【中英文对照版】消费金融公司管理办法.docx

消费金融公司管理办法MeasuresfortheAdministrationofConsumerFinanceCompanies制定机关，国家金融监督管理总局发文字号,国家金融监督管理总局令2024年第4号公布日期：2024.03.18施行日期：2024.04.18效力位阶,部门规章法规类别：银行业监管机构管理的金融机构Issuingauthority：InstrumentalitiesoftheStateCouncil,AAdministrationsDocumentNumber：OrderNo.42024oftheNationalFinancialRegulatoryAdministrationDateissued：12-31-2024Effectivedate：04-18-20241.evelofAuthority：DepartmentalRulesAreaof1.aw：Banking&Finance国家金融监督管理总局令OrderoftheNationalFinancialRegulatoryAdministration（2024年第4号）消费金融公司管理办法已于2023年12月4日经国家金融监督管理总局2023年第4次局务会议审议通过。现予公布，自2024年4月18日起施行。消费金融公司管理办法(No.42024)TheMeasuresfortheAdministrationofConsumerFinanceCompanies,asdeliberatedandadoptedatthe4th2023ExecutiveMeetingoftheNationalFinancialRegulatoryAdministrationonDecember4,2023,areherebyissuedandcomeintoforceonApril18,2024.MeasuresfortheAdministrationofConsumerFinanceCompanies第一章总则第一条为加强对消费金融公司的监督管理，促进消费金融公司规范经营和高质量发展，依据中华人民共和国公司法中华人民共和国银行业监督管理法等法律法规，制定本办法。ChapterIGeneralProvisionsArticle 1 Forthepurposesofstrengtheningthesupervisionandadministrationofconsumerfinancecompaniesandpromotingtheirwell-regulatedoperationandhigh-qualitydevelopment,theseMeasuresaredevelopedinaccordancewiththeCompany1.awofthePeople'sRepublicofChina,theBankingSupervision1.awofthePeopIe1SRepublicofChina,andotherlawsandregulations.第二条本办法所称消弗翁就A司.早招经国家金Article 2 ForthepurposeoftheseMeasures,theterm''consumerfinancecompaniesmeansnon-bankingfinancialinstitutionswhichareestablishedupontheapprovaloftheNationalFinancialRegulatoryAdministration(uNFRAn)for,insteadofabsorbingthedepositofthegeneralpublic,providingconsumption-orientedloansforresidentindividualsinsideChinaundertheprincipleofsmallamountanddispersion.Article 3 ForthepurposeoftheseMeasures,theterm“consumptionIoansnmeansloansgrantedbyconsumerfinancecompaniestoborrowersforpurposesofconsumption(notforthepurchaseofresidentialpropertiesandautomobiles).Article 4 Aconsumerfinancecompanyshallcontain“consumerfinanceinitsname.WithouttheapprovaloftheNFRA,noinstitutionmayusetheterm“consumerfinanceninitsname.融监督管理总局批准设立的，不吸收公众存款，以小额、分散为原则，为中国境内居民个人提供消费贷款的非银行金融机构。Article 5 TheNFRAanditslocalofficesshallsuperviseandadministerconsumerfinancecompaniesinaccordancewiththelaw.第三条本办法所称消费贷款是指消费金融公司向借款人发放的以消费为目的（不包括购买住房和汽车）的贷款。第四条消费金融公司名称中应当标明“消费金融”字样Q未经国家金融监督管理总局批准，任何机构不得在名称中使用“消费金融”字样。第五条国家金融监督管理总局及其派出机构依法对消费金融公司实施监督管理。ChapterIlFormationandModificationArticle6Aconsumerfinancecompanymaybeformeduponsatisfactionofthefollowingconditions:(1) HavingabylawthatconformstotheCompany1.awofthePeople,sRepublicofChinaandtheCBRCprovisions.(2) Havingprincipalinvestorsandordinaryinvestorsthatmeettheprescribedrequirements.第二章设立与变更第六条申请设立消费金融公司应当具备以下条件：（一）有符合中华人民共和国公司法和国家金融监督管理总局规定的公司章程；（二）有符合规定条件的主要出资人和一般出资人；（三）注册资本为一次性实缴货币资本，最低限额为10亿元人民币或者等值的可自由兑换货币；(3) Theregisteredcapitalispaid-inmonetarycapitalinalumpsumofaminimumof1billionyuanorequivalentinfreelyconvertiblecurrency.（四）有符合任职资格条件的董事、高级管理人员和熟悉消费金融业务的合格从业人员，在风险管理、财务管理、信贷管理等关键岗位上至少各有1名具有3年以上相关金融从业经验的人员；(4) Havingdirectorsandofficersqualifiedforholdingtheirpositions,competentemployeesthatarefamiliarwiththeconsumerfinancebusiness,andatleastonepersonwhohasmorethanthreeyearsofrelevantfinancialexperienceineachofriskmanagement,financialmanagement,creditmanagement,andotherkeypositions.（五）建立有效的公司治理、内部控制和风险管理体系；（六）建立与业务经营和监管要求相适应的信息科技架构，具有支撑业务经营的必要、安全且合规的信息系统,具备保障业务持续运营的技术与措施；(5) Establishingeffectivecorporategovernance,internalcontrol,andriskmanagementsystems.(6) Establishinganinformationtechnologystructurethatmeetsbusinessoperationsandregulatoryrequirements,havinganecessary,secure,andcompliantinformationsystemthatsupportsbusinessoperations,andhavingtechnologyandmeasuresthatguaranteecontinuousbusinessoperations.（七）有与业务经营相适应的营业场所、安全防范措施和其他设施；(7) Havingthebusinessplace,safetymeasuresandotherfacilitiesrequiredbyitsbusinessoperation.（八）国家金融监督管理总局规章规定的其他审慎性条件。(8) OtherprudentialconditionsspecifiedintherulesoftheNFRA.第七条消费金融公司的出资人应当为中国境内外依法设立的企业法人，并分为主要出资人和一般出资人。主要出资人是指出资额不低于拟设消费金融公司全部股本50%的出资人，须为境内外金融机构或主营业务为提供适合消费贷款业务产品的境内非金融企业，一般出资人是指除主要出资人以外的其他出资人。Article7TheinvestorsofaconsumerfinancecompanyshallbecorporateenterpriseslegallyformedinsideoroutsideChinaandincludetheprincipalinvestorandordinaryinvestors.Theprincipalinvestoristheinvestorthatholdsnotlowerthan50%ofthecapitalstockoftheconsumerfinancecompanytobeformed,andmustbeadomesticoroverseasfinancialinstitutionoradomesticnon-financialenterprisewhosemainbusinessistoprovideproductssuitableforconsumerloanbusiness;anordinaryinvestorisaninvestorotherthantheprincipalinvestor.第八条金融机构作为消费金融公司的主要出资人，应当具备以下条件：Article8Tobetheprincipalinvestorofaconsumerfinancecompany,afinancialinstitutionshallsatisfythefollowingconditions:(1) Ithasmorethanfiveyearsofexperienceinconsumerfinance.(2) Itstotalassetsattheendofthelastfiscalyearshallbenotlowerthan500billionyuanorequivalentinfreelyconvertiblecurrency.(3) Itsfinancialconditionisgood,andithasgainedprofitsforthelas