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>中國(guó)人民銀行信托投資公司資金信托管理暫行辦法-中英雙語(yǔ)
中國(guó)人民銀行信托投資公司資金信托管理暫行辦法-中英對(duì)照法律英語(yǔ)
青島希尼爾翻譯公司 2016年8月3日整理發(fā)布
第一條
為了規(guī)范信托投資公司資金信托業(yè)務(wù)的經(jīng)營(yíng)行為，保障資金信托業(yè)務(wù)各方當(dāng)事人的合法權(quán)益，根據(jù)《中華人民共和國(guó)信托法》、《中華人民共和國(guó)中國(guó)人民銀行法》和中國(guó)人民銀行《信托投資公司管理辦法》的有關(guān)規(guī)定，制定本辦法。
第二條
本辦法所稱(chēng)資金信托業(yè)務(wù)是指委托人基于對(duì)信托投資公司的信任，將自己合法擁有的資金委托給信托投資公司，由信托投資公司按委托人的意愿以自己的名義，為受益人的利益或者特定目的管理、運(yùn)用和處分的行為。
除經(jīng)中國(guó)人民銀行批準(zhǔn)設(shè)立的信托投資公司外，任何單位和個(gè)人不得經(jīng)營(yíng)資金信托業(yè)務(wù)，但法律、行政法規(guī)另有規(guī)定的除外。
第三條 信托投資公司辦理資金信托業(yè)務(wù)取得的資金不屬于信托投資公司的負(fù)債；信托投資公司因管理、運(yùn)用和處分信托資金而形成的資產(chǎn)不屬于信托投資公司的資產(chǎn)。
第四條 信托投資公司辦理資金信托業(yè)務(wù)時(shí)應(yīng)遵守下列規(guī)定：
?。ㄒ唬┎坏靡匀魏涡问轿栈蜃兿辔沾婵?；
（二）不得發(fā)行債券，不得以發(fā)行委托投資憑證、代理投資憑證、受益憑證、有價(jià)證券代保管單和其他方式籌集資金，辦理負(fù)債業(yè)務(wù)；
?。ㄈ┎坏门e借外債；
?。ㄋ模┎坏贸兄Z信托資金不受損失，也不得承諾信托資金的最低收益；
?。ㄎ澹┎坏猛ㄟ^(guò)報(bào)刊、電視、廣播和其他公共媒體進(jìn)行營(yíng)銷(xiāo)宣傳。
信托投資公司違反上述規(guī)定，按非法集資處理，造成的資金損失由投資者承擔(dān)。
第五條 信托投資公司辦理資金信托業(yè)務(wù)可以依據(jù)信托文件的約定，按照委托人的意愿，單獨(dú)或者集合管理、運(yùn)用、處分信托資金。
單獨(dú)管理、運(yùn)用、處分信托資金是指信托投資公司接受單個(gè)委托人委托、依據(jù)委托人確定的管理方式單獨(dú)管理和運(yùn)用信托資金的行為。
集合管理、運(yùn)用、處分信托資金指信托投資公司接受二個(gè)或二個(gè)以上委托人委托、依據(jù)委托人確定的管理方式或由信托投資公司代為確定的管理方式管理和運(yùn)用信托資金的行為。
第六條 信托投資公司集合管理、運(yùn)用、處分信托資金時(shí)，接受委托人的資金信托合同不得超過(guò)200份（含200份），每份合同金額不得低于人民幣5萬(wàn)元（含5萬(wàn)元）。
第七條 信托投資公司辦理資金信托業(yè)務(wù)，應(yīng)與委托人簽訂信托合同。采取其他書(shū)面形式設(shè)立信托的，按照法律、行政法規(guī)的規(guī)定設(shè)立。
信托合同應(yīng)當(dāng)載明以下事項(xiàng)：
?。ㄒ唬┬磐心康?；
?。ǘ┪腥?、受托人的姓名（或者名稱(chēng)）、住所；
?。ㄈ┦芤嫒诵彰ɑ蛘呙Q(chēng)）、住所，或者受益人的范圍；
（四）信托資金的幣種和金額；
?。ㄎ澹┬磐衅谙蓿?br>
?。┬磐匈Y金的管理方式和受托人的管理、運(yùn)用和處分的權(quán)限；
?。ㄆ撸┬磐匈Y金管理、運(yùn)用和處分的具體方法或者安排；
（八）信托利益的計(jì)算、向受益人交付信托利益的時(shí)間和方法；
?。ň牛┬磐胸?cái)產(chǎn)稅費(fèi)的承擔(dān)、其他費(fèi)用的核算及支付方法；
?。ㄊ┦芡腥藞?bào)酬計(jì)算方法、支付期間及方法；
?。ㄊ唬┬磐薪K止時(shí)信托財(cái)產(chǎn)的歸屬及分配方式；
?。ㄊ┬磐惺聞?wù)的報(bào)告；
?。ㄊ┬磐挟?dāng)事人的權(quán)利、義務(wù)；
?。ㄊ模╋L(fēng)險(xiǎn)的揭示；
?。ㄊ澹┬磐匈Y金損失后的承擔(dān)主體及承擔(dān)方式；
?。ㄊ┬磐挟?dāng)事人的違約責(zé)任及糾紛解決方式；
?。ㄊ撸┬磐挟?dāng)事人認(rèn)為需要載明的其他事項(xiàng)。
第八條 信托投資公司辦理資金信托業(yè)務(wù)時(shí)，應(yīng)當(dāng)于簽定信托合同的同時(shí)，與委托人簽定信托資金管理、運(yùn)用風(fēng)險(xiǎn)申明書(shū)。
風(fēng)險(xiǎn)申明書(shū)應(yīng)當(dāng)載明下列內(nèi)容：
?。ㄒ唬┬磐型顿Y公司依據(jù)信托文件的約定管理、運(yùn)用信托資金導(dǎo)致信托資金受到損失的，其損失部分由信托財(cái)產(chǎn)承擔(dān)；
?。ǘ┬磐型顿Y公司違背信托文件的約定管理、運(yùn)用、處分信托資金導(dǎo)致信托資金受到損失的，其損失部分由信托投資公司負(fù)責(zé)賠償。不足賠償時(shí)，由信托財(cái)產(chǎn)承擔(dān)。
第九條 受托人制定信托合同或者其他信托文件，應(yīng)當(dāng)在首頁(yè)右上方用醒目字體載明下列文字：
"受托人管理信托財(cái)產(chǎn)應(yīng)恪盡職守，履行誠(chéng)實(shí)、信用、謹(jǐn)慎、有效管理的義務(wù)。依據(jù)本信托合同規(guī)定管理信托資金所產(chǎn)生的風(fēng)險(xiǎn)，由信托財(cái)產(chǎn)承擔(dān)，即由委托人交付的資金以及由受托人對(duì)該資金運(yùn)用后形成的財(cái)產(chǎn)承擔(dān)；受托人違背信托合同、處理信托事務(wù)不當(dāng)使信托資金受到損失，由受托人賠償。"
第十條 信托文件有效期限內(nèi)，受益人可以根據(jù)信托文件的規(guī)定轉(zhuǎn)讓其享有的信托受益權(quán)。
信托投資公司應(yīng)為受益人辦理信托受益權(quán)轉(zhuǎn)讓的有關(guān)手續(xù)。
第十一條 信托投資公司辦理資金信托業(yè)務(wù)，應(yīng)設(shè)立專(zhuān)門(mén)為資金信托業(yè)務(wù)服務(wù)的信托資金運(yùn)用、信息處理等部門(mén)。
信托投資公司固有資金運(yùn)用部門(mén)和信托資金運(yùn)用部門(mén)應(yīng)當(dāng)由不同的高級(jí)管理人員負(fù)責(zé)管理。
第十二條 信托投資公司辦理資金信托業(yè)務(wù)，應(yīng)指定信托執(zhí)行經(jīng)理及其相關(guān)的工作人員。
擔(dān)任信托執(zhí)行經(jīng)理的人員，應(yīng)具有中國(guó)人民銀行頒發(fā)的《信托經(jīng)理資格證書(shū)》。
第十三條
信托投資公司違背信托文件的約定管理、運(yùn)用、處分信托資金導(dǎo)致信托資金受到損失的，其損失部分由信托投資公司負(fù)責(zé)賠償。信托投資公司由此而導(dǎo)致的損失，可按《中華人民共和國(guó)公司法》的有關(guān)規(guī)定，要求其董事、監(jiān)事、高級(jí)管理人員承擔(dān)賠償責(zé)任。
第十四條
信托投資公司對(duì)不同的資金信托，應(yīng)建立單獨(dú)的會(huì)計(jì)賬戶(hù)分別核算；對(duì)不同的信托，應(yīng)在銀行分別開(kāi)設(shè)單獨(dú)的銀行賬戶(hù)，在證券交易機(jī)構(gòu)分別開(kāi)設(shè)獨(dú)立的證券賬戶(hù)與資金賬戶(hù)。
第十五條 資金信托終止的，信托財(cái)產(chǎn)歸屬于信托文件規(guī)定的人。信托投資公司應(yīng)當(dāng)按照信托文件的規(guī)定書(shū)面通知信托財(cái)產(chǎn)歸屬人取回信托財(cái)產(chǎn)。
未被取回的信托財(cái)產(chǎn)，由信托投資公司負(fù)責(zé)保管。保管期間，保管人不得運(yùn)用該財(cái)產(chǎn)。保管期間的收益歸屬于信托財(cái)產(chǎn)的歸屬人。發(fā)生的保管費(fèi)用由被保管的信托財(cái)產(chǎn)承擔(dān)。
第十六條 信托財(cái)產(chǎn)的歸屬依據(jù)信托合同規(guī)定，可采取現(xiàn)金方式、維持信托終止時(shí)財(cái)產(chǎn)原狀方式或者兩者的混合方式。
采取現(xiàn)金方式的，信托投資公司應(yīng)當(dāng)于信托合同規(guī)定的分配日前或者信托期滿(mǎn)日前（如遇法定節(jié)假日順延）變現(xiàn)信托財(cái)產(chǎn)，并將現(xiàn)金存入信托文件指定的賬戶(hù)。
采取維持信托終止時(shí)財(cái)產(chǎn)原狀方式的，信托投資公司應(yīng)于信托期滿(mǎn)后的約定時(shí)間內(nèi)，完成與歸屬人的財(cái)產(chǎn)轉(zhuǎn)移手續(xù)。
第十七條 資金信托終止，信托投資公司應(yīng)當(dāng)于信托終止后十個(gè)工作日內(nèi)做出處理信托事務(wù)的清算報(bào)告，并送達(dá)信托財(cái)產(chǎn)歸屬人。
第十八條
信托投資公司辦理資金信托業(yè)務(wù)，應(yīng)當(dāng)按季或者按照信托合同的規(guī)定，將信托資金管理的報(bào)告和信托資金運(yùn)用及收益情況表書(shū)面告知信托文件規(guī)定的人。信托期限超過(guò)一年的，每年最少報(bào)告一次。
信托投資公司應(yīng)當(dāng)按照《信托投資公司管理辦法》向中國(guó)人民銀行報(bào)送資金信托業(yè)務(wù)經(jīng)營(yíng)的有關(guān)資料。
第十九條 信托資金管理的報(bào)告書(shū)應(yīng)當(dāng)載明如下內(nèi)容：
（一）信托資金管理、運(yùn)用、處分和收益情況；
?。ǘ┬磐匈Y金運(yùn)用組合比例情況；
?。ㄈ┬磐匈Y金運(yùn)用中金額列前十位的項(xiàng)目情況；
（四）信托執(zhí)行經(jīng)理變更說(shuō)明；
（五）信托資金運(yùn)用重大變動(dòng)說(shuō)明；
（六）涉及訴訟或者損害信托財(cái)產(chǎn)、委托人或者受益人利益的情形；
?。ㄆ撸┬磐泻贤?guī)定的其他事項(xiàng)。
第二十條 信托投資公司應(yīng)當(dāng)妥善保存資金信托業(yè)務(wù)的全部資料，保存期自信托終止之日起不得少于十五年。
第二十一條
信托投資公司違反本辦法規(guī)定的，由中國(guó)人民銀行按照《金融違法行為處罰辦法》及有關(guān)規(guī)定進(jìn)行處罰；情節(jié)嚴(yán)重的，暫?；蛘咧敝寥∠滢k理資金信托業(yè)務(wù)的資格。對(duì)有關(guān)的高級(jí)管理人員，中國(guó)人民銀行可以取消其一定期限直至終身的任職資格；對(duì)直接責(zé)任人員，取消其信托從業(yè)資格。
第二十二條 本辦法由中國(guó)人民銀行負(fù)責(zé)解釋。
第二十三條 本辦法自2002年7月18日起施行。
Provisional Rules on Entrusted Funds Management of Trust and Investment
Companies
1.These rules are formulated according to the "Trust Law of the People's
Republic of China", the " Law on the People's Bank of China of the People's
Republic of China" and relevant provisions in the "Rules on administration of
Trust and Investment Companies" of the People's Bank of China, so as to
standardize entrusted funds management of the Trust and Investment Companies
（TICs） and protect legitimate interests of all the involved parties of the
entrusted funds management.
2."Entrusted Funds Management" in these rules refers to the following
activities:Based on his or her trust in a TIC, a client entrusts his or her
legitimately held funds to the TIC to be managed, used and disposed of by the
TIC on its own name in a way that is in line with the client's will and aimed at
benefiting the beneficiary or achieving other particular goals.Except TICs
established with approval of the People's Bank of China, no other entities or
individuals shall be allowed to engage in trust business unless stipulated
otherwise by laws and administrative regulations.
3.Entrusted funds a TIC obtains shall not be regarded as its liabilities,
neither shall any assets arising from its management, utilization and disposal
of entrusted funds be included in its own assets.
4.A TIC shall abide by following provisions when conducting entrusted funds
management:1） It is not allowed to take deposits in any form or in any disguised
way.2） It is not allowed to issue bonds, or finance and conduct any liability
business by issuing certificate of entrusted investment, certificate of agent
investment, certificate of benefits, certificate of custody of securities or in
other ways. 3） It is not allowed to borrow from abroad.4） It is not allowed to
promise no losses of entrusted funds or guarantee minimum returns of entrusted
funds.5） It is not allowed to promote marketing or publicity through newspaper,
TV, radio or other public media.Any TICs that has violated the provisions above
will be treated as conducting illegal financing activities. Any losses brought
by such irregularities shall be assumed by the investors.
5.When conducting entrusted funds management, a TIC may manage, use or dispose
of entrusted funds separately or collectively according to the terms of
entrustment contract and the will of clients. Separate management, utilization
or disposal of entrusted funds refers to the activity that a TIC accepts
entrustment of a single client and manage and utilize the entrusted funds
separately in an approach determined by the client.Collective management,
utilization or disposal of entrusted funds refers to the activity that a TIC
accepts entrustment of two or more than two clients and manage and utilize the
entrusted funds in an approach determined by the clients or by the TIC on behalf
of the clients.
6.When managing, using or disposing of entrusted funds collectively, a TIC may
accept no more than 200 entrustment contracts （200 inclusive） and the amount of
each contract shall be no less than RMB50000 yuan （50000 inclusive）.
7.When conducting entrusted funds management, a TIC shall sign an entrustment
contract with the client or in other written form according to laws and
administrative regulations to create the entrustment.An entrustment contract
shall contain following contents:1） Objectives of the entrustment.2） Name and
addresses of the client and the trustee.3） Name and addresses of the beneficiary
or the coverage of beneficiaries.4） Denominated currency and amount of entrusted
funds.5） Maturity of the entrustment.6） Management of the entrusted property and
the trustee's authorization of management, utilization and disposal of entrusted
funds.7） Arrangement or specific approach to manage, utilize and dispose of the
entrusted funds.8） Calculation of benefits of the entrustment; when and how the
benefits to be transferred to the beneficiary.9） Tax payments on the entrusted
property; accounting and payment of other costs.10） Calculation of a TIC's
remuneration; intervals and modality of remuneration payment.11） Ownership and
distribution of the entrusted property when the entrustment terminates.12）
Reporting of entrustment affairs.13） Rights and obligations of involved parties
of the entrustment.14） Revealing of risks.15） When there are losses resulted
form the management of the entrusted funds, who is to assume the losses and
how.16） Responsibilities for defaults of the involved parties and resolution of
disputes.17） Other items that involved parties of the entrustment deem necessary
to be included.
8.When conducting entrusted funds management, a TIC shall also sign a
statement with the client on the risks involved in the management and
utilization of entrusted funds apart from the entrustment contract.Such a
statement shall contain following contents:1） Losses resulted from a TIC' s
management and utilization of entrusted funds in compliance with the terms of
the entrustment contract shall be covered by the entrusted property.2） Losses of
entrusted funds due to a TIC's management, utilization and disposal of entrusted
funds in violation of the terms of the entrustment contract shall be first
compensated by the TIC. If the compensation cannot fully cover the losses, the
residue shall be covered by the entrusted property.
9.When the trustee drafts the entrustment contract or other entrustment
documents, he or she shall put following words in bold letters on the top right
of the first page:"When managing the entrusted funds, the trustee shall be
faithful to its duties and fulfill the obligation of being honest, credible,
prudent and efficient. Any risks arising from management of the entrusted funds
in compliance with the terms of this entrustment contract shall be covered by
the entrusted property, which includes property entrusted by the client and
assets arising from the trustee's utilization of that property. Any losses of
entrusted funds due to the trustee's violation of entrustment contract or
improper disposal of entrustment affairs shall be compensated by the trustee."
10.Within the validity period of entrustment documents, the beneficiary may
transfer its beneficial rights from the entrustment to others according to the
entrustment documents.A TIC shall follow needed procedures to process beneficial
rights' transfer of the beneficiary.
11.When conducting entrusted funds management, a TIC shall establish
departments that particularly serve the entrusted funds management, including
departments of entrusted funds utilization and information processing.A TIC
shall appoint different senior managers to head department of entrusted funds
utilization and the department of self-owned funds utilization.
12.When conducting entrusted funds management, a TIC shall appoint an
executive manager and supporting staff to perform the entrustment.A person to be
appointed as executive manager of an entrustment shall have the "Certificate of
qualification for trust business manager" issued by the People's Bank of China.
13.Losses of entrusted funds due to a TIC's management, utilization or
disposal of entrusted funds in violation of the terms of the entrustment
contract shall be compensated by the TIC. The TIC may require its directors,
supervisors and senior management to compensate such resulted losses according
to relevant provisions of the "Company Law of the People's Republic of China".
14.A TIC shall open separate accounts for different entrusted funds. As for
different entrustments, separate accounts shall be maintained in banks, while
separate securities accounts and funds accounts shall be set up in securities
firms.
15.When a funds entrustment terminates, the entrusted property belongs to the
person designated by the entrustment document. The TIC shall inform the owner of
the entrusted property in written form to retrieve the entrusted property
according to the entrusted document.Entrusted property that has not been
retrieved shall be kept in custody by the TIC. During the custody, the custodian
shall not use this property, while the benefits during the custody belong to the
owner of the entrusted property. Cost of the custody shall be covered by the
entrusted property in custody.
16.Return of the entrusted property may be conducted in cash payment,
maintaining the original status of the property as it is when the entrustment
terminates, or a combination of these two. In cash payment, a TIC shall encash
the entrusted property before the date of distribution or entrustment
termination as stipulated in the entrustment contract （If there are public
holidays at the moment, the encashment can be deferred accordingly）, and deposit
the cash in the account designated by the entrustment document.In maintaining
the original status of the property as it is when the entrustment terminates,
the TIC shall complete the procedure of transferring the entrusted property to
the owner within the agreed period of time after the entrustment matures.
17.When a funds entrustment ends, the TIC shall prepare a liquidation report
on its entrustment affairs within 10 working days after the ending of the
entrustment and deliver it to the owner of the entrusted property.
18.When conducting entrusted funds management, a TIC shall inform in written
form the person designated by the entrustment document on management of the
entrusted funds as well as uses and earnings of the entrusted property on
quarterly basis or according to the entrustment contract. For entrustment over
one year, the reporting shall be made at least once a year.A TIC shall report
information on entrusted funds management to the People's Bank of China
according to the "Rules on Administration of Trust and Investment Companies".
19.Report of entrusted funds management shall contain following contents:1）
Management, utilization, disposal and earnings of the entrusted funds.2）
Investment portfolio of entrusted funds.3） Profiles of the top 10 projects in
terms of invested amount.4） Explanation of change of the executive manager for
the entrustment.5） Explanation of substantial change of utilization of the
entrusted funds.6） Incidents that involves prosecution or damages to the
entrusted property or interests of the client or the beneficiary.7） Other items
included in the entrustment contract.
20.A TIC shall keep carefully all the information of its entrusted funds
management at least 15 years after the termination of the entrustment.
21.Any TIC that has violated these rules shall be punished by the People's
Bank of China according to the "Rules on Punishment of Financial Irregularities"
and other relevant regulations. If the circumstances are serious, its
eligibility for conducting entrusted fund management business may be suspended
or revoked. As for those involved senior managers, the People's Bank of China
can disqualify them form holding any positions in the trust business for a
specified period of time or even for life. As for staff immediately responsible
for such a violation, his or her qualification for trust business shall be
cancelled.
22.The People's Bank of China is responsible for the interpretation of these
rules.
23.These rules take effect from July 18, 2002.
中英對(duì)照法規(guī) 英文法規(guī) 中國(guó)人民銀行信托投資公司資金信托管理暫行辦法中英雙語(yǔ) 中國(guó)人民銀行信托投資公司資金信托管理暫行辦法中英對(duì)照 中國(guó)人民銀行信托投資公司資金信托管理暫行辦法英語(yǔ)版
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