Legislative Updates (Issue 36) | 法宝双语新闻|163

【来源】北大法宝英文译本库

【责任编辑】Mani

【声明】本文由北大法宝编写，转载请注明来源。

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1. 银保监会严防涉黑涉恶组织和个人进入银行保险业

银保监会近日发布《中国银保监会关于银行业和保险业做好扫黑除恶专项斗争有关工作的通知》。

《通知》要求，各级监管机构要加强市场准入审查，严禁涉黑涉恶人员和组织参股、控股银行保险机构，严禁涉黑涉恶人员担任银行保险机构的董事、监事、高级管理人员。

《通知》明确，对银行业领域，要重点打击非法设立从事或主要从事发放贷款业务的机构或非法业务中的下述行为：利用非法集资资金发放民间贷款的；以故意伤害、非法拘禁、侮辱、恐吓、威胁、骚扰等非法手段催收贷款的；利用黑恶势力开展或协助开展的；套取金融机构信贷资金，再高利进行转贷的；面向在校学生非法发放贷款，发放无指定用途贷款，或以提供服务、销售商品为名，实际收取高额利息（费用）变相放贷的；银行业金融机构工作人员和公务员作为主要成员参与或实际控制人的。保险业领域要重点打击有组织的保险诈骗活动。

1. CBIRC Strictly Prevents Any Criminal Syndicate-related Organization or Individual from Entering the Banking and Insurance Industry

The China Banking and Insurance Regulatory Commission (CBIRC) recently issued the Notice of the China Banking and Insurance Regulatory Commission on Effectively Launching the Special Criminal Syndicate Combat in the Banking and Insurance Industry.

The Notice specifies that regulatory agencies at all levels should tighten the market access examination, prohibit any criminal syndicate-related organization or individual from investing in or controlling banks or insurers, and forbid any criminal syndicate-related individual from serving as a director, a supervisor or a senior executive in banks or insurers.

According to the Notice, in the banking sector, focuses should be placed on cracking down on illegally established institutions engaging or mainly engaging in the loan business, or the following illegal acts in illegal business: private lending by using illegally raised funds; demanding repayment of loans by illegal means such as intentional infliction of injury, false imprisonment, insult, intimidation, threat, and harassment; operating by using the crime syndicate or with its assistance; relending at a high interest rate the credit funds illegally obtained from financial institutions; illegally providing loans to students in school, providing loans without definite purposes, or providing loans in a disguise form with actual collection of excessive interest or fees in the service supply or sale of goods, and practitioners of banking financial institutions serving as major members or actual controllers. In the insurance sector, the organized insurance frauds should be a focus.

2. 《关于适用＜中华人民共和国保险法＞若干问题的解释（四）》发布

2018年5月14日，最高人民法院审判委员会审议通过《最高人民法院关于适用<中华人民共和国保险法>若干问题的解释（四）》，并将于2018年9月1日起施行。

《解释（四）》遵循四项原则：一是坚持以人为本，注重保护保险消费者合法权益；二是坚持平衡保护，促进保险业健康发展；三是尊重保险司法规律，恪守保险的一般原理；四是立足保险业发展现状，预留未来创新空间。

《解释（四）》共21个条文，主要包括以下四方面内容：（一）明确保险标的转让的相关问题；（二）明确保险合同主体的权利义务；（三）明确保险代位求偿权的相关问题；（四）明确责任保险的相关问题。
2. Interpretation IV on the Application of the Insurance Law Issued

On May 14, 2018, the Judicial Committee of the Supreme People's Court deliberated and adopted the Interpretation IV of the Supreme People's Court on Several Issues concerning the Application of the Insurance Law of the People's Republic of China, effective from September 1, 2018.

The Interpretation IV adheres to four principles: putting people first to protect the lawful rights and interests of insurance consumers, balanced protection for the healthy development of the insurance industry, respecting judicial principles and abiding by general principles of insurance, and reserving innovation space for the future based on the development status of the insurance industry.

With 21 articles in total, the Interpretation IV mainly specifies issues concerning the assignment of the subject matter insured, rights and obligations of parties to an insurance contract, insurance subrogation, and liability insurance.

3. 《行政事业性收费标准管理办法》发布

国家发展改革委、财政部日前印发《行政事业性收费标准管理办法》。

《办法》明确，收费标准实行中央和省两级审批制度。未列入行政事业性收费目录清单的收费项目，一律不得审批收费标准。重要收费项目的收费标准应当由国务院价格、财政部门审核后报请国务院批准。地域成本差异较大的全国或者区域范围内实施的收费标准，国务院价格、财政部门可以授权省级政府价格、财政部门审批。专业性强且类别较多的考试、注册等收费，省级以上政府价格、财政部门可以制定收费标准的上限，由行业主管部门在上限范围内确定具体收费标准。

《办法》要求，除涉及国家秘密外，价格、财政部门应当及时将审批的收费标准告知申请单位，并向社会公布。
3. Measures for the Administration of Administrative Charging Standards Issued

The National Development and Reform Commission and the Ministry of Finance recently issued the Measures for the Administration of Administrative Charging Standards.

The Measures clarify that the charging standards should be subject to a central and provincial two-level examination and approval system. For any charging item not on the list of administrative charges, its charging standards should not be examined and approved. The standards for important charging items should be reported to the State Council for approval after being examined by its price and finance departments. For the charging standards with regional disparity in costs across the country or in a certain area, the price and finance departments of the State Council may authorize the provincial relevant departments to conduct the examination and approval. For such charges as those for highly specialized examination and registration with various types, the price and finance departments at or above the provincial level may set upper limits for the charging standards, and competent departments should determine the specific standards within the scope.

The Measures also require that, unless any state secret is involved, the price and finance departments should notify applicants of the approved charging standards in a timely manner, and announce it to the public.

4. 《关于依法妥善审理民间借贷案件的通知》发布

最高法日前下发《关于依法妥善审理民间借贷案件的通知》。

《通知》要求各级人民法院充分发挥民商事审判工作的评价、教育、指引功能，妥善审理民间借贷纠纷案件，防范化解各类风险。

《通知》提出，要加大对借贷事实和证据的审查力度；要严格区分民间借贷行为与诈骗等犯罪行为；要依法严守法定利率红线；要建立民间借贷纠纷防范和解决机制。
4. SPC calls for Properly Trying Private Lending Cases

The Supreme People's Court (SPC) recently issued the Notice on Properly Trying Private Lending Cases according to the Law.

The Notice requires people's courts at all levels to give full play to the evaluation, education and guidance function of civil and commercial trials, properly try cases of private lending disputes, and prevent and dissolve all kinds of risks.

According to the Notice, the review on lending facts and evidence should be strengthened; the private lending and such criminal acts as fraud should be strictly distinguished; the red lines for legal interest rates should be strictly adhered to according to the law; and the mechanism for preventing and settling disputes over private lending should be established.

5. 《关于对失信主体加强信用监管的通知》发布

8月2日，发改委办公厅、人民银行办公厅发布了《关于对失信主体加强信用监管的通知》。《通知》自发布之日起试行，有效期截至2020年12月31日。

《通知》要求一方面要促使失信主体加快整改失信行为、消除不良影响、修复自身信用；另一方面要加大失信成本，引导各类主体依法诚信经营，保持良好的信用记录。

《通知》明确，对失信主体加强信用监管，必须要督促失信主体限期整改，规范开展失信提示和警示约谈，有序推动失信信息社会公示，加强失信信息广泛共享，加强失信信息定向推送，全面落实失信联合惩戒措施，追溯失信单位负责人责任。此外，《通知》还规定了引导失信主体开展公开信用承诺，建立失信主体提交信用报告制度，积极稳妥开展信用修复等措施。
5. Notice on Strengthening Credit Regulation on Dishonest Participants Issued

On August 2, the General Office of the National Development and Reform Commission and the General Office of the People's Bank of China issued the Notice on Strengthening Credit Regulation on Dishonest Participants, which came into force on a trial basis upon issuance and remain in force until December 31, 2020.

The Notice requires that, on one hand, dishonest entities should be urged to speed up the rectification of their dishonest acts, eliminate the adverse impacts and repair their own credit; on the other hand, the cost of dishonesty should be raised to guide all kinds of entities to operate in good faith according to the law and maintain a good credit record.

According to the Notice, the credit regulation on dishonest parties must be enhanced by urging them to take corrective action within a prescribed time limit, giving them a warning or dimonishment interview in a regulated manner, orderly promoting the dishonesty information disclosure, strengthening the wide-ranging sharing of dishonesty information, intensifying the targeted push of dishonesty information, comprehensively implementing the joint punishment measures against dishonest acts, tracing the responsibilities of their persons in charge, directing them to make public credit commitments, establishing the system of submiting a credit report, and actively and steadily carrying out the credit restoration, among others.

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