【正文】 einafter referred to as institutional borrowers) for the purpose of financing automobile purchase.Article 19 When applying for an institutional automotive loan, a borrower shall satisfy the following requirements simultaneously:(1) The borrower possesses required legal documents, such as the business license of corporate legal entity or the certificate of public institution as a legal entity issued by relevant registry and regulatory authorities that may be used to verify its legal person status。(3) Insurance, business credit rating and financial situation of the dealer。 　　企業(yè)的關聯(lián)自然人是指企業(yè)的高級管理人員及其近親屬。 　　第四十八條 汽車金融公司流動性資產(chǎn)與流動性負債的比例不得低于100%。參照《貸款風險分類指導原則》，制定資產(chǎn)風險分類操作細則，報其所在地銀監(jiān)會分支機構事前備案后執(zhí)行；依照《銀行貸款損失準備計提指引》，建立審慎的貸款損失準備制度，及時足額計提資產(chǎn)損失準備?！　?　　第二十七條 未經(jīng)銀監(jiān)會及其分支機構批準，汽車金融公司董事長、副董事長、執(zhí)行董事、總經(jīng)理、副總經(jīng)理、財務總監(jiān)、內(nèi)審或稽核部門經(jīng)理等高級管理人員在任職期內(nèi)不得兼任黨政機關職務或其他營業(yè)性機構的高級管理人員。 　?。ㄋ模┢渌?、法規(guī)規(guī)定不能擔任金融機構高級管理人員的。 　　第十二條 銀監(jiān)會負責核準汽車金融公司的開業(yè)申請及業(yè)務范圍。 　　第五條 符合《辦法》第五條的申請人應向銀監(jiān)局提交汽車金融公司籌建申請表及《辦法》第九條要求的資料。 　　銀監(jiān)局應在受理申請資料后20個工作日內(nèi)完成審核工作。銀監(jiān)會在代發(fā)當日將批準證書存根送商務部。若不具備大學本科及以上學歷，應從事金融工作6年以上或從事汽車生產(chǎn)銷售管理工作11年以上。 　　第三十一條 離任審計報告應至少包括以下內(nèi)容： 　?。ㄒ唬?分管業(yè)務經(jīng)營情況； 　?。ǘ?分管業(yè)務合法合規(guī)情況； 　?。ㄈ?分管業(yè)務內(nèi)控建設和風險管理情況； 　?。ㄋ模?職責范圍內(nèi)發(fā)生的重大經(jīng)濟或刑事案件以及本人所應承擔的責任； 　?。ㄎ澹?審計結論。 　　汽車金融公司核心資本不得低于資本的50%。 　　第五十條 汽車金融公司向金融機構借款的利率，比照同業(yè)往來利率執(zhí)行；發(fā)放汽車貸款的利率，可在人民銀行公布的法定利率基礎上，上下浮動1030%。 used automobiles refer to vehicles that have their ownership legally transferred within the period from the day of registry to one year before their mandatory disposal.Article 5 Interest rates charged for automotive loans shall conform to the lending rates set by the People’s Bank of China, and the calculation and repayment of interest shall be determined and agreed by the creditors and borrowers. Article 6 The maturity of automotive loans (extension period inclusive) may not exceed five years. In particular, maturity of automotive loans for used automobiles finance (extension period inclusive) may not exceed three years while that of dealers’ auto loans may not exceed one year. Article 7 Both parties of the loan contract shall abide by the principles of equality, freewill, integrity and faithfulness.ChapterⅡ Personal Automotive LoansArticle 8 Personal automotive loans in these rules refer to loans provided by creditors to individual borrowers to finance automobile purchase.Article 9 The applicant for personal automotive loans shall satisfy the following requirements:(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) The borrower receives stable and legitimate ine or possesses assets enough to repay the principal and interest of the loan。(2) Photocopies of all business licenses and documents。 　　企業(yè)的關聯(lián)法人是指：（一）直接或間接控制該企業(yè)，以及與該企業(yè)同受第三方企業(yè)控制的法人；（二）關聯(lián)自然人直接或間接控制的企業(yè)。 　　第四十七條 汽車金融公司自用固定資產(chǎn)與注冊資本的比例不得超過40%。 　　第三十七條 汽車金融公司應實行資產(chǎn)五級分類制度。 　　第二十六條 對適用備案制的汽車金融公司高級管理人員，公司所在地銀監(jiān)會分支機構自收到完整報備材料之日起30日內(nèi)未提出書面異議的，視為認可。 　?。ㄈλ温毜慕鹑跈C構、其他企業(yè)、公司的重大違規(guī)、被吊銷金融許可證或營業(yè)執(zhí)照甚至破產(chǎn)，負有主要責任或直接領導