【中英文对照版】消费金融公司管理办法.docx

消费金融公司管理办法MeasuresfortheAdministrationofConsumerFinanceCompanies制定机关，国家金融监督管理总局发文字号,国家金融监督管理总局令2024年第4号公布日期：2024.03.18施行日期：2024.04.18效力位阶,部门规章法规类别：银行业监管机构管理的金融机构Issuingauthority：InstrumentalitiesoftheStateCouncil,AAdministrationsDocumentNumber：OrderNo.42024oftheNationalFinancialRegulatoryAdministrationDateissued：12-31-2024Effectivedate：04-18-20241.evelofAuthority：DepartmentalRulesAreaof1.aw：Banking&Finance国家金融监督管理总局令OrderoftheNationalFinancialRegulatoryAdministration（2024年第4号）消费金融公司管理办法已于2023年12月4日经国家金融监督管理总局2023年第4次局务会议审议通过。现予公布，自2024年4月18日起施行。消费金融公司管理办法(No.42024)TheMeasuresfortheAdministrationofConsumerFinanceCompanies,asdeliberatedandadoptedatthe4th2023ExecutiveMeetingoftheNationalFinancialRegulatoryAdministrationonDecember4,2023,areherebyissuedandcomeintoforceonApril18,2024.MeasuresfortheAdministrationofConsumerFinanceCompanies第一章总则第一条为加强对消费金融公司的监督管理，促进消费金融公司规范经营和高质量发展，依据中华人民共和国公司法中华人民共和国银行业监督管理法等法律法规，制定本办法。ChapterIGeneralProvisionsArticle 1 Forthepurposesofstrengtheningthesupervisionandadministrationofconsumerfinancecompaniesandpromotingtheirwell-regulatedoperationandhigh-qualitydevelopment,theseMeasuresaredevelopedinaccordancewiththeCompany1.awofthePeople'sRepublicofChina,theBankingSupervision1.awofthePeopIe1SRepublicofChina,andotherlawsandregulations.第二条本办法所称消弗翁就A司.早招经国家金Article 2 ForthepurposeoftheseMeasures,theterm''consumerfinancecompaniesmeansnon-bankingfinancialinstitutionswhichareestablishedupontheapprovaloftheNationalFinancialRegulatoryAdministration(uNFRAn)for,insteadofabsorbingthedepositofthegeneralpublic,providingconsumption-orientedloansforresidentindividualsinsideChinaundertheprincipleofsmallamountanddispersion.Article 3 ForthepurposeoftheseMeasures,theterm“consumptionIoansnmeansloansgrantedbyconsumerfinancecompaniestoborrowersforpurposesofconsumption(notforthepurchaseofresidentialpropertiesandautomobiles).Article 4 Aconsumerfinancecompanyshallcontain“consumerfinanceinitsname.WithouttheapprovaloftheNFRA,noinstitutionmayusetheterm“consumerfinanceninitsname.融监督管理总局批准设立的，不吸收公众存款，以小额、分散为原则，为中国境内居民个人提供消费贷款的非银行金融机构。Article 5 TheNFRAanditslocalofficesshallsuperviseandadministerconsumerfinancecompaniesinaccordancewiththelaw.第三条本办法所称消费贷款是指消费金融公司向借款人发放的以消费为目的（不包括购买住房和汽车）的贷款。第四条消费金融公司名称中应当标明“消费金融”字样Q未经国家金融监督管理总局批准，任何机构不得在名称中使用“消费金融”字样。第五条国家金融监督管理总局及其派出机构依法对消费金融公司实施监督管理。ChapterIlFormationandModificationArticle6Aconsumerfinancecompanymaybeformeduponsatisfactionofthefollowingconditions:(1) HavingabylawthatconformstotheCompany1.awofthePeople,sRepublicofChinaandtheCBRCprovisions.(2) Havingprincipalinvestorsandordinaryinvestorsthatmeettheprescribedrequirements.第二章设立与变更第六条申请设立消费金融公司应当具备以下条件：（一）有符合中华人民共和国公司法和国家金融监督管理总局规定的公司章程；（二）有符合规定条件的主要出资人和一般出资人；（三）注册资本为一次性实缴货币资本，最低限额为10亿元人民币或者等值的可自由兑换货币；(3) Theregisteredcapitalispaid-inmonetarycapitalinalumpsumofaminimumof1billionyuanorequivalentinfreelyconvertiblecurrency.（四）有符合任职资格条件的董事、高级管理人员和熟悉消费金融业务的合格从业人员，在风险管理、财务管理、信贷管理等关键岗位上至少各有1名具有3年以上相关金融从业经验的人员；(4) Havingdirectorsandofficersqualifiedforholdingtheirpositions,competentemployeesthatarefamiliarwiththeconsumerfinancebusiness,andatleastonepersonwhohasmorethanthreeyearsofrelevantfinancialexperienceineachofriskmanagement,financialmanagement,creditmanagement,andotherkeypositions.（五）建立有效的公司治理、内部控制和风险管理体系；（六）建立与业务经营和监管要求相适应的信息科技架构，具有支撑业务经营的必要、安全且合规的信息系统,具备保障业务持续运营的技术与措施；(5) Establishingeffectivecorporategovernance,internalcontrol,andriskmanagementsystems.(6) Establishinganinformationtechnologystructurethatmeetsbusinessoperationsandregulatoryrequirements,havinganecessary,secure,andcompliantinformationsystemthatsupportsbusinessoperations,andhavingtechnologyandmeasuresthatguaranteecontinuousbusinessoperations.（七）有与业务经营相适应的营业场所、安全防范措施和其他设施；(7) Havingthebusinessplace,safetymeasuresandotherfacilitiesrequiredbyitsbusinessoperation.（八）国家金融监督管理总局规章规定的其他审慎性条件。(8) OtherprudentialconditionsspecifiedintherulesoftheNFRA.第七条消费金融公司的出资人应当为中国境内外依法设立的企业法人，并分为主要出资人和一般出资人。主要出资人是指出资额不低于拟设消费金融公司全部股本50%的出资人，须为境内外金融机构或主营业务为提供适合消费贷款业务产品的境内非金融企业，一般出资人是指除主要出资人以外的其他出资人。Article7TheinvestorsofaconsumerfinancecompanyshallbecorporateenterpriseslegallyformedinsideoroutsideChinaandincludetheprincipalinvestorandordinaryinvestors.Theprincipalinvestoristheinvestorthatholdsnotlowerthan50%ofthecapitalstockoftheconsumerfinancecompanytobeformed,andmustbeadomesticoroverseasfinancialinstitutionoradomesticnon-financialenterprisewhosemainbusinessistoprovideproductssuitableforconsumerloanbusiness;anordinaryinvestorisaninvestorotherthantheprincipalinvestor.第八条金融机构作为消费金融公司的主要出资人，应当具备以下条件：Article8Tobetheprincipalinvestorofaconsumerfinancecompany,afinancialinstitutionshallsatisfythefollowingconditions:(1) Ithasmorethanfiveyearsofexperienceinconsumerfinance.(2) Itstotalassetsattheendofthelastfiscalyearshallbenotlowerthan500billionyuanorequivalentinfreelyconvertiblecurrency.(3) Itsfinancialconditionisgood,andithasgainedprofitsforthelasttwoconsecutivefiscalyears.(4) Ithasagoodcreditstandingandhasnogrossviolationoflaworregulationinthelasttwoyears.(5) Thefundsforequityinvestmentareownfunds,andnofundsheldonbehalfofprincipalanddebtfunds,amongothers,shallnotbeusedforequityinvestment.(6) Inprinciple,thebalanceofequityinvestmentshallnotexceed50%oftheenterprise'snetassets(includingtheamountofthisinvestment),unlesstheenterpriseisaninvestmentcompanyorholdingcompanyspecifiedbytheStateCouncil.(7) Ithasasoundcorporategovernancestructure,riskmanagementmechanism,andinternalcontrolsystem.(8) Ithasreceivedagoodregulatoryrating.(9) Itmeetstheprudentialregulatoryrequirementsoftheregulatoryauthorityofthecountryorregionwhereitislocated.(10) AnoverseasfinancialinstitutionhassufficientlyanalyzedandresearchedthemarketofChina,andthefinancialregulatoryauthorityofthecountryorregionwhereitislocatedhasestablishedasoundmechanismforcooperationinsupervisionandadministrationwiththeNFRA.（一）具有5年以上消费金融领域的经营经验；（二）最近1个会计年度末总资产不低于5000亿元人民币或等值的可自由兑换货币；（三）财务状况良好，最近2个会计年度连续盈利；（四）信誉良好，最近2年内无重大违法违规行为；（五）入股资金为自有资金,不得以委托资金、债务资金等非自有资金入股；（六）权益性投资余额原则上不得超过本企业净资产的5096（含本次投资金额），国务院规定的投资公司和控股公司除外；（七）具有良好的公司治理结构、健全的风险管理制度和内部控制机制；（八）监管评级良好；（九）满足所在国家或地区监管当局的审慎监管要求；（十）境外金融机构应对中国市场有充分的分析和研究，且所在国家或地区金融监管当局已经与国家金融监督管理总局建立良好的监督管理合作机制；（十一）国家金融监督管理总局规章规定的其他审慎性条件。(11) OtherprudentialconditionsspecifiedintherulesoftheNFRA.Tobeanordinaryinvestorinaconsumerfinancecompany,afinancialinstitutionshallhavearegisteredcapitalofnotlowerthan1billionyuanorequivalentinfreelyconvertiblecurrencyinadditiontosatisfyingconditionslistedinsubparagraphs(3)through(9).Thefinancialindicatorrequirementsintheprecedingparagraphareallonaconsolidatedbasis.Article9Tobetheprincipalinvestorinaconsumerfinancecompany,anon-financialenterpriseshallsatisfythefollowingconditions:(1) Therevenueforthelastfiscalyearisnotlowerthan60billionyuanorequivalentinfreelyconvertiblecurrency.(2) Thenetassetsattheendofthelastfiscalyeararenotlowerthan40%ofthetotalassets.(3) Itsfinancialconditionisgood,andithasgainedprofitsforthelastthreeconsecutivefiscalyears.(4) Ithasagoodcreditstandingandhasnogrossviolationoflaworregulationinthelasttwoyears.(5) Thefundsforequityinvestmentareownfunds,andnofundsheldonbehalfofprincipalanddebtfunds,amongothers,shallnotbeusedforequityinvestment.(6) Inprinciple,thebalanceofequityinvestmentshallnotexceed40%oftheenterprise'snetassets(includingtheamountofthisinvestment),unlesstheenterpriseisaninvestmentcompanyorholdingcompanyspecifiedbytheStateCouncil.(7) OtherprudentialconditionsspecifiedintherulesoftheNFRA.金融机构作为消费金融公司一般出资人，除应具备前款第三项至第九项的条件外，注册资本应不低于10亿元人民币或等值的可自由兑换货币。前款所涉及的财务指标要求均为合并会计报表口径。第九条非金融企业作为消费金融公司主要出资人，应当具备以下条件：（一）最近1个会计年度营业收入不低于600亿元人民币或等值的可自由兑换货币；（二）最近I个会计年度末净资产不低于总资产的40%；（三）财务状况良好，最近3个会计年度连续盈利；（四）信誉良好，最近2年内无重大违法违规行为；（五）入股资金为自有资金,不得以委托资金、债务资金等非自有资金入股；（六）权益性投资余额原则上不得超过本企业净资产的40%（含本次投资金额），国务院规定的投资公司和控股公司除外；（七）国家金融监督管理总局规章规定的其他审慎性条件。非含副心l/作为滔弟金鼬公TohftanrdinarvinvestorinaCCnSlJmarfinancecompany,anon-financialenterpriseshallmeetthefollowingconditionsinadditiontotheconditionsinsubparagraphs(4)and(5)oftheprecedingparagraph:(1) Thenetassetsattheendofthelastfiscalyeararenotlowerthan30%ofthetotalassets.(2) Itsfinancialconditionisgood,andithasgainedprofitsforthelasttwoconsecutivefiscalyears.(3) Inprinciple,thebalanceofequityinvestmentshallnotexceed50%oftheenterprise'snetassets(includingtheamountofthisinvestment),unlesstheenterpriseisaninvestmentcompanyorholdingcompanyspecifiedbytheStateCouncil.Thefinancialindicatorrequirementsintheprecedingparagraphareallonaconsolidatedbasis.Article 10 Aconsumerfinancecompanytobeformedshallatleasthaveoneinvestorwithmorethanfiveyearsofexperienceinconsumerfinancebusinessmanagementandriskcontrolandholdingnotlowerthanonethirdoftotalequitiesofthecompany.Article 11 Ifaconsumerfinancecompanycontemplatesanyofthefollowingmodifications,itshallsubmitthemodificationforapprovalbytheNationalFinancialRegulatoryAdministrationoritslocaloffice:(1) Modificationofname.(2) Modificationofregisteredcapital.(3) Modificationofequityoradjustmentofequitystructure.(4) Modificationofdomicileorbusinesspremise.司一般出资人，除应具备前款第四、五项条件外，还应当具备以下条件：（一）最近1个会计年度末净资产不低于总资产的30%；（二）财务状况良好，最近2个会计年度连续盈利；（三）权益性投资余额原则上不得超过本企业净资产的50%（含本次投资金额），国务院规定的投资公司和控股公司除外。前款所涉及的财务指标要求均为合并会计报表口径。第十条消费金融公司至少应当有1名具备5年以上消费金融业务管理和风险控制经验，并且出资比例不低于拟设消费金融公司全部股本三分之一的出资人。第H条消费金融公司有下列变更事项之一的，应当报经国家金融监督管理总局或其派出机构批准：（一）变更公司名称；（二）变更注册资本；（三）变更股权或调整股权结构；（四）变更公司住所或营业场所；（五）修改公司章程;(5) Amendmentofthebylaw.（六）变更董事和高级管理人员；（七）调整业务范围；（八）合并或分立；（九）国家金融监督管理总局规定的其他变更事项。第十二条消费金融公司设立、变更、终止、调整业务范围和增加业务品种、董事及高级管理人员任职资格核准的行政许可程序，按照国家金融监督管理总局有关规定执行。第十三条消费金融公司设立、变更及业务经营过程中涉及外汇管理事项的，应当遵守国家外汇管理有关规定。第三章业务范围与经营规则第十四条消费金融公司可以在全国范围内开展业务。第十五条消费金融公司可以经营下列部分或者全部人民币业务：（一）发放个人消费贷款；（二）接受股东及其境内子公司、股东所在集团母公司及其境内子公司的存款；（三）向境内金融机构借款;（四）向作为公司股东的境外金融机构借款；(6) Modificationofanydirectororofficer.(7) adjustmentofthescopeofbusiness.(8) Combinationorsplit.(9) OtherchangesasprescribedbytheNAFR.Article 12 Theadministrativelicensingproceduresfortheformation,modification,termination,adjustmentofbusinessscope,additionofbusinesstypes,andapprovalofthequalificationsofdirectorsandofficersofconsumerfinancecompaniesshallbegovernedbytherelevantprovisionsissuedbytheNFRA.Article 13 Foreignexchangeadministrationissuesconcernedintheformation,modificationandbusinessoperationofconsumerfinancecompaniesshallbegovernedbytherelevantstateprovisionsonforeignexchangeadministration.ChapterIIIBusinessScopeandOperatingRulesArticle 14 Aconsumerfinancecompanymayconductbusinessnationwide.Article 15 AconsumerfinancecompanymayconductallorpartofthefollowingRMBbusiness:(1) Grantingconsumerloans.(2) Acceptingdepositsfromitsshareholders,itsdomesticsubsidiaries,theparentofthegroupofwhichanyofitsshareholdersisamember,andtheparentsdomesticsubsidiaries.(3) Borrowingfromadomesticfinancialinstitution.(4) Borrowingfromanoverseasfinancialinstitutionthatisashareholderofthecompany.（五）发行非资本类债券;(5) Issuingnon-capitalbonds.(6) Engagingininter-consumerfinancecompany(六)同业拆借;lending.（七）与消费金融相关的咨询、代理业务；(7) Providingconsultancyandagencyservicesrelatingtoconsumerfinance.(8)OtherbusinessapprovedbytheNFRA.（八）经国家金融监督管理总局批准的其他业务。第十六条经营状况良好、符合条件的消费金融公司，可以向国家金融监督管理总局及其派出机构申请经营下列部分或者全部人民币业务：（一）资产证券化业务；（二）固定收益类证券投资业务；（三）国家金融监督管理总局批准的其他业务。消费金融公司申请开办前款所列业务的具体条件和程序，按照行政许可有关规定执行。第十七条符合条件的消费金融公司可以申请发行资本工具，并应当符合监管要求的相关合格标准。第十八条消费金融公司向借款人发放消费贷款，应当审慎评估借款人的还款能力，对借款人贷款授信额度最高不得超过人民币20万17Co第十九条消费金融公Hl店也构建助让风险能捧休Article 16 AneligibleconsumerfinancecompanyingoodoperatingconditionmayapplytotheNFRAoritslocalofficeforallorpartofthefollowingRMBbusiness:(1) Assetsecuritizationbusiness.(2) Fixed-incomesecuritiesinvestmentbusiness.(3) OtherbusinessapprovedbytheNAFR.Thespecificconditionsandproceduresforaconsumerfinancecompanytoapplyforthebusinesslistedintheprecedingparagraphshallbegovernedbytheprovisionsrelatedtoadministrativelicensing.Article 17 Aneligibleconsumerfinancecompanymayapplyfortheissuanceofcapitalinstrumentsandshallmeettherelevantconformitystandardsrequiredbyregulatoryrequirements.Article 18 Whengrantingaconsumerloantoaborrower,aconsumerfinancecompanyshallprudentiallyassesstheborrower'spaymentability.Thelineofcreditforaborrowershallnotexceed200,000yuan.Article 19 Aconsumerfinancecompanyshallestablishafraudriskpreventionandcontrolsystem,andimproveanti-fraudmodelsandrelatedtechnicalmeanstoeffectivelyidentifyfraudulentbehaviors,ensurethatborrowers,identitydataandborrowingintentionsareauthenticandvalid,andguaranteethesecurityofcreditfunds.Article 20 Aconsumerfinancecompanyshallfollowtheprincipleofinterestrateliberalization,establisharisk-basedpricingmechanismforconsumerloaninterestrates,complywiththeprinciplesofcompliancewithlawsandregulations,prudentialoperation,equality,voluntariness,andgoodfaith,andreasonablydetermineconsumerloaninterestrates.Article 21 AconsumerfinancecompanythatengagesinInternetloanbusinessshallcomplywithlaws,regulations,andregulatoryprovisionsrelatedtoInternetloans.ChapterIVCorporateGovernanceArticle22Aconsumerfinancecompanyshall,inaccordancewithrelevantlaws,regulations,andregulatoryprovisions,establishandenhanceitscorporategovernancestructure,definetheboundariesofprimaryresponsibilitiesandtherequirementsfortheperformanceofduties,andestablishacorporategovernancemechanismcharacterizedbyscientificdecision-making,strongexecution,andeffectivesupervisionaccordingtotheprinciplesofeachentityattendingtoitsownduties,coordinatedoperation,andeffectivechecksandbalances.Article23Astate-ownedconsumerfinancecompanyshallincorporatePartybuildingrequirementsintoitsbylaws,ensurethestatutorystatusofPartyorganizationswithinthecorporategovernancestructure,adheretoandenhancetheinterlockingleadershipsystem,andintegratetheParty'sleadershipintoallaspectsofcorporategovernance.系，通过完善反欺诈模型与相关技术手段，有效识别欺诈行为，确保借款人身份数据与借款意愿真实有效，保障信贷资金安全。第二十条消费金融公司应当遵循利率市场化原则，建立消费贷款利率的风险定价机制，遵循依法合规、审慎经营、平等自愿、公平诚信的原则，合理确定消费贷款的利率水平。第二十一条消费金融公司开展互联网贷款业务，应当遵守互联网贷款有关法律法规和监管规定。第四章公司治理第二十二条消费金融公司应当根据有关法律法规和监管规定，建立和健全公司治理架构，明确各治理主体职责边界、履职要求，按照各司其职、协调运转、有效制衡的原则，构建决策科学、执行有力、监督有效的公司治理机制。第二十三条国有消费金融公司应当将党建工作要求写入公司章程，落实党组织在公司治理结构中的法定地位，坚持和完善“双向进入、交叉任职”领导体制，将党的领导融入公司治理各个环节。年皆消弗金鼬公司应今将昭AnrivatftCCnSuJmarfinancnCCmnanVshallestablishtheParty'sorganizationalstructureinaccordancewithprovisionsonPartyorganizationestablishment,strengthenpoliticalleadership,buildanadvancedcorporateculture,andfostersustainableandsounddevelopment.Article 24 Aconsumerfinancecompanyshallestablishandimprovesystemsrelatedtoshareholderequitymanagementtostrengthenshareholderequitymanagementandregulateshareholderbehavior.Ifacontrollingshareholder,actualcontroller,relatedparty,personactinginconcert,orbeneficialowneroftheconsumerfinancecompany,sshareholderchanges,theconsumerfinancecompanyshallpromptlyreporttothelocalofficeoftheNFRA.Article 25 Ashareholderofaconsumerfinancecompanyhasthefollowi