【中英文对照版】非银行金融机构行政许可事项实施办法.docx

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1、非银行金融机构行政许可事项 实施办法（2023年10月9日国家金融 监督管理总局令2023年第3号 公布自2023年11月10日起 施行）第一章总则第一条为规范国家金融 监督管理总局及其派出机构非 银行金融机构行政许可行为， 明确行政许可事项、条件、程 序和期限，保护申请人合法权非银行金融机构行政许可事项实施办法ImplementationMeasuresfortheAdministrativeLicensingItemsconcerningNon-BankingFinancialInstitutions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2023年第3号公布日期：2

2、023.10.09施行日期：2023.11.10效力位阶：部门规章法规类别：金融机构IssuingAuthority：NationalAdministrationOfFinancialRegulationDocumentNumber：OrderNo.32023oftheNationalAdministrationofFinancialRegulationDateIssued：10-09-2023EffectiveDate：11-10-20231.evelofAuthority：DepartmentalRulesAreaofLaw：FinancialInstitutionsImplementat

3、ionMeasuresfortheAdministrativeLicensingItemsconcerningNon-BankingFinancialInstitutions(IssuedbyOrderNo.32023oftheNationalAdministrationofFinancialRegulationonOctober9,2023,andcomingintoforceonNovember10,2023)ChapterIGeneralProvisionsArticle1TheseMeasuresaredevelopedinaccordancewiththeBankingSupervi

4、sionLawofthePeoplesRepublicofChina,theAdministrativeLicensingLawofthePeoplesRepublicofChina,otherapplicablelawsandadministrativeregulations,andtherelevantdecisionsoftheStateCounciltoregulatetheadministrativelicensingactivitiesoftheNationalAdministrationofFinancialRegulation(uNAFRn)anditslocaloffices

5、concerningnon-bankingfinancialinstitutions,definetheadministrativelicensingitems,conditions,procedures,andtimelimits,andprotectthelawfulrightsandinterestsofapplicants.Article2ForthepurposesoftheseMeasures,unon-bankingfinancialinstitutionsincludeinstitutionssuchasfinancialassetmanagementcompanies,ent

6、erprisegroupfinancecompanies,financialleasingcompanies,autofinancecompanies,currencybrokeragecompanies,consumerfinancecompanies,andrepresentativeofficesofoverseasnon-bankingfinancialinstitutionsinChinathatareformedwiththeapprovaloftheNAFR.Article3TheNAFRanditslocalofficesshallimplementadministrative

7、licensingfornonbankingfinancialinstitutionsinaccordancewiththerulesoftheNAFRontheimplementationproceduresforadministrativelicensingandtheseMeasures.益，根据中华人民共和国银 行业监督管理法中华人民 共和国行政许可法等法律、 行政法规及国务院有关决定， 制定本办法。第二条本办法所称非银 行金融机构包括：经国家金融 监督管理总局批准设立的金融 资产管理公司、企业集团财务 公司、金融租赁公司、汽车金 融公司、货币经纪公司、消费 金融公司、境外非银行金融机

8、 构驻华代表处等机构。第三条国家金融监督管 理总局及其派出机构依照国家 金融监督管理总局行政许可实 施程序相关规定和本办法，对 非银行金融机构实施行政许 可。第四条非银行金融机构 以下事项须经国家金融监督管 理总局及其派出机构行政许 可：机构设立，机构变更，机 构终止，调整业务范围和增加 业务品种，董事和高级管理人 员任职资格，以及法律、行政 法规规定和国务院决定的其他 行政许可事项。Article4Thefollowingitemsconcerningnonbankingfinancialinstitutionsshallbesubjecttoadministrativelicensingb

9、ytheNAFRanditslocaloffices:theformation,modification,andterminationofaninstitution,theadjustmentofbusinessscopeandincreaseofproducttypes,theofficequalificationsofdirectorsandofficers,andotheradministrativelicensingitemsprescribedbylawsandadministrativeregulationsanddecidedbytheStateCouncil.Theadmini

10、strativelicensingshallcovertheexaminationofcombatingmoneylaunderingandfinancingofterrorisminaccordancewiththerequirementsoftheMeasuresfortheAdministrationofCombatingMoneyLaunderingandFinancingofTerrorismbyBankingFinancialInstitutions,andthemattersfailingtomeettheconditionsshallbedisapproved.行政许可中应当按

11、照银行业金融机构反洗钱和反恐怖融资管理办法要求进行反洗钱和反恐怖融资审查，对不符合条件的，不予批准。Article5AnapplicantshallsubmitapplicationmaterialsinaccordancewiththeprovisionsonthecatalogueofapplicationmaterialsandformatrequirementsoftheNAFRfortheadministrativelicensingitems.第五条申请人应当按照国家金融监督管理总局行政许可事项申请材料目录及格式要求相关规定提交申请材料。ChapterIlFormationofIn

12、stitutions第二章机构设立Section1FormationofEnterpriseGroupFinanceCompanieswithaLegalPersonStatus第一节企业集团财务公司法人机构设立Article6Anenterprisegroupfinancecompanywithalegalpersonstatus(hereinafterreferredtoastheufinancecompany)tobeformedshallmeetthefollowingconditions:第六条设立企业集团财务公司（以下简称财务公司）法人机构应当具备以下条件：(1)Itsformat

13、ionisindeedrequiredforthecentralizedmanagementoftheenterprisegroupsfunds,anditwillreachacertainbusinessscaleuponreasonableforecasting.（一）确属集中管理企业集团资金的需要，经合理预测能够达到一定的业务规模；(2)IthasbylawsincompliancewiththeCompanyLawofthePeoplesRepublicofChinaandtherelevantrulesoftheNAFR.（二）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

14、司章程；(3)Itsinvestorsmeettheprescribedconditions.（三）有符合规定条件的出资人；（四）注册资本为一次性实缴 货币资本，最低限额为10亿元 人民币或等值的可自由兑换货 币；(4) Itsregisteredcapitalismonetarycapitalpaidupinalumpsumof,ataminimum,onebillionyuanoranequivalentinfreelyconvertiblecurrencies.（五）有符合任职资格条件的 董事、高级管理人员，并且在 风险管理、资金管理、信贷管 理、结算等关键岗位上至少各 有1名具有3年以

15、上相关金融 从业经验的人员；(5) Ithasdirectorsandofficerswhoarequalifiedtoholdofficeandatleastonepersonwiththreeormoreyearsofexperienceinthefinancialfieldonkeypositionssuchasriskmanagement,fundmanagement,creditmanagement,andsettlementrespectively.（六）财务公司从业人员中从 事金融或财务工作3年以上的 人员应当不低于总人数的三分 之二、5年以上的人员应当不 低于总人数的三分之一，

16、且至 少引进1名具有5年以上银行 业从业经验的高级管理人员；(6) Thenumberofemployeesofthefinancecompanywiththreeormoreyearsofexperienceinthefinancialoraccountingfieldaccountsfornotlessthantwothirdsofthetotalnumberofitsemployees,andthenumberofemployeeswithfiveormoreyearsofexperienceinthefinancialoraccountingfieldaccountsfornotles

17、sthanonethirdofthetotalnumberofitsemployees,andatleastoneofficerwithfiveormoreyearsofexperienceinthebankingindustryisretained.（七）建立了有效的公司治 理、内部控制和风险管理体 系；(7) Ithasestablishedeffectivecorporategovernance,internalcontrol,andriskmanagementsystems.（）建立了与业务经营和监 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

18、障信息系统有效安全运 行的技术与措施；(8) Ithasestablishedaninformationtechnologyframeworkcommensuratewithitsoperationsandsatisfyingtheregulatoryrequirements,hasnecessary,safe,andcompliantinformationsystemstosupportitsoperations,andhastechnologiesandmeasuresthatguaranteetheeffectiveandsafeoperationofinformationsystems

19、.（九）有与业务经营相适应的(9) Ithasbusinesspremises,safetyprotectionmeasures,andotherfacilitiescommensuratewithits operations.(10) Other prudential conditions as set forth in the rules of the NAFR.（十）国家金融监督管理总局 规章规定的其他审慎性条件。Article 7 The investors of a finance company shall mainly be the member entities of the

20、enterprise group as well as the investors which are not member entities but which have abundant第七条财务公司的出资 人主要应为企业集团成员单 位，也可包括成员单位以外的 具有丰富行业管理经验的投资industry management experiences. The ratio of shares held by a single investor and its affiliates (which are not member entities) shall not exceed 20% of

21、the share capital of a finance company.者，成员单位以外的单个投资 者及其关联方（非成员单位） 向财务公司投资入股比例不得 超过20%。Article 8 An enterprise group that applies for the formation of a finance company shall meet the following conditions:第八条申请设立财务公 司的企业集团，应当具备以下 条件：(1) It conforms to the industry policies of the state and has the c

22、ore business.（一）符合国家产业政策并拥 有核心主业。(2) It has two or more years of experience in the centralized internal financial and fund management of the enterprise group.（二）具备2年以上企业集团 内部财务和资金集中管理经 验。(3) Its total assets are not less than 30 billion yuan or an equivalent in freely convertible currencies, and its

23、 net assets are not less than 30% of its total assets at the end of the last accounting year. For the controlling shareholder of the finance company, its net assets at the end of the last accounting year are not less than 40% of its total assets.（三）最近1个会计年度末， 总资产不低于300亿元人民币 或等值的可自由兑换货币，净 资产不低于总资产的30

24、%；作 为财务公司控股股东的，最近 1个会计年度末净资产不低于 总资产的40%。营业场所、安全防范措施和其他设施；（四）财务状况良好，最近2 个会计年度营业收入总额每年 不低于200亿元人民币或等值 的可自由兑换货币，税前利润 总额每年不低于10亿元人民币 或等值的可自由兑换货币；作 为财务公司控股股东的，应最 近3个会计年度连续盈利。(4) Ithasagoodfinancialstatus,andthetotalamountofitsannualoperatingrevenuesinthelasttwoaccountingyearsisnotlessthan20billionyuanora

25、nequivalentinfreelyconvertiblecurrencies,andthetotalamountofitsannualprofitsbeforetaxisnotlessthanonebillionyuanoranequivalentinfreelyconvertiblecurrencies.Forthecontrollingshareholderofafinancecompany,ithasearnedprofitsinthelastthreeaccountingyearsconsecutively.（五）现金流量稳定并具有较 大规模，最近2个会计年度末 的货币资金余额不低

26、于50亿元 人民币或等值的可自由兑换货 币。（六）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）；作为财 务公司控股股东的，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。(5) Ithasstableandsubstantialcashflows,andthebalanceofmonetaryfundsattheendofthelasttwoaccountingyearsisnotlessthanfivebillionyuanoranequivalentinfreelyconvertiblecurrenc

27、ies.(6) Thebalanceofitsequityinvestmentshallgenerallynotexceed50%ofitsnetassets(includingtheamountofthecurrentinvestment).Forthecontrollingshareholderofafinancecompany,thebalanceofitsequityinvestmentshallgenerallynotexceed40%ofitsnetassets(includingtheamountofthecurrentinvestment),exceptfortheinvest

28、mentcompaniesandholdingcompaniesprescribedbytheStateCouncil.are inindeedfundfinance（七）正常经营的成员单位数 量不低于50家，确需通过财务 公司提供资金集中管理和服 务。(7) Notlessthan50memberentitiesnormaloperations,andtheyfinditnecessarytoprovidecentralizedmanagementandservicesthroughacompany.（A）母公司具有良好的公司 治理结构或有效的组织管理方 式，无不当关联交易。(8) Itsp

29、arentcompanyhasagoodcorporategovernancestructureoraneffectivemodeoforganizationalmanagement,andhasnoimproperaffiliatedtransactions.（九）母公司有良好的社会声 誉、诚信记录和纳税记录，最 近2年内无重大违法违规行 为。(9) Itsparentcompanyhasagoodsocialreputationandgoodcreditrecordsandtaxpaymentrecords,andhasnotcommittedanymajorviolationoflaws

30、andregulationsinthelasttwoyears.（十）母公司最近个会计年 度末的实收资本不低于50亿元 人民币或等值的可自由兑换货 币。(10) Thepaid-incapitalofitsparentcompanyattheendofthelastaccountingyearisnotlessthanfivebillionyuanoranequivalentinfreelyconvertiblecurrencies.（十一）母公司入股资金为自 有资金，不得以委托资金、债 务资金等非自有资金入股。(11) Itsparentcompanycontributesitsowncap

31、italforshares,andmaynotcontributecapitalnotownedbyit,suchasfundsheldasatrusteeanddebtfunds,forshares.(12) Other prudential conditions as set forth in the rules of the NAFR.（十二）国家金融监督管理总 局规章规定的其他审慎性条 件。Article 9 A member entity which is the investor of a finance company shall meet the following condi

32、tions:第九条成员单位作为财 务公司出资人，应当具备以下 条件：(1) It is formed in accordance with the law and has the legal person status.（一）依法设立，具有法人资 格。(2) The investment complies with the provisions of applicable laws and regulations of the state.（二）该项投资符合国家法律 法规规定。(3) It has a good corporate governance structure or an effe

33、ctive mode of organizational management.（三）具有良好的公司治理结 构或有效的组织管理方式。(4) It has a good social reputation and good credit records and tax payment records.（四）具有良好的社会声誉、诚信记录和纳税记录。(5)Itsoperationsandmanagementareingoodconditionandithasnotcommittedanymajorviolationoflawsandregulationsinthelasttwoyears.（五）经营

34、管理良好，最近2年无重大违法违规行为。(6)Ithasagoodfinancialstatus,withprofitsearnedinthelasttwoaccountingyearsconsecutively.Forthecontrollingshareholderofafinancecompany,ithasearnedprofitsinthelastthreeaccountingyearsconsecutively.（六）财务状况良好，最近2个会计年度连续盈利；作为财务公司控股股东的，最近3个会计年度连续盈利。(7)Itsnetassetsattheendofthelastaccount

35、ingyeararenotlessthan30%ofitstotalassets.Forthecontrollingshareholderofafinancecompany,itsnetassetsattheendofthelastaccountingyeararenotlessthan40%ofitstotalassets.（七）最近1个会计年度末净资产不低于总资产的30%；作为财务公司控股股东的，最近1个会计年度末净资产不低于总资产的40%O(8)Itcontributesitsowncapitalforshares,andmaynotcontributecapitalnotownedby

36、it5suchasfundsheldasatrusteeanddebtfunds,forshares.（）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。(9)Thebalanceofitsequityinvestmentshallgenerallynotexceed50%ofitsnetassets(includingtheamountofthecurrentinvestment).Forthecontrollingshareholderofafinancecompany,thebalanceofitsequityinvestmentshallgenerallynotexcee

37、d40%ofitsnetassets(includingtheamountofthecurrentinvestment),exceptfortheinvestmentcompaniesandholdingcompaniesprescribedbytheStateCouncil.（九）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）；作为财务公司控股股东的，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。(10)OtherprudentialconditionsassetforthintherulesoftheNAFR.（

38、十）国家金融监督管理总局规章规定的其他审慎性条件。Article10Aninvestorotherthanmemberentitiesthatistheinvestorofafinancecompanyshallbeadomesticoranoverseasfinancialinstitutionwithalegalpersonstatusandmeetthefollowingconditions:(1) Itisformedinaccordancewiththelawandhasthelegalpersonstatus.(2) Ithasthreeormoreyearsofexperienc

39、einthecentralizedmanagementoffunds.(3) Ithasagoodcreditstatusandhasnotreceivedanymajorpunishmentfromthedomesticoroverseasregulatoryagencyinthelasttwoyears.(4) Ithasagoodcorporategovernancestructure,aneffectiveinternalcontrolmechanism,andasoundriskmanagementsystem.第十条成员单位以外的投资者作为财务公司出资人，应为境内外法人金融机构，并

40、具备以下条件：（一）依法设立，具有法人资格；（二）有3年以上资金集中管理经验；（三）资信良好，最近2年未受到境内外监管机构的重大处罚；（四）具有良好的公司治理结构、内部控制机制和健全的风险管理体系；(5)Itsatisfiestheprudentialregulationrequirementsoftheregulatoryauthorityofthecountryorregionwhereitislocated.（五）满足所在国家或地区监管当局的审慎监管要求；(6)Ithasagoodfinancialstatus,withearnedinthelasttwoaccountingconsec

41、utively.profitsyears（六）财务状况良好，最近2个会计年度连续盈利；(7)Itcontributesitsowncapitalforshares,andmaynotcontributecapitalnotownedbyit,suchasfundsheldasatrusteeanddebtfunds,forshares.（七）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；(8)Thebalanceofitsequityinvestmentshallgenerallynotexceed50%ofitsnetassets（八）权益性投资余额原则上不得超过本企业净资产

42、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；（九）作为主要股东自取得股 权之日起5年内不得转让所持 有的股权，经国家金融监督管 理总局或其派出机构批准采取 风险处置措施、国家金融监督 管理总局或其派出机构责令转 让、涉及司法强制执行或者在 同一出资人控制的不同主体间 转让股权等特殊情形除外，并 在拟设公司章程中载明；（十）投资者为境外金融机构 的，其最近2年长期信用评级 为良好及以上，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；(11) Other prudential conditions as set forth in th

43、e rules of the NAFR.（十一）国家金融监督管理总 局规章规定的其他审慎性条 件。(includingtheamountofthecurrentinvestment),exceptfortheinvestmentcompaniesandholdingcompaniesprescribedbytheStateCouncil.(9) Asaprincipalshareholder,itshallnottransfertheequityheldbyitwithinfiveyearsfromthedateofequityacquisition,exceptspecialcircumst

44、anceswhereriskdisposalmeasuresaretakenwiththeapprovaloftheNAFRoritslocaloffice,theNAFRoritslocalofficeordersatransfer,judicialenforcementisinvolved,orequityistransferredbetweendifferententitiesunderthecontrolofthesameinvestor,whichshallbeindicatedinthebylawsofthecompanytobeformed.(10) Iftheinvestori

45、sanoverseasfinancialinstitution,itslong-termcreditratinghasbeen“good”oraboveinthelasttwoyears,andthefinancialregulatoryauthorityofthecountryorregionwhereitislocatedhasestablishedasoundsupervisionandadministrationcooperationmechanismwiththeNAFR.第十一条有以下情形之 一的企业不得作为财务公司的 出资人：(1) Its corporate governanc

46、e mechanism is evidently defective.structureor （一）公司治理结构与机制存 在明显缺陷；Article11Anenterprisewhichfallsunderanyofthefollowingcircumstancesmaynotbeaninvestorofafinancecompany:（二）股权关系不透明、不规 范，关联交易异常；(2) Ithasacomplicatedandnon-transparentequitystructureandabnormalaffiliatedtransactions.(3) Its core busines

47、s is not prominent and its business scope involves too many sectors.（三）核心主业不突出且其经 营范围涉及行业过多；(4) Its cash flow fluctuations are substantially affected by the economic climate.（四）现金流量波动受经济景 气影响较大；(5) Its liability-asset ratio or financial leverage ratio is higher than the average level of the industry.（五）资产负债率、财务杠杆 率高于行业平均水平；(6) It holds equity in the finance company on behalf of others.（六）代他人持有财务公司股 权；(7) It is listed as an object subject to joint sanctions for dishonesty by relevant departments.（七）被列为相关部门失信联 合惩戒对象；(8) It seriously evades bank debts due.（）存在严重逃废银行债务 行为；（九）提供虚假材料或者作不 实