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[ 境内机构对外担保管理办法翻译样本 ]


境内机构对外担保管理办法
Measures for Administration of Guarantees Overseas by Institutions within the Chinese Territory
  第一条 为促进对外经济技术合作,支持对外贸易发展,促进劳务出口和引进国外先进技术、设备及资金,顺利开展对外金融活动,规范对外担保行为,加强对对外担保的管理,根据《中华人民共和国担保法》和国家有关外汇管理的行政法规,制定本办法。
Article 1 This set of procedures are formulated with a view to promoting foreign economic and technological cooperation, supporting the development of foreign trade, promoting labour export, and import of foreign advanced technology, equipment and funds, smoothly carrying foreign financial activities, standardizing activities of and improving the administration of guarantees to overseas entities in line with "The Guarantee Law of the People's Republic of China" and relevant State administrative regulations governing foreign exchange.
  第二条 本办法所称对外担保,是指中国境内机构(境内外资金融机构除外,以下简称担保人)以保函、备用信用证、本票、汇票等形式出具对外保证,以《中华人民共和国担保法》中第三十四条规定的财产对外抵押或者以《中华人民共和国担保法》第四章第一节规定的动产对外质押和第二节第七十五条规定的权利对外质押,向中国境外机构或者境内的外资金融机构(债权人或者受益人,以下称债权人)承诺,当债务人(以下称被担保人)未按照合同约定偿付债务时,由担保人履行偿付义务。对外担保包括:
Article 2 Guarantees made overseas referred to in these procedures are guarantees in the forms of guarantee letters, stand-by letters of credit, cashiers' checks and drafts, mortgages by properties stipulated in Article 34 of the "Guarantee Law of the People's Republic of China", hypothecation by moving properties stipulated in Section 1 of Chapter 4 of the "Guarantee Law of PRC" or by rights stipulated in Article 75 of the above-mentioned "Guarantee Law" provided by institutions within Chinese territory to institutions outside China or foreign-funded financial institutions inside China (creditors or beneficiaries, hereinafter referred to as the creditors) with the pledges that when the debtors (hereinafter referred to as the guaranteed) fail to repay the debts in line with the contracts, the guarantors shall perform the obligation of repayment. Such guarantees include:
  (一)融资担保;
(1) call money guarantee;
  (二)融资租赁担保;
(2) guarantees for the lease of call money;
  (三)补偿贸易项下的担保;
(3) guarantees for accounts under compensation trade;
  (四)境外工程承包中的担保;
(4) guarantees for the contracted engineering projects outside China; and
  (五)其他具有对外债务性质的担保。
(5) guarantees for others with the nature of foreign debts
  担保人不得以留置或者定金形式出具对外担保。对境内外资金融机构出具的担保视同对外担保。
Guarantors should not provide such guarantees in the form of lien or deposits. The guarantees provided to the foreign-funded financial institutions inside China is regarded as made overseas.
  第三条 中国人民银行授权国家外汇管理局及其分、支局(以下简称外汇局)为对外担保的管理机关,负责对外担保的审批、管理和登记。
Article 3 The People's Bank of China empowers the State Administration for Exchange Control and its subdivisions (hereinafter referred to as the SAEC) to be responsible for the examination, approval, administration and registration of guarantees made overseas.
  第四条 本办法规定的担保人为:
Article 4 Guarantors as stipulated in this set of procedures are:
  (一)经批准有权经营对外担保业务的金融机构(不含外资金融机构);
(1) Financial institutions which have been empowered of making guarantees overseas (excluding foreign-funded financial institutions); and
  (二)具有代位清偿债务能力的非金融企业法人,包括内资企业和外商投资企业。
(2) Non-financial enterprise legal persons that have the capacity to pay off the debts, including Chinese enterprises and foreign-funded enterprises.
  除经国务院批准为使用外国政府或者国际经济组织贷款进行转贷外,国家机关和事业单位不得对外担保。
State organs and institutions cannot provide guarantees overseas except for sub-lending of loans provided for by foreign governments or international economic organizations.
  第五条 金融机构的对外担保余额、境内外汇担保余额及外汇债务余额之和不得超过其自有外汇资金的20倍。非金融企业法人对外提供的对外担保余额不得超过其净资产的50%,并不得超过其上年外汇收入。
Article 5 The combined balances of guarantees made overseas, forex guarantees within Chinese territory and foreign exchange debts of a financial institution cannot exceed 20 times their forex funds. The balance of guarantees made overseas provided by a non-financial institution legal person cannot exceed 50% of its net assets or its forex revenue in the preceding year.
  第六条 内资企业只能为其直属子公司或者其参股企业中中方投资比例部分对外债务提供对外担保。贸易型内资企业在提供对外担保时,其净资产与总资产的比例原则上不得低于15%。非贸易型内资企业在提供对外担保时,其净资产与总资产的比例原则上不得低于30%。
Article 6 Chinese enterprises can only provide such guarantees for the sub-divisions directly under it or for the foreign debts of the investment of the Chinese side of a stock enterprise. For providing guarantees overseas, the ratio between the net assets and total assets of a Chinese trade enterprise cannot be lower than 15% in principle. For providing guarantees overseas the ratio between the net assets and total assets of a Chinese non-trade enterprise cannot be lower than 30% in principle.
  第七条 担保人不得为经营亏损企业提供对外担保。
Article 7 Guarantors should not provide guarantee for money-losing overseas enterprises.
  第八条 担保人为外商投资企业(不含外商独资企业)提供对外担保,应坚持共担风险、共享利润的原则,同时被担保人的对外借款投向须符合国家产业政策,未经批准不得将对外借款兑换成人民币使用。
Article 8 When providing guarantees for foreign-funded enterprises (excluding solely foreign-owned enterprises), the guarantors should adhere to the principle of jointly undertaking risks and sharing profits, and at the same time, the use of foreign loans of the guaranteed should accord with the State industrial policy, and the loans cannot be converted into Renminbi for use without approval.
担保人不得为外商投资企业注册资本提供担保。
Guarantors should not provide guarantees for registered capital of foreign-funded enterprises.
  除外商投资企业外,担保人不得为外商投资企业中的外方投资部分的对外债务提供担保。
Apart from the foreign-funded enterprises, guarantors should not provide guarantees for the foreign debts of investment by the foreign side of a foreign-funded enterprise.
  第九条 外汇局在审批担保人为中国境外贸易型企业提供对外担保时,应审查被担保人的贸易规模、资产负债比例、损益情况,核定被担保人应接受的对外担保上限。
Article 9 While examining and approving the guarantee provided to a trade enterprise outside China by a guarantor, the SAEC shall examine the trade scope, the ratio between assets and debts, losses and benefits of the guaranteed, and then appraise and decide the ceiling of guarantee the guaranteed shall receive.
  外汇局在审批担保人为中国境外承包工程型企业提供对外担保时,应审查被担保人的承包工程量、工程风险、资产负债比例、损益情况,核定被担保人应接受的对外担保上限。
While examining and approving a guarantee provided to a project contractor outside China by a guarantor, the SAEC shall examine the amount and risks of the contracted project, the ratio between the assets and debts, losses and benefits of the guaranteed, and then appraise and decide the ceiling of guarantee the guaranteed shall receive.
  第十条 对外担保的审批权限:
Article 10 Terms of reference for examining and approving guarantees overseas:
  (一)为境内内资企业提供对外担保和为外商投资企业提供1年期以内(含1年)的对外担保,由担保人报其所在地的省、自治区、直辖市、计划单列市或者经济特区外汇管理分局审批;
(1) In providing guarantee overseas for Chinese enterprises and such guarantees within one year (including one year) for foreign-funded enterprises, guarantors should report to the SAEC of its province, autonomous region, municipality, city of provincial status in planning or of the special economic zone for examination and approval; and
  (二)为外商投资企业提供1年期以上(不含1年)的对外担保和为境外机构提供对外担保,由担保人报经其所在地的省、自治区、直辖市、计划单列市或者经济特区外汇管理分局初审后,由该外汇管理分局转报国家外汇管理局审批;
(2) In providing guarantees of more than one year (excluding one year) to foreign-funded enterprises and to institutions outside China, guarantors should report to the SAEC of its province, autonomous region, municipality, city of provincial status in planning or of the special economic zone for initial examination and then to the country's SAEC for examination and approval.
  第十一条 担保人办理担保报批手续时,应当向外汇局提供下列或者部分资料:
Article 11 Guarantors should provide part or all of the following materials to the SAEC in going through the formalities of reporting its deal for approval;
  (一)担保项目可行性研究报告批准件和其他有关批复文件;
(1) The approved feasibility study report of the project to be guaranteed and other approved related documents;
  (二)经注册会计师审计的担保人的资产负债表(如担保人是集团性公司的,应报送其合并资产负债表和其本部的资产负债表);
(2) The balance sheets (consolidated balance sheets if the guaranteed is a group company) as audited by certified accountants;
  (三)经注册会计师审计的被担保人的资产负债表;
(3) The profit and loss report of the guaranteed which has been audited by the certified accountants;
  (四)担保合同意向书;
(4) The letter of intent of the guarantee contract;
  (五)被担保项下主债务合同或者意向书及其他有关文件;
(5) The major debt contract or letter of intent under the guaranteed project and other related documents;
  (六)本办法第八条、第九条规定的有关资料;
(6) Relevant materials as stipulated in Articles 8 and 9 of this set of procedures; and
  (七)外汇局要求的其他资料。
(7) Other materials as required by the SAEC.
  第十二条 经外汇局批准后,担保人方能提供对外担保。
Article 12 Guarantors can only provide guarantees overseas upon approvals by SAEC.
  第十三条 担保人提供对外担保,应当与债权人、被担保人订立书面合同,约定担保人、债权人、被担保人各方的下列权利和义务:
Article 13 In providing guarantee overseas, guarantors should conclude written contracts with the creditors and the guaranteed, agreeing on the following rights and obligations of each party:
  (一)担保人有权对被担保人的资金和财产情况进行监督;
(1) Guarantors have the right to supervise the funds and properties of the guaranteed;
  (二)担保人提供对外担保后,债权人与被担保人如果需要修改所担保的合同,必须取得担保人的同意,并由担保人报外汇局审批;未经担保人同意和外汇局批准的,担保人的担保义务自行解除;
(2) After provision of guarantees, creditors and guaranteed should have the agreement of guarantors if they need to revise the guarantee contract and the guarantors should report the revision to the SAEC for examination and approval; otherwise the guarantors should automatically be relieved of their obligations;
  (三)担保人提供对外担保后,在其所担保的合同有效期内,担保人应当按照担保合同履行担保义务。担保人履行担保义务后,有权向被担保人追偿;
(3) After their providing guarantee overseas, the guarantors should, within the terms of validity of the contracts, perform their obligations as stipulated in the contracts. Guarantors that have performed their obligations have the right to seek compensations from the guaranteed;
  (四)担保人提供担保后,在担保合同的有效期内债权人未按照债务合同履行义务的,担保人的担保义务自行解除;
(4) After providing guarantee overseas, guarantors concerned should automatically be relieved of their obligations if the creditors fail to perform their obligations as set in the debt contracts within the term of validity of the guarantee contracts;
  (五)担保人有权要求被担保人落实反担保措施或者提供相应的抵押物;
(5) Guarantors have the right to ask the guaranteed to carry out the counter-guarantee measures or provide corresponding mortgages; and
  (六)担保人有权收取约定的担保费。
(6) Guarantors have the right to collect the agreed guarantee charges.
  第十四条 担保人提供对外担保后,应当到所在地的外汇局办理担保登记手续。
Article 14 After providing guarantee overseas, guarantors should go to the local SAEC to go through the formalities of guarantee registration.
  非金融机构提供对外担保后,应当自担保合同订立之日起15天内到所在地的外汇局填写《对外担保登记表》,领取《对外担保登记书》;履行担保合同所需支付的外汇,须经所在地的外汇局核准汇出,并核减担保余额及债务余额。
After providing guarantee overseas, non-financial institutions should, within 15 days beginning from dates when guarantee contracts are concluded, go to the local SAEC to fill out the "Guarantee Overseas Registration Form"; collect the "Guarantee Overseas Registration Book"; draw and remit the forex needed by the guarantee contracts upon the check and approval of the local SAEC, and correspondingly reduce the balances of the guarantee and debts.
  金融机构实行按月定期登记制,在每月后的15天内填写《对外担保反馈表》,上报上月担保债务情况。
Financial institutions should fill out the "Guarantee Overseas Feedback Form" within 15 days following the end of each month and report the debt of preceding month every month.
  第十五条 担保期限届满需要展期的,担保人应当在债务到期前30天到所在地的外汇局办理展期手续,由外汇局依照本办法第十条规定的权限审批。
Article 15 If an extension is needed upon the expiration of a guarantee, the guarantor should go to the local SAEC to go through the formalities of extension 30 days prior to the expiration of the debts and the SAEC shall examine and approve according to the terms of reference set in Article 10 of this set of procedures.
  第十六条 非金融机构的担保人应当自担保项下债务到期、担保义务履行完毕或者出现终止担保合同的其他情形之日起15天内,将《对外担保登记证书》退回原颁发证书的外汇局办理注销手续。金融机构按月办理注销手续。
Article 16 Non-financial institution guarantors should return the "Foreign Guarantee Registration Book" to the original issuing SAEC and handle the writing-off formalities within 15 days beginning from the date when the debts under the guarantee account are due, the guarantee obligations are completed or other cases that lead to the suspension of the guarantee contracts. Financial institution guarantors should go through the writing-off formalities.
  第十七条 担保人未经批准擅自出具对外担保,其对外出具的担保合同无效。
Article 17 If a guarantor provides guarantee overseas without approval, foreign guarantee contract it concludes is invalid.
  担保人未经批准擅自出具对外担保或者担保人出具对外担保后未办理担保登记的,由外汇局根据情节,给予警告、通报批评、暂停或者撤销担保人对外担保业务。
If a guarantor provides guarantee overseas without approval or without registration after it has done so, the SAEC shall, according to the cases, issue a warning, or a criticism by way of issuing a notice, suspend or cancel the guarantee business of the guarantor.
  第十八条 本办法适用于对外反担保。
Article 18 This set of procedures apply to the counter-guarantees overseas.
  第十九条 本办法自1996年10月1日起施行。1991年9月26日公布的《境内机构对外提供外汇担保管理办法》同时废止。本办法由国家外汇管理局负责解释。
Article 19 This set of procedures are promulgated on October 1, 1996. "Provisional Rules Governing the Issue of Foreign-Exchange Guarantees By Resident Institutions In China", which were issued on September 26, 1991, are annulled at the same time. The SAEC is entitled to interpret these procedures.