banking Regulatory Commission (hereinafter referred to as the CBRC) for examination and approval.
| | 第四条 凡在中国境内设立财务公司，应当报经中国银行业监督管理委员会（以下简称银监会）审查批准。
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Chapter II Requirements for Establishment
| | 第二章 设立条件
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Article 5 An enterprise group (parent company) applying for establishing a financial company shall satisfy the following requirements:
| | 第五条 申请设立财务公司的企业集团（母公司），应具备以下条件：
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(1) It satisfies the industrial policies of the state and has core principal business.
| | （一）符合国家产业政策并拥有核心主业。
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(2) By the end of the year prior to its application, its registered capital is not less than 800 million yuan.
| | （二）申请前1年年末，注册资本金不低于8亿元人民币。
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(3) By the end of the year prior to its application, the total assets of its member entities consolidated into statement for accounting as prescribed is not less than 5 billion yuan, and the net assets ratio shall not be lower than 30%.
| | （三）申请前1年年末，按规定并表核算的成员单位资产总额不低于50亿元人民币，净资产率不低于30%。
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(4) Its financial status is good, for two consecutive years prior to its application, by the end of each year, the total amount of the business income of its member entities consolidated into statement for accounting as prescribed is not less than 4 billion yuan, and the total amount of pre-tax profits is no less than 200 million yuan.
| | （四）财务状况良好，申请前连续2年年末按规定并表核算的成员单位营业收入总额均不低于40亿元人民币，税前利润总额均不低于2亿元人民币。
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(5) It has a large-scale and stable cash flow.
| | （五）现金流量稳定并具有较大规模。
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(6) It has been established for two years or more and has certain experience in the internal financial management and capital management of enterprise group.
| | （六）成立2年以上并且具有一定的企业集团内部财务管理和资金管理经验。
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(7) It has sound corporate governance structure and has no inappropriate affiliated transaction.
| | （七）具有健全的公司治理结构，无不当关联交易。
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(8) Its credit standing is good, and it has no bad credit record or illegal or irregular act in the two consecutive years prior to its application.
| | （八）资信良好，申请前连续2年内无不良诚信记录，未发生违法违规行为。
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(9) The source of the funds used for purchasing shares is true and legal, no entity may purchase shares with loan funds or the funds entrusted by other people. And
| | （九）入股资金来源真实合法，不得以借贷资金入股，不得以他人委托资金入股。
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(10) Other requirements for prudence as prescribed by the CBRC.
| | （十）银监会规定的其他审慎性条件。
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Article 6 The registered capital of a financial company shall be raised mainly from the member entities of the enterprise group or by absorbing the shares of the strategic investors that are other than the member entities and have much experience in industrial management.
The shareholders of a newly established financial company shall include strategic investors with much industrial managing experience or its operation team shall include at least one senior manager with much practical experience and one risk management professional. But an enterprise group of a special industry into which external investors are restricted from entering may be refrained from this requirement after obtaining the consent of the CBRC in advance.
| | 第六条 财务公司的注册资本金应当主要从企业集团成员单位中募集，并可以吸收成员单位以外的具有丰富行业管理经验的战略投资者的股份。
除国家限制外部投资者进入并经银监会事先同意的特殊行业的企业集团外，新设财务公司应有丰富行业管理经验的战略投资者作为股东，或经营团队中至少引进1名有丰富从业经验的高级管理人员和1名风险管理专业人员。
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Article 7 A member entity of an enterprise group shall satisfy the following requirements to become a shareholder of a financial company of the enterprise group:
| | 第七条 企业集团成员单位投资入股财务公司，应具备以下条件：
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(1) It is a business entity that has registered at the administrative department of industry and commerce.
| | （一）经工商行政管理机关登记注册的企业法人。
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(2) It has a sound corporate governance structure or effective organizational management style.
| | （二）具有良好的公司治理结构或有效的组织管理方式。
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(3) It has good reputation in the society, good credit record and taxation record.
| | （三）具有良好的社会声誉、诚信记录和纳税记录。
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(4) Its financial status is good, and it gains profits in the latest two accounting years.
| | （四）财务状况良好，最近2个会计年度连续盈利。
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(5) After the year-end distribution, its net assets reach 30% or more of its total assets (according to the standards for consolidated accounting statements).
| | （五）年终分配后，净资产达到全部资产总额的30%以上（合并会计报表口径）。
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(6) Its operation and management are good, it repays bank loans on schedule and in full amount, and has no illegal or irregular act in the latest two years.
| | （六）经营管理良好，按期足额归还银行贷款，最近2年内未发生违法违规行为。
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(7) The source of the funds used for purchasing shares is true and legal, no entity may purchase shares with loan funds or the funds entrusted by other people.
| | （七）入股资金来源真实合法，不得以借贷资金入股，不得以他人委托资金入股。
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(8) This investment conforms to the legal provisions of the state. And
| | （八）该项投资符合国家法律、法规规定。
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(9) Other requirements for prudence as prescribed by the CBRC.
| | （九）银监会规定的其他审慎性条件。
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Article 8 A strategic investor other than the member entities of an enterprise group shall satisfy the following requirements to become a shareholder of a financial company:
| | 第八条 企业集团成员单位以外的战略投资者投资入股财务公司，应具备以下条件：
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(1) He promises that he will not transfer the shares he holds in the financial company in principle within 3 years since the date of the establishment of the financial company, and this shall be indicated in the articles of association of the financial company.
| | （一）承诺自财务公司成立之日起原则上在3年内不转让所持财务公司股份，并在财务公司章程中载明。
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(2) He has 3 years or more of experience in the operation and management of financial companies or similar institutions. And
| | （二）具有3年以上从事财务公司或类似机构经营管理的良好经验。
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(3) Other requirements for prudence as prescribed by the CBRC.
| | （三）银监会规定的其他审慎性条件。
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Article 9 A strategic investor that is a financial institution legal person shall, in addition to satisfying the requirements prescribed in Article 8, also satisfy the following requirements to become a shareholder of a financial company:
| | 第九条 战略投资者为金融机构法人的，其投资入股财务公司除应符合第八条规定的条件外，还应具备以下条件：
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(1) It has a sound corporate governance structure.
| | （一）具有良好的公司治理结构。
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(2) It has sound and effective inner management system and risk control system.
| | （二）具有健全、有效的内部管理和风险控制制度。
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(3) Its financial status is good and it gains profits in the latest two consecutive years.
| | （三）财务状况良好，最近2个会计年度连续盈利。
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(4) Its credit standing is good, and it has not been subject to any substantial penalties by the supervisory organ in the latest two consecutive years.
| | （四）资信良好，最近2年内未受到监管机构的重大处罚。
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(5) The source of the funds used for purchasing shares is true and legal, no entity may purchase shares with loan funds or the funds entrusted by other people.
| | （五）入股资金来源真实合法，不得以借贷资金入股，不得以他人委托资金入股。
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(6) It satisfies the relevant regulatory requirements and indices, and this investment conforms to the relevant laws, regulations and regulatory provisions.
| | （六）满足有关监管要求和指标，且该项投资符合相关法律、法规以及监管规定。
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(7) Where it is an overseas financial institution legal person, its total assets shall not be less than USD 1 billion in principle by the end of the latest year. And
| | （七）战略投资者为境外金融机构法人的，其最近1年年末总资产原则上不少于10亿美元。
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(8) Other requirements for prudence as prescribed by the CBRC.
| | （八）银监会规定的其他审慎性条件。
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Article 10 A strategic investor that is a non-financial institution legal person shall satisfy the requirements prescribed in Article 7 and Article 8 to become a shareholder of a financial company.
| | 第十条 战略投资者为非金融机构企业法人的，其投资入股财务公司应符合第七条、第八条规定的条件。
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Article 11 A financial company to be established shall satisfy the following requirements:
| | 第十一条 拟设立的财务公司应具备以下条件：
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(1) It is really necessary to establish the financial company for the concentrated management of enterprise group funds, and upon reasonable estimate, the financial company can reach a certain business scale.
| | （一）确属集中管理企业集团资金的需要，经合理预测能够达到一定的业务规模。
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(2) It has the articles of association that conform to the provisions of the Company Law of the People's Republic of China and the Measures.
| | （二）有符合《中华人民共和国公司法》和《办法》规定的章程。
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(3) It has the floor registered capital as prescribed by the Measures.
| | （三）有符合《办法》规定的最低限额注册资本金。
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(4) It has the directors and senior managers that satisfy the requirements on post-holding qualification as prescribed by the CBRC, and a prescribed proportion of professional practitioners, and qualified professional talents for such key posts as risk management and fund intensive management, etc.
The term “directors and senior managers” as mentioned above refers to the legal representative of the financial company and the personnel who have decision-making power over the operation and management of the financial company or who play important role in risk control, including the chairman of the board of directors, vice chairmen of the board of directors, directors, general managers and deputy general managers.
The term “personnel for such key posts as risk management and fund intensive management” as mentioned above refers to the working staff that assume the duties of risk management and fund intensive management in the principal business activities of the financial company in accordance with the setup of the specific business departments, business system and business flow of the company.
The number of the personnel that have been engaging in finance or accounting work for 3 years or more shall not be less than 2/3 of the total number of the personnel of the financial company, in particular, the number of the personnel that have been engaging in finance or accounting work for 5 years or more shall not be less than 1/3 of the total number of the personnel of the financial company.
| | （四）有符合银监会规定的任职资格条件的董事、高级管理人员和规定比例的专业从业人员，在风险管理、资金集约管理等关键岗位上有合格的专门人才。
董事、高级管理人员是指公司的法定代表人和对财务公司经营管理具有决策权或对风险控制起重要作用的人员，包括董事长、副董事长、董事、总经理、副总经理。
风险管理、资金集约管理等关键岗位人员是指按照财务公司具体业务部门设置、业务制度和流程，在财务公司主要业务活动中承担风险管理和资金集约管理职责的工作人员。
财务公司从业人员中从事金融或财务工作3年以上的人员应当不低于总人数的三分之二，其中从事金融或者财务工作5年以上人员应当不低于总人数的三分之一。
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(5) It has formulated relatively perfect systems for corporate governance, inner control, business operation and risk prevention, etc, and has established relatively perfect information management system and risk control system.
| | （五）制定较为完善的公司治理、内部控制、业务操作、风险防范等方面的制度，建立较为完善的管理信息系统和风险控制系统。
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(6) It has a business place, safety measures and other facilities that satisfy the relevant requirements. And
| | （六）具有符合要求的营业场所、安全防范措施和其他设施。
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(7) Other requirements for prudence as prescribed by the CBRC.
| | （七）银监会规定的其他审慎性条件。
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Chapter III Directors and Senior Managers
| | 第三章 董事和高级管理人员
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Article 12 The post-holding qualifications of a financial company's chairman of the board of directors, vice chairmen of the board of directors, general managers, deputy general managers, and senior managers who do not hold the aforesaid posts but assume the same duties with those who hold the posts, shall be subject to the examination and approval of the CBRC.
| | 第十二条 财务公司董事长、副董事长、董事、总经理、副总经理及虽然与上述职位名称不同但所承担职责相同的高级管理人员的任职资格均须经银监会核准。
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Article 13 A director or senior manager of a financial company shall satisfy the following basic requirements:
| | 第十三条 财务公司董事、高级管理人员应具备以下基本条件：
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(1) Being a natural person who has complete civil capacity.
| | （一）具有完全民事行为能力的自然人。
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(2) Having good professional ethics, personal integrity, morality and reputation, being familiar with and observing laws and administrative regulations, and having good law-abidingness and regulation-compliance record.
| | （二）具有良好的职业道德、操守、品行和声誉，熟悉并遵守法律、行政法规和规章，有良好的守法合规记录。
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(3) Having professional knowledge, skills and experience necessary for performing his duties, being able to ensure the time and energy necessary for performing his duties, displaying good judging and operating capacity in his acts and decisions, and having no bad practicing record.
| | （三）具有履职所需的专业知识、技能、从业经验，确保履职所需的时间和精力，在行为及决策上显示出良好的判断和管理能力，没有不良的从业记录。
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(4) Having the independency necessary for performing his duties.
| | （四）具有履职所需的独立性。
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(5) Not falling within any of the circumstances as prescribed by any law or regulation under which he may not assume the post of director or senior manager of any financial institution. And
| | （五）没有法律、法规及其他规定明确不得担任金融机构董事、高级管理人员的情形。
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(6) Other requirements for prudence as prescribed by the CBRC.
| | （六）银监会规定的其他审慎性条件。
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Article 14 A director of a financial company shall, in addition to satisfying the requirements prescribed in Article 13, also satisfy the following requirements:
| | 第十四条 财务公司董事除符合第十三条规定条件外，还应具备下列条件：
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(1) Having 5 years or more of working experience in economy, banking, law, finance or any other field beneficiary for his performance of the director's duties.
| | （一）具有5年以上与经济、金融、法律、财务或其他有利于履行董事职责的工作经历。
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(2) Being able to judge the operation status, management status and risk status of the financial company from the financial statements and statistical statements of the company. And
| | （二）能够运用财务公司的财务报表和统计报表判断财务公司经营、管理和风险状况。
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(3) Being familiar with the financial company's corporate governance structure, articles of association, duties of the board of directors and the rights and obligations of the members of the board of directors.
．．．．．． | | （三）了解财务公司的公司治理结构、公司章程、董事会职责以及董事会成员的权利和义务。
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