汽車(chē)金融公司管理辦法實(shí)施細(xì)則-文庫(kù)吧資料
2025-04-22 06:59本頁(yè)面
【正文】 rate as well as repayment and guarantee arrangement of loans。(2) Proof of the borrower’s ine and credit status。⑶ Condition and use of the purchased automobiles。 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。 Administrative Rules for Automotive LoansChapter Ⅰ General ProvisionsArticle 1 These rules are formulated according to the Law of the People’s Republic of China on the People’ s Bank of China, the Commercial Banking Law of the People’s Republic of China and the Law of the People’s Republic of China on Banking Supervision and Regulation so as to regulate the management of automotive loans, prevent relevant risks and promote the healthy development of automotive loan business. Article 2 Automotive loans hereinafter in these rules refer to loans that creditors provide to borrowers to finance the purchase of automobiles (used ones as well), including personal loans, dealers’ loans, and institutional loans. Article 3 Creditors in these rules refer to mercial banks, urban and rural credit cooperatives, and nonbank financial institutions (qualified for conducting automotive loan business) that are legally established in the territory of the People’s Republic of China and are approved either by the head office of the China Banking Regulatory Commission or its branches to engage in RMB loan business. Article 4 Automobiles for self use in these rules refer to vehicles purchased by borrowers with automotive loans that are used for nonprofit purposes。汽車(chē)金融公司的關(guān)聯(lián)自然人還包括信貸業(yè)務(wù)人員及其近親屬。 企業(yè)的關(guān)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(guān)聯(lián)自然人直接或間接控制的企業(yè)。 第五十六條 《辦法》第二條所稱(chēng)中國(guó)境內(nèi)的汽車(chē)購(gòu)買(mǎi)者及銷(xiāo)售者是指中國(guó)大陸地區(qū)的汽車(chē)購(gòu)買(mǎi)者及銷(xiāo)售者，不包括港、澳、臺(tái)地區(qū)。 第五十四條 《辦法》第二條所稱(chēng)銷(xiāo)售者是指專(zhuān)門(mén)從事汽車(chē)銷(xiāo)售的經(jīng)銷(xiāo)商，不包括汽車(chē)制造商及其他形式的汽車(chē)銷(xiāo)售者。 銀監(jiān)會(huì)及其分支機(jī)構(gòu)可以指定具有相應(yīng)資格的中介機(jī)構(gòu)對(duì)汽車(chē)金融公司進(jìn)行現(xiàn)場(chǎng)檢查。 汽車(chē)金融公司法定代表人對(duì)公司提供上述資料的真實(shí)性負(fù)有最終責(zé)任。 第五十條 汽車(chē)金融公司向金融機(jī)構(gòu)借款的利率，比照同業(yè)往來(lái)利
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