【中英文对照版】流动资金贷款管理办法.docx

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1、流动资金贷款管理办法（2024年2月2日国家金融监 督管理总局令2024年第2号公 布自2024年7月1日起施 行）第一章总则第一条为规范银行业金 融机构流动资金贷款业务经营 行为，加强流动资金贷款审慎 经营管理，促进流动资金贷款 业务健康发展，依据中华人 民共和国银行业监督管理法 中华人民共和国商业银行 法等法律法规，制定本办 法。流动资金贷款管理办法MeasuresfortheAdministrationofWorkingCapitalLoans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2号公布日期：2024.02.02施行日期：2024.07.01效力住阶

2、：部门规章法规类别：贷款IssuingAuthority：NationalAdministrationofFinancialRegulationDocumentNumber：No.22024oftheStateAdministrationforFinanceRegulationDateIssued：02-02-2024EffectiveDale：07-01-20241.evelofAuthority：DepartmentalRulesAreaofLaw：LoanMeasuresfortheAdministrationofWorkingCapitalLoans(IssuedbyOrderNo.2

3、2024oftheStateAdministrationforFinanceRegulationonFebruary2,2024andshallcomeintoforceonJuly1,2024)ChapterIGeneralProvisionsArticle1Forthepurposesofregulatingbankingfinancialinstitutionsbusinessoperationofworkingcapitalloans,strengtheningtheprudentialoperationandmanagementofworkingcapitalloansandprom

4、otingthesounddevelopmentofworkingcapitalloanbusiness,theseMeasuresaredevelopedaccordingtotheBankingSupervisionLawofthePeople,sRepublicofChina,theLawofthePeople,sRepublicofChinaonCommercialBanksandotherlawsandregulations.Article2ForthepurposesoftheseMeasures,ubankingfinancialinstitutions(hereinafterr

5、eferredtoas“lenders)refertocommercialbanks,ruralcooperativebanks,ruralcreditcooperativesandotherfinancialinstitutionstakingpublicdepositsformedintheterritoryofthePeoplesRepublicofChina.Article3ForthepurposesoftheseMeasures,thetermworkingcapitalIoannreferstoaloanindomesticandforeigncurrenciesgrantedb

6、yalendertoalegalpersonoranunincorporatedorganization(excludingentitiesthatshallnotapplyforbankloansaccordingtotherelevantrulesofthestate)forroutineoperatingturnover.Article4Alendershallcarryoutworkingcapitalloanbusinessundertheprinciplesoflegitimacy,compliance,prudentialoperation,equality,freewill,f

7、airnessandgoodfaith.Article5Alendershallimproveitsinternalcontrolmechanism,managethewholeprocessofloans,comprehensivelyobtainclientsinformation,setupasystemfortheriskmanagementofworkingcapitalloansandanefficientmechanismforthecheckandbalanceofposts,specifytheloanmanagementresponsibilitiesofeachspeci

8、ficdepartmentandpost,andestablishanevaluationandaccountabilitymechanismforeachpost.第二条本办法所称银行 业金融机构（以下简称贷款 人），是指在中华人民共和国 境内设立的商业银行、农村合 作银行、农村信用合作社等吸 收公众存款的金融机构。第三条本办法所称流动 资金贷款，是指贷款人向法人 或非法人组织（按照国家有关 规定不得办理银行贷款的主体 除外）发放的，用于借款人日 常经营周转的本外币贷款。第四条贷款人开展流动 资金贷款业务，应当遵循依法 合规、审慎经营、平等自愿、 公平诚信的原则。第五条贷款人应完善内 部控制

9、机制，实行贷款全流程 管理，全面了解客户信息，建 立流动资金贷款风险管理制度 和有效的岗位制衡机制，将贷 款管理各环节的责任落实到具 体部门和岗位，并建立各岗位 的考核和问责机制。第六条贷款人应合理测 算借款人营运资金需求，审慎 确定借款人的流动资金授信总 额及具体贷款的额度，不得超 过借款人的实际需求发放流动Article6Alendershallreasonablyestimateaborrowersworkingcapitaldemandandprudentlydeterminethetotalworkingcapitalcreditlinetoaborrowerandthelimito

10、fspecificloan,andshallnotgrantworkingcapitalloansinexcessoftheborrowersactualdemand.Alendershall,accordingtothebusinessoperationscaleandcycleoftheborrower,rationallysetbusinesstypeandtermoftheworkingcapitalloantomeettheborrowerscapitaldemandforbusinessoperationandexerciseeffectivecontrolovertherecov

11、eryofloanfunds.Article7Alendershallincludetheworkingcapitalloansintheunifiedmanagementofcredittoaborroweranditsgroup,sclients,andestablisharisklimitmanagementsystemaccordingtotheactualriskmanagementneeds.资金贷款。贷款人应根据借款 人经营的规模和周期特点，合 理设定流动资金贷款的业务品 种和期限，以满足借款人经营 的资金需求，实现对贷款资金 回笼的有效控制。第七条贷款人应将流动 资金贷款纳入对

12、借款人及其所 在集团客户的统一授信管理， 并根据风险管理实际需要，建 立风险限额管理制度。第八条贷款人应根据经 济运行状况、行业发展规律和 借款人的有效信贷需求等，合 理确定内部绩效考核指标，不 得制订不合理的贷款规模指 标，不得恶性竞争和突击放 贷。Article8Alendershall,accordingtotheeconomicoperationstatus,industrialdevelopmentrulesandtheborrowerseffectivefinancialdemand,reasonablydeterminetheinternalperformanceevaluati

13、ontargets,andshallnotdevelopanyunreasonablecreditscaleindicators,engageincut-throatcompetitionorgrantsuddenloans.Article 9 A lender and a borrower shall clearly agree upon the legal purposes of a loan.第九条贷款人应与借款人约定明确、合法的贷款用途。流动资金贷款不得用于借款人 股东分红，以及金融资产、固 定资产、股权等投资；不得用 于国家禁止生产、经营的领域 和用途Q对向地方金融组织发放流动资 金

14、贷款另有规定的，从其规 定。Workingcapitalloansshallnotbeusedtoinvestinaborrowersdividendstoshareholders,financialassets,fixedassetsorequityorusedforfieldsorpurposeswhereproductionorbusinessoperationhasbeenprohibitedbythestate,exceptasotherwiseprescribedforgrantingofworkingcapitalloanstolocalfinancialorganization

15、s.第十条流动资金贷款禁 止挪用，贷款人应按照合同约 定检查、监督流动资金贷款的 使用情况。Article 10 Workingcapitalloansshallbeprohibitedtobeappropriatedandalendershallcheckandsupervisetheuseofworkingcapitalloansaccordingtotheloancontract.第十一条流动资金贷款 期限原则上不超过三年。对于 经营现金流回收周期较长的， 可适当延长贷款期限，最长不 超过五年。Article 11 Thetermofaworkingcapitalloanshallnot

16、exceedthreeyearsinprinciple.Foraloanwithrelativelylongrecoverycycleofoperatingcashflow,theloantermmaybeappropriatelyextended,foruptofiveyears.第十二条流动资金贷款 利率应当遵循利率市场化原 则，由借贷双方在遵守国家有 关规定的前提下协商确定。Article 12 Theinterestrateofworkingcapitalloansshallfollowthemarket-orientedprincipleofinterestrateandbedete

17、rminedbythelenderandtheborrowerthroughconsultationincompliancewiththerelevantrulesofthestate.第十三条国家金融监督 管理总局及其派出机构依法对 流动资金贷款业务实施监督管 理。第二章受理与调查Article 13 TheStateAdministrationforFinanceRegulationanditslocalofficesshallimplementsupervisionandadministrationoftheworkingcapitalloanbusinessaccordingtothe

18、law.ChapterIlAcceptanceandInvestigation第十四条流动资金贷款 申请应具备以下条件：Article 14 Anapplicationforaworkingcapitalloanshallmeetthefollowingconditions:（一）借款人依法经市场监督 管理部门或主管部门核准登 记；（二）借款用途明确、合法;(1) Aborrowerhasbeenregistereduponapprovalofthemarketregulatorydepartmentorcompetentdepartment.(2) Thepurposesoftheloana

19、reclearandlegal.（三）借款人经营合法、合 规；(3) Thebusinessoperationoftheborrowerislegalandcompliant.(4) Theborrowerhasacontinuousoperationcapacityandalegalsourceoffundsforrepayment.（四）借款人具有持续经营能 力，有合法的还款来源；（五）借款人信用状况良好;(6) Other conditions as set forth by the lender.（六）贷款人要求的其他条 件。(5) Theborrowerhasasoundcredit

20、standing.第十五条贷款人应对流 动资金贷款申请材料的方式和 具体内容提出要求，并要求借 款人恪守诚实守信原则，承诺 所提供材料真实、完整、有 效。Article 15 Alendershallputforwardrequirementsfortheformatandspecificcontentoftheapplicationmaterialsforaworkingcapitalloanandrequestaborrowertoscrupulouslyabidebytheprincipleofgoodfaithandtoundertaketheauthenticity,integrit

21、yandvalidityofthematerialsprovided.第十六条 贷款人应采取 现场与非现场相结合的形式履 行尽职调查，形成书面报告， 并对其内容的真实性、完整性 和有效性负责Article 16 Alendershallfulfillthedutiesofduediligenceinvestigationbycombiningon-siteandoff-sitemethods,formawrittenreportandberesponsiblefortheauthenticity,integrityandvalidityofthereport.为小微企业办理的流动资金贷 款，贷

22、款人通过非现场调查手 段可有效核实相关信息真实 性，并可据此对借款人作出风 险评价的，可简化或不再进行 现场调查。Foraworkingcapitalloanformicroandsmallenterprises,wherealendermayeffectivelyverifytheauthenticityofrelevantinformationbyoff-siteinvestigation,andmaymakeariskassessmentoftheborrowerbasedonit,on-siteinvestigationmaybesimplifiedornolongerbeconduc

23、ted.贷款人应根据自身风险管理能 力，按照小微企业流动资金贷 款的区域、行业、品种等，审 慎确定借款人可简化或不再进 行现场调查的贷款金额上限。Alendershall,accordingtoitsownriskmanagementabilityandaccordingtotheregion,industryandvarietyofworkingcapitalloansofmicroandsmallenterprises,prudentlydeterminetheloanamountlimitthattheborrowermaysimplifyornolongerconducton-site

24、investigation.尽职调查包括但不限于以下内 容：Theduediligenceinvestigationshallinclude,butnotbelimitedto:（一）借款人的组织架构、公 司治理、内部控制及法定代表 人和经营管理团队的资信等情 况；(1) Theorganizationalstructure,corporategovernanceandinternalcontroloftheborrower,thecreditstandingofthelegalrepresentativeandtheoperationandmanagementteamoftheborrowe

25、r,etc.（二）借款人的经营范围、核 心主业、生产经营、贷款期内 经营规划和重大投资计划等情 况；(2) Theborrowersscopeofbusiness,corebusiness,productionandbusinessoperation,operationplanandmajorinvestmentplanduringtheloanterm,etc.（三）借款人所在行业状况;(3) Thesituationsabouttheindustrywhichtheborrowerisengagedin.(4) The receivables, payables, inventory an

26、d other actual financial conditions of the borrower.（四）借款人的应收账款、应 付账款、存货等真实财务状 况；(5) The total working capital demand and current financing liabilities of the borrower.（五）借款人营运资金总需求 和现有融资性负债情况；(6) The affiliated parties to the borrower and the affiliated transactions.（六）借款人关联方及关联交 易等情况；(7) The speci

27、fic purpose of the loan and the capital occupation by the payee related to the loan purpose.（七）贷款具体用途及与贷款 用途相关的交易对象资金占用 等情况；(8) The source of funds for repayment, including（A）还款来源情况，包括经营产生的现金流、综合收益及 其他合法收入等；cashflow,consolidatedincomeandotherlegalincomefrombusinessoperation.（九）对有担保的流动资金贷 款，还需调查抵（质）押

28、物的 权属、价值和变现难易程度， 或保证人的保证资格和能力等 情况。(9)Forasecuredworkingcapitalloan,theownership,valueandcashabilityofthecollateral(pledge)orthequalificationandcapabilityoftheguarantor.第三章风险评价与审批Chapter III RiskEvaluationandExaminationandApproval第十七条贷款人应建立 完善的风险评价机制，落实具 体的责任部门和岗位，全面审 查流动资金贷款的风险因素。Article17Aloanersha

29、llestablishasoundriskassessmentmechanismandspecifytheresponsibledepartmentandpoststocomprehensivelyexaminetherisksinvolvedinworkingcapitalloans.第十八条 贷款人应建立 和完善内部评级制度，采用科 学合理的评级和授信方法，评 定客户信用等级，建立客户资 信记录。第十九条贷款人应根据 借款人经营规模、业务特征、 资金循环周期等要素测算其营 运资金需求（测算方法示例参 考附件），并合理确定贷款结 构，包括金额、期限、利率、 担保和还款方式等。Article1

30、8Alendershallestablishandimproveitsinternalratingsystemandadoptscientificandreasonableratingmethodsandcreditgrantingmethodstodeterminethecreditratingsofclientsandformclientscreditrecords.Article19Alendershallmeasuretheworkingcapitalneedsofaborroweraccordingtoitsbusinessscale,businesscharacteristics,

31、capitalcycleandotherfactors(refertotheAnnexforexampleofcalculationmethods),andreasonablydeterminetheloanstructure,includingamount,term,interestrate,guaranteeandrepaymentmethod.贷款人可根据实际需要，制定 针对不同类型借款人的测算方 法，并适时对方法进行评估及 调整。Alendermay,accordingtotheactualneeds,developmeasurementmethodsfordifferenttypes

32、ofborrowers,andevaluateandadjustthemethodsatappropriatetime.借款人为小微企业的，贷款人 可通过其他方式分析判断借款 人营运资金需求。Whereaborrowerisamicroandsmallenterprises,alendermayanalyzeanddeterminetheborrowersworkingcapitalneedsbyothermeans.第二十条贷款人应根据 贷审分离、分级审批的原则， 建立规范的流动资金贷款评审 制度和流程，确保风险评价和 信贷审批的独立性。Article20Alendershall,under

33、theprincipleofseparationbetweenthegrantingandexaminationofloansandtheprincipleofIevel-by-levelexaminationandapproval,developrulesandproceduresfortheexaminationandassessmentofworkingcapitalloansandguaranteetheindependenceofriskassessmentandloanexaminationandapproval.贷款人应建立健全内部审批授 权与转授权机制。审批人员应 在授权范围内

34、按规定流程审批 贷款，不得越权审批。Alendershallestablishandimprovethemechanismforinternalapprovalauthorizationandsub-authorization.Examinersshallexamineloanspursuanttotheprescribedprocedurewithinthescopeofauthority.Noexaminermayexamineandapproveloansbeyondtheapprovedscopeofauthority.第二十一条 贷款人为股 东等关联方办理流动资金贷款 的，应严格执行

35、关联交易管理 的相关监管规定，发放贷款条 件不得优于一般借款人，并在 风险评价报告中进行说明。Article21Wherealenderhandlesworkingcapitalloansforshareholdersandotheraffiliatedparties,itshallstrictlyimplementtherelevantregulatoryprovisionsonthemanagementofaffiliatedtransactions,theconditionsforgrantingloansshallnotbebetterthanthoseforordinaryborro

36、wers,anditshallbeexplainedintheriskassessmentreport.第四章合同签订Chapter IV ConclusionofContracts第二十二条贷款人应与 借款人及其他相关当事人签订 书面借款合同等相关协议，需 担保的应同时签订担保合同或Article22Alendershallconcludeawrittenloancontractandotherrelatedagreementswithaborrowerandotherrelevantparties,andconcludeaguaranteecontractorclause,ifnecess

37、ary.条款。Article23Alenderandaborrowershallexpresslystipulatetheamount,term,interestrate,purpose,payment,modeofrepaymentandotherclausesoftheworkingcapitalloanintheloancontract.第二十三条贷款人应在借款合同中与借款人明确约定流动资金贷款的金额、期限、利率、用途、支付、还款方式等条款。Forworkingcapitalloanswithatermofmorethanoneyear,onthebasisofconsultationb

38、etweenthelenderandtheborrower,theprincipalshallberepaidininstallmentsinprinciple,andtheamountofprincipalrepaymentforeachperiodshallbecarefullyagreedupon.对于期限超过一年的流动资金贷款，在借贷双方协商基础上，原则上实行本金分期偿还，并审慎约定每期还本金额。Article24Thepaymentclausesasmentionedintheprecedingarticleshallinclude,butnotbelimitedto:第二十四条前条

39、所指支付条款，包括但不限于以下内容：(1)Themodeofpaymentofloanfundsandtheamountofentrustedpaymentbyalender.（一）贷款资金的支付方式和贷款人受托支付的金额标准；(2)Thechangesinthemodeofpaymentandtheconditionstriggeringsuchchanges.（二）支付方式变更及触发变更条件；(3)Actsrestrictedorprohibitedinthepaymentofloanfunds.（三）贷款资金支付的限制、禁止行为；(4)Recordsandmaterialsaboutth

40、euseofloanfundsthatshallbeprovidedbytheborrowerinatimelymanner.（四）借款人应及时提供的贷款资金使用记录和资料。Article25Alendershallrequireaborrowertomakecommitmentsinthecontractonimportantcontentsrelatedtoaloan,includingbutnot第二十五条贷款人应要求借款人在合同中对与贷款相关的重要内容作出承诺，承诺limitedto:内容包括但不限于:（一）及时向贷款人提供真 实、完整、有效的材料；(2) Assisting a le

41、nder management, post-loan relevant inspections.in loan payment management and（二）配合贷款人进行贷款支 付管理、贷后管理及相关检 查；(3) Obtaining the consent of the lender before merger, division, and equity transfer, foreign investment, foreign guarantee, substantial increase in debt financing and other major matters that

42、may affect its solvency.（三）进行合并、分立、股权 转让，以及进行可能影响其偿 债能力的对外投资、对外提供 担保、实质性增加债务融资等 重大事项前征得贷款人同意；(4) Acknowledging that the lender has the right to recover the loan ahead of schedule according to the recovery progress of the borrowers capital.（四）贷款人有权根据借款人 资金回笼情况提前收回贷款；(5) Immediately notifying the lend

43、er of any big event which would produce any adverse impact on its solvency.（五）发生影响偿债能力的重 大不利事项时及时通知贷款 人。Article 26 A lender shall agree with a borrower in the contract that under any of the following circumstances a borrower shall be liable for breach of contract and that the lender may take such me

44、asures as early recovery of the loan, adjustment to the loan payment method, adjustment to the loan interest rate, collection of penalty interest, reduction of the credit line, and cease or suspension of loan granting, and be held accordingly liable.第二十六条贷款人应与 借款人在合同中约定，出现以 下情形之一时，借款人应承担 的违约责任，以及贷款人

45、可采 取的提前收回贷款、调整贷款 支付方式、调整贷款利率、收 取罚息、压降授信额度、停止 或中止贷款发放等措施，并追 究相应法律责任：(1) Failing to use the loan according to the（一）未按约定用途使用贷款(1) Providingauthentic,integratedandvalidmaterialsforthelenderinatimelymanner.的;purposesasstipulatedinthecontract.（二）未按约定方式进行贷款 资金支付的；(2) Failingtopayloanfundsinthemodestipulat

46、edinthecontract.（三）未遵守承诺事项的;(3) Failingtokeepthepromisesmadeinthecontract.（四）突破约定财务指标的;(4) Exceedingthestipulatedfinancialindicators.（五）发生重大交叉违约事件 的；(5) Occurrenceofanybigcrossbreachofcontract.（六）违反借款合同约定的其 他情形的。(6) Anyothercircumstancesinviolationoftheloancontract.第五章发放和支付ChapterVGrantingandPayment

47、第二十七条贷款人应设 立独立的责任部门或岗位，负 责流动资金贷款发放和支付审 核。Article27Alendershallsetupanindependentdepartmentorposttoberesponsibleforexaminingthegrantingandpaymentofworkingcapitalloans.第二十八条贷款人在发 放贷款前应确认借款人满足合 同约定的提款条件，并按照合 同约定通过贷款人受托支付或 借款人自主支付的方式对贷款 资金的支付进行管理与控制。 贷款人应健全贷款资金支付管 控体系，加强金融科技应用， 有效监督贷款资金按约定用途 使用。Article2

48、8Alendershall,beforegrantingaloan,makesurethataborrowerhasmettheconditionsforwithdrawalasstipulatedintheloancontract,andmanageandcontrolthepaymentofloanfundsbystipulatingthatshallbepaideitherbyentrustedpaymentbyalenderordiscretionarypaymentbyaborrower.Alendershallimprovetheloanfundpaymentcontrolsystem,strengthentheapplicationoffinancialtechnology,andeffectivelysupervisetheuseofloanfundsaccordingtotheagreedpurposes.贷款人受托