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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-orientedprincipleofinterestrateandbedeterminedbythelenderandtheborrowerthroughconsultationincompliancewiththerelev