各区（县）人民政府、各在京融资性担保机构：
为加强对在京融资性担保公司监督管理，规范融资性担保行为，促进融资性担保行业健康发展，经北京市人民政府批准，现将《北京市融资性担保公司管理暂行办法》和《关于开展融资性担保公司规范工作的意见》印发你们，请遵照执行。
特此通知。
mobile365365
中国银行业监督管理委员会北京监管局
北京市发展和改革委员会
北京市经济和信息化委员会
北京市财政局
北京市商务委员会
中国人民银行营业管理部
北京市工商行政管理局
二〇一〇年十二月三十一日
北京市融资性担保公司管理暂行办法
第一章 总则
第一条 为加强对在京融资性担保公司的监督管理，规范融资性担保行为，促进融资性担保行业健康发展，根据《中华人民共和国公司法》、《中华人民共和国担保法》、《中华人民共和国合同法》、《融资性担保公司管理暂行办法》等规定，制定本办法。
第二条 本办法所称融资性担保是指担保人与银行业金融机构等债权人约定，当被担保人不履行对债权人负有的融资性债务时，由担保人依法承担合同约定担保责任的行为。
本办法所称融资性担保公司是指依法设立，经营融资性担保业务的有限责任公司、股份有限公司。
本办法所称再担保公司是指依法设立，为融资性担保公司所承担担保责任提供担保的有限责任公司、股份有限公司。
本办法所称市监管部门是指mobile365365，本办法所称区（县）监管部门是指各区（县）人民政府指定的管理部门。
第三条 融资性担保公司应当以安全性、流动性、收益性为经营原则，建立市场化运作的可持续审慎经营模式。
融资性担保公司与企业、银行业金融机构等客户的业务往来，应当遵循诚实守信的原则，遵守合同的约定。
第四条 融资性担保公司与再担保公司共同构成北京市融资性担保体系的主体。融资性担保公司、再担保公司依法开展业务，不受任何机关、单位和个人的干涉。
第五条 融资性担保公司开展业务，应当遵守法律、法规和本办法的规定，不得损害国家利益和社会公共利益。
融资性担保公司应当为客户保密，不得利用客户提供的信息从事任何与担保业务无关或有损客户利益的活动。
第六条 融资性担保公司开展业务应当遵守公平竞争的原则，不得从事不正当竞争。
第七条 建立北京市融资性担保业务监管部门联席会议制度。北京市融资性担保业务监管部门联席会议在融资性担保业务监管部际联席会议和北京市人民政府领导下，负责研究制订促进本市融资性担保业务发展的政策措施，拟订融资性担保业务监督管理制度，协调相关部门共同解决融资性担保业务监管中的重大问题，指导市监管部门对融资性担保业务进行监管和风险处置，办理融资性担保业务监管部际联席会议和北京市人民政府交办的其他事项。
北京市融资性担保业务监管部门联席会议由中国银行业监督管理委员会北京监管局、北京市发展和改革委员会、北京市经济和信息化委员会、北京市财政局、北京市商务委员会、中国人民银行营业管理部、北京市工商行政管理局、北京市人民政府法制办公室、mobile365365组成，mobile365365为牵头单位。
北京市融资性担保业务监管部门联席会议召集人由mobile365365局长担任，成员为各成员单位负责同志。联席会议办公室设在mobile365365，承担联席会议日常工作。联席会议设联络员，由联席会议成员单位有关处室的负责同志担任。各成员单位按照职责分工开展工作，主动研究融资性担保业务监管工作的有关问题，积极参加联席会议，认真落实联席会议布置的工作任务。
北京市融资性担保业务监管部门联席会议向融资性担保业务监管部际联席会议和北京市人民政府报告工作，重大事项须报请北京市人民政府批准。
第二章 设立、变更和终止
第八条 在北京市辖区内设立融资性担保公司及其分支机构，应当经市监管部门审查批准。
区（县）监管部门负责融资性担保公司及其分支机构设立申请的受理，并在受理后将全部申请材料报送市监管部门审查批准。
经批准设立的融资性担保公司及其分支机构，由市监管部门颁发经营许可证，并凭经营许可证向工商行政管理部门申请注册登记。融资性担保公司在完成工商登记后30日内，应按照《金融企业财务规则》向同级财政部门备案。
任何单位和个人未经市监管部门批准，不得经营融资性担保业务，不得在名称中使用“融资性担保”字样，法律、行政法规另有规定的除外。
第九条 设立融资性担保公司，应当具备下列条件：
（一）有符合《中华人民共和国公司法》规定的章程。
（二）有具备持续出资能力的股东。
（三）有符合本办法规定的注册资本。
（四）有符合任职资格的董事、监事、高级管理人员和合格的从业人员。
（五）有健全的组织机构、内部控制及风险管理制度。
（六）有符合要求的营业场所。
（七）市监管部门规定的其他条件。
董事、监事、高级管理人员和从业人员的资格管理办法遵照融资性担保业务监管部际联席会议制定的相关办法执行。
第十条 在京设立融资性担保公司，注册资本最低限额为人民币5000万元。
在京设立再担保公司，注册资本最低限额为人民币8亿元。
注册资本为实缴货币资本。
已在其他省市注册的融资性担保公司在北京市辖区内设立分支机构的，应当向拟设立的分支机构拨付不低于5000万元人民币的营运资金，并满足本市的相关监管要求。
在京融资性担保公司拨付给北京市辖区以外的各分支机构营运资金的总和，不得超过公司资本金总额的60%。剩余资本金应满足本市相关要求。
第十一条 设立融资性担保公司，应向所在区（县）监管部门提交下列文件：
（一）申请书。应当载明拟设立的融资性担保公司的名称、住所、注册地、注册资本和业务范围等事项。
（二）可行性研究报告。
（三）章程草案。
（四）股东名册及其出资额、股权结构。
（五）股东出资的验资证明以及持有注册资本5%以上股东的资信证明和有关资料。
（六）拟任董事、监事、高级管理人员的资格证明。
（七）经营发展战略和规划。
（八）营业场所证明材料。
（九）符合监管部门规范的中介机构出具的法律意见书。
（十）申请人出具的遵守本办法的承诺书。
（十一）市监管部门要求提交的其他材料。
区（县）监管部门负责申请的受理工作。受理后将全套申请材料报送至市监管部门。
市监管部门应在收到区（县）监管部门报送的全套材料后20日内，完成对拟设立融资性担保公司的审查，做出批准或不予批准的决定。市监管部门批准后，颁发经营许可证。
市监管部门依法需要聘请中介机构和专家进行评审的，所需时间不在本期限约束内，监管部门应将具体所需时间告知申请人。
第十二条 融资性担保公司有下列变更事项之一的，应当经市监管部门批准。
（一）变更名称。
（二）变更组织形式。
（三）变更注册资本。
（四）变更公司住所。
（五）调整业务范围。
（六）变更董事、监事、高级管理人员。
（七）变更持有5%以上股权的股东。
（八）分立或者合并。
（九）修改章程。
（十）市监管部门规定的其他变更事项。
融资性担保公司变更申请由区（县）监管部门负责受理，并将全套材料报市监管部门审查；再担保公司变更申请由市监管部门负责受理。
市监管部门应在收到全套变更申请材料后20日内，完成对拟变更融资性担保公司、再担保公司的审查，做出批准或不予批准的决定。
融资性担保公司变更事项涉及公司登记事项的，凭市监管部门批准文件向工商行政管理部门申请变更登记。
第十三条 在京依法设立的融资性担保公司拟在其他省（区、市）设立分支机构的，应满足以下条件：
（一）公司经营正常，符合各项监管指标要求。
（二）公司近两年内未发生担保诈骗、重大担保代偿损失或投资损失。
（三）公司董事、监事、高级管理人员近两年内未涉及严重违法、违规等重大事件。
（四）公司已设立两名以上的独立董事，以及首席风险官和首席合规官。
（五）市监管部门规定的其他条件。
在京依法设立的融资性担保公司拟在其他省（区、市）设立分支机构的，应向所在区（县）监管部门提交申请材料。区（县）监管部门受理后将全套申请材料报送市监管部门。
市监管部门应在收到全套申请材料后20日内，做出批准或不予批准的决定。
在其他省（区、市）依法设立的融资性担保公司拟在京设立分支机构的，除提交第十一条中所规定的材料外，须同时提交当地监管部门的批准文件。
第十四条 融资性担保公司因分立、合并或出现公司章程规定的解散事由需要解散的，应当向所在区（县）监管部门报送申请材料并经市监管部门审查批准，凭批准文件及时向工商行政管理部门申请注销登记。
第十五条 融资性担保公司有重大违法经营行为，严重危害市场秩序、损害公众利益的，经北京市融资性担保业务监管部门联席会议同意，由市监管部门撤销其经营许可证。法律、行政法规另有规定的除外。
第十六条 融资性担保公司解散或被撤销经营许可证的，应当依法成立清算组或融资性担保在保业务处置组，按照债务清偿计划及时偿还有关债务。区（县）和市监管部门在北京市融资性担保业务监管部门联席会议指导下督促其清算或处置过程。
融资性担保责任解除前，公司股东不得分配公司财产或从公司取得任何利益。
第十七条 融资性担保公司不能清偿到期债务，且资产不足以清偿全部债务的，经北京市融资性担保业务监管部门联席会议同意，应当依法实施破产。
融资性担保责任解除前，公司股东不得分配公司财产或从公司取得任何利益。
第三章 业务范围
第十八条 融资性担保公司经市监管部门批准，可以经营下列部分或全部融资性担保业务：
（一）贷款担保。
（二）票据承兑担保。
（三）贸易融资担保。
（四）项目融资担保。
（五）信用证担保。
（六） 其他融资性担保业务。
第十九条 融资性担保公司不得从事下列活动：
（一）吸收存款。
（二）发放贷款。
（三）受托发放贷款。
（四）受托投资。
（五）监管部门规定不得从事的其他活动。
融资性担保公司从事非法集资活动的，由市、区（县）监管部门依法予以查处。
第二十条 融资性担保公司经市监管部门批准，可以兼营下列部分或全部业务：
（一） 诉讼保全担保。
（二） 投标担保、预付款担保、工程履约担保、尾付款如约偿付担保等履约担保业务。
（三） 与担保业务有关的融资咨询、财务顾问等中介服务。
（四） 以自有资金进行投资。
（五） 监管部门批准的其他业务。
第二十一条 融资性担保公司经监管部门批准，可以开展再担保业务。开展再担保业务应符合以下条件：
（一） 公司经营正常，符合各项监管指标要求。
（二） 公司近两年无违法、违规不良记录，未发生担保诈骗、重大担保代偿损失或投资损失。
（三） 公司董事、监事、高级管理人员近两年内未涉及严重违法、违规等重大事件。
（四） 注册资本不低于人民币8亿元。
（五） 监管部门规定的其他审慎性条件。
第四章 经营规则和风险控制
第二十二条 融资性担保公司应当依法建立健全公司治理结构，完善议事规则、决策程序和内审制度，保持公司治理的有效性。
有条件的融资性担保公司应当设立独立董事、首席风险官、首席合规官等。首席合规官、首席风险官应当由取得符合市监管部门要求的相应资质，并具有融资性担保或金融从业技能与经验的人员担任。
第二十三条 融资性担保公司应当建立符合审慎经营原则的担保评估制度、决策程序、事后追偿和处置制度、风险预警机制和突发事件应急机制，并制定严格规范的业务操作规程，加强对担保项目的风险评估和管理。
第二十四条 融资性担保公司应当配备或聘请在经济、金融、法律、技术等方面具有相关资格的专业人才。
第二十五条 融资性担保公司应当按照金融企业财务规则、企业会计准则等要求，建立健全财务会计制度，真实记录和反映企业的财务状况、经营成果和现金流量。
第二十六条 融资性担保公司收取的担保费，可根据担保项目的风险程度，由融资性担保公司与被担保人自主协商确定，但不得违反国家有关规定。
第二十七条 融资性担保公司对单个被担保人提供的融资性担保责任余额不得超过其净资产的10％，对单个被担保人及其关联方提供的融资性担保责任余额不得超过其净资产的15％，对单个被担保人债券发行提供的担保责任余额不得超过其净资产的30％。
第二十八条 融资性担保公司的融资性担保责任余额不得超过其净资产的10倍。
对于引入再担保的融资性担保业务，担保责任余额按再担保承保比例核减后的担保责任余额计算。
第二十九条 融资性担保公司可以自有资金进行投资，仅限于国债、金融债券及大型企业债务融资工具等信用等级较高的固定收益类金融产品，以及不存在利益冲突且总额不高于其净资产20％的其他投资。
第三十条 融资性担保公司不得为其母公司或子公司提供融资性担保。
第三十一条 融资性担保公司应当按照当年担保费收入的50％提取未到期责任准备金，并按不低于当年年末担保责任余额1％的比例提取担保赔偿准备金。
对于引入再担保的融资性担保业务，担保赔偿准备金的提取应按比例核减再担保承保的担保责任余额后计算。
担保赔偿准备金累计达到当年担保责任余额10％的，实行差额提取。
市监管部门可以根据融资性担保公司责任风险状况和审慎监管的需要，经北京市融资性担保业务监管部门联席会议同意后，要求融资性担保公司调整担保赔偿准备金比例。
融资性担保公司应当对担保责任实行风险分类管理，准确计量担保责任风险。
第三十二条 融资性担保公司与债权人应当按照协商一致的原则建立业务关系，并在合同中明确约定承担担保责任的方式。
第三十三条 融资性担保公司办理融资性担保业务，应当与被担保人约定在担保期间可持续获得相关信息并有权对相关情况进行核实。
第三十四条 融资性担保公司与债权人应当建立担保期间被担保人相关信息的交换机制，加强对被担保人的信用辅导和监督，共同维护双方的合法权益。
第三十五条 融资性担保公司应当按照规定，将公司治理情况、财务会计报告、风险管理状况、资本金构成及运用情况、担保业务总体情况等信息告知相关债权人。
第五章 监督管理
第三十六条 市监管部门应当建立健全融资性担保公司信息资料收集、整理、统计分析制度和监管记分制度。区（县）监管部门对辖区内融资性担保公司经营及风险状况进行持续监测，于每年5月底前完成所监管融资性担保公司上一年度机构概览报告，并报送市监管部门。市监管部门于每年6月底前完成全市融资性担保公司上一年度机构概览报告，并报送融资性担保业务监管部际联席会议。
第三十七条 融资性担保公司应当主动接受市、区（县）监管部门的监督管理，按照规定向市、区（县）监管部门报送经营报告、财务会计报告、合法合规报告等文件和信息。
融资性担保公司向监管部门提交的各类文件和信息，应当真实、准确、完整，并依法承担责任。
第三十八条 融资性担保公司应当按季度向市、区（县）监管部门报告资本金运用情况。
市监管部门根据审慎监管的需要，经北京市融资性担保业务监管部门联席会议同意，可以要求融资性担保公司提高资本质量和资本充足率。
第三十九条 融资性担保公司应按照监管部门要求提供专项资料。
监管部门可根据监管需要与融资性担保公司董事、监事和高级管理人员进行监管谈话，要求就有关情况进行说明或进行必要的整改。
区（县）监管部门在监管谈话后，应向市监管部门报送谈话记录。市监管部门认为必要时可向债权人通报有关融资性担保公司的违规或风险情况。
第四十条 监管部门根据监管需要，可以对融资性担保公司进行现场检查。融资性担保公司应当予以配合，并按照监管部门的要求提供有关文件、信息。
现场检查时，检查人员不得少于2人，并向融资性担保公司出示现场检查通知书和检查证件。
第四十一条 融资性担保公司发生担保诈骗、担保代偿或投资损失金额可能达到其净资产5%以上的，以及董事、监事、高级管理人员涉及严重违法、违规等重大事件时，应当立即采取应急措施并向市、区（县）监管部门报告。
第四十二条 融资性担保公司应当及时向监管部门报告股东大会或股东会、董事会等会议的重要决议。
第四十三条 融资性担保公司应当聘请符合市监管部门规定的社会中介机构进行年度审计，并将审计报告及时报送区（县）监管部门。
第四十四条 市监管部门应当会同有关部门建立融资性担保行业突发事件的发现、报告和处置制度，制定融资性担保行业突发事件处置预案，明确处置机构及其职责、处置措施和处置程序，及时、有效地处置融资性担保行业突发事件。
第四十五条 市监管部门应当于每年年末全面分析评估本辖区融资性担保行业年度发展和监管情况，经北京市融资性担保业务监管部门联席会议同意后，于每年2月底前向融资性担保业务监管部际联席会议和北京市人民政府报告本辖区上一年度融资性担保行业发展情况和监管情况。
市监管部门应当及时向融资性担保业务监管部际联席会议和北京市人民政府报告本辖区融资性担保行业的重大风险事件和处置情况。
第四十六条 融资性担保行业应建立行业自律组织，履行自律、维权、服务等职责。
本市融资性担保行业自律组织在市监管部门的指导下开展工作。
第四十七条 征信管理部门将融资性担保公司的有关信息纳入征信管理体系，并为融资性担保公司查询相关信息提供服务。
第六章 法律责任
第四十八条 市、区（县）监管部门从事监督管理工作的人员有下列情形之一的，依法予以处理；构成犯罪的，依法移送司法机关：
（一）违反规定审批融资性担保公司的设立、变更、终止以及业务范围的。
（二）违反规定对融资性担保公司进行现场检查的。
（三）未依照规定报告重大风险事件和处置情况的。
（四）其他违反法律法规及本办法规定的行为。
第四十九条 融资性担保公司违反法律、法规及本办法规定，有关法律、法规有处罚规定的，依照规定给予处罚；构成犯罪的，依法移送司法机关。
第五十条 未经市监管部门审查批准，擅自经营融资性担保业务的，由有关部门依法予以取缔并处罚；擅自在名称中使用“融资性担保”字样的，由市监管部门责令改正，拒不改正的，依法予以取缔并处罚。
第七章 附 则
第五十一条 外商投资的融资性担保公司适用本办法，法律、行政法规另有规定的，依照其规定。
公司制以外的融资性担保机构从事融资性担保业务，参照本办法有关规定执行。
再担保公司的内部控制、风险管理、公司治理、董事、监事、高管人员的资格管理等参照本办法执行。
第五十二条 本办法施行前已经设立的融资性担保公司未达到本办法规定要求的，应于2011年3月31日前达到本办法规定要求。
第五十三条 本办法自公布之日起施行。
关于开展北京市融资性担保公司规范工作的意见
为贯彻落实中国银行业监督管理委员会等七部门发布的《融资性担保公司管理暂行办法》（2010年第3号令）和《北京市融资性担保公司管理暂行办法》（以下简称《暂行办法》），规范本市现有融资性担保公司担保行为，促进本市融资性担保行业健康发展，现提出如下意见：
一、指导思想
（一）分步推进，平稳过渡。在规范过程中，与在京金融管理部门、市相关部门密切配合，充分发挥担保业协会、在京银行业机构、中介机构的作用，规范和服务并重，争取担保公司的理解和配合，保持本市融资性担保行业的稳定，防范系统性风险。
（二）强化服务，促进发展。为融资性担保行业更好地发展，在坚持监管要求的同时，积极协调有关部门解决各担保公司在规范过程中面临的困难，支持和帮助融资性担保公司尽早达到监管要求。加强对问题突出、风险较大的融资性担保机构的监管和督促，支持信誉好、资本实力强、经营管理规范、风险管控水平高的融资性担保机构做强做优，逐步提高行业竞争力和服务中小企业的能力，促进行业的健康持续发展。
（三）公开透明，公平公正。公开审批流程、监管指标和审批结果，确保规范和监管工作的透明度。对各种所有制的融资性担保公司一视同仁，确保规范和监管工作的公平公正。
（四）分工负责，协同合作。充分发挥北京市融资性担保业务监管部门联席会议（以下简称联席会议）的作用，重大事项、重点问题等提交联席会议审议；整合各区（县）监管部门的力量，市、区两级分工负责、密切配合；发挥北京信用担保业协会的桥梁纽带作用，借助中介机构的专业能力，确保规范工作的高水平和高效率。
二、实施步骤
第一阶段：政策发布和宣传培训阶段。
经市政府批准同意并报融资性担保业务监管部际联席会议备案后，印发实施《暂行办法》。
针对区（县）监管部门和融资性担保公司，开展实施《暂行办法》的宣传和相关培训工作。
第二阶段：受理和规范阶段。
根据《暂行办法》规定，区（县）监管部门正式受理融资性担保公司申领经营许可证的申请。
市监管部门组织专业机构进行评估和审查：对运作规范、符合监管要求的融资性担保公司颁发经营许可证；对暂不符合监管要求的融资性担保公司提出整改要求，待融资性担保公司制定整改计划并承诺按计划整改后，颁发有效期较短的经营许可证。
第三阶段：督促整改阶段。
区（县）监管部门根据整改要求及融资性担保公司的整改计划，督促其整改工作。
第四阶段：整改验收阶段。
对于经整改达到监管要求的，换发经营许可证；对于经整改仍未达到监管要求的，暂停新业务的开展，继续进行整改。待达到整改要求后，发放经营许可证。经整改后，确实无法达到监管要求的，实施融资性担保业务的退出，引导和督促担保公司妥善处理未到期担保责任。
三、规范工作流程
（一）融资性担保机构提交申请。
拟开展融资性担保业务的担保公司应向所在区（县）的监管部门提交以下申请材料：
1．经营许可证申请（原件，加盖公章）。
2．经登记管理部门年检或年审合格的营业执照（或事业法人登记证书）（原件、复印件）。
3．其他部门的相关批准文件（复印件）。
4．近两年财务审计报告（原件，须经中介机构出具意见书）。
5．公司章程。
6．人民银行企业信用信息基础数据库中的信用记录报告。
7．机构经营情况统计表（加盖公章）。
8．自查报告。
9．相关人员任职资格的申请。
10．北京市融资性担保机构拟任董事、监事、高级管理人员情况表。
11．确认所提供材料均属实的律师函（由律师事务所出具）。
申报材料及表格一律采用A4纸张，统一左侧装订，一式两份，并加盖公章。
（二）区（县）监管部门受理。
区（县）监管部门应在收到符合要求的全套申请材料后向申请人出具受理通知书。
（三）中介机构和专家组审核。
在收到区（县）监管部门报送的审批材料后，市监管部门聘请会计师事务所、律师事务所等专业中介机构和专家组对担保公司提供的材料进行评估，开展尽职调查，形成评估意见书。
（四）市监管部门审批。
市监管部门根据中介机构的审核意见书进行审批。
对于审查合格的担保公司，由市监管部门发放经营许可证；对于尚未达到监管要求的担保公司，出具整改意见书，抄送其所在区（县）监管部门，并要求其出具在规定时间内达到监管要求的承诺书。担保公司拟定整改计划并签署整改承诺书后，发放有效期为1年的经营许可证。
（五）区（县）监管部门督促整改和日常监管。
区（县）监管部门在日常监管中，定期专项检查尚未达到监管要求的担保公司整改情况。
整改后达到监管要求的，换发有效期为5年的经营许可证；经整改后仍未达到监管要求的，暂停其融资性担保新业务的开展，并向金融机构提示风险。
（六）对确实难以达到监管要求的担保公司实行融资性担保业务退出。
经整改后确实无法达到监管要求的融资性担保机构，坚决实施融资性担保业务退出，撤销其经营许可证。
Notice on Printing and Distributing the Interim Measures for the Administration of Beijing Financing Guarantee Companies and Opinions on the Standardization Work of Financing Guarantee Companies
People's governments of districts (counties) and financing guarantee institutions in Beijing:
For the purpose of strengthening the regulation of financing guarantee companies, regulating financing guarantee actions and promoting the sound development of the financing guarantee sector, with the approval of the Beijing Municipal People's Government, the Interim Measures for the Administration of Beijing Financing Guarantee Companies and Opinions on Developing Standardization of Financing Guarantee Companies are printed and issued to you. Please comply with them.
Beijing Municipal Bureau of Financial Work
Beijing Office of China Banking Regulatory Commission
Beijing Municipal Development and Reform Commission
Beijing Municipal Commission of Economy and Information Technology
Beijing Municipal Bureau of Finance
Beijing Municipal Commission of Commerce
Business Management Department of the People's Bank of China
Beijing Municipal Bureau of Industry and Commerce Administration
December 31, 2010
Interim Measures for the Administration of Beijing Financing Guarantee Companies
Chapter 1 General Provisions
Article 1 The measures herein are formulated in accordance with the Company Law of the People’s Republic of China, the Guarantee Law of the People’s Republic of China, the Contract Law of the People’s Republic of China and Interim Measures for the Administration of Financing Guarantee Companies for the purpose of strengthening the regulation of financing guarantee companies, regulating financing guarantee actions and promoting the sound development of the financing guarantee sector.
Article 2 The financing guarantee herein refers to the actions by which the guarantor enters into a contract with creditors including banking financial institutions, stating that it/he will assume the liabilities as agreed in the contract when the guaranteed party fails to fulfill its/his obligations to the creditors.
The financing guarantee company herein refers to the limited liability company and the joint stock limited company that is duly established and engages in financing guarantee business.
The re-guarantee company herein refers to the limited liability company and the joint stock limited company that is duly established and provides guarantees for guarantee responsibilities of financing guarantee companies.
The regulatory agency herein refers to the department determined by the People’s governments of provinces, autonomous regions or the municipalities directly under the Central Government responsible for regulating the financing guarantee companies within its jurisdiction.
Article 3 Financing guarantee companies shall establish the market-oriented sustainable prudent operation model in the operating principles of safety, liquidity and profitability.
Financing guarantee companies shall follow the principles of good faith and honesty and abide by what is agreed in their contracts in their businesses with enterprises, banking financial institutions and other clients.
Article 4 The financing guarantee company and the re-guarantee company together constitute the main body of the Beijing financing guarantee system. Financing guarantee companies may conduct their businesses according to law free from intervention of any agency, unit and individual.
Article 5 Financing guarantee companies shall observe laws, regulations and the provisions herein and may not jeopardize the state interests and the public interests when conducting their businesses.
Financing guarantee companies shall discharge confidentiality obligation for their clients and may not use any of the information provided by their clients to undertake any activity irrelevant with the guarantee business or harmful to the interests of the clients.
Article 6 Financing guarantee companies shall follow the principle of fair competition and shall not conduct any unfair competition.
Article 7 Article 7 Establish a system of joint meeting of Beijing financing guarantee business supervision departments. Under the Interdepartmental Joint Conference for Regulation of Financing Guarantee Business and the Beijing Municipal People's Government, the joint meeting of Beijing financing guarantee business supervision departments is responsible for researching and formulating policies and measures to promote the development of the city's financing guarantee business, formulating the financing guarantee business supervision and management system, coordinating relevant departments to jointly solve the major problems in financing guarantee business supervision, guiding municipal supervisory authorities in the supervision and risk management of financing guarantee business, and handling other matters assigned by the joint conference system for the financing guarantee business supervision department and the Beijing Municipal People's Government.
The joint meeting of Beijing financing guarantee business supervision departments is composed of Beijing Office of China Banking Regulatory Commission, Beijing Municipal Development and Reform Commission, Beijing Municipal Commission of Economy and Information Technology, Beijing Municipal Bureau of Finance, Beijing Municipal Commission of Commerce, Business Management Department of the People's Bank of China, Beijing Municipal Bureau of Industry and Commerce Administration, Office of Legislative Affairs of Beijing Municipal People's Government and Beijing Municipal Bureau of Financial Work, in which the Beijing Municipal Bureau of Financial Work is the lead agency.
The convener of the joint meeting of Beijing financing guarantee business supervision departments is served by the director of the Beijing Municipal Bureau of Financial Work. The members are the responsible comrades of each member unit. The joint meeting office is located in Beijing Municipal Bureau of Financial Work and assumes the daily work of the joint meeting. There is a liaison officer in the joint meeting, served by the responsible comrades in the relevant departments of the joint meeting member units. All member units work in accordance with the division of responsibilities, take the initiative to study issues related to the supervision of the financing guarantee business, actively participate in the joint meeting, and conscientiously implement the tasks assigned by the joint meeting.
The joint meeting of Beijing financing guarantee business supervision departments shall report to the Interdepartmental Joint Conference for Regulation of Financing Guarantee Business and the Beijing Municipal People's Government. Significant matters must be reported to the Beijing Municipal People's Government for approval.
Chapter 2 Establishment, Alteration and Termination
Article 8 The establishment of a financing guarantee company and its branches is subject to the examination and approval of the regulatory agency.
The district (county) regulatory agency is responsible for the acceptance of applications for the establishment of financing guarantee companies and their branches, and submits all application materials to the city's regulatory agency for review and approval after acceptance.
The financing guarantee company and its branches established upon approval shall obtain the business licenses issued by the regulatory agency and apply to the administration for industry and commerce for registration on the strength of the licenses. The financing guarantee company shall, within 30 days after completing the industrial and commercial registration, file with the financial department at the same level in accordance with the Financial Rules for Financial Enterprises.
Any unit or individual without approval of the regulatory agency shall not engage in financing guarantee businesses and use the characters of “financing guarantee” in its name, except as otherwise provided in laws and regulations.
Article 9 The following conditions shall be satisfied to establish a financing guarantee company:
(1) Having the articles of associations in compliance with the Company Law of the People’s Republic of China;
(2) Having shareholders with the capability of sustainable capital contribution;
(3) Having the registered capital in compliance with the provisions herein;
(4) Having qualified directors, supervisors, officers and practitioners;
(5) Having sound institutional structure, internal control and risk management systems;
(6) Having business places as required; and
(7) Other prudent requirements as provided by the regulatory agency.
The measures for the administration of the qualifications of directors, supervisors, officers and practitioners shall be formulated by the Interdepartmental Joint Conference for Regulation of Financing Guarantee Business separately.
Article 10 The regulatory agency shall fix the minimum amount of the registered capital of a financing guarantee company according to local reality, which shall not be less than RMB 50 million.
The minimum registered capital of a re-guarantee company in Beijing shall not be less than RMB 800 million.
The registered capital shall be the paid-in capital in cash.
If a financial guarantee company registered in other provinces and cities establishes a branch within the jurisdiction of Beijing, it shall allocate a working capital of no less than 50 million yuan to the branch to be established and meet relevant regulatory requirements of the city.
The sum of the working capital allocated by Beijing financing guarantee companies to the branches outside the jurisdiction of Beijing shall not exceed 60% of the total capital of the company. The remaining capital shall meet the relevant requirements of the city.
Article 11 The following documents and materials shall be submitted to the regulatory agency to establish a financing guarantee company:
(1) An application, stating the name, domicile, registered capital and business scope of the financing guarantee company to be established;
(2) A feasibility research report;
(3) The draft articles of association;
(4) The name list of shareholders and their contributed capital and the equity structure;
(5) The verification reports of capital contributions by shareholders and the certificates of credit standing and the relevant materials of the shareholders who holds more than 5% of the registered capital;
(6) The qualification certificates of directors, supervisors and officers to be appointed;
(7) The business development strategy and plans;
(8) The certificates of business places;
(9) Legal opinions issued by intermediary agencies that meet the requirements of the regulatory agency;
(10) A letter of commitment issued by the applicant for compliance with the present Measures; and
(11) Other documents and materials required by the regulatory agency.
The district (county) regulatory agency is responsible for the acceptance of application. After acceptance, the full set of application materials shall be submitted to the regulatory agency.
The regulatory agency shall complete the review of the proposed financing guarantee company and make a decision of approval or disapproval within 20 days after receiving the full set of materials submitted by the supervisory department of the district (county). After the approval of the regulatory agency, a business license will be issued.
If the regulatory agency needs to employ intermediary agencies and experts to conduct assessments in accordance with the law, the required time is not within the time limit, and the regulatory agency shall inform the applicant of the specific time required.
Article 12 The alteration of any of the following items by a financing guarantee company shall be subject to the examination and approval of the regulatory agency:
(1) Alteration of name;
(2) Alteration of institutional structure;
(3) Alteration of registered capital;
(4) Alteration of domicile;
(5) Adjustment of business scope;
(6) Alteration of any director, supervisor and officer;
(7) Alteration of any shareholder holding more than 5% of the registered capital;
(8) Division or merger;
(9) Amendment of the articles of association; or
(10) Other alteration items provided by the regulatory agency.
The application for the alteration of financing guarantee company shall be handled by the district (county) regulatory agency, and the full set of materials shall be reported to the regulatory agency for review; The application for the alteration of re-guarantee company shall be handled by the regulatory agency.
The regulatory agency shall, within 20 days after receiving the complete set of change application materials, complete the review of the proposed change of the financing guarantee company and the re-guarantee company, and make a decision of approval or disapproval.
When any of the alteration items involves company registration items, the financing guarantee company shall, after examination and approval of the regulatory agency, apply to the administration for industry and commerce for alteration of registration.
Article 13 If a financing guarantee company legally established in Beijing plans to set up branches in other provinces (autonomous regions or municipalities), it shall meet the following conditions:
(1) The company operates normally and meets the requirements of various regulatory indicators.
(2) There was no guarantee fraud, major guarantee compensation loss or investment loss in the past two years.
(3) The company’s directors, supervisors and senior management personnel have not involved serious incidents such as serious violation of laws or regulations in the past two years.
(4) The company has set up more than two independent directors, as well as chief risk officer and chief compliance officer.
(5) Other conditions stipulated by the regulatory agency.
If a financing guarantee company legally established in Beijing plans to set up branches in other provinces (autonomous regions and municipalities), it shall submit application materials to the regulatory agency of the district (county) where it is located. After acceptance, the full set of application materials shall be submitted to the regulatory agency.
The regulatory agency shall make a decision of approval or disapproval within 20 days after receiving the full set of application materials.
If a financing guarantee company legally established in other provinces (autonomous regions or municipalities) intends to establish a branch in Beijing, in addition to the materials specified in Article XI, it shall also submit the approval documents of the local regulatory agency.
Article 14 Where a financing guarantee company intends to dissolve due to division, merger or any dissolution issue as stipulated in its articles of association, it shall obtain the approval of the regulatory agency and go through the cancellation registration with the administration for industry and commerce with the approval documents in a timely manner.
Article 15 Where a financing guarantee company conducts any material illegal operation and may bring great harms to the market order and the public interests if it is not cancelled, the regulatory agency shall cancel the company, except as otherwise provided in laws and administrative regulations.
Article 16 Where a financing guarantee company is to be dissolved or cancelled, it shall set up a liquidation group and pay off the relevant debts according to the debt liquidation plan in a timely manner. The regulatory agency of the district (county) and city shall supervise over the liquidation or disposal process under the guidance of the joint meeting of Beijing financing guarantee business supervision departments.
Before the release of financing guarantee responsibilities, the company’s shareholders shall not distribute company assets or obtain any benefits from the company.
Article 17 A financing guarantee company which fails to pay off its due debts and does not have sufficient property to pay off all of its debts or obviously does not have the liquidation capability shall go bankruptcy according to law with the approval of the joint meeting of Beijing financing guarantee business supervision departments.
Before the release of financing guarantee responsibilities, the company’s shareholders shall not distribute company assets or obtain any benefits from the company.
Chapter 3 Business Scope
Article 18 Upon approval of the regulatory agency, financing guarantee companies may operate the following financing guarantee business, wholly or partially:
(1) Loan guarantee;
(2) Guarantee of acceptance of bills;
(3) Trade financing guarantee;
(4) Project financing guarantee;
(5) Guarantee of letter of credit; and
(6) Other financing guarantee businesses.
Article 19 Financing guarantee companies shall not engage in the following activities:
(1) Acceptance of deposits;
(2) Granting of loans;
(3) Entrusted granting of loans;
(4) Entrusted investment; and
(5) Other activities as provided by the regulatory agency.
If a financing guarantee company engages in any illegal fund-raising activity, it shall be investigated and punished by the municipal or district (county) regulatory agency according to law.
Article 20 Upon approval of the regulatory agency, financing guarantee companies may concurrently operate the following businesses, wholly or partially:
(1) Procedural preservation guarantee;
(2) Tender guarantee, advance payment guarantee, project performance guarantee, guarantee of payment of the remaining price of a project, and other guarantees of performance of agreements;
(3) Financing consulting, financial consulting and other intermediary services related to the guarantee business;
(4) Investment with its own capital; and
(5) Other businesses approved by the regulatory agency.
Article 21 A financing guarantee company may provide there-guarantee business with the approval of the regulatory agency, but the following conditions shall be satisfied meanwhile:
(1) The company operates normally and meets the requirements of various regulatory indicators.
(2) There were no any illegal or illegal records, and there was no guarantee fraud, major guarantee compensation loss or investment loss in the past two years.
(3) The company’s directors, supervisors and senior management personnel have not involved serious incidents such as serious violation of laws or regulations in the past two years.
(4) The registered capital shall not be less than RMB 800 million.
(5) Other prudent conditions as provided by the regulatory agency.
Chapter 4 Operation Rules and Risk Control
Article 22 A financing guarantee company shall establish a sound corporate governance structure and improve its discussion rules, decision-making procedures and internal approval systems to maintain the effectiveness of corporate governance.
Qualified financing guarantee companies shall set up independent directors, Chief Risk Officer, Chief Compliance Officer and so on. The position of Chief Compliance Officer and the Chief Risk Officer shall held by individuals who have obtained the corresponding qualifications required by the municipal regulatory agency and have skills and experience in financing guarantees or finance.
Article 23 A financing guarantee company shall establish the guarantee assessment system, decision-making procedures, the follow-up recovery and disposal system, the risk early-warning system and the emergency response system consistent with the prudent operation principle, and formulate strict and standard business operation procedures to strengthen efforts on risk assessment and management of guarantee projects.
Article 24 A financing guarantee company shall have or employ professionals with the relevant qualifications in economics, finance, law and technology.
Article 25 A financing guarantee company shall set up a sound financial accounting system in accordance with the requirements of the financial rules for financial enterprises and the accounting standards for business, truly recording and reflecting the financial status, operation results and cash flows of the company.
Article 26 The guarantee charges collected by a financing guarantee company may be agreed by the financing guarantee company and the guaranteed party through independent negotiation, but no provision of the state may be violated.
Article 27 The financing guarantee liability balance to an individual guaranteed party by a financing guarantee company shall not exceed 10% of its net assets; that to an individual guaranteed party and its affiliated party shall not exceed 15% of the net assets; and that to the bond issuance by an individual guaranteed party shall not exceed 30% of the net assets.
Article 28 The financing guarantee liability balance of a financing guarantee company shall not exceed the amount of 10 times of its net assets
For the financing guarantee business that introduces re-guarantee, the balance of the guarantee liability shall be the balance of the guarantee liability after the re-guarantee underwriting ratio is reduced.
Article 29 The investment of a financing guarantee company with its own capital shall be limited to the fixed-earning financial products with relatively high credit ratings including treasury bonds, financial bonds and debt financing instruments of large enterprises and other investments without interest conflict and with the total amount less than 20% of its net assets.
Article 30 A financing guarantee company shall not provide financing guarantee to its parent company or subsidiaries.
Article 31 A financing guarantee company shall draw the amount equal to 50% of its guarantee income of the year as its undue liability reserve and the amount no less than 1% of the balance of the year-end guarantee liability in the same year as the guarantee compensation reserve.
For the financing guarantee business that introduces re-guarantee, the withdrawal of the guarantee compensation provision shall be calculated after pro rata reduction of the balance of the guarantee responsibilities of the re-guarantee.
If the accumulated guarantee compensation reserve reaches 10% of the balance of the guarantee liability of the year, the difference shall be recognized as a provision.
The regulatory agency may improve the requirements on the percentage of the guarantee compensation reserve according to the liability risk conditions of the financing guarantee company and the prudent regulation requirements.
A financing guarantee company shall conduct risk classification management of its guarantee liabilities and accurately measure its guarantee liability risks.
Article 32 A financing guarantee company and its creditors shall establish the business relationship in the principle of unanimous negotiation and make clear the means of assumption of guarantee liabilities in their contracts.
Article 33 When handling financing guarantee business, a financing guarantee company shall make agreement with the guaranteed party that it is entitled to continuously obtain the relevant information and verify the relevant situation during the guarantee period.
Article 34 A financing guarantee company and its creditor shall establish the mechanism for exchange of the relevant information related to the guaranteed party during the guarantee period and enhance efforts on assistance and supervision of the credit of the guaranteed party so as to safeguard both parties’ legitimate rights and interests.
Article 35 A financing guarantee company shall inform the relevant creditors of the corporate governance, financial accounting reports, risk management conditions, capital composition and use and the general situation of guarantee business in accordance with the provisions of the regulatory agency.
Chapter 5 Supervision and Administration
Article 36 The municipal regulatory agency shall establish sound systems of collection, collation and statistical analysis of the information of the financing guarantee company. The regulatory agency of the district (county) shall carry out ongoing monitoring of the operation and risk conditions of the company within its jurisdiction, and complete the previous-year overview reports of the financing guarantee companies and submit the report to the municipal regulatory agency by the end of May every year. The municipal regulatory agency complete the previous-year overview reports of the financing guarantee companies in the whole city and submit the report to the Interdepartmental Joint Conference for Regulation of Financing Guarantee Business by the end of June every year.
Article 37 A financing guarantee company shall take the initiative to accept the supervision and management of the municipal and district (county) regulatory authorities, and submit its operation reports, financial accounting statements, legal compliance reports and other documents and materials to the regulatory authorities according to the regulation.
The documents and materials submitted to the regulatory agency by the financing guarantee company shall be true, accurate and complete.
Article 38 Financing guarantee companies shall report to the regulatory agency the use of capital on a quarterly basis.
The regulatory agency shall give the requirements on the capital quality and capital adequacy ratio of a financing guarantee company in a timely manner with the approval of the joint meeting of Beijing financing guarantee business supervision departments according to the principle of prudent regulation.
Article 39 The regulatory agency has the right to require a financing guarantee company provide special materials, make an appointment to meet with its directors, supervisors and officers, and require it to make an explanation or make necessary ratification according to regulatory requirements.
The regulatory agency of the district (county) shall submit the record of the conversation to the municipal regulatory agency after the regulatory conversation. The municipal regulatory agency may, if it deems it necessary, inform the creditors of the violation or risk situation of the financing guarantee company.
Article 40 The regulatory agency may conduct on-site inspection of a financing guarantee company according to regulatory requirements, and the financing guarantee company shall give assistance and provide the relevant documents and materials as required.
When conducting on-site inspection, inspectors shall be no less than two and produce the notice of inspection and the relevant certificates to the financing guarantee company.
Article 41 When a guarantee fraud or a guarantee compensation or investment loss of the potential amount exceeding 5% of its net assets incurred to a financing guarantee company, or any of its director, supervisor or officer involves in any serious illegal and irregular issue, the company shall immediately take emergency actions and report to the regulatory agency.
Article 42 Financing guarantee companies shall report to the regulatory agency the material decisions of the general meeting of shareholders or meetings of shareholders and the board.
Article 43 Financing guarantee companies shall invite social intermediaries to conduct annual auditing and timely submit the auditing reports to the regulatory agency.
Article 44 The regulatory agency together with the relevant departments shall establish the system of discovery, report and disposal of emergencies in the financing guarantee sector, work out the emergency response plans for the financing guarantee sector, clarify the disposal agencies and functions thereof and disposing measures and procedures, and timely and effectively handle emergencies in the sector.
Article 45 The regulatory agency shall conduct a full analysis and assessment of the annual development of the financing guarantee sector under its jurisdiction as well as regulation situations by the end of the year, and report the development of the financing guarantee sector under its jurisdiction as well as regulation situations of the previous year to the Interdepartmental Joint Conference for Regulation of Financing Guarantee Business and the Beijing Municipal People's Government with the approval of the Interdepartmental Joint Conference for Regulation of Financing Guarantee Business by the end of February every year.
The regulatory agency shall timely report to the Interdepartmental Joint Conference for Regulation of Financing Guarantee Business and the Beijing Municipal People's Government any material risk event in the financing guarantee sector under its jurisdiction as well as disposals.
Article 46 The financing guarantee industry shall establish a self-disciplinary organization to perform functions of self-discipline, safeguarding of rights and provision of service.
The self-disciplinary organization of the financing guarantee industry in the city shall work under the guidance of the municipal regulatory agency.
Article 47 The credit administration shall incorporate the relevant information of financing guarantee companies into the credit management system and provide information inquiry services to financing guarantee companies.
Chapter 6 Legal Liabilities
Article 48 If any of the staff members of the regulatory agency for supervision and administration is in any of the following circumstances, administrative punishments shall be imposed; and if a crime is constituted, his/her criminal liabilities shall be prosecuted:
(1) Where he/she gives approval for the establishment, alteration, termination and business scope of a financing guarantee company in violation of provisions;
(2) Where he/she conducts on-site inspection of a financing guarantee company in violation of provisions;
(3) Where he/she fails to report any material risk event and disposal thereof in accordance with the provisions; or
(4) Other actions in violation of laws, regulations and provisions herein.
Article 49 If a financing guarantee company violates any law, regulation and provision and there are provisions on punishment prescribed in the relevant laws and regulations, punishment shall be imposed according to the provisions. If the relevant laws and regulations do not contain any provision on punishment, the regulatory agency shall order it to make correction and may impose punishment as warning and penalties; and if a crime is constituted, the company’s criminal liabilities shall be prosecuted.
Article 50 If a financing guarantee company operates any financing guarantee business without the approval of the municipal regulatory agency, the relevant department shall close down the company and give it punishments. If a financing guarantee company uses the characters of “financing guarantee” in its name without approval, the regulatory agency shall order it to make correction and give it punishment according to law.
Chapter 7 Supplementary Provisions
Article 51 The measures herein apply to foreign-invested financing guarantee companies, except as otherwise provided in laws and administrative regulations.
The financing guarantee agencies outside the corporate system engaged in financing guarantee services shall comply with the relevant provisions of these Measures.
The re-guarantee company's internal control; risk management; corporate governance; qualification management of directors, supervisors and senior management personnel, etc. shall comply with the relevant provisions of these Measures.
Article 52 If any financing guarantee company that has been established before implementation of the measures herein does not conform to the provisions herein, it shall satisfy the requirements as prescribed herein before Mar.31, 2011.
Article 53 The measures herein shall enter into force as of the date of promulgation.
Opinions on the Standardization Work of Beijing Financing Guarantee Companies
To implement the Interim Measures for the Administration of Financing Guarantee Companies (Decree No. 3 of 2010) and the Interim Measures for the Administration of Beijing Financing Guarantee Companies (hereinafter referred to as “Interim Measures”) issued by seven departments such as the China Banking Regulatory Commission, standardize the guarantee behavior of the existing financing guarantee companies in this city and promote the healthy development of the financing guarantee industry in this city, the following opinions are now proposed:
1. Guiding ideology
(1) Advance step by step to realize a smooth transition. In the standardization process, closely cooperate with financial management departments and relevant departments in Beijing to give full play to the role of the guarantee industry associations, banking institutions and intermediaries in Beijing, pay equal attention to standardization and service, strive for the understanding and cooperation of the guarantee company, maintain the stability of the city's financing guarantee industry and prevent systemic risks.
(2) Strengthen services and promote development. For better development of the financing guarantee industry, while adhering to regulatory requirements, it is necessary to actively coordinate the relevant departments to resolve the difficulties faced by the various guarantee companies in the standardization process, and support and assist the financing guarantee companies to meet regulatory requirements as soon as possible. Strengthen the regulation and supervision on financial guarantee agencies with outstanding problems and high risks; support financial guarantee institutions with good reputation, strong capital strength, standardized operation and management, and high level of risk control to become stronger and better; gradually improve the competitiveness of the industry and the ability to serve SMEs; and promote the healthy and sustainable development of the industry.
(3) Be open, transparent and fair. Open the approval process, regulatory indicators and approval results to ensure transparency in regulatory and supervision work. Treat the financing guarantee companies in a variety of ownership equally without discrimination, to ensure the fair and equitable regulation and supervision.
(4) Perform division of individual responsibility and collaboration. Give full play to the role of the Interdepartmental Joint Conference for Regulation of Beijing Financing Guarantee (hereinafter referred to as the Joint Conference), and submit major issues and key issues to the Joint Conference for deliberation; integrate the power of the regulatory agencies in each district (county), carry out the labor division with individual responsibility and close cooperation at the municipal and district levels; and give play to the role of the bridge link of the Beijing Credit Guarantee Industry Association and use the professional capabilities of intermediaries to ensure the high quality and high efficiency of standardization work.
2. Implementation steps
The first stage: Policy release and promotion training stage.
After being approved by the municipal government and reported to the Interdepartmental Joint Conference for Regulation of Financing Guarantee for record, the Interim Measures is issued and implemented.
The propaganda and related training of Interim Measures shall be performed on the district (county) regulatory agencies and financing guarantee companies.
The second stage: Acceptance and standardization stage.
According to the Interim Measures, the district (county) regulatory agencies formally accept applications of financial guarantee companies for business licenses.
The municipal regulatory agency organizes professional institutions to conduct assessments and examinations: issue business licenses to financing guarantee companies that are in standardized operation and comply with regulatory requirements; and put forward rectification requirements for financing guarantee companies that do not meet regulatory requirements temporarily, and issue a business license with a shorter term of validity after financing guarantee companies have formulated a rectification plan and promised to rectify it as planned.
The third stage: Stage of supervising and urging the rectification.
The district/county regulatory agency supervises and urges the rectification work according to the rectification requirements and the rectification plan of the financing guarantee company.
The fourth stage: Rectification acceptance stage.
A new business license will be issued to the company that has met regulatory requirements after rectification. The company that fails to meet regulatory requirements after rectification shall suspend the development of new business and continue to carry out rectification. After the rectification requirements are met, a business license will be issued. If the company is unable to meet the regulatory requirements after the rectification, it is necessary to perform the withdrawal of the financing guarantee business and guide and supervise the guarantee company to properly handle the unexpired guarantee obligation.
3. Standardize the work process
(1) The financing guarantee institution submits the application.
The guarantee company that plans to carry out financing guarantee business shall submit the following application materials to the regulatory agency of the district (county):
1. Business license application (original with official seal).
2. The business license (or legal entity registration certificate) that has passed the annual inspection or annual review of the registration management department (original and copy).
3. Other departments' approval documents (copy).
4. The financial audit report of the past two years (original, subject to the submission of opinions by the intermediary agency).
5. The company's articles of incorporation.
6. The credit record report in the basic database of corporate credit information of the People's Bank of China.
7. Statistical tables of company operations (with official seal).
8. Self-inspection report.
9. Application for qualifications of related personnel.
10. The table of proposed directors, supervisors and senior management personnel of Beijing financing guarantee agency.
11. The lawyer's letter confirming that the materials provided are true (provided by a law firm).
The application materials and forms shall be in A4 paper, unified left-side binding, in duplicate, and affixed with an official seal.
(2) Acceptance of district (county) regulatory agency.
The district (county) regulatory agency shall issue a notification of acceptance to the applicant after receiving the full set of application materials that meet the requirements.
(3) Examination by intermediary agencies and expert groups.
After receiving the approval materials submitted by the district (county) regulatory agency, the municipal regulatory agency shall hire professional intermediary agencies such as accounting firms and law firms and expert groups to evaluate the materials provided by the guarantee company, carry out due diligence, and form the evaluation opinions.
(4) Approval of municipal regulatory agency.
The municipal regulatory agency shall examine the application based on the approval opinion of the intermediary agency.
The municipal regulatory agency shall issue a business license to the guarantee company that has passed a review; The municipal regulatory agency shall issue a rectification statement to the guarantee company that has not yet met the regulatory requirements, send a copy of the rectification statement to the regulatory agency of the district (county), and request the company to issue a commitment letter promising that it will meet the regulatory requirements within the specified time. After the guarantee company has formulated a rectification plan and signed a rectification commitment letter, the regulatory agency will issue a business license with a validity period of one year to the guarantee company.
(e) The district (county) regulatory agency supervises the rectification and daily supervision.
In the daily supervision, the district (county) regulatory agency regularly checks the rectification of the guarantee company that has not yet met the regulatory requirements.
A new business license with the period of validity of 5 years will be issued to the company that has met regulatory requirements after rectification. For the company that fails to meet regulatory requirements after rectification, it is necessary to suspend the development of new financing guarantee business and prompt risk to financial institutions.
(6) The withdrawal of financing guarantee business shall be performed on the guarantee company that does not meet regulatory requirements.
For the financing guarantee institutions that are unable to meet the regulatory requirements after the rectification, the regulatory agency shall resolutely implement the withdrawal of the financing guarantee business and cancel their business licenses.