国务院关于鼓励华侨和香港澳门同胞投资的规定(附英文)

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国务院关于鼓励华侨和香港澳门同胞投资的规定(附英文)

国务院


国务院关于鼓励华侨和香港澳门同胞投资的规定(附英文)

1990年8月19日,国务院

规定
第一条 为促进我国经济发展,鼓励华侨和香港澳门同胞(以下统称华侨、港澳投资者)在境内投资,制定本规定。
第二条 华侨、港澳投资者可以在境内各省、自治区、直辖市、经济特区投资。
鼓励华侨、港澳投资者依照国家有关规定从事土地开发经营。
第三条 华侨、港澳投资者在境内可以下列形式进行投资:
(一)举办华侨、港澳投资者拥有全部资本的企业;
(二)举办合资经营企业、合作经营企业;
(三)开展补偿贸易、来料加工装配、合作生产;
(四)购买企业的股票和债券;
(五)购置房产;
(六)依法取得士地使用权,开发经营;
(七)法律、法规允许的其他投资形式。
第四条 华侨、港澳投资者可以在境内的工业、农业、服务业以及其他符合社会和经济发展方向的行业投资。华侨、港澳投资者可以从各地方人民政府有关部门公布的项目中选择投资项目,也可以自行提出投资项目意向,向拟投资地区对外经济贸易部门或者地方人民政府指定的审批机关申请。
国家鼓励华侨、港澳投资者投资举办产品出口企业和先进技术企业,并给予相应的优惠待遇。
第五条 华侨、港澳投资者在境内投资举办拥有全部资本的企业、合资经营企业和合作经营企业(以下统称华侨、港澳同胞投资企业),除适用本规定外,参照执行国家有关涉外经济法律、法规的规定,享受相应的外商投资企业待遇。
华侨、港澳投资者在境内进行其他形式的投资,以及在境内没有设立营业机构而有来源于境内的股息、利息、租金、特许权使用费和其他所得,除适用本规定外,也可以参照执行国家有关涉外经济法律、法规的规定。
第六条 华侨、港澳投资者可以用可自由兑换货币、机器设备或者其他实物、工业产权、专有技术等作为投资。
第七条 华侨、港澳投资者在境内的投资、购置的资产、工业产权、投资所得利润和其他合法权益受国家法律保护,并可以依法转让和继承。
华侨、港澳投资者在境内的活动应当遵守国家的法律、法规。
第八条 国家对华侨、港澳投资者的投资和其他资产不实行国有化。
第九条 国家根据社会公共利益的需要,对华侨、港澳同胞投资企业实行征收时,依照法律程序进行并给予相应的补偿。
第十条 华侨、港澳投资者投资获得的合法利润,其他合法收入和清算后的资金,可以依法汇往境外。
第十一条 华侨、港澳同胞投资企业在其投资总额内进口本企业所需的机器设备、生产用车辆和办公设备,以及华侨、港澳同胞个人在企业工作期间运进自用的、合理数量的生活用品和交通工具,免缴进口关税、工商统一税,免领进口许可证。
华侨、港澳同胞投资企业进口用于生产出口产品的原材料、燃料、散件、零部件、元器件、配套件,免缴进口关税、工商统一税,免领进口许可证,由海关实行监管。上述进口料件,如用于在境内销售的产品,应当按照国家规定补办进口手续,并照章补税。
华侨、港澳同胞投资企业生产的出口产品,除国家限制出口的外,免缴出口关税和工商统一税。
第十二条 华侨、港澳同胞投资企业可以向境内的金融机构借款,也可以向境外的金融机构借款,并可以本企业资产和权益抵押、担保。
第十三条 华侨、港澳同胞投资者拥有全部资本的企业,经营期限由投资者自行确定;合资经营企业和合作经营企业,经营期限由合资或者合作各方协商确定,也可以不规定经营期限。
第十四条 合资经营企业董事会的组成和董事长的委派、合作经营企业董事会或者联合管理机构的组成和董事长或者联合管理机构主任的委派,可以参照出资比例或者合作条件,由合资或者合作各方协商决定。
第十五条 华侨、港澳同胞投资企业依照经批准的合同、章程进行经营管理活动。企业的经营管理自主权不受干涉。
第十六条 在境内投资的华侨、港澳同胞个人以及华侨、港澳同胞投资企业从境外聘请的技术和管理人员,可以申请办理多次入出境的证件。
第十七条 华侨、港澳投资者在境内投资可以委托境内的亲友为其代理人。代理人应当持有具有法律效力的委托书。
第十八条 在华侨、港澳同胞投资企业集中的地区,华侨、港澳投资者可以向当地人民政府申请成立华侨、港澳投资者协会。
第十九条 华侨、港澳投资者在境内投资举办合资经营企业、合作经营企业,由境内的合资、合作方负责申请;举办华侨、港澳投资者拥有全部资本的企业,由华侨、港澳投资者直接申请或者委托在境内的亲友、咨询服务机构等代为申请。华侨、港澳投资者投资举办企业的申请,由当地对外经济贸易部门或者地方人民政府指定的审批机关统一受理。
华侨、港澳同胞投资企业的审批,按照国务院规定的权限办理。各级对外经济贸易部门或者地方人民政府指定的审批机关应当在收到全部申请文件之日起四十五天内决定批准或者不批准。
申请人应当在收到批准证书之日起三十天内,按照有关登记管理办法,向工商行政管理机关申请登记,领取营业执照。
第二十条 华侨、港澳投资者在境内投资因履行合同发生的或者与合同有关的争议,当事人应当尽可能通过协商或者调解解决。
当事人不愿协商、调解的,或者协商、调解不成的,可以依据合同中的仲裁条款或者事后达成的书面仲裁协议,提交境内或者其他仲裁机构仲裁。
当事人没有在合同中订立仲裁条款,事后又没有达成书面仲裁协议的,可以向人民法院起诉。
第二十一条 本规定由对外经济贸易部负责解释。
第二十二条 本规定自发布之日起施行。

PROVISIONS OF THE STATE COUNCIL CONCERNING THE ENCOURAGEMENT OFINVESTMENTS BY OVERSEAS CHINESE AND COMPATRIOTS FROM HONG KONG AND MACAO

Important Notice: (注意事项)
英文本源自中华人民共和国务院法制局编译, 中国法制出版社出版的《中华人民
共和国涉外法规汇编》(1991年7月版).
当发生歧意时, 应以法律法规颁布单位发布的中文原文为准.
This English document is coming from the "LAWS AND REGULATIONS OF THE
PEOPLE'S REPUBLIC OF CHINA GOVERNING FOREIGN-RELATED MATTERS" (1991.7)
which is compiled by the Brueau of Legislative Affairs of the State
Council of the People's Republic of China, and is published by the China
Legal System Publishing House.
In case of discrepancy, the original version in Chinese shall prevail.

Whole Document (法规全文)
PROVISIONS OF THE STATE COUNCIL CONCERNING THE ENCOURAGEMENT OF
INVESTMENTS BY OVERSEAS CHINESE AND COMPATRIOTS FROM HONG KONG AND MACAO
(Promulgated by Decree No. 64 of the State Council of the People's
Republic of China on August 19, 1990, and effective as of the date of
promulgation)
Article 1
These Provisions are formulated with a view to promoting the economic
development of our country and to encouraging overseas Chinese and
compatriots from Hong Kong and Macao (hereinafter referred to as "overseas
Chinese investors and those from Hong Kong and Macao") to make investments
in China's inland areas.
Article 2
Overseas Chinese investors and those from Hong Kong and Macao can make
investments in the various provinces, autonomous regions, municipalities
directly under the Central Government, and special economic zones in
China's inland areas.
Overseas Chinese investors and those from Hong Kong and Macao are
encouraged to engage themselves in business operations of land development
in accordance with the pertinent regulations of the state.
Article 3
The investments made by the overseas Chinese investors and those from Hong
Kong and Macao may take the following forms:
(1) to establish enterprises with the capital wholly owned by the overseas
Chinese investors and those from Hong Kong and Macao;
(2) to establish equity joint ventures and contractual joint ventures;
(3) to carry out compensation trade, to process supplied materials, to
assemble supplied parts, and to carry out contractual production;
(4) to purchase shares and various bonds and debentures of existing
enterprises;
(5) to purchase real estate;
(6) to obtain land use right according to law and to engage in land
development operation;
(7) to use other forms of investment permitted under the laws and
regulations.
Article 4
Overseas Chinese investors and those from Hong Kong and Macao can make
investments in various trades in China's inland areas: in industries, in
agriculture, in service trades, and in other trades that are in conformity
with the orientation of social and economic development. Overseas Chinese
investors and compatriots from Hong Kong and Macao may select their
investment projects from the lists of projects made public by the
departments concerned under various local people's governments; they may
also put forward, of their own accord, proposals as to their investment
intent and file their applications to the departments of foreign economic
relations and trade or to the examining and approving organs designated by
various local people's governments located in areas where they intend to
make their investments.
The State encourages overseas Chinese investors and those from Hong Kong
and Macao to make investments in the establishment of export-oriented
enterprises and of technologically advanced enterprises, and gives
corresponding preferential treatment to such enterprises.
Article 5
With respect to the various types of enterprises established with
investments by overseas Chinese investors and those from Hong Kong and
Macao - enterprises with the capital wholly owned by such investors
equity, joint ventures, and contractual joint ventures (hereinafter
referred to as "enterprises with investments by overseas Chinese and
compatriots from Hong Kong and Macao"), they shall all be operated in
accordance with these Provisions; in addition, they may also enjoy the
corresponding preferential treatment as enjoyed by enterprises with
foreign investments, in the light of the relevant provisions in the state
laws, decrees and regulations on external economic relations. Cases
concerning other forms of investment made by such investors in China's
inland areas, and concerning their dividends, interest, rental, royalties
and other incomes that come from China's inland areas without establishing
business offices here, shall be handled in accordance with these
Provisions, and, if need be, with reference to foreign-related economic
laws, decrees and regulations of the State.
Article 6
Overseas Chinese investors and those from Hong Kong and Macao may make
their investments by using convertible currencies, machinery and equipment
or other physical goods industrial property rights, and proprietary
technology.
Article 7
The investment made in China's inland areas by overseas Chinese investors
and those from Hong Kong and Macao, the assets they have purchased, their
industrial property rights, the profits from their investments, and other
lawful rights and interests shall be protected by State laws, and may be
transferred or inherited according to law. Overseas Chinese investors and
those from Hong Kong and Macao shall abide by State laws and regulations
in their activities in inland areas.
Article 8
The State shall not nationalize the investment made by overseas Chinese
investors and compatriots from Hong Kong and Macao or other assets
belonging to them.
Article 9
Where the state, in accordance with the needs of social and public
interest, has to requisition the enterprises with investments by overseas
Chinese investors and those from Hong Kong and Macao, the state shall
handle the case according to the legal procedures and the investors
concerned shall be duly compensated.
Article 10
The lawful profits gained by overseas Chinese investors and those from
Hong Kong and Macao from their investments, their other lawful incomes and
the funds after liquidation may be remitted out of China's inland areas
according to law.
Article 11
Machinery and equipment imported to meet the needs of enterprises with
investments by overseas Chinese and compatriots from Hong Kong and Macao
and, included in the total amount of investment, motor vehicles for use in
production, office equipment, as well as articles and means of
communications for personal use and within reasonable quantities, imported
by overseas Chinese and compatriots from Hong Kong and Macao during the
period when they work in the aforesaid enterprises shall be exempted from
Customs duties and consolidated industrial and commercial tax, and also
from the application for import licences.
The raw and processed materials, fuels, bulk parts, spare and component
parts, primary parts, and fittings, which are imported by enterprises with
investments by overseas Chinese and compatriots from Hong Kong and Macao
for the production of export commodities, shall all be exempt from Customs
duties and consolidated industrial and commercial tax and also from the
application for import licences and placed under the supervision of the
Customs. In case that the aforesaid imported materials and parts are used
for the production of commodities to be sold on China's inland markets, it
is imperative to make up the procedures for importation and to pay taxes
and duties according to the regulations.
The export commodities produced by the enterprises with investments by
overseas Chinese and compatriots from Hong Kong and Macao shall, with the
exception of those commodities the exportation of which is under
restriction by the State, be exempt from Customs duties on export goods
and consolidated industrial and commercial tax.
Article 12
Enterprises with investments by overseas Chinese and compatriots from Hong
Kong and Macao may obtain loans from financial institutions in China's
inland areas; they may also obtain loans from financial institutions
outside China's inland areas, and may use their assets as well as their
rights and interests as mortgage or security.
Article 13
With respect to enterprises with the capital wholly owned by overseas
Chinese investors and compatriots from Hong Kong and Macao, their period
of operation shall be determined by the investors themselves; as to equity
joint ventures and contractual joint ventures, their period of operation
shall be determined, through consultation, by the various parties to the
above-said joint ventures; they may also set no limit to the period of
operation.
Article 14
The composition of the board of directors of joint ventures and the
appointment of the chairman of the board of directors, the composition of
the board of directors or of the joint management organs of contractual
joint ventures and the appointment of the chairman or the appointment of
the director of the joint management organs, shall be determined, through
consultation, by the various parties to the equity joint ventures or to
the contractual joint ventures in the light of the proportion of
investments or the terms of contract.
Article 15
Enterprises with investments by overseas Chinese and compatriots from Hong
Kong and Macao shall conduct their operational and management activities
in accordance with the approved contract or articles of association. The
enterprises' decision-making power for business operations and management
shall not be interfered with.
Article 16
Overseas Chinese and compatriots from Hong Kong and Macao who have made
investments in China's inland areas, and the technical and managerial
personnel engaged from outside the boundaries of China's inland areas by
enterprises with investments by overseas Chinese and compatriots from Hong
Kong and Macao, may apply for multi-journey travel documents.
Article 17
Overseas Chinese investors and those from Hong Kong and Macao who make
investments in China's inland areas may appoint their relatives or friends
residing in the inland areas as their agents. The agents should hold
legally effective letters of authority.
Article 18
In areas where enterprises with investments by overseas Chinese and
compatriots from Hong Kong and Macao are concentrated, overseas Chinese
investors and those from Hong Kong and Macao may apply to the local
people's government for the establishment of the association of overseas
Chinese investors and investors from Hong Kong and Macao.
Article 19
With respect to equity joint ventures and contractual joint ventures to be
established in China's inland areas, with the investments by overseas
Chinese investors and those from Hong Kong and Macao, the application for
the establishment of the aforesaid enterprises shall be filed by the
inland party; as to the enterprises to be established with capital wholly
owned by overseas Chinese investors and those from Hong Kong and Macao,
the application shall be filed directly by such investors themselves, or
they may entrust their relatives or friends residing in China's inland
areas, or entrust the institution providing consultancy services, with the
application. Applications for the establishment of enterprises with
investments by overseas Chinese and compatriots from Hong Kong and Macao
shall be accepted and handled exclusively by the local department for
foreign economic relations and trade, or by the examining and approving
organs designated by the local people's government.
The examination and approval of the applications for the establishment of
enterprises with investments from overseas Chinese and compatriots from
Hong Kong and Macao shall be handled in accordance with the authorization
by the State Council. Departments for foreign economic relations and trade
at the various levels or the examining and approving organs designated by
the local people's government shall, within forty-five days of receipt of
complete application documents, make the decision on whether the said
application is approved or disapproved.
The applicant shall, within thirty days of receipt of the written
approval, file an application to the department for the administration of
industry and commerce, and, in accordance with the relevant procedures for
registration and administration, go through the procedures for
registration and obtain the business licence.
Article 20
With respect to overseas Chinese investors and those from Hong Kong and
Macao who have made investments in China's inland areas, in case that a
dispute arises during the execution of or in relation to a contract, the
parties concerned shall try their best to settle the dispute through
consultation or mediation.
In case that the parties concerned are unwilling to settle the dispute
through consultation or mediation, or the dispute cannot be settled
through consultation or mediation, the parties concerned may, in
accordance with the stipulations of the arbitration articles in the
contract, or in accordance with the written arbitration agreement reached
by the parties concerned after the dispute has arisen, submit their
dispute to the arbitration authorities in China's inland areas or
elsewhere for settlement.
In the event that the parties concerned did not specify an arbitration
article in their contract, and no written arbitration agreement has been
reached after the dispute occurs, then the dispute may be brought before
the people's court.
Article 21
The right to interpret these Provisions rests with the Ministry of Foreign
Economic Relations and Trade.
Article 22
These Provisions shall go into effect as of the date of promulgation.


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教育部关于加强农村学校体育卫生工作的几点意见

教育部


教育部关于加强农村学校体育卫生工作的几点意见


2002-06-26

教体艺〔2002〕9号


  改革开放以来,特别是“九五”期间,各级教育部门全面贯彻党的教育方针,认真落实《学校体育工作条例》和《学校卫生工作条例》,以“普九”为契机,在全面推进素质教育的进程中,重视发展农村学校体育卫生工作,使我国农村学校体育卫生工作出现了可喜局面。但是,由于我国绝大多数农村地区经济发展水平较低,办学条件较差,特别是一些地方和学校教育观念落后,对学校体育卫生工作重视不够,因此,从总体上讲,我国农村学校体育卫生工作仍是整个学校教育工作中相对薄弱的环节。为切实贯彻落实《中共中央国务院关于深化教育改革全面推进素质教育的决定》和《国务院关于基础教育改革与发展的决定》要求,尽快改变我国农村学校体育卫生工作的薄弱状况,现提出以下意见,请各地根据本地教育的实际情况认真研究、落实。

  一、提高认识,转变观念,随着素质教育的全面推进和基础教育新课程标准的实验推广,开足开齐体育课并不断提高教学质量。实施素质教育,就是要认真贯彻党的德、智、体、美等诸方面全面发展的教育方针。学校体育是党的教育方针的重要方面,是素质教育的有机组成部分。缺少体育的学校教育是不完整的教育,也就谈不上全面贯彻党的教育方针和全面推进素质教育。为了加强学校体育,促进青少年学生的全面发展,我部在九年义务教育课程改革中,增加了体育课的课时,更加突出了健康第一的指导思想。目前,基础教育新课程标准正在全国实验。在不断扩大实验和推广的基础上,将于2005年在全国实行。各地要在新课程标准的实验、推广过程中,高度重视体育课课时的落实。到2005年农村中、小学校必须按照基础教育新课程标准的要求,开足开齐体育课,并不断提高教学质量。

  二、采取有效措施,加强师资队伍建设。实施素质教育,提高教学质量,教师是关键。农村学校体育教师数量不足、质量不高是制约农村学校体育工作开展的瓶颈,各地应采取有效措施予以解决。2005年前,要按国家有关规定配齐体育教师。规模较小的农村小学,可采取中心校体育教师巡回教学和兼职教师经过培训上岗的方式解决师资问题。要有针对性地加大对农村学校体育教师的培训力度。在“园丁工程”的实施中,各地应根据本地实际情况,制定切实可行的培训计划,力争在2005年前,使农村中小学体育教师普遍接受一次专业培训。

  三、坚持因地制宜原则,认真做好学校卫生与健康教育工作。尽快改变我国农村,特别是西部地区农村落后的生活方式、卫生习惯和卫生条件,是我国农村社会主义精神文明建设和实施素质教育的一项基础性工作。认真做好学校卫生与健康教育工作,是完成这一任务的有效途径。近些年来,许多地方对农村学校卫生与健康教育工作高度重视,在实践中积累了丰富经验,取得了很好的成绩。此次基础教育课程改革,将卫生和健康教育的内容渗透到国家级课程的相关学科中进行,解决了一些地方健康教育不落实的问题。考虑到广大农村学校卫生与健康教育的重要性,各地应在地方课程中安排必要的课时,以进一步加强农村学校卫生与健康教育。

  四、加大投入力度,保证体育、卫生和健康教育的教学条件。各地应加大对学校体育、卫生和健康教育的投入,保证场地、设施能够满足体育、卫生和健康教育的教学需要。2005年前,中心小学以上学校(含中心小学)要按照国家器材配备标准,配齐体育、卫生和健康教育的器材。农村小学应有基本满足教学需要的场地和器材。要积极倡导和鼓励学校和学生在保证安全的情况下,因地制宜,修旧利废,自制体育器材。

关于印发《东莞市企业信用担保公司管理暂行办法》的通知

广东省东莞市人民政府


东府办[2004]30号



关于印发《东莞市企业信用担保公司管理暂行办法》的通知



各镇人民政府(区办事处),市府直属有关单位:
  现将《东莞市企业信用担保公司管理暂行办法》印发给你们,请贯彻执行。执行过程中遇到问题,请迳向市经贸局反映。

东莞市人民政府办公室
二○○四年三月二十四日
东莞市企业信用担保公司管理暂行办法

第一章 总 则


第一条 为规范和加强企业信用担保公司管理,防范和控制担保风险,维护银行、担保公司、受保企业的合法权益,促进企业信用担保业务积极稳妥地发展,根据《中华人民共和国中小企业促进法》、《中华人民共和国担保法》、《中华人民共和国合同法》和《中华人民共和国公司法》等法律法规和《东莞市贯彻实施〈中华人民共和国中小企业促进法〉的指导意见》,制定本办法。
第二条 本办法所称企业信用担保公司是指依法登记设立,为企业融资提供信用担保及其它相关服务的有限责任公司,属非金融机构,不得从事金融业务。
第三条 本办法适用于在东莞市行政区域内设立的商业性信用担保公司。
第四条 信用担保公司的设立实行年度总量控制管理。市经济贸易局负责企业信用担保公司的行业监管,并根据信用担保公司的运行情况,制订年度设立总量额度;市工商行政管理局负责其市场准入和退出的管理;其它有关部门按照各自的职责对信用担保公司进行监督管理。

第二章 机构设立及变更


第五条 信用担保公司的注册资本不低于1亿元人民币。其中,货币形式的注册资本不低于资本总额的80%。
第六条 设立信用担保公司,申请人须提交下列文件和资料:
(一)设立申请书,内容应包括拟设立信用担保公司的名称、住所、注册资本、股东及股权结构等;
(二)工商行政管理部门出具的企业名称预先核准登记;
(三)设立信用担保公司的可行性研究报告;
(四)股东名册、营业执照(身份证)复印件、产权关系证明;
(五)公司章程;
(六)负责人及拟任高级管理人员的名单、详细履历及任职资格证明材料;
(七)拟办业务的规章制度及内部风险控制制度;
(八)其他需提交和备案的文件资料。
第七条 申请人向市工商行政管理局提出设立登记,并按要求提交有关文件和资料。信用担保公司注册登记后需将有关文件和资料报市经济贸易局和中国人民银行东莞市中心支行备案。
第八条 信用担保公司到市工商行政管理局办理注册登记,领取《企业法人营业执照》后方可开业。信用担保公司自领取营业执照之日起,无正当理由超过6个月未开业或开业后自行停业连续6个月以上的,由市工商行政管理局吊销其《企业法人营业执照》,并予以公告。
第九条 信用担保公司有下列变更事项之一的,到市工商行政管理部门办理有关变更手续,并报市经济贸易局和中国人民银行东莞市中心支行备案:
(一)变更公司名称;
(二)改变公司组织形式;
(三)变更公司注册资本;
(四)调整公司股权结构;
(五)修改公司章程;
(六)变更公司高级管理人员;
(七)变更公司营业场所;
(八)其他须批准的变更事项。

第三章 组织机构与职责


第十条 信用担保公司的组织机构与职责依照《中华人民共和国公司法》的有关规定设置。
第十一条 信用担保公司的总经理应由熟悉银行信贷业务的人员担任。
信用担保公司应聘请法律、财务、信贷、投资等相关专业人才。应至少聘请一名熟悉企业财务状况的注册会计师担任担保公司的财务顾问和聘请一名熟悉企业担保法律的律师担任法律顾问。

第四章 业务程序

第十二条 信用担保公司对被担保的企业进行资信评估,开展担保业务。信用担保公司担保的对象主要是符合国家产业政策,有产品、有市场、有发展前景,有利于增加就业机会,有利于技术进步与创新的企业。
第十三条 信用担保的种类主要包括企业流动资金贷款、技术改造贷款、科技开发贷款、小额委托贷款、综合授信、投标、合同履约、上市融资的担保和再担保等。除担保外,信用担保公司还可从事融资顾问咨询、委托评审业务等。
第十四条 信用担保公司要按照“利益共享,风险共担”的原则与贷款银行建立业务合作关系,担保保证金存入合作银行,实行专户管理;依合同约定,承担一般保证责任或连带保证责任。若发生风险需要代偿,实际损失由企业信用担保公司和债权银行双方按照分散风险的原则,按合同约定比例分担。
第十五条 信用担保业务可按以下程序办理:
(一)由有贷款需求的企业提出担保申请;
(二)信用担保公司对受保企业资信进行全面调查评估,在此基础上核准担保申请;
(三)约定支付担保费,担保费以担保金额为基数,按担保金额的1%-4%收取,具体费率由信用担保公司与受保企业协商确定;
(四)信用担保公司与受保企业签订担保合同。必要时,信用担保公司与受保企业签订反担保合同,约定抵押物或质押物;
(五)信用担保公司将同意承保的文件资料送达合作银行,合作银行审核同意后,与受保企业签订贷款合同并发放贷款。

第五章 收益来源


第十六条 信用担保公司的收益主要来自两个方面:担保业务收益和其他业务收益。
第十七条 担保业务的收益是按照本办法收取的担保费,其他业务的收益是按照市场有关规则收取的费用。

第六章 风险控制

第十八条 信用担保公司应按有关法律规定建立风险准备金制度。
信用担保公司根据业务开展情况,在提取法定公积金和法定公益金后逐步从利润中按一定比例提取风险准备金,分别用于冲抵担保发生的代偿支出、弥补担保呆坏帐损失和其它经营亏损,风险准备金的计提比例应在参照银行机构按贷款五级分类的标准计提呆账准备的基础上,结合公司的业务状况,据实计提。风险准备金累计额为公司注册资本的百分之三十以上的,可不再提取。
第十九条 企业不能清偿到期贷款时,贷款银行依法组织催收和对信用担保公司进行追索。
信用担保公司代偿后,对贷款企业依法享有追偿权,贷款银行应协助信用担保公司追偿债务。追偿措施有:
(一)帮助债务人制定还款计划,尽快收回债务;
(二)要求反担保人履行责任,依法处理抵押物或质押物;
(三)依法向法院提起诉讼;
(四)法律、法规允许的其他追偿手段。
第二十条 信用担保公司实行以下内部风险控制制度:
(一)严格控制担保放大倍数。担保放大倍数是指担保资金与担保贷款的放大比例。信用担保公司在成立的3年内,放大倍数应在5倍以内,以后如实际经营状况良好(盈利且风险较低等),可由信用担保公司与合作银行协商后提出书面申请,经市经济贸易局审定后,放大倍数可适当放宽,但一般不超过10倍。再担保放大倍数可大于担保放大倍数。
(二)通过资信评估、项目审核、按约定比例缴存担保保证金和落实反担保等措施防范风险。
(三)通过控制代偿率、申请商业保险、申请再担保等手段分散风险。
(四)通过及时有效的追偿及利用风险准备金冲销等方式化解资产风险。
(五)信用担保公司为关联企业提供担保的条件不得优于其他受保企业,为关联企业提供担保的总金额不得超过其注册资本的50%。

第七章 外部监管与内部约束

第二十一条 信用担保公司应按照有关法律规定,建立和健全内部的约束机制,以完善内控制度。
第二十二条 市经济贸易局可会同有关部门定期或不定期考核信用担保公司的资信状况并向社会公布。
第二十三条 市经济贸易局对信用担保公司经营中发现的问题,可以向信用担保公司的法定代表人和其他高级管理人员提出质询,并责令其限期改正或进行整顿;拒不改正或整顿的,由市经济贸易局牵头提请市工商行政管理局吊销其《企业法人营业执照》。
第二十四条 信用担保公司必须严格执行国家现行财务制度和规定,实行审慎会计原则。于每一会计年度终了后的三个月内向市经济贸易局报送上一年度的经营情况。市经济贸易局有权在必要时要求信用担保公司报送有关业务和财务状况的资料。信用担保公司的法定代表人和直接经办人员对所提供资料的真实性负责。
信用担保公司应为担保资金设立专门帐户,并将担保业务资金与担保公司其他资金分开管理与核算。
第二十五条 信用担保公司应建立对各项业务的稽核、检查制度,并由独立于经营管理层的专职稽核人员执行,直接向监事会或执行监事负责。


第八章 市场退出


第二十六条 信用担保公司经营出现严重困难或有重大违规行为时,市工商行政管理局可依法对其《企业法人营业执照》予以撤销,并报市经济贸易局和人民银行东莞市中心支行备案。
第二十七条 信用担保公司解散或破产依据《中华人民共和国公司法》的有关规定进行。

第九章 附 则


第二十八条 凡违反本办法有关规定者,由有关部门按《中华人民共和国中小企业促进法》、《中华人民共和国合同法》和《中华人民共和国公司法》及其他有关法律规定予以处罚。信用担保公司对有关部门的处罚决定不服的,可以依法提请行政复议或者向人民法院提起行政诉讼。
第二十九条 本办法由市经济贸易局负责解释。
第三十条 本办法自公布之日起生效。本办法如与国务院的有关规定相抵触,以国务院规定为准。