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loaner是什么意思
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loaner是什么意思 loaner在线翻译 loaner什么意思 loaner的意思 loaner的翻译 loaner的解释 loaner的发音 loaner的同义词 loaner的反义词 loaner的例句
loaner英 ['l??n?]　美 ['lo?n?]　loaner 基本解释名词债权人，代替品loaner 网络解释1. 债权人：loanedflat 免息借券 | loanee 债务人 | loaner 债权人2. 借出者,债权人：planer 刨工 | loaner 借出者,债权人 | larcener 盗窃者,贼3. 借出者：loanee 债务人 | loaner 借出者 | loaner 债权人4. 贷出者[债权人]：怠工 labour slowdown | 贷出者[债权人] loaner | 贷方分录 credit entryloaner 双语例句1. The theoretical model of financial fragility and exchange rate regime concludes that the combination of flexible exchange rate regime and final loaner can avoid the banking crisis. Finally, we suggest that RMB exchange rate still has not got the conditions to be full floated, since the economic shock is mainly from monetary shock in China, moreover the negative correlation between monetary shock and real shock is not prominent.&&&&本文最终得出政策建议：由于我国面临的经济冲击以货币冲击为主，我国的货币冲击与实际冲击负相关性不显著，人民币汇率制度不具备完全自由浮动的条件；又由于我国政府非常有动力提高产出水平，人民币应采取固定汇率制度，并且比较现实的选择还是钉住美元的汇率制度。2. The perception is that these sales are an opportunity to buy a piano from a university loaner program that is virtually new, in excellent condition and available at a substantial saving over the dealer`s best everyday prices.&&&&这种认识是，这种销售是通过一个高校贷款计划获得一个机会来购买钢琴，而且这些钢琴很新，状态相当不错，并且可以得到一个相当优惠的价格。3. Article 34 If the contract stipulates a special account for the repayment provision and if it is necessary, the loaner shall, under the relevant stipulations, put forward requirements in respect of the proportion of the incoming cash flow of the fixed asset investment project or of the borrower, which shall enter into the said account, and the average deposit amount in the account.&&&&第三十四条合同约定专门还款准备金账户的，贷款人应按约定根据需要对固定资产投资项目或借款人的收入现金流进入该账户的比例和账户内的资金平均存量提出要求。4. Target, purpose, amount, term and interest rate of the loan shallbe determined by the loaner, with lower interest rate (0.2%- 0.3%, evenno interest) and longer term (10-40 years with 2-15 years of graceperiod).&&&&该类贷款的对象、用途、金额、期限、利率等均由贷款人决定，通常带有一定优惠，如利率较低（一般在0.2％－0.3％，有的甚至为无息），期限较长（一般在10－40年间，并含有2－15年宽限期）。5. 5. Article 4 To carry out the fixed asset loan business, a loaner shall follow the principles of lawfulness and compliance, prudent business operation, equality and voluntariness, and fairness and good faith.&&&&第四条 贷款人开展固定资产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。6. loaner的反义词6. Article 24 A loaner shall manage and control the payment of loan fund in the manner of payment by the loaner upon authorization or in the manner of payment by the borrower itself.&&&&第二十四条贷款人应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。7. Public credit agencies can reduce this information asymmetric through providing individual loanee`s credit history to the loaner.&&&&在成本相对收缩和最优边界相对扩张基础上，商业银行形成了无边界扩张的独特竞争优势。8. A few tips for you before signing the contract:1 If you plan to stay in Macao for just half year, you have to claim for an extra provision. Because the general lease in Macao is on a one-year basis. Such claim could avoid the possible troubles on the validity of lease.2 Check out every property in the room to see if there are any damaged items. Sign the contract only when you make out the conditions of everything. If you find any damaged items, tell the loaner, or ask him/her for a repair.3 Pay the rent via your account at the be otherwise you may have to pay for the default.4 The fee for agency generally equals to your rent for a single month. If yours is a half-year lease, you could ask for a 50% discount.&&&&签订合同的时候，通常需要注意下面几点：第一，如果你只是在澳门交还半年，必须在合同最后添加附加条款，通常如不注明的话，房租期是一年的，如果不注明，怕是到退租时会引起纠纷；第二，一定要检查好房间里的电器设备是否正常，家具有没有损坏，检查好了再签字，如果有损坏，一定要在合同里注明，或者让房东修理好；第三，押金通常为两个月，每个月初一定要通过银行账户把房租按时汇入房东账户，否则可能会有罚金；第四，房屋中介费通常为一个月，如果你只是租半年，可以和中介商谈是否可以减半。9. 911查询·英语单词9. Article 25 A single loan fund payment exceeding 5% of the total investment for the project or 5 million yuan shall be made by the loaner upon authorization.&&&&第二十五条单笔金额超过项目总投资5%或超过500万元人民币的贷款资金支付，应采用贷款人受托支付方式。10. Article 26 In the case of payment by the loaner upon authorization, the loaner shall, prior to the granting of the loan fund, examine whether the relevant transaction materials conform to the conditions as stipulated in the contract.&&&&第二十六条采用贷款人受托支付的，贷款人应在贷款资金发放前审核借款人相关交易资料是否符合合同约定条件。11. loaner的翻译11. Accounting information is the ultimate product of accounting system, affecting the investment of the investor, the credit of the loaner, the supervision of the government, the corporations'economy value and society value, the corporation manager performance evaluation.&&&&&&会计信息作为会计系统的最终产品，影响着投资者的投资决策，债权人的信贷决策，政府对微观企业的监管决策、对企业经济价值与社会价值的评价、对企业经营管理者的绩效评价等。12. loaner12. By studying the task of law controlling quoted company's assuring act, this text aims to probe into how to build a relatively perfect and safe jurisprudence from benefit parts such as loaner, warrantor, warrantee and so on.&&&&&&本文试想通过研究上市公司对外担保风险的法律控制这一课题，探讨应当如何从债权人、担保人、被担保人等相关利益主体上构建一个相对完善的担保安全保障法律体系。13. This will be helpful in overcomes information non-asymmetrical between the loaner and the financial organ, so as to Increase to the capability of taking advantage of international capital market.&&&&&&这将有助于克服借款方与金融机构间的信息不对称。增加对国际资本市场的利用。14. By analysis of the risks possibly faced by the loaner in the ship mortgage financing of the single-vessel company, new methods are designed to reduce such risks.&&&&&&作者通过对单船子公司以所有船舶抵押融资模式中贷款人可能面临的风险的分析，设计了一些贷款人可采取的降低风险的措施。15. Fig4.While I always act as the generous loaner for the single status.&&&&&&而我永远是她们借钱的主力，谁让我是单身呢！16. The key point differentiating Warehouse list loan from else loan mortgage is store corporation as credit intermediary between bank of loaner and company of borrower.&&&&&&仓单质押贷款区别与其他贷款业务的关键在于，发贷银行和贷款企业之间存在仓储公司作为双方的信用中介。17. Credit risk is the loss possibility suffered by the financial institution, the investor and the other sides in fiance because the loaner, bond publisher or one side in the fiance dose not perform the agreement.&&&&&&信用风险是指借款人、债券发行人或金融交易一方由于各种原因不能履约致使金融机构、投资人或交易对方遭受损失的可能性。18. The securities registry institution shall issue to the loaner the written certification on the registration of stock pledge.&&&&&&证券登记机构应向贷款人出具股票质押登记书面证明。19. 19. Travelers to China often tote disposable cellphones and loaner laptops stripped of sensitive data.&&&&&&到中国出差的商人经常使用一次性的手机和携带删除敏感数据的电脑。20. 911查询·英语单词20. During the period of pledge, without the consent of the loaner, the deposit bank may not accept the report of loss filed by the depositor.&&&&&&质押期间，未经贷款人同意，存款行不得受理存款人提出的挂失申请。loaner 单语例句1. PICC customers can choose an option that provides loaner vehicles when insured vehicles are being repaired for a cumulative total of 60 days per year.2. The loaner car hit a sport utility vehicle and burst into flames.3. They are loans to borrowers who are having trouble repaying them, which can threaten the financial health of the loaner.4. Hyundai also offers free loaner cars to use while maintenance is underway.loaner 英英释义noun1. a car that is lent as a replacement for one that is under repair2. someone who lends money or gives credit in business matters&&&&Synonym: loaner是什么意思,loaner在线翻译,loaner什么意思,loaner的意思,loaner的翻译,loaner的解释,loaner的发音,loaner的同义词,loaner的反义词,loaner的例句,loaner的相关词组,loaner意思是什么,loaner怎么翻译,单词loaner是什么意思常用英语教材考试英语单词大全 (7本教材)
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911查询大全 微信公众号微信扫一扫关注《流动资金贷款管理暂行办法》翻译
流动资金贷款管理暂行办法
Interim Measures for the Administration of
Working Capital Loans
第一章 总则
Chapter I General Provisions
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》等有关法律法规，制定本办法。
Article 1& In order to standardize
the working capital loan business operations of banking financial
institutions, strengthen the prudential operation and management of
working capital loans and promote the sound development of working
capital loan business, these measures are formulated according to
the PRC Banking Supervision and Administration Law, the
PRC Commercial Banking Law and other relevant laws and
regulations.
第二条中华人民共和国境内经中国银行业监督管理委员会批准设立的银行业金融机构（以下简称贷款人）经营流动资金贷款业务，应遵守本办法。
Article 2& Where banking financial
institutions established in the PRC upon CBRC approval (the
"lender") operate the working capital loan business, these measures
shall apply.
第三条本办法所称流动资金贷款，是指贷款人向企（事）业法人或国家规定可以作为借款人的其他组织发放的用于借款人日常生产经营周转的本外币贷款。
Article 3& For purposes of these
measures, working capital loans refer to RMB and foreign currency
loans granted by the lender to legal-person enterprises/public
institutions or other organizations qualified as a borrower
according to state regulations for their daily production and
operation needs.
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。
Article 4& The lender shall follow
the principles of compliance with laws and regulations, prudential
operation, equality and voluntariness, fairness and good faith when
carrying out the working capital loan business.
第五条贷款人应完善内部控制机制，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。
Article 5& The lender shall
improve its internal control mechanism, exercise whole-process loan
management, obtain comprehensive client information, establish a
risk management system of working capital loans and an effective
position check and balance mechanism, specify the loan management
responsibilities of each specific department and position, and
establish evaluation and responsibility systems for each
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资金贷款。
Article 6& The lender shall
reasonably estimate the working capital demand of the borrower and
prudentially determine the borrower's working capital lines of
credit and the limit of each specific loan, and may not grant
working capital loans in excess of the borrower’s actual
demand.
贷款人应根据借款人生产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，以满足借款人生产经营的资金需求，实现对贷款资金回笼的有效控制。
The lender shall, according to the production and
operation scale and cycle of the borrower, reasonably determine the
type and term of working capital loans so as to meet the borrower’s
capital demand for production and operation and exert effective
control over the&collection of loan capital.
第七条贷款人应将流动资金贷款纳入对借款人及其所在集团客户的统一授信管理，并按区域、行业、贷款品种等维度建立风险限额管理制度。
Article 7& The lender shall
include working capital loans into the overall lines of credit
granted to the borrower and the group client the borrower belongs
to, and shall establish a risk limit management system by region,
industry, type of loans, etc.
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。
Article 8& The lender shall,
according to the economic operations, industry development rules
and the the borrow's effective credit demand, reasonably determine
its internal performance evaluation targets, and may not set any
unreasonable credit scale targets, engage in excessive competition
or rush to grant loans.
第九条 贷款人应与借款人约定明确、合法的贷款用途。
Article 9& The lender and the
borrower shall stipulate definite and lawful purposes of the
流动资金贷款不得用于固定资产、股权等投资，不得用于国家禁止生产、经营的领域和用途。
Working capital loans may not be used for
investments in fixed assets or equity or for sectors and purposes
where production or operation is prohibited by the state.
流动资金贷款不得挪用，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。
Working capital loans may not be misappropriated.
&The lender shall check and monitor the use of
working capital loans according to the loan contract.
第十条 中国银行业监督管理委员会依照本办法对流动资金贷款业务实施监督管理。
Article 10& CBRC shall supervise
and administer the working capital loan business according to these
第二章 受理与调查
Chapter II Acceptance and Investigation
第十一条 流动资金贷款申请应具备以下条件：
Article 11& The application for
working capital loans shall meet the following conditions:
（一）借款人依法设立；
(1) the borrow is duly
&&&&&&&&&&&&&
（二）借款用途明确、合法；
(2) the purposes of the loans are definite and
（三）借款人生产经营合法、合规；
(3) the production and operation of the borrower is
in compliance with
（四）借款人具有持续经营能力，有合法的还款来源；
(4) the borrow has sustainable operation capacity
and lawful sources of
（五）借款人信用状况良好，无重大不良信用记录；
(5) the borrower has a good credit standing and has
no record of and
（六）贷款人要求的其他条件。
(6) other conditions required by the lender.
第十二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 12& The lender shall set
forth requirements on the form and content of the application
materials for working capital loans and request the borrower to
strictly abide by the principle of good faith and to undertake that
the materials submitted by it are authentic, complete and
第十三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。尽职调查包括但不限于以下内容：
Article 13& The lender shall
conduct due diligence by both on-site and off-site means, work out
a written report and be responsible for the authenticity,
completeness and validity thereof. &The due
diligence shall cover but is not limited to:
（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) the organizational structure, corporate
governance and internal control of the borrower, the credit
standing of the legal representative and the operation and
management team of the borrower, 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) the scope of business, core business, and
production and operation of the borrower, the operation plans and
major investment plans of the borrower during the loan term,
（三）借款人所在行业状况；
(3) the industry the
（四）借款人的应收账款、应付账款、存货等真实财务状况；
(4) the receivables, payables, inventory and other
actual financial conditions of the borrower, etc.;
（五）借款人营运资金总需求和现有融资性负债情况；
(5) the total working capital demand and the
current financing liabili
（六）借款人关联方及关联交易等情况；
(6) the related parties of the borrower and the
related-party transactions, etc.;
（七）贷款具体用途及与贷款用途相关的交易对手资金占用等情况；
(7) the specific purposes of the loans and the use
of funds by the borrower’s counterparts related to the purposes of
the loans, etc.;
（八）还款来源情况，包括生产经营产生的现金流、综合收益及其他合法收入等；
(8) the sources of funds for repayment, including
the cash flow, consolidated income and other lawful income derived
from production and operation, etc.; and
（九）对有担保的流动资金贷款，还需调查抵（质）押物的权属、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) with respect to secured working capital loans,
the title, value and cashability of the collateral or the
qualification and capability of the guarantor, etc.
第三章 风险评价与审批
Chapter III Risk Assessment and Credit Approval
第十四条 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。
Article 14&&The
lender shall establish a sound risk assessment mechanism, specify
the responsible departments and positions and examine the
comprehensive risk profile of working capital loans.
第十五条 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。
Article 15 &The lender shall
establish and improve its internal rating system and adopt
scientific and reasonable rating and credit methods to determine
clients’ credit ratings and maintain clients’ credit records.
第十六条贷款人应根据借款人经营规模、业务特征及应收账款、存货、应付账款、资金循环周期等要素测算其营运资金需求（测算方法参考附件），综合考虑借款人现金流、负债、还款能力、担保等因素，合理确定贷款结构，包括金额、期限、利率、担保和还款方式等。
Article 16& The lender shall,
according to the operation scale, business features, receivables,
inventory, payables, capital cycle and other factors of the
borrower, estimate its working capital needs (please see
appendix for estimation methods) and
shall,&taking into overall consideration the cash
flow, liabilities, repayment capability,&guarantee
and collateral&conditions and other factors of the
borrower, reasonably determine the loan structure, including the
amount, term, interest rate,&guarantee and
collateral&requirement and repayment method.
第十七条 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。
Article 17& The lender shall, in
the principle of separation between the granting and approval of
loans and the principle of level-by-level approval, establish
standardized system and process for the examination and assessment
of working capital loans and ensure the independence of risk
assessment and credit approval.
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按规定流程审批贷款，不得越权审批。
The lender shall establish and improve its internal
credit approval authority and authority delegation mechanism.
&Examiners shall examine loans according to the
specified process within the scope of authority and may not examine
loans beyond authority.
第四章 合同签订
Chapter IV Conclusion of Contracts
第十八条 贷款人应和借款人及其他相关当事人签订书面借款合同及其他相关协议，需担保的应同时签订担保合同。
Article 18&&The
lender shall conclude a written loan contract and other related
agreements with the borrower and other related parties, and a
contract on guarantee or collateral shall be concluded if
necessary.
第十九条 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。
Article 19&&The
lender and the borrower shall expressly stipulate in the loan
contract provisions on the amount, term, interest rate, purposes,
payment, repayment method and other issues of the working capital
loans.
第二十条 前条所指支付条款，包括但不限于以下内容：
Article 20&&The
provisions on payment as mentioned in the preceding Article shall
include but is not limited to:
（一）贷款资金的支付方式和贷款人受托支付的金额标准；
(1) the payment method of loan capital and the
amount threshold for entrusted p
（二）支付方式变更及触发变更条件；
(2) change of payment method and conditions
tr
（三）贷款资金支付的限制、禁止行为；
(3) restricted or prohibited acts for the payment of loan
and
（四）借款人应及时提供的贷款资金使用记录和资料。
(4) records and materials for the use of loan
capital to be provided by the borrower in time.
第二十一条 贷款人应在借款合同中约定由借款人承诺以下事项：
Article 21&&The
lender shall stipulate in the loan contract that the borrower shall
undertake to:
（一）向贷款人提供真实、完整、有效的材料；
(1) provide authentic, complete and valid materials
（二）配合贷款人进行贷款支付管理、贷后管理及相关检查；
(2) cooperate with the lender in loan payment
management, post-loan management and 
（三）进行对外投资、实质性增加债务融资，以及进行合并、分立、股权转让等重大事项前征得贷款人同意；
(3) obtain the lender’s prior consent for making
investments, substantive increase of debt financing, merger, split,
equity transfer or a
（四）贷款人有权根据借款人资金回笼情况提前收回贷款；
(4) the lender has the right to accelerate the
maturity of the loans according to
the&collection&status of the
borrower’ and
（五）发生影响偿债能力的重大不利事项时及时通知贷款人。
(5) promptly notify the lender of any material
adverse event that may affect its repayment capability.
第二十二条 贷款人应与借款人在借款合同中约定，出现以下情形之一时，借款人应承担的违约责任和贷款人可采取的措施：
Article 22&&The
lender and the borrower shall stipulate in the loan contract the
borrower’s liabilities for breach of contract the measures
available to the lender under any of the following
circumstances:
（一）未按约定用途使用贷款的；
(1) failure to use the
（二）未按约定方式进行贷款资金支付的；
(2) failure to pay loan capital in t
（三）未遵守承诺事项的；
(3) failure to comply w
（四）突破约定财务指标的；
(4) exceeding the stipulat
（五）发生重大交叉违约事件的；
(5) occurrence of any ma or
（六）违反借款合同约定的其他情形的。
(6) other circumstances in violation of the loan contract.
第五章 发放和支付
Chapter V Granting and Payment
第二十三条 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。
Article 23&The lender shall
establish an independent department or position to be responsible
for the examination of the granting and payment of working capital
loans.
第二十四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，监督贷款资金按约定用途使用。
Article 24&&The
lender shall, before granting a loan, make sure that the borrower
has satisfied the conditions for drawdown as stipulated in the loan
contract, manage and control the payment of loan capital via
entrusted payment by the lender or direct payment by the borrower
as stipulated in the loan contract, and monitor the use of loan
capital as stipulated.
贷款人受托支付是指贷款人根据借款人的提款申请和支付委托，将贷款通过借款人账户支付给符合合同约定用途的借款人交易对象。
Entrusted payment by the lender means that the
lender, according to the borrower’s drawdown application and
payment instruction, pays the loan capital, through the borrower’s
account, to the counterpart of the borrower consistent with the
purposes stipulated in the loan contract.
借款人自主支付是指贷款人根据借款人的提款申请将贷款资金发放至借款人账户后，由借款人自主支付给符合合同约定用途的借款人交易对象。
Direct payment by the borrower means that, after
the lender releases loan capital to the borrower's account
according to the borrower's drawdown application, the borrower
directly pays such loan capital to its counterpart consistent with
the purposes stipulated in the loan contract.
第二十五条贷款人应根据借款人的行业特征、经营规模、管理水平、信用状况等因素和贷款业务品种，合理约定贷款资金支付方式及贷款人受托支付的金额标准。
Article 25&&The
lender shall, according to the industry features, operation scale,
management level and credit standing of the borrower and the type
of the loan business, reasonably determine the payment method of
loan capital and the amount threshold for entrusted payment by the
第二十六条 具有以下情形之一的流动资金贷款，原则上应采用贷款人受托支付方式：
Article 26& Working capital loans
under any of the following circumstances shall be in principle paid
via entrusted payment by the lender:
（一）与借款人新建立信贷业务关系且借款人信用状况一般；
(1) the credit relationship with the borrower is newly
established and the borrower has an ave
（二）支付对象明确且单笔支付金额较大；
(2) the payment receiver is definite and the amount of a single
payment or
（三）贷款人认定的其他情形。
(3) other circumstances determined by the lender.
第二十七条采用贷款人受托支付的，贷款人应根据约定的贷款用途,审核借款人提供的支付申请所列支付对象、支付金额等信息是否与相应的商务合同等证明材料相符。审核同意后，贷款人应将贷款资金通过借款人账户支付给借款人交易对象。
Article 27&With respect to
entrusted payment by the lender, the lender shall, according to the
stipulated uses of the loan, examine whether the payment receiver,
the amount of payment and other information contained in the
payment request of the borrower are identical with those indicated
in the corresponding commercial contract and other certificates.
Upon approval, the lender shall pay loan funds to the borrower’s
counterpart through the borrower’s account.
第二十八条采用借款人自主支付的，贷款人应按借款合同约定要求借款人定期汇总报告贷款资金支付情况，并通过账户分析、凭证查验或现场调查等方式核查贷款支付是否符合约定用途。
Article 28&&With
respect to direct payment by the borrower, the lender shall,
according to the loan contract, request the borrower to report the
payments of loan capital on a periodic basis, and shall, by making
account analyses, voucher verification or on-site investigation,
check whether the payments are made for purposes as stipulated in
the loan contract.
第二十九条贷款支付过程中，借款人信用状况下降、主营业务盈利能力不强、贷款资金使用出现异常的，贷款人应与借款人协商补充贷款发放和支付条件，或根据合同约定变更贷款支付方式、停止贷款资金的发放和支付。
Article 29&&If,
during the payment of loans, the credit standing of the borrower
deteriorates, its principal business profitability becomes weak, or
there are abnormal circumstances in the use of loan capital, the
lender shall negotiate with the borrower to add conditions for the
granting and payment of loans, or change the payment method or stop
the granting and payment of loans according to the loan
contract.
第六章 贷后管理
Chapter VI Post-Loan Management
第三十条贷款人应加强贷款资金发放后的管理，针对借款人所属行业及经营特点，通过定期与不定期现场检查与非现场监测，分析借款人经营、财务、信用、支付、担保及融资数量和渠道变化等状况，掌握各种影响借款人偿债能力的风险因素。
Article 30&The lender shall
strengthen management after the granting of loan capital, and
shall, based on the industry and business the borrower engages in
and through periodical and non-periodical on-site inspection and
off-site monitoring, analyze the changes in the borrower’s
operation, finance, credit, payment, guarantee and collateral,
financing amount and financing channels, so as to fully understand
various risk factors that may affect the repayment capability of
the borrower.
第三十一条 贷款人应通过借款合同的约定，要求借款人指定专门资金回笼账户并及时提供该账户资金进出情况。
Article 31&&The
lender shall, by stipulating in the loan contract, request the
borrower to designate a special capital&collection
account and to report the inflows and outflows of capital under
this account in a timely manner.
贷款人可根据借款人信用状况、融资情况等，与借款人协商签订账户管理协议，明确约定对指定账户回笼资金进出的管理。贷款人应关注大额及异常资金流入流出情况，加强对资金回笼账户的监控。
The lender may, according to the credit standing
and financing status of the borrower, conclude an account
management agreement with the borrower through negotiation,
expressly stipulating the management of the inflows and outflows of
capital under the designated account. &The lender
shall pay attention to the inflows and outflows of large-sum and
abnormal capital and strengthen monitoring over
capital&collection account.
第三十二条贷款人应动态关注借款人经营、管理、财务及资金流向等重大预警信号，根据合同约定及时采取提前收贷、追加担保等有效措施防范化解贷款风险。
Article 32&&The
lender shall pay closely attention the significant warning signals
in the operation, management, finance, and capital flow of the
borrower, and timely take effective measures under the loan
contract such as accelerating maturity and requesting for
additional&guarantee or
collateral&to prevent and mitigate loan risks.
第三十三条贷款人应评估贷款品种、额度、期限与借款人经营状况、还款能力的匹配程度，作为与借款人后续合作的依据，必要时及时调整与借款人合作的策略和内容。
Article 33&The lender shall assess
whether the type, amount and term of the loans match the operations
and repayment capability of the borrower, which will serve as a
basis for future cooperation with the borrower, and adjust the
strategy and content of the cooperation with the borrower in time
when necessary.
第三十四条贷款人应根据法律法规规定和借款合同的约定，参与借款人大额融资、资产出售以及兼并、分立、股份制改造、破产清算等活动，维护贷款人债权。
Article 34&The lender shall,
according to relevant laws and regulations and the loan contract,
participate in the large-sum financing, asset sale, merger, split,
stock transformation, bankruptcy liquidation and other events of
the borrower so as to protect its creditor's rights.
第三十五条流动资金贷款需要展期的，贷款人应审查贷款所对应的资产转换周期的变化原因和实际需要，决定是否展期，并合理确定贷款展期期限，加强对展期贷款的后续管理。
Article 35&&Where
the term of a working capital loan needs to be extended, the lender
shall examine the reasons for the change of asset turnover cycle
related to the loan and the actual needs to decide whether to
approve the extension or not, reasonably determine the term of
extension and strengthen the follow-up management of the loan.
第三十六条流动资金贷款形成不良的，贷款人应对其进行专门管理，及时制定清收处置方案。对借款人确因暂时经营困难不能按期归还贷款本息的，贷款人可与其协商重组。
Article 36&&Were
working capital loans become non-performing, the lender shall place
them under special management and work out a settlement plan in a
timely manner. &If the borrower fails to pay the
principal and interest of the loans due to temporary business
difficulties, the lender may negotiate with it for possible
reorganization.
第三十七条 对确实无法收回的不良贷款，贷款人按照相关规定对贷款进行核销后，应继续向债务人追索或进行市场化处置。
Article 37&&With
respect to non-performing loans that are indeed impossible to
recover, the lender shall, after writing them off according to
relevant provisions, continue to claim repayment from the debtor or
make disposition through market-oriented means.
第七章 法律责任
Chapter VII Legal Responsibility
第三十八条贷款人违反本办法规定经营流动资金贷款业务的，中国银行业监督管理委员会应当责令其限期改正。贷款人有下列情形之一的，中国银行业监督管理委员会可采取《中华人民共和国银行业监督管理法》第三十七条规定的监管措施：
Article 38&Where the lender
operates the working capital loan business in violation of these
measures, CBRC shall order it to make rectifications within a
certain time limit.& CBRC may take supervision
measures under Article 37 of the PRC Banking Supervision and
Administration Law if the lender is under any of the following
circumstances:
（一）流动资金贷款业务流程有缺陷的；
(1) there is defect in its working capital loan business
（二）未将贷款管理各环节的责任落实到具体部门和岗位的；
(2) failure to specify the loan management responsibilities of
each specific dep
（三）贷款调查、风险评价、贷后管理未尽职的；
(3) failure to duly perform loan investigation, risk assessment
and post- 
（四）对借款人违反合同约定的行为应发现而未发现，或虽发现但未及时采取有效措施的。(4) failure to discover
the borrower’s violations of the loan contract that should have
been discovered, or failure to timely take effective measures after
discovering them.
第三十九条贷款人有下列情形之一的，中国银行业监督管理委员会除按本办法第三十八条采取监管措施外，还可根据《中华人民共和国银行业监督管理法》第四十六条、第四十八条对其进行处罚：
Article 39&&Where
the lender is under any of the following circumstances, in addition
to the supervision measures under Article 38 of these measures,
CBRC may impose punishment according to Article 46 and 48 of the
PRC Banking Supervision and Administration Law:
（一）以降低信贷条件或超过借款人实际资金需求发放贷款的；
(1) granting loans by lowering the credit conditions or in
excess of the borrower’s a
（二）未按本办法规定签订借款合同的；
(2) failure to conclude a loan contract as stipulated in these
（三）与借款人串通违规发放贷款的；
(3) granting a loan by colluding with the borrower in violation
of the 
（四）放任借款人将流动资金贷款用于固定资产投资、股权投资以及国家禁止生产、经营的领域和用途的；
(4) ignoring the borrower’s use of working capital loans for
investments in fixed asset or equity or for sectors and purposes
where production and operation is pro
（五）超越或变相超越权限审批贷款的；
(5) examining loans beyond (in a disguised form)
（六）未按本办法规定进行贷款资金支付管理与控制的；
(6) failure to manage and control the payment of loan capital
accordi or
（七）严重违反本办法规定的审慎经营规则的其他情形的。
(7) other circumstances in serious violation of the prudential
operation rules stipulated in these measures.
第八章& 附则
Chapter&VIII Supplementary
Provisions
第四十条 贷款人应依据本办法制定流动资金贷款管理实施细则及操作规程。
Article 40& The lender shall work out detailed
implementation rules and operating procedures for the management of
working capital loans according to these measure.
第四十一条 本办法由中国银行业监督管理委员会负责解释。
Article 41& CBRC shall be responsible for the
interpretation of these measures.
第四十二条 本办法自发布之日起施行。
Article 42& These measures shall come into
force as of the date of promulgation.
(原文为中国公布的法律，译文由得法翻译独立完成，仅供学习参考之用。)
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