汽車金融公司管理辦法實(shí)施細(xì)則(文件)
【正文】 ements:(1) Applicant is a citizen of the People’s Republic of China, or a resident of Hong Kong SAR, Macau SAR, Taiwan province or foreign countries that have stayed in China for a consecutive period of one year or longer.(2) Applicant has a valid ID card, permanent residence address and full civil capacity. (3) Applicant receives stable legitimate ine or possesses legal assets enough to repay the principal and interest of loans. (4) Applicant has good credit record.(5) Applicant has the ability to affect the down payment prescribed in these rules.(6) Other requirements put forward by the creditor.Article 10 When setting conditionality for personal automotive loans such as the amount, maturity, interest rate and repayment, a creditor shall take into account the following factors on a consolidated basis:⑴ Credit rating assigned to the borrower。(2) Proof of the borrower’s ine and credit status。(6) Other materials needed for loan risk control。(4) The loan card (series number) approved and issued by the People’s Bank of China。(2) The borrower receives stable and legitimate ine or possesses assets enough to repay the principal and interest of the loan。 for a car dealer or an institutional borrower, credit ratings shall be determined based on factors like credit files, senior management credit standings, financial situation and credit records of the borrower.Article 24 A creditor shall require its borrower to provide the purchased vehicle as a collateral or other valid guarantees for issued automobile loans.Article 25 A creditor shall accept automotive loan applications directly or entrust designated car dealers to handle such applications, improve the arrangement of separating loan approval from loan extension, and strengthen prior review and post collection of the loans.Article 26 A creditor shall build a market database of the used automobiles and establish an evaluation system for calculating their residual value.Article 27 A creditor shall build a risk monitoring system to track and review, on a regular basis, different categories of automotive loans distinguished by factors such as the size and regional distribution of loans, borrowers’ financial situation, auto brands, collateral and guarantee arrangement etc., and shall have the risk ratings of each category of loans timely adjusted based on the review results.Article 28 A creditor shall establish an early warning system for the risks of automotive loans, and shall conduct a review of its loan approval practice in the case risk indicators rise above the warning standards.Article 29 A creditor shall establish a classification system for nonperforming loans and a prudent loss provisioning arrangement under which risk reserves are properly set aside.Article 30 When granting mortgage automotive loans, a creditor shall make a prudent assessment of the value of the mortgage, take into full consideration of the devaluation risk and impose a ceiling on the mortgage ratio.Article 31 A creditor shall record relevant information of automotive loans into the Credit Reporting and Reference System in a timely manner, and shall establish an information sharing system with other creditors.Chapter VI Supplementary ProvisionsArticle 32 In the case a creditor is found in violation of these rules in the conduct of automotive loan business, the China Banking Regulatory Commission and its branches shall have the right to exercise punishment on the creditor and relevant persons for their misconduct in accordance with the Law of the People’s Republic of China on Banking Supervision and Regulation. The People’s Bank of China and its branches may propose a supervisory examination to be take
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