凯发备用网址

浙江省地方金融条例
发布日期:2020-05-22 浏览量:428

zhejiangshengdishisanjierenmindaibiaodahuichangwuweiyuanhuigonggaodi 26 hao

 

凯发备用网址 《zhejiangshengdifangjinrongtiaoli》yiyu2020nian5yue15rijingzhejiangshengdishisanjierenmindaibiaodahuichangwuweiyuanhuidiershiyicihuiyitongguo,xianyugongbu,zi2020nian8yue1riqishixing。

 

 

凯发备用网址 zhejiangshengrenmindaibiaodahuichangwuweiyuanhui

2020nian5yue15ri

凯发备用网址  

 

凯发备用网址  

浙江省地方金融条例

(2020nian5yue15rizhejiangshengdishisanjierenmindaibiaodahuichangwuweiyuanhuidiershiyicihuiyitongguo)

mu lu

凯发备用网址 diyizhang zongze

dierzhang difangjinrongzuzhijianduguanli

disanzhang jinrongfengxianfangfanyuchuzhi

凯发备用网址 disizhang jinrongfuwushitijingji

凯发备用网址 diwuzhang falvzeren

diliuzhang fuze

凯发备用网址  

 

第一章 总则

凯发备用网址 diyitiao weilejiaqiangdifangjinrongjianduguanli,fangfanhehuajiejinrongfengxian,weihuquyujinrongwending,cujindifangjinrongjiankangfazhan,yindaojinrongfuwushitijingji,genjuyouguanfalv、xingzhengfaguiheguowuyuanguiding,jiehebenshengshiji,zhidingbentiaoli。

diertiao benshengxingzhengquyuneidifangjinrongzuzhicongshijinrongyewu、difangjinrongjianduguanli(gongzuo)bumenheqitabumenshishidifangjinrongjianduguanliyijijinrongfengxianfangfanyuchuzhidenghuodong,yingdangzunshoubentiaoli。falv、xingzhengfaguiheguojialingyouguidingde,congqiguiding。

bentiaolisuochengdifangjinrongzuzhi,shizhiyifashelide、congshixiangguanjinrongyewudexiaoedaikuangongsi、rongzidanbaogongsi、diandangxing、rongzizulingongsi、shangyebaoligongsi、difangzichanguanligongsi、quyuxingguquanshichangheqitadifanggeleijiaoyichangsuo、nongminzhuanyehezuoshe、minjianrongzifuwuqiye,yijifalv、xingzhengfaguiguidingheguowuyuanshouquanshengrenminzhengfujianduguanlidecongshijinrongyewudeqitazuzhi。

bentiaolisuochengqitadifanggeleijiaoyichangsuo,shizhicongshizhaiquan、zhishichanquan、wenhuayishupinquanyi、jinrongzichanquanyidengquanyileijiaoyiyijidazongshangpinleijiaoyidegeleijiaoyichangsuo,bubaokuojincongshicheliang、fangdichandengshiwujiaoyidejiaoyichangsuoyijixianjiyishangrenminzhengfujiqiyouguanbumenyifashelidegonggongziyuanjiaoyichangsuo。

disantiao difangjinronggongzuoyingdangzunxunfenleiguanli、wentuoshenshen、fangkongfengxian、chuangxinfazhandeyuanze。

disitiao shengrenminzhengfuyingdangjianlijianquandifangjinrongjianduguanlitizhi,wanshandifangzhengfujinronggongzuoyishixiediaojizhi,tongchoudifangjinronggaigefazhanwendingzhongdashixiang,xiediaojiejuedifangjinrongjianduguanli、jinrongfengxianfangfanyuchuzhigongzuozhongdezhongdawenti,luoshishudijinrongjianduguanli、jinrongfengxianfangfanyuchuzhizerenyijichuzhifeifajizidiyizerenrendezeren,bingjieshouguowuyuanjinrongwendingfazhanweiyuanhuidezhidaohejiandu。

difangzhengfujinronggongzuoyishixiediaojizhiyingdangjiudifangjinrongzuzhijianduguanli、jinrongfengxianfangfanyuchuzhi、jinrongxiaofeizhequanyibaohu、xinxigongxiangdengfangmianjiaqiangyuguowuyuanjinrongwendingfazhanweiyuanhuibangongshidifangxiediaojizhidexiezuoyupeihe。

凯发备用网址 shequdeshi、xian(shi、qu)renminzhengfuyingdangjiaqiangduidifangjinronggongzuodelingdao,jiaqiangdifangjinrongjianduguanlinenglijianshe,caiqucuoshiyindaojinrongfuwushitijingji,tuidongjinrongchanyefazhan,anzhaoguidingchengdanshudijinrongfengxianfangfanyuchuzhizeren。

凯发备用网址 diwutiao shengdifangjinrongjianduguanlibumenfuzequanshengdifangjinrongzuzhijianduguanligongzuo,zuzhi、xiediao、zhidaojinrongfengxianfangfanyuchuzhigongzuo。

shequdeshidifangjinronggongzuobumenhexian(shi、qu)renminzhengfuquedingdebumen(yixiatongchengdifangjinronggongzuobumen)fuzebenxingzhengquyuneijinrongfengxianfangfanyuchuzhidejutigongzuo,bingyizhaobentiaoliguidingchengdandifangjinrongzuzhijianduguanlidexiangguangongzuo。

xianjiyishangrenminzhengfufazhanhegaige、caizheng、gongan、sifaxingzheng、renliziyuanheshehuibaozhang、shichangjianduguanli、shuiwudengbumen,anzhaofadingzhizezuohaoxiangguangongzuo。

diliutiao xianjiyishangrenminzhengfujiqiyouguanbumenyingdangcaiquduozhongxingshipujijinrongfalv、faguihejinrongfengxianfangfanzhishi,tigaogongzhongdejinrongzhishishuipinghefengxianfangfanyishi。

凯发备用网址 xinwen、chuban、guangbo、dianshi、hulianwangdengcongyedanweiyingdangkaizhanjinrongfengxianfangfangongyixingxuanchuan,jiaqiangyulunjiandu。

diqitiao renhedanweihegerenyouquanduiweifanbentiaoliguidingdexingweijinxingtousuhejubao。

xianjiyishangrenminzhengfuyouguanbumenyingdangjianlijianquantousujubaojizhi,gongbutongyishoulifangshi,jishichulitousujubao。

第二章 地方金融组织监督管理

dibatiao difangjinrongzuzhikaizhanjinronghuodong,yingdangzunshouhefajingying、chengshishouxin、kongzhifengxiandeyuanze,budesunhaiguojialiyi、shehuigonggongliyihetarenhefaquanyi。

dijiutiao xiaoedaikuangongsi、rongzidanbaogongsi、diandangxing、rongzizulingongsi、shangyebaoligongsi、difangzichanguanligongsi、quyuxingguquanshichangheqitadifanggeleijiaoyichangsuo、nongminzhuanyehezuosheyijifalv、xingzhengfaguiguidingheguowuyuanshouquanshengrenminzhengfujianduguanlideqitadifangjinrongzuzhicongshixiangguanjinrongyewu,yingdangyizhaofalv、xingzhengfaguiyijiguojiayouguanjinrongjianduguanliguiding,qudexiangyingxingzhengxukehuozhebanlibeian。

minjianrongzifuwuqiyeyingdanganzhaoshengyouguanguidingxiangshequdeshidifangjinronggongzuobumenbeian。

凯发备用网址 dishitiao sheng、shequdeshidifangjinrongjianduguanli(gongzuo)bumenyingdangjianlidifangjinrongzuzhixinxigongshizhidu,yibianyugongzhongzhixiaodefangshigongbubingjishigengxindifangjinrongzuzhimingdanjiqixiangguanxuke、beianxinxi。

凯发备用网址 dishiyitiao difangjinrongzuzhiyingdangwanshanfarenzhilijiegou,zhixingyewuheguihefengxianguanlizhidu,xingchengyouxiaoneibuzhihenghefengxianfangkongjizhi。

difangjinrongzuzhiyingdangjiaqiangguquanguanli,guifangudongchiguxingwei,binganzhaoguidingjiangguquanjizhongdaofuhetiaojiandeguquantuoguanjigoutuoguan。guquantuoguandejutibanfayoushengdifangjinrongjianduguanlibumenzhiding。

凯发备用网址 dishiertiao difangjinrongzuzhibudeweifanfalv、faguiheguojiayouguanguidingweiguanlianfangtigongyubenzuzhiliyixiangchongtudefuwu,weiguanlianfangtigongfuwudetiaojianbudeyouyuweifeiguanlianfangtigongtongleifuwudetiaojian。

difangjinrongzuzhidekonggugudong、shijikongzhiren、dongshi(lishi)、jianshi、gaojiguanlirenyuanhuozhejingyingguanlirenyuanyingdangyizhaofalv、faguiheguojiayouguanguidingyijizuzhizhangchengyuedingzhixingguanlianjiaoyishixiangbiaojuehuibi。

      dishisantiao difangjinrongzuzhikeyizaiyifahegui、fengxiankekongdeqiantixia,kaizhanyewuchuangxin。shengdifangjinrongjianduguanlibumenkeyigenjuyewutedianhefengxianqingkuang,shishishenshenjianduguanli。

      dishisitiao shengwaizhuceshelidedifangjinrongzuzhizaibenshengxingzhengquyuneiyifakaizhanjingyingfanweineiyewude,yingdangdingqixiangshengdifangjinrongjianduguanlibumenbaogaoyewukaizhanqingkuang。xuyaobaogaodejutiyewufanweihejutichengxu,youshengdifangjinrongjianduguanlibumenqueding。

guojiaduidifangjinrongzuzhikaizhanjingyinghuodongyouquyuxianzhide,congqiguiding。

dishiwutiao difangjinrongzuzhiyingdanganzhaoguojiaheshengyouguanguiding,xiangshengdifangjinrongjianduguanlibumenbaosongcaiwuhuijibaogao、jingyingbaogao、zhucehuijishichujudeniandushenjibaogaodengcailiao,bingbaogaozhuyaogudongjingyingkunnan、zhuyaofuzerenshilian、fashengliudongxingfengxiandengyanzhongyingxiangjingyingdezhongdashixiang。baosongdecailiaohebaogaodeshixiangneirongyingdangzhenshi、zhunque、wanzheng。

凯发备用网址 shengdifangjinrongjianduguanlibumenyingdangduidifangjinrongzuzhideyewuhuodongjiqifengxianzhuangkuangjinxingfeixianchangjianduguanli,zuzhijianlidifangjinrongzuzhijianduguanlixinxixitong。difangjinrongzuzhiyingdanganzhaoyaoqiujieruxinxixitong,bingkeyitongguoxinxixitongbaosonghuozhebaogaoqiankuanguidingdecailiaohuozheshixiang。

凯发备用网址 difangjinrongzuzhiyingdanganzhaoguidingxiangrenminyinxingpaichujigoubaosongjinrongyezonghetongjixinxi。

凯发备用网址 dishiliutiao difangjinrongzuzhifaxingchanpinhuozhetigongfuwude,yingdangxiangtouzizhehuozhexiaofeizhetishifengxian,pilukenengyingxiangqijuecedexinxi。

凯发备用网址 difangjinrongzuzhipiludexinxiyingdangzhenshi、zhunque、wanzheng,budeyouxujiajizai、wudaoxingchenshuhuozhezhongdayilou。

第十七条 地方金融组织为债务性融资业务产品发行提供服务的,应当建立投资者适当性制度,保障适当的产品销售给适合的投资者。

凯发备用网址 dishibatiao minjianjiedaihuodongyingdangzunshoufalv、faguiheguojiayouguanguiding。

凯发备用网址 minjianjiedaijuyouxialieqingxingzhiyide,jiekuanrenyingdangzihetongqiandingzhiriqishiwurinei,jianghetongfubenhejiekuanjiaofupingzhengbaosongshequdeshidifangjinronggongzuobumenhuozheqiweituodeminjianrongzigonggongfuwujigoubeian:

凯发备用网址 (yi)danbijiekuanjinehuozhexiangtongyichujierenleijijiekuanjinedadaosanbaiwanyuanyishang;

凯发备用网址 (er)jiekuanbenxiyuedadaoyiqianwanyuanyishang;

(san)leijixiangsanshirenyishangtedingduixiangjiekuan。

chujierenyouquanducujiekuanrenlvxingqiankuanguidingdebeianyiwu,yekeyiziyuanlvxing。

凯发备用网址 shequdeshidifangjinronggongzuobumenhuozheqiweituodeminjianrongzigonggongfuwujigoutigongminjianjiedaixinxibeianfuwude,yingdangjiangbeianxinxianjidubaosongshengdifangjinrongjianduguanlibumen。

凯发备用网址 difangjinrongjianduguanli(gongzuo)bumen、minjianrongzigonggongfuwujigoujiqigongzuorenyuanduigongzuozhongzhixideminjianjiedaibeianxinxi,yingdangyuyibaomi。

minjianjiedaibeianxinxikeyitongguoshequdeshidifangjinronggongzuobumenhuozheqiweituodeminjianrongzigonggongfuwujigouchaxunchuangkoujinxingchaxun。chaxunbeianxinxide,yingdangtigongchaxunrenyouxiaoshenfenzhengminghejiekuanrenshouquanzhengming。shequdeshidifangjinronggongzuobumenhuozheqiweituodeminjianrongzigonggongfuwujigouxiangchaxunrentigongbeianxinxide,yingdangyinquchujierenxinxi。

dishijiutiao minjianjiedaidangshirenchiminjianjiedaihetong、jiekuanjiaofupingzhenghebeianzhengmingxianggongzhengjigoushenqingbanlifuyuqiangzhizhixingxiaoligongzhengde,gongzhengjigouyingdangyifayuyibanli。

凯发备用网址 jinrongjigouyingdangjiangminjianjiedaidangshirenlvxingbeianyiwudeqingkuangzuoweizhongyaoxinyongxinxiyuyicaixin;jianganzhaohetongyuedinglvxinghaikuanyiwudeqingkuangzuoweilianghaoxinyongzhengmingcailiaoshiyong。jingyizhaobentiaolibeiandeminjianjiedai,jinrongjigoubudejiangqishiweiyingxiangjiekuanrenxinyongdengjidefumianyinsu,danshijiekuanrenchaochuzishenhaikuannenglidaejiekuan,yijibuanzhaohetongyuedinglvxinghaikuanyiwubeiyifarendinggouchengbuliangxinxidechuwai。

shequdeshi、xian(shi、qu)renminzhengfuyingdangduilvxingminjianjiedaibeianyiwudedangshirenyuyizhengcezhichi。

diershitiao shengdifangjinrongjianduguanlibumenkeyigenjujianduguanlixuyao,yifaduidifangjinrongzuzhishishixianchangjiancha,bingyouquancaiquxialiecuoshi:

凯发备用网址 (yi)xunwenyouguangongzuorenyuan;

(er)yuetanqifadingdaibiaoren、shijikongzhiren、zhuyaogudong、dongshi(lishi)、jianshi、gaojiguanlirenyuanhuozhejingyingguanlirenyuan;

(san)chayue、fuzhiyujianchashixiangyouguandewenjian、ziliao;

(si)xianxingdengjibaocunkenengbeizhuanyi、yinni、huisunhuozheweizaodewenjian、ziliao、dianzishebei;

(wu)jianchayouguanyewushujuguanlixitong;

凯发备用网址 (liu)qitayifakeyicaiqudecuoshi。

shequdeshi、xian(shi、qu)difangjinronggongzuobumenkeyiduicunzaijinrongfengxianyinhuandedifangjinrongzuzhiyifashishixianchangjiancha,bingyouquancaiquqiankuanguidingdecuoshi。

diershiyitiao difangjinrongzuzhijiesanhuozhexuangaopochande,yingdangyifaduixiangguanyewuchengjiehezhaiwuqingchangzuochumingqueanpai。

shengdifangjinrongjianduguanlibumenkeyiduidifangjinrongzuzhiqingsuanjinxingzhidaohejiandu。

第三章 金融风险防范与处置

diershiertiao canyujinronghuodongdegeleizuzhiyingdangshenshenpingguzishenfengxianchengshounengli,jianlijianquanfengxianguanlizhiduheneibuzerenzhuijiuzhidu,luoshijinrongfengxianchuzhizhutizeren。

凯发备用网址 diershisantiao xianjiyishangrenminzhengfuyingdangjianlijinrongfengxianfangfanhehuajiegongzuojizhi,jiaqiangyuzhongyangjinrongguanlibumenpaichujigoudexiediaopeihe,qiantouyifadajiqudifeifajizi、feifajinronghuodong、feifajinrongjigoudeng,jishiwentuochuzhijinrongfengxian。

shengrenminzhengfuyingdangjianlijianquanjinrongfengxianjiancefangfanxitong,zhengheliyonggeleijinrongjianceshujuxinxi、jicengshehuizhiliwanggehuapaichaxinxiyijizhengfujixiangguanbumenjianduguanlishujuxinxi,duijinrongfengxianjinxingshishijiance、shibie、yujinghefangfan。

凯发备用网址 diershisitiao difangjinrongzuzhideyewuhuodongkenengyinfahuozheyijingxingchengzhongdajinrongfengxiande,suozaidishequdeshi、xian(shi、qu)renminzhengfuyingdanggenjuguojiaheshengyouguanguidinglvxingshudifengxianchuzhizeren,zuzhi、xiediaoyouguanbumenkaizhanfengxianchuzhixiangguangongzuo。

凯发备用网址 difangjinrongzuzhideyewuhuodongkenengyinfazhongdajinrongfengxiande,difangjinrongjianduguanli(gongzuo)bumenkeyicaiquxialiecuoshi:

凯发备用网址 (yi)xiangtouzizhe、zhaiquanrendengliyixiangguanfangtishifengxian;

(er)xianggudonghui(chengyuandahui)tishixiangguandongshi(lishi)、jianshi、gaojiguanlirenyuanhuozhejingyingguanlirenyuanderenzhifengxian;

(san)falv、faguiguidingkeyicaiqudeqitacuoshi。

凯发备用网址 difangjinrongzuzhideyewuhuodongyijingxingchengzhongdajinrongfengxiande,difangjinrongjianduguanli(gongzuo)bumenhaikeyicaiquxialiecuoshi:

(yi)kouyacaiwu,chafengchangsuo、sheshihuozhecaiwu;

凯发备用网址 (er)xiediaotongleidifangjinrongzuzhijieshoucunxuyewuhuozhexiediao、zhidaoqikaizhanshichanghuazhongzu;

凯发备用网址 (san)falv、faguiguidingkeyicaiqudeqitacuoshi。

凯发备用网址 diershiwutiao zhongyangjinrongguanlibumenjianduguanlidejigou,qiyewuhuodongkenengyinfahuozheyijingxingchengzhongdajinrongfengxiande,xianjiyishangrenminzhengfuyingdangxiediaoyouguanbumenxiezhuzhongyangjinrongguanlibumenpaichujigoukaizhanfengxianchuzhixiangguangongzuo。

凯发备用网址 shengrenminzhengfufuzenongcunhezuojinrongjigou(hannongcunshangyeyinxing、nongcunhezuoyinxing、nongcunxinyongshe)defengxianchuzhigongzuo,suozaidishequdeshi、xian(shi、qu)renminzhengfuyingdangyuyipeihe。

凯发备用网址 guojiaduijinrongjigoufengxianfangfanyuchuzhizhizelingyouguidingde,congqiguiding。

diershiliutiao zhucedizaibenshengxingzhengquyuneidefarenjinrongjigoucunzaixialieqingkuangde,yingdangjishijiangxiangguanxinxixiangzhucedirenminzhengfuheshengdifangjinrongjianduguanlibumenbaogao:

(yi)farenzhilijiegoushiheng;

凯发备用网址 (er)kongguquanhuozheshijikongzhirenbiangeng;

凯发备用网址 (san)dongshihui(lishihui)huozhejingyingguanlicengfashengzhongdadiaozheng;

凯发备用网址 (si)yewumoshifashengzhongdabianhua;

凯发备用网址 (wu)zhucedi、shijijingyingdifashengbiangeng;

(liu)fashengzhongdasusongshixiang;

(qi)qitakenengyinfazhongdajinrongfengxiandeqingkuang。

duicunzaiqiankuanguidingqingxingdefarenjinrongjigou,zhucedirenminzhengfuheshengdifangjinrongjianduguanlibumenyingdangjiaqiangjinrongfengxiandejiancehefangfan。

diershiqitiao feijinrongqiyecunzaizijinzhouzhuankunnanhuozhezibudizhaiqingkuang,kenengyinfahuozheyijingxingchengzhongdajinrongfengxiande,youfeijinrongqiyesuozaidishequdeshi、xian(shi、qu)renminzhengfufuzezuzhi、xiediaoyouguanbumenkaizhanfengxianchuzhixiangguangongzuo。

shequdeshi、xian(shi、qu)renminzhengfukeyicaiqucuoshizhichiqiankuanguidingdeqiyekaizhanzichanzhongzu,xiediaozhaiquanrendachengzhaiwuchuzhigongshi,zhidaozhaiquanrenchenglizhaiquanrenweiyuanhui。

diershibatiao duikenengyinfahuozheyijingxingchengdeqitazhongdajinrongfengxian,guojiaweimingquefengxianchuzhizerendanweide,youfengxianfashengdishequdeshi、xian(shi、qu)renminzhengfufuzezuzhi、xiediaoyouguanbumenkaizhanfengxianchuzhixiangguangongzuo。

凯发备用网址 diershijiutiao shequdeshi、xian(shi、qu)renminzhengfuyizhaobentiaolidiershisitiao、diershiqitiao、diershibatiaoguidingchuzhiqueyoukunnande,keyitiqingshangjirenminzhengfuyuyixiediao。

凯发备用网址 disanshitiao kaizhanhulianwangjinrongyewu,yingdangzunshouzhongyangjinrongguanlibumendexiangguanguiding。

xianjiyishangrenminzhengfujiqiyouguanbumenyingdangxietongzhongyangjinrongguanlibumenpaichujigougongtongkaizhanhulianwangjinrongjianduguanli,jiaqiangxinxigongxiang、fengxianpaichahechuzhidengfangmiandexiezuo,gongtongzuohaoshehuiwendingweihugongzuo。

凯发备用网址 disanshiyitiao difangjinrongjianduguanli(gongzuo)bumengenjufengxianqingkuang,keyijianyiyouguandanweicaiquxialiecuoshi:

凯发备用网址 (yi)yifaxianzhidifangjinrongzuzhifadingdaibiaoren、shijikongzhiren、dongshi(lishi)、jianshi、gaojiguanlirenyuanhuozhejingyingguanlirenyuanchujing;

(er)yifaxianzhidifangjinrongzuzhizhuanyi、zhuanrangcaichanhuozheduiqicaichanshedingqitaquanlifudan。

disanshiertiao fabujinrongleiguanggao,yingdangzunshou《zhonghuarenmingongheguoguanggaofa》dengfalv、faguideguiding,duikenengcunzaidefengxianyijizerenchengdanyouhelitishihuozhejingshi,budeduitouzishouyihuozhetouzixiaoguozuochubaozhengxingchengnuo,budemingshihuozheanshibaoben、baoshouyihuozhewufengxian。

feigongkaimujizijin,budeyiguanggao、gongkaiquanyoudengfangshikaizhanzijinmujixuanchuan。

第四章 金融服务实体经济

disanshisantiao sheng、shequdeshirenminzhengfuyingdanggenjuguominjingjiheshehuifazhanguihuayijishangjijinrongchanyefazhanguihua,zhidingbenxingzhengquyudejinrongchanyefazhanguihua。zhidingjinrongchanyefazhanguihua,yingdangzhengqiusuozaidizhongyangjinrongguanlibumenpaichujigoudeyijian。

disanshisitiao shengrenminzhengfuyingdangjiaqiangjinrongduiwaikaifanghequyuxietongfazhan,tuijinyuguojijinrongzuzhidejiaoliuyuhezuo,jianshexinxingjinrongzhongxin,zengqiangjinrongziyuanjijuhefushenengli。

jubeitiaojiandeshequdeshi、xian(shi、qu)renminzhengfuanzhaojinronggaigechuangxinzongtibuju,shenbaogeleijinronggaigechuangxinshiyanquheshidianxiangmushi,yingdangyibingbaosongxiangyingdejianduguanlihefengxianfangfancuoshi。

disanshiwutiao gulifazhanduocengcizibenshichang。difangjinrongjianduguanli(gongzuo)bumenyingdangtuidongqiyekaizhanguifanhuagufenzhigaizhi,zhichiqiyeshangshi、binggouzhongzu,zhichiqiyezaiquanguozhongxiaoqiyegufenzhuanrangxitong、quyuxingguquanshichangguapai,yindaoqiyetongguoguquantouzi、gupiaozhaiquanfaxingdengfangshirongzi,tigaozhijierongzibili,gaishanrongzijiegou。

凯发备用网址 difangjinrongjianduguanli(gongzuo)bumenyingdangyindaogulizhengquanfuwujigouzengqiangguifanchengxinyishi、tigaoqiyeshangshifuwuxiaolv。

disanshiliutiao xianjiyishangrenminzhengfuyingdangcaiqucuoshigulijinrongyaosutouxiangzhongdianchanye、zhongdianxiangmuhezhongdianlingyu,yindaochanyezhuanxingshengjihejingjigaozhiliangfazhan;zhichiminyingqiye,nongmin、nongye、nongcunjingjihekaifangxingjingjifazhan,jijituijinpuhuijinrong、lvsejinrong。

凯发备用网址 xianjiyishangrenminzhengfuyingdangtuidongjianlihewanshanweixiaoxingweixingqiyetigongrongzidanbaodezhengcexingrongzidanbaotixi,jianlijianquanfengxianbuchanghezhengfuxingrongzidanbaogongsidezibenchixubuchongjizhi,gulirongzidanbaogongsiyuyinxingyejinrongjigoujianlihezuohedanbaozerenfengxianfendanjizhi。

tansuojianliqiyejinrongguwenzhidu,fahuijinrongguwenzhuanyeyoushi,weiqiyeheliyunyongjinronggongju、youhuarongzijiegou、fangfanjinrongfengxiantigongzixunfuwu。

凯发备用网址 disanshiqitiao xianjiyishangrenminzhengfujiqiyouguanbumenyingdangyifaweidifangjinrongzuzhikaizhanxiangguandi(zhi)yarongziyewutigongbianli,jishiweiqibanlidi(zhi)yadengji;yuquyuxingguquanshichangjianliguquandengjiduijiejizhi;keyijiangzhongyangjinrongguanlibumenjianduguanlidejinrongjigouxiangshoudexiangguanzhengcejiyudifangjinrongzuzhi。

difangjinrongzuzhiyingdanglizufuwudangdishitijingji,zhichixiaoxingweixingqiyehenongmin、nongye、nongcunjingjizuzhirongzi。

凯发备用网址 renminyinxingpaichujigouyifaweidifangjinrongzuzhitigongxinyongxinxichaxunzhichi。jinrongjigouyifaweidifangjinrongzuzhitigongzijintuoguan、cunguanhejiesuandengyewuzhichi。

disanshibatiao zhichiyunjisuan、dashuju、rengongzhineng、qukuailiandengxinxingkejizaijinrongfuwuhejinrongjianduguanlilingyudeyunyong,tuidongjinrongkejichanpin、fuwuheshangyemoshideheguichuangxin,jianlijianquanyuchuangxinxiangshiyingdejianduguanlizhiduhexinxingjinrongfengxianfangkongjizhi。

disanshijiutiao xianjiyishangrenminzhengfuyingdangjianlijinrongrencaiduiwujianshezhangxiaojizhi,jiangjinrongrencaipeiyangheyinjinnarurencaizhichizhengcetixi,zaihukoudengji、zhufangbaozhang、zinvruxue、yiliaobaozhangdengfangmiantigongbianli。

第四十条 省人民政府及其有关部门应当推动金融信用环境建设,按照国家和省有关规定将市场主体相关信用信息纳入省公共信用信息服务平台。鼓励金融机构对其认定的信用状况良好的市场主体在贷款授信、费率利率、还款方式等方面给予优惠或者便利。

凯发备用网址 xiangguandanweihuozhegerenyineyitaofeijinrongzhaiwu、feifajizidengyanzhongweifaxingweibeixingzhengchufahuozherendingweifanzuide,yingdangyifajiangqilieruyanzhongshixinmingdan。

disishiyitiao gulidifangjinrongzuzhiyifajianlixingyezilvzuzhi,shixingzilvguanli。xingyezilvzuzhiyingdangtigongxingyetongyongxinxixitong、fengxianfangfanjizhidenggonggongxing、jichuxingzhichengfuwu,yizhaofalv、faguihezhangchengdeguidingkaizhanxingyefazhanyanjiu、chengxintixijianshe、xingyebiaozhunhuajianshe、zhiyejinengpeixunhehuiyuanquanyibaohudenggongzuo,bingjieshoudifangjinrongjianduguanli(gongzuo)bumenyewuzhidao。

第五章 法律责任

凯发备用网址 disishiertiao falv、fagui、bumenguizhangduixiangguandifangjinrongzuzhiweifaxingweiyiyoufalvzerenguidingde,yizhaoqiguidingzhixing;weizuoguidingde,yizhaobentiaoliguidingzhixing。

disishisantiao weifanbentiaolidijiutiaodiyikuanguiding,congshijinrongyewuweiyizhaoguidingqudexingzhengxukede,youshengdifangjinrongjianduguanlibumenzelingtingzhixiangguanyewu,meishouweifasuode,bingchuweifasuodesanbeiyishangwubeiyixiafakuan;meiyouweifasuodehuozheweifasuodebuzuwuwanyuande,chuwuwanyuanyishangershiwanyuanyixiafakuan。

weifanbentiaolidijiutiaodiyikuanguiding,congshijinrongyewuweiyizhaoguidingbanlibeiande,youshengdifangjinrongjianduguanlibumenzelingxianqigaizheng,chuwuwanyuanyishangshiwanyuanyixiafakuan。

disishisitiao weifanbentiaolidijiutiaodierkuan、dishibatiaodierkuanguiding,minjianrongzifuwuqiye、minjianjiedaidejiekuanrenbulvxingbeianyiwu,huozhetigongxujiabeiancailiaode,youshequdeshidifangjinronggongzuobumenzelingxianqigaizheng,anzhaoxialieguidingyuyichufa:

凯发备用网址 (yi)duiminjianrongzifuwuqiyechuyiwanyuanyishangsanwanyuanyixiafakuan;

凯发备用网址 (er)minjianjiedaidejiekuanrenweiziranrende,keyichuyiwanyuanyishangwuwanyuanyixiafakuan;weiqiye、qitazuzhide,keyichusanwanyuanyishangshiwanyuanyixiafakuan。

disishiwutiao weifanbentiaolidishiyitiaodiyikuan、dishiliutiao、dishiqitiaoguiding,difangjinrongzuzhiyouxialieqingxingzhiyide,youshengdifangjinrongjianduguanlibumenzelingxianqigaizheng;yuqibugaizhengde,chushiwanyuanyishangwushiwanyuanyixiafakuan;qingjieyanzhongde,jingyingxukezhenghefajiguankeyidiaoxiaoxiangguanjingyingxukezheng:

凯发备用网址 (yi)weizhixingyewuheguihefengxianguanlizhidude;

(er)weianzhaoguidingtishifengxiande;

凯发备用网址 (san)weianzhaoguidingpiluxinxide;

凯发备用网址 (si)piludexinxibufuheyaoqiude;

(wu)weianzhaoguidingjianlitouzizheshidangxingzhidude。

disishiliutiao weifanbentiaolidishisitiaodiyikuanguiding,shengwaizhuceshelidedifangjinrongzuzhiweianzhaoguidingbaogaoyewukaizhanqingkuangde,youshengdifangjinrongjianduguanlibumenzelingxianqigaizheng;yuqibugaizhengde,chuerwanyuanyishangershiwanyuanyixiafakuan。

disishiqitiao weifanbentiaolidishiwutiaodiyikuanguiding,difangjinrongzuzhiweibaosongxiangguancailiaohuozhebaogaoxiangguanshixiangde,youshengdifangjinrongjianduguanlibumenzelingxianqigaizheng;yuqibugaizhengde,chuerwanyuanyishangershiwanyuanyixiafakuan;tigongxujiacailiaohuozheyinmanzhongyaoshishide,chusanwanyuanyishangsanshiwanyuanyixiafakuan。

disishibatiao weifanbentiaoliguiding,difangjinrongzuzhijujue、zuaijiandujianchahuozhejujuezhixingxiangguanfengxianchuzhicuoshide,youshengdifangjinrongjianduguanlibumenzelingxianqigaizheng,chuyiwanyuanyishangshiwanyuanyixiafakuan;gouchengweifanzhianguanliguidingxingweide,yougonganjiguanyizhao《zhonghuarenmingongheguozhianguanlichufafa》yuyichufa。

disishijiutiao yizhaobentiaoliguidingduidifangjinrongzuzhishishichufade,shishichufadebumenkeyiduifuyouzerendefadingdaibiaoren、dongshi(lishi)、jianshi、gaojiguanlirenyuan、jingyingguanlirenyuanheqitazhijiezerenrenyuanjiyujinggao;yizhaobentiaoliguidingjiyudifangjinrongzuzhifakuanchufade,keyiduizerenrenyuanchudifangjinrongzuzhifakuanshuebaifenzhiwuyishangbaifenzhishiyixiafakuan。

diwushitiao bentiaoliguidingyoushengdifangjinrongjianduguanlibumenxingshidexingzhengchufa,shengdifangjinrongjianduguanlibumenkeyiweituofuhe《zhonghuarenmingongheguoxingzhengchufafa》guidingtiaojiandezuzhishishi。

第六章 附则

diwushiyitiao shengrenminzhengfuheshengdifangjinrongjianduguanlibumenkeyiyijufalv、xingzhengfagui、zhongyangjinrongguanlibumenjianduguanliguizeyijibentiaoliguiding,jiugeleidifangjinrongzuzhidejianduguanli、zhongdajinrongfengxianpandingbiaozhundengzhidingshishixize。

diwushiertiao bentiaolizi2020nian8yue1riqishixing。

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