【中英文对照版】商业汇票承兑、贴现与再贴现管理办法.docx

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1、【制定机关】 【发文字号】 【公布日期】 【施行日期】 【效力位阶】 【法规类别】(No. 4 2022)中国人民银行、中国银行保险监督管理委员会令商业汇票承兑、贴现与再贴 现管理办法已经2022年8 月24日中国人民银行2022年 第7次行务会议审议通过和中 国银行保险监督管理委员会审 签，现予发布，自2023年1 月1日起施行。中国人民银行行长易纲中国银保监会主席郭树清2022年11月11日商业汇票承兑、贴现与再贴现 管理办法商业汇票承兑、贴现与再贴现管理办法Measures for the Administration of Acceptance, Discount and Redisc

2、ount of Commercial Bills中国人民银行，中国银行保险监督管理委员会中国人民银行、中国银行保险监督管理委员会令（2022）第4号部门规章汇票，票据行为Issuing authority： Instrumentalities of the State Council,All Banks,Peoples Bank of China,All Commissions,China Banking and Insurance Regulatory CommissionDocument Number： Order No. 4 2022 of the Peoples Bank of Chi

3、na and the China Banking and Insurance Regulatory CommissionDate issued： 11-11-2022Effective date： 01-01-2023Level of Authority： Departmental RulesArea of Law： Negotiable Instruments,Negotiable InstrumentsOrder of the Peoples Bank of China and the China Banking and Insurance Regulatory Commission(12

4、022)第 4 号)The Measures for the Administration of Acceptance, Discount and Rediscount of Commercial Bills, as deliberated and adopted at the 7th executive meeting of the Peoples Bank of China for 2022 on August 24, 2022 and as examined and signed by the China Banking and Insurance Regulatory Commissi

5、on, are hereby issued, and shall come into force on January 1, 2023.Governor of the Peoples Bank of China: Yi GangChairman of the China Banking and Insurance Regulatory Commission: Guo ShuqingNovember 11,2022Measures for the Administration of Acceptance, Discount and Rediscount of Commercial Bills第一

6、章总则第一条为了规范商业汇 票承兑、贴现与再贴现业务， 根据中华人民共和国票据法 中华人民共和国中国人民银 行法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。第二条 本办法所称商业 汇票是出票人签发的，委托付 款人在见票时或者在指定日期 无条件支付确定的金额给收款 人或者持票人的票据，包括但 不限于纸质或电子形式的银行 承兑汇票、财务公司承兑汇票、 商业承兑汇票等。第三条电子商业汇票的 出票、承兑、贴现、贴现前的 背书、质押、保证、提示付款 和追索等业务，应当通过人民 银行认可的票据市场基础设施 办理。供应链票据属于电子商 业汇票。第四条本办法所称承兑

7、 是指付款人承诺在商业汇票到 期日无条件支付汇票金额的票 据行为。第五条本办法所称贴现 是指持票人在商业汇票到期日 前，贴付一定利息将票据转让 至具有贷款业务资质机构的行 为。持票人持有的票据应为依 法合规取得，具有真实交易关 系和债权债务关系，因税收、 继承、赠与依法无偿取得票据 的除外。Chapter I General PrinciplesArticle 1 For the purpose of regulating the acceptance, discount and rediscount of commercial bills, these Measures are develo

8、ped in accordance with the Negotiable Instruments Law of the Peoples Republic of China, the Law of the Peoples Republic of China on the Peoples Bank of China, the Banking Supervision Law of the Peoples Republic of China, the Law of the Peoples Republic of China on Commercial Banks, and other relevan

9、t laws and regulations.Article 2 For the purposes of these Measures, commercial bill” refers to a Ell issued by a drawer, entrusting a payer to unconditionally pay a fixed amount to the payee or holder at sight basis or on a specified date, including but not limited to bankers acceptance bill, accep

10、tance bill of a finance company, commercial acceptance bill, etc., in paper or electronic form.Article 3 The business of drawing, acceptance, discount, endorsement before discount, pledge, guarantee, presentation for payment and recourse shall be handled through the bill market infrastructure approv

11、ed by the Peoples Bank of China. Supply chain bills are electronic commercial bills.Article 4 For the purposes of these Measures, acceptance refers to the act that a payer promises to unconditionally pay the amount of a bill on the maturity date of a commercial bill.Article 5 For the purposes of the

12、se Measures, discount refers to the act that a holder transfers the commercial bill to an institution qualified for loan business by paying a certain amount of interest before the maturity date of a commercial bill. A bill held by a holder shall be obtained in compliance with laws and provisions, an

13、d there shall be authentic transaction relationship and debtor-creditor relationship, except for a bill obtained free of charge according to the law due to tax, inheritance or donation.第六条本办法所称再贴 现是指人民银行对金融机构持 有的已贴现未到期商业汇票予 以贴现的行为，是中央银行的 一种货币政策工具。第七条商业汇票的承 兑、贴现和再贴现，应当遵循 依法合规、公平自愿、诚信自 律、风险自担的原则。第二章承兑

14、第八条银行承兑汇票是 指银行和农村信用合作社承兑 的商业汇票。银行主要包括政 策性开发性银行、商业银行和 农村合作银行。银行承兑汇票 承兑人应在中华人民共和国境 内依法设立，具有银保监会或 其派出机构颁发的金融许可 证，且业务范围包含票据承兑。第九条财务公司承兑汇 票是指企业集团财务公司承兑 的商业汇票。财务公司承兑汇 票承兑人应在中华人民共和国 境内依法设立，具有银保监会 或其派出机构颁发的金融许可 证，且业务范围包含票据承兑。第十条商业承兑汇票是 由银行、农村信用合作社、财 务公司以外的法人或非法人组 织承兑的商业汇票。商业承兑 汇票承兑人应为在中华人民共 和国境内依法设立的法人及其 分支

15、机构和非法人组织。第十一条银行、农村信 用合作社、财务公司承兑人开 屈手巧xll/RvF.由吆亚枚由杏Article 6 For the purposes of these Measures, rediscount55 refers to the act of the Peoples Bank of China discounts a discounted but unmatured commercial bill held by a financial institution, which is a monetary policy instrument of the central bank

16、.Article 7 Acceptance, discount and rediscount of commercial bills shall follow the principles of law and compliance, fairness and free will, honesty and self-regulation, and assumption of risk.Chapter II AcceptanceArticle 8 Bank acceptance bills refer to commercial bills accepted by banks and rural

17、 credit cooperatives. Banks mainly include policy development banks, commercial banks and rural cooperative banks. An acceptor of a bankers acceptance bill shall be lawfully formed within the territory of the Peoples Republic of China, with a financial license issued by the China Banking and Insuran

18、ce Regulatory Commission or its local office, and with business scope including bill acceptance.Article 9 Acceptance bills of financial companies refer to commercial bills accepted by financial companies of enterprise groups. An acceptor of a finance companys acceptance bill shall be lawfully formed

19、 within the territory of the Peoples Republic of China, with a financial license issued by the China Banking and Insurance Regulatory Commission or its local office, and with business scope including bill acceptance.Article 10 Commercial acceptance bills are commercial bills accepted by legal person

20、s or unincorporated organizations other than banks, rural credit cooperatives and finance companies. An acceptor of a commercial acceptance bill shall be a legal person and its local office and an unincorporated organization formed in accordance with the law within the territory of the Peoples Repub

21、lic of China.Article 11 When conducting acceptance business, acceptors of banks, rural credit cooperatives and ficanca rnmnanioe ehall ctrirtlv/ nvaminn thn roal出票人的真实交易关系和债权 债务关系以及承兑风险，出票 人应当具有良好资信。承兑的 金额应当与真实交易关系和债 权债务关系、承兑申请人的偿 付能力相匹配。第十二条银行、农村信 用合作社、财务公司承兑的担 保品应当严格管理。担保品为 保证金的，保证金账户应当独 立设置，不得挪用或

22、随意提前 支取保证金。第十三条银行、农村信 用合作社、财务公司承兑业务 应当纳入存款类金融机构统一 授信管理和风险管理框架。第三章贴现和再贴现第十四条商业汇票的贴 现人应为在中华人民共和国境 内依法设立的、具有贷款业务 资质的法人及其分支机构。申 请贴现的商业汇票持票人应为 自然人、在中华人民共和国境 内依法设立的法人及其分支机 构和非法人组织。第十五条申请贴现的持 票人取得贴现票据应依法合 规，与出票人或前手之间具有 真实交易关系和债权债务关 系，因税收、继承、赠与依法 无偿取得票据的除外。第十六条持票人申请贴 现，须提交贴现申请、持票人 背书的未到期商业汇票以及能 够反映真实交易关系和债权

23、债 务关系的材料。transaction relationship, debtor-creditor relationship and acceptance risk of drawers, and drawers shall have sound credit. The amount accepted shall match the real transaction relationship, debtor-creditor relationship and solvency of an applicant for acceptance.Article 12 Collaterals acce

24、pted by banks, rural credit cooperatives and finance companies shall be strictly managed. If collateral is the margin, an account of margin shall be opened independently, and the margin shall not be misappropriated or withdrawn at will in advance.Article 13 The acceptance business of banks, rural cr

25、edit cooperatives and finance companies shall be incorporated into the unified credit management and risk management framework of depository financial institutions.Chapter III Discount and RediscountArticle 14 An applicant for discount of a commercial bill shall be a legal person formed within the t

26、erritory of the Peoples Republic of China with the qualification for loan business and its branch. Holders of commercial bills applying for discount shall be natural persons, legal persons formed within the territory of the Peoples Republic of China and their branches and unincorporated organization

27、.Article 15 A holder applying for discount shall obtain a discounted bill in compliance with the laws and regulations, and have authentic transaction relationship and debtor-creditor relationship with the drawer or the prior party, except for bills obtained free of charge according to the law due to

28、 tax, inheritance or donation.Article 16 To apply for discount, a holder shall submit the application for discount, the outstanding commercial bill endorsed by the holder and the materials that may reflect the authentic trading relationship and the debtor-creditor relationship.第十七条持票人可以通 过票据经纪机构进行票据

29、贴现 询价和成交，贴现撮合交易应 当通过人民银行认可的票据市 场基础设施开展。第十八条票据经纪机构 应为市场信誉良好、票据业务 活跃的金融机构。票据经纪机 构应当具有独立的票据经纪部 门和完善的内控管理机制，具 有专门的经纪渠道，票据经纪 业务与自营业务严格隔离。票 据经纪机构应当具有专业的从 业人员。第十九条转贴现业务按 照人民银行和银保监会票据交 易有关规定执行。第二十条办理商业汇票 贴现业务的金融机构，可以申 请办理再贴现业务。再贴现业 务办理的条件、利率、期限和 方式，按照人民银行有关规定 执行。第四章风险控制第二十一条金融机构应 当具备健全的票据业务管理制 度和内部控制制度，审慎开展

30、 商业汇票承兑和贴现业务，米 取有效措施防范市场风险、信 用风险和操作风险。第二十二条商业汇票的 承兑人和贴现人应当具备良好 的经营和财务状况，最近二年 不得发生票据持续逾期或者未 按规定披露信息的行为。商业 汇票承兑人对承兑的票据应当 具备到期付款的能力。Article 17 A holder may discount, inquire and conclude a transaction through a bill brokerage institution, and the discount matching transaction shall be carried out throu

31、gh the bill market infrastructure approved by the Peoples Bank of China.Article 18 A bill brokerage institution shall be a financial institution with sound market reputation and active bill business. A bill brokerage institution shall have an independent bill brokerage department, a sound internal c

32、ontrol and management mechanism, and a special brokerage channel, and strictly separate the brokerage business from the proprietary business. A bill brokerage institution shall have professional staff members.Article 19 The rediscount business shall be carried out in accordance with the relevant rul

33、es of the Peoples Bank of China and the China Banking and Insurance Regulatory Commission on bill transactions.Article 20 A financial institution that handles discount of a commercial b川 may apply for handling the rediscount business. The conditions, interest rates, terms and methods of rediscount b

34、usiness shall be governed by the relevant rules of the Peoples Bank of China.Chapter VI Risk ControlArticle 21 Financial institutions shall have a sound bill business management system and internal control system, prudently carry out commercial bill acceptance and discount business, and adopt effect

35、ive measures to prevent market risks, credit risks and operational risks.Article 22 An acceptor and discounter of a commercial bill shall be in sound business operation and financial conditions, without bills that are continually overdue or acts of failing to disclose information as required in the

36、most recent two years. An acceptor of a commercial bill shall have the ability of payment at maturity for bills accepted.第二十三条财务公司承 兑人所属的集团法人应当具备 良好的经营和财务状况，最近 二年不得发生票据持续逾期或 者未按规定披露信息的行为， 最近二年不得发生重大违法行 为，以及其他严重损害市场主 体合法权益或社会公共利益的 行为。第二十四条银行承兑汇 票和财务公司承兑汇票的最高 承兑余额不得超过该承兑人总 资产的15%o银行承兑汇票和 财务公司承兑汇票保证金余额

37、 不得超过该承兑人吸收存款规 模的10%。人民银行和银保监 会可以根据金融机构内控情况 设置承兑余额与贷款余额比例 上限等其他监管指标。第二十五条商业汇票的 付款期限应当与真实交易的履 行期限相匹配，自出票日起至 到期日止，最长不得超过6个 月。第五章信息披露第二十六条商业汇票信 息披露按照人民银行有关规定 执行，应当遵循及时、真实、 准确、完整的原则。第二十七条商业承兑汇 票承兑人和财务公司承兑汇票 承兑人应当按照人民银行规定 披露票据主要要素及信用信 息。银行承兑汇票承兑人应当 披露承兑人信用信息。Article 23 The legal person of the group owned

38、 by the acceptor of a finance company shall be in sound business operation and financial conditions, without bills that are continually overdue or acts of failing to disclose information as required in the most recent two years, and shall not, in the most recent two years, commit major illegal acts

39、or any other act that seriously damages the legitimate rights and interests of market participants or the social public interests.Article 24 The maximum acceptance balance of a bankers acceptance bill and a finance companys acceptance bill shall not exceed 15% of the total assets of the acceptor. Th

40、e balance of margin for a bankers acceptance bill and a finance companys acceptance bill shall not exceed 10% of the amount of deposits taken by the acceptor. The Peoples Bank of China and the China Banking and Insurance Regulatory Commission may, according to the internal control situation of finan

41、cial institutions, set other regulatory indicators such as the upper limit of the ratio of acceptance balance to loan balance.Article 25 The term of payment of a commercial bill shall match the term of performance of the real transaction. The maximum period from the date of drawing to the maturity d

42、ate shall not exceed six months.Chapter V Information DisclosureArticle 26 The disclosure of information on a commercial bill shall be governed by the relevant rules of the Peoples Bank of China and follow the principles of timeliness, truthfulness, accuracy and completeness.Article 27 An acceptor o

43、f a commercial acceptance bill and a finance companys acceptance bill shall, in accordance with the provisions of the Peoples Bank of China, disclose the main elements and credit information of the bill. An acceptor of a bankers acceptance bill shall disclose the acceptors credit information.第二十八条贴现

44、人办理 商业汇票贴现的，应当按照人 民银行规定核对票据披露信 息，信息不存在或者记载事项 与披露信息不一致的，不得为 持票人办理贴现。第二十九条商业汇票背 书转让时，被背书人可以按照 人民银行规定核对票据信息， 信息不存在或者记载事项与披 露信息不一致的，可以采取有 效措施识别票据信息真伪及信 用风险，加强风险防范。第三十条商业汇票承兑 人为非上市公司、在债券市场 无信用评级的，鼓励商业汇票 流通前由信用评级机构对承兑 人进行主体信用评级，并按照 人民银行有关规定披露相关信 /息、O第三十一条票据市场基 础设施按人民银行有关要求对 承兑人信息披露情况进行监 测，承兑人存在票据持续逾期 或披露信

45、息存在虚假、遗漏、 延迟的，票据市场基础设施应 根据业务规则采取相应处置措 施，并向人民银行报告。第六章监督管理第三十二条人民银行依 法监测商业汇票承兑和贴现的 运行情况，依法对票据市场进 行管理。第三十三条 人民银行、 银保监会按照法定职责对商业 汇票的承兑、贴现、风险控制 知隹自加需出疔必癖普那 AArticle 28 When discounting a commercial bill, a discounter shall, in accordance with the provisions of the Peoples Bank of China, check the bill di

46、sclosure information, and shall not discount the bill for the holder if the information does not exist or the recorded items are inconsistent with the disclosed information.Article 29 When transferring a commercial bill after endorsement, the endoree may, in accordance with the rules of the Peoples

47、Bank of China, check the bill information, and may adopt effective measures to identify the authenticity of the bill information and credit risks and strengthen risk prevention, if the information does not exist or the recorded items are inconsistent with the disclosed information.Article 30 If the

48、acceptor of a commercial bill is a non-listed company and has no credit rating in the bond market, a credit rating agency shall be encouraged to give the acceptor a corporate credit rating before circulation of the commercial bill, and disclose the relevant information in accordance with the relevan

49、t rules of the Peoples Bank of China.Article 31 The infrastructure of the bill market shall monitor the information disclosure of acceptors according to the relevant requirements of the Peoples Bank of China. If an acceptor has bills that are continually overdue or the information disclosed by the acceptor is false, omitted or