Chapter I General Provisions Article 1 These Measures are formulated in order to ensure the basic balance between money demand and money supply under the socialist market economy system, maintain the stability of the currency, ensure the safety of credit funds and promote the sustained, rapid and healthy development of the national economy. Article 2 These Measures shall apply to the People's Bank of China, commercial banks (including cooperative banks, the same below), policy banks, trust and investment companies, finance companies of enterprise groups, finance leasing companies, insurance companies, credit cooperatives, financing intermediaries and postal savings institutions. Article 3 The term "credit funds" as mentioned in these Measures refers to all or part of the following RMB projects of the above-mentioned institutions:
1. Capital, including core capital and secondary capital.
2. Liabilities, including various deposits, loans and other liabilities.
3 assets, including loans, investments, other financial assets and off-balance sheet assets. Article 4 The management of credit funds refers to the control, regulation and supervision of credit funds by the People's Bank of China. Article 5 The basic principles of credit fund management are: total control, proportional management, classified guidance and market regulation.
Total control means that the People's Bank of China mainly uses indirect and economic means to control currency issuance, base currency, credit scale and total financial assets of financial institutions, so as to ensure that the growth of money and credit is compatible with economic development.
Proportional management means that a certain proportion must be maintained between the assets and liabilities of financial institutions to ensure the security and liquidity of credit funds.
Classification guidance refers to the implementation of different management methods for credit funds of different financial institutions under the unified monetary policy.
Market financing means that the People's Bank of China promotes the rational allocation of credit funds mainly through the market. Commercial banks and non-bank financial institutions mainly improve their asset-liability structure through market financing. Article 6 The People's Bank of China is the competent authority for the management of credit funds. Chapter II Control of Total Amount of Money and Credit Article 7 The head office of the People's Bank of China has the right to decide monetary policy, issue currency, manage the base currency, control the total amount of credit, and adjust the benchmark interest rate and legal interest rate. The branches of the People's Bank of China shall be responsible for the management of credit funds within their respective jurisdictions as authorized by the head office. Article 8 The People's Bank of China shall gradually shift its control over the total amount of money and credit from direct control based on credit scale management to indirect control by means of social credit plan, refinancing, rediscount, open market operation, reserve ratio, benchmark interest rate and proportional management. Article 9 The People's Bank of China shall establish a monitoring system for macroeconomic indicators of economy and finance, and determine the annual growth rate of money supply by analyzing and forecasting major indicators such as gross national product, price index and international payments. The medium-and long-term goal of money supply is M2, and the short-term goal is M 1. Article 10 The People's Bank of China shall formulate a social credit plan according to the determined growth rate of money supply. Social credit planning includes credit planning of commercial banks, policy banks, non-bank financial institutions and corporate financing planning. Financial institutions shall, in accordance with the relevant provisions of the People's Bank of China, prepare and submit credit plans, which shall be brought into the comprehensive balance of social credit plans by the People's Bank of China to guide the credit activities of financial institutions. Article 11 The People's Bank of China should reduce credit loans, increase rediscount and mortgage loans, develop open market business for treasury bonds and foreign exchange, and gradually increase the proportion of base money invested through the money market. Article 12 The People's Bank of China shall formulate measures for the management of asset-liability ratio and supervise the implementation of asset-liability ratio indicators of financial institutions. Financial institutions should establish and improve the internal capital utilization total constraint and risk management mechanism to ensure the healthy and moderate total amount of money and credit. Article 13 The People's Bank of China may, when necessary, control the scale of credit through loan quota management. Fourteenth financial institutions must abide by the provisions of the People's Bank of China on the management of credit funds, and implement the interest rate and its floating range stipulated by the People's Bank of China. Chapter III Proportion Management of Credit Funds Article 15 Commercial banks and non-bank financial institutions shall implement asset-liability ratio and risk management in accordance with the principles of self-operation, self-risk, self-financing, self-balance, self-restraint and self-development. Article 16 Asset-liability ratio management is to constrain the total assets and structure of financial institutions through capital and liabilities. The purpose of this management is to maintain the security and liquidity of assets, ensure the quality of assets, prevent and reduce asset risks, and improve the efficiency of the use of credit funds. Article 17 Asset-liability ratio management indicators mainly include capital adequacy ratio, loan-to-deposit ratio, medium and long-term loan ratio, asset liquidity ratio, reserve ratio, individual loan ratio, lending fund ratio, shareholder loan ratio and loan quality ratio. Commercial banks can increase other monitoring indicators according to their own conditions. Eighteenth commercial banks and non-bank financial institutions, to establish and improve the loan approval system; Gradually reduce the proportion of credit loans and increase the proportion of mortgage, secured loans and discounts; Evaluate the risk weight of financial assets and control the proportion of risky assets; Establish a reporting system for large loans, large letters of credit and large cash withdrawals to the People's Bank; Improve the risk reserve system of credit assets. Article 19 The People's Bank of China shall inspect and assess the asset-liability ratio and asset quality of commercial banks and non-bank financial institutions. Commercial banks and non-bank financial institutions shall, in accordance with the requirements of the People's Bank of China, submit timely, accurate and complete statistical statements and analysis reports on asset-liability ratio and asset quality management.
Interim Measures of the People's Bank of China for the Administration of Loans to Financial Institutions
Chapter I General Provisions. Application for loan: in duplicate. Fill in when the loan applicant applies for a loan. One copy shall be kept by the borrower, and the other copy shall be submitted to the finance department of the loan bank for review and signature. Two. Loan receipt: in quadruplicate. The treasury department of the bank agrees to sign a contract with the borrower and abide by it when issuing loans.
The first copy: retained by the finance department of the loan bank;
The second copy: (loan notice) kept by the accounting department of the loan bank for future reference;
The third part: the accounting basis of the accounting department of the loan bank;
Fourth: the borrower keeps it; Three. Loan voucher: The accounting department of the People's Bank of China will use it after receiving the loan notice from the Finance Department. Five copies.
First copy: debit summons;
The second copy: credit summons;
Third: collection notice. The bank accounting department pays the borrower after handling the loan.
Fourth: receipt. The bank accounting department pays the loan to the fund department.
Fifth contact: card account. Detailed records of continuous recovery and settlement of loans. 4. Loan recovery voucher: used by the bank accounting department when handling loan recovery. In triplicate.
First copy: credit summons;
The second copy: receipt. The bank accounting department takes back the loan from the borrower and issues a loan receipt.
Triple: copy of receipt. After the loan is recovered, it will be sent to the finance department. V. Withdrawal of loan coupon: demand coupon is adopted.
China people's bank loan application.
Branch (branch) of China People's Bank: No.
Apply for a loan from your bank according to the following conditions, and abide by the provisions of the Interim Measures for the Administration of Loans to Financial Institutions of the People's Bank of China.
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Type and amount of loan
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The purpose of the loan
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Book (official seal)
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Approval opinions of the President and the Planning and Finance Department.
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│ column │ president (chapter) │ person in charge (chapter) │ manager (chapter)
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││ 19 │ 19 │
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Borrowing word no.
China People's Bank Loan Receipt (1No.)
1. Borrower: 2. Creditor:
Financial business license number:
Three. Interest rate of loan amount (in words)
Four. Loan term: from 19 to 19.
Verb (abbreviation of verb) loan purpose: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
The repayment time of the intransitive verb (one-time repayment or installment repayment): _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
7. The borrower is willing to abide by the Interim Measures for Loan Management of Financial Institutions of the People's Bank of China and the Interim Measures for Fund Management of Financial Trust and Investment Institutions of the People's Bank of China.
8. Loan supervision: The lender has the right to know, supervise and inspect the borrower's loan usage, and the borrower should actively cooperate and provide convenience. If the borrower violates the regulations of the People's Bank of China, the lender has the right to recover the loan or default interest in advance.
The above terms and conditions shall come into effect after being sealed and signed by both parties, and shall be automatically dissolved after the loan is fully paid off, and both parties shall abide by the above terms and conditions within the validity period.
Borrower (official seal) Lender (official seal)
Representative of the borrower and representative of the lender
Date, year and month
China People's Bank Loan Receipt (Second Loan Notice)
1. Borrower: 2. creditor
Financial business license number:
Three. Interest rate of loan amount (in words):
Four. Loan term: from 19 to 19.
Verb (abbreviation of verb) loan purpose: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
The repayment time of the intransitive verb (one-time repayment or installment repayment): _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Seven.
Trial Measures of China People's Bank on Credit Fund Management
Chapter I General Provisions Article 1 is to implement the provisions of Document No.1.. In order to meet the needs of the reform of economic management system and banking system, the People's Bank of China should study and do a good job in the macro-decision of national finance, strengthen financial management, and regulate currency issuance. Specialized banks should truly become economic entities, liberalize and enliven them at the micro level, and give full play to their positive role in the national economy. In order to solve the long-standing problem of "eating from the same pot" in the management of credit funds, implement the economic responsibility system of banks at all levels, improve the economic benefits of the use of credit funds, and better support the socialist modernization, these measures are formulated. Article 2 Renminbi credit funds of the People's Bank of China and specialized banks (including China International Trust and Investment Corporation, the same below) shall be managed in accordance with these Measures. Measures for the administration of foreign exchange funds shall be formulated separately. Article 3 The management of credit funds shall follow the principles of "unified planning, fund division, real loans and real deposits, and mutual accommodation".
Unified plan means that all RMB credit funds of professional banks must be included in the national comprehensive credit plan, which is comprehensively balanced by the head office of the People's Bank of China, and the credit fund plans of professional banks and loan plans from the People's Bank of China are approved.
Sub-funds refer to the self-owned funds and other various credit funds of specialized banks, which, after being approved by the head office of the People's Bank of China, are used as the working funds of the banks, operating independently and accounting independently.
Real loan and real deposit refers to the way that the People's Bank of China changes the management mode of the indicators of the layer-by-layer examination and approval plan and implements real loan and real deposit.
Mutual financing is to allow funds to be transferred horizontally and enliven funds. The financing of a region mainly depends on the mutual lending between banks in the region. Article 4 In order to implement the above principles of credit fund management, all specialized banks must establish their own interbank systems. Chapter II Compilation and Audit of Credit Fund Plan Article 5 The head office of a specialized bank shall, in accordance with the content and format stipulated by the head office of the People's Bank of China, prepare its own credit fund revenue and expenditure plan and submit it to the head office of the People's Bank of China. After comprehensively balancing the national economic situation, the national credit fund situation and the currency issuance plan, the head office of the People's Bank of China shall prepare a national comprehensive credit plan and submit it to the State Council for approval. Article 6 The annual credit fund revenue and expenditure plans prepared by local specialized banks at all levels shall be submitted to the People's Bank of China at the same level together with the superior banks. The People's Banks at all levels shall comprehensively balance the credit fund revenue and expenditure plans in their respective regions, prepare the comprehensive credit fund revenue and expenditure plans in their respective regions, and report them to the head office of the People's Bank of China step by step. Article 7 The head office of the People's Bank of China shall, according to the national comprehensive credit plan approved by the State Council, verify the annual credit fund revenue and expenditure plan of the head office of specialized banks, including the itemized credit fund revenue and expenditure plan and the loan plan of the People's Bank of China. The head office of a specialized bank shall, within the loan plan approved by the head office of the People's Bank of China, put forward the loan plan allocated by branches of provinces, autonomous regions and municipalities directly under the Central Government, and submit it to the head office of the People's Bank of China, which will issue a loan notice. The branches of the People's Bank of China lend to the branches of specialized banks according to the loan notice amount issued by the head office of the People's Bank of China, and then the branches of specialized banks allocate it to the branches as working capital and deposit it in the depositors opened in the People's Bank of China. The specific loan measures shall be agreed by the branch of the People's Bank of China and the relevant professional banks. Chapter III Management of Credit Funds Article 8 The People's Bank of China shall manage the credit fund plans of specialized banks according to different situations.
(a) the annual loan plan and the basic construction loan plan should be strictly controlled according to the plan, and no breakthrough can be made without approval. Due to changes in economic conditions, when the annual loan plan needs to be overfulfilled, the head office of a specialized bank must apply to the head office of the People's Bank of China for additional funds, and the funds can only be used after approval.
(2) Strive to overfulfill all kinds of deposits: for all kinds of working capital loans (including agricultural loans), under the premise of not exceeding the loan plan of the People's Bank of China and ensuring depositors to withdraw deposits, more deposits and more loans will be implemented.
(three) technical transformation loans should be revitalized and not out of control, and the People's Bank of China should control them according to the technical transformation loan plan arranged by the state. The head office of specialized banks can be controlled according to the planned indicators, and the annual deposits of specialized banks can also be used to increase technical transformation loans according to the proportion stipulated by the head office of the People's Bank of China.
Change the practice of banks and competent departments jointly "wearing hats" to issue individual loan indicators for special technological transformation loans. In the future, banks will no longer retain individual "special loan indicators" in the use of funds. Technical transformation projects issued by various economic departments will directly apply for loans from local banks, and local banks will independently review and decide according to the economic benefits of the loan projects.
(IV) Fixed assets loans specially arranged by unplanned countries shall be uniformly arranged by the head office of the People's Bank of China, and distributed or entrusted to the head office of relevant specialized banks or entrusted to specialized banks through branches of the People's Bank of China.
(V) The RMB special loan for foreign exchange purchase quota shall be arranged by the head office of the People's Bank of China as a whole, and the branches of the People's Bank of China shall entrust specialized banks to issue it according to the business division and payment regulations.
(six) the RMB occupied by the state foreign exchange reserve is funded by the People's Bank of China and managed separately. Specific measures shall be formulated separately.