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Notice of China Banking Regulatory Commission on the Relevant Matters concerning the Cooperation between Banks and Trust Companies
[Effective]
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中国银监会关于进一步规范银信合作有关事项的通知
[现行有效]
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【法宝引证码】
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Notice of China Banking Regulatory Commission on the Relevant Matters concerning the Cooperation between Banks and Trust Companies
(No.111 [2009] of China Banking Regulatory Commission)
All banking regulatory bureaus; all policy banks, state-owned commercial banks and joint-stock commercial banks; the Postal Savings Bank of China; and the trust companies directly under the CBRC:
In order to further regulate the business cooperation between commercial banks and trust companies, enhance the healthy and orderly development of their business cooperation, protect the legitimate rights and interests of the relevant parties concerned, and direct trust companies to develop the trust business of independent management type following the principle of doing financial management work for people upon their entrustment, and realize intensive growth, you are hereby notified of the relevant matters concerning the business cooperation between banks and trust companies as follows:
| | 中国银监会关于进一步规范银信合作有关事项的通知
（银监发[2009]111号）
各银监局，各政策性银行、国有商业银行、股份制商业银行、邮政储蓄银行，银监会直接监管的信托公司：
为进一步规范商业银行与信托公司业务合作行为，促进银信合作健康、有序发展，保护相关当事人的合法权益，并引导信托公司以受人之托、代人理财为本发展自主管理类信托业务，实现内涵式增长，现将银信合作业务有关问题通知如下：
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I. A trust company shall, during its cooperation with a bank, adhere to the principle of independent management, improve the capacity to manage core assets and build the brands of its special products.
Independent management means that a trust company, as the trustee, plays a leading role in the management of trust assets and assumes essential management and decision-making functions in terms of product design, project screening, making and implementing investment decisions, etc.
| | 一、信托公司在银信合作中应坚持自主管理原则，提高核心资产管理能力，打造专属产品品牌。
自主管理是指信托公司作为受托人，在信托资产管理中拥有主导地位，承担产品设计、项目筛选、投资决策及实施等实质管理和决策职责。
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II. In the business cooperation between a bank and a trust company, the trust company, as the trustee, shall not entrust the due diligence investigation duties to any other organization.
A trust company shall not entrust its function of assets management to the assignor of assets or a bank which issues financial management products in such financing businesses as accepting credit assets or instrumental assets of a bank and granting trust loans, etc. during its cooperation with a bank. Where a trust company entrusts its function of assets management to any other third-party organization, it shall report it to the regulatory department ten working days in advance.
| | 二、银信合作业务中，信托公司作为受托人，不得将尽职调查职责委托给其他机构。
在银信合作受让银行信贷资产、票据资产以及发放信托贷款等融资类业务中，信托公司不得将资产管理职能委托给资产出让方或理财产品发行银行。信托公司将资产管理职责委托给其他第三方机构的，应提前十个工作日向监管部门事前报告。
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III. A commercial bank shall, within ten working days after selling credit assets, instrumental assets or other assets to a trust company, notify the debtors of the matters on assets transfer in a written form, and ensure that the trust company actually hold the aforesaid assets.
| | 三、商业银行应在向信托公司出售信贷资产、票据资产等资产后的十个工作日内，书面通知债务人资产转让事宜，保证信托公司真实持有上述资产。
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IV. A commercial bank shall, within fifteen working days after selling credit assets, instrumental assets or other assets to a trust company, submit to the trust company the whole set of certifications of original rights of the aforesaid assets or the photocopies of the aforesaid documents to which the valid seal of the commercial bank is affixed, and on the basis of which handle the re-confirmation and transfer of the ownership of collaterals. If the photocopies need to be submitted, the commercial bank shall ensure the authenticity and integrity of the whole set of certifications of original rights of the aforesaid assets. In case the trust company does need the provision of the certifications of original rights, the commercial bank shall be obliged to provide them in time.
．．．．．． | | 四、商业银行应在向信托公司出售信贷资产、票据资产等资产后的十五个工作日内，将上述资产的全套原始权利证明文件或者加盖商业银行有效印章的上述文件复印件移交给信托公司，并在此基础上办理抵押品权属的重新确认和让渡。如移交复印件的，商业银行须确保上述资产全套原始权利证明文件的真实与完整，如遇信托公司确须提供原始权利证明文件的，商业银行有义务及时提供。
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