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中国建设银行关于进一步加强房地产贷款管理的通知

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中国建设银行关于进一步加强房地产贷款管理的通知

建设银行


中国建设银行关于进一步加强房地产贷款管理的通知
建设银行



近几年来,我行房地产贷款业务取得很大发展。截至今年3月底,全行房地产贷款余额已达1210亿元,有力地支持了房地产业的发展和住房制度改革,奠定了我行在房地产金融领域的领先地位。随着房地产贷款业务的不断发展,各级行在加强管理,提高管理水平和经营效益,提高
贷款资产质量等方面做了大量工作,取得了较大成绩。但总体上看,还有很多问题,突出表现在管理意识不强,管理手段不足,管理深度不够,严重地影响了贷款资产质量,使得非正常贷款比重过大,资金周转速度缓慢,应收未收贷款利息偏多。随着银行经营机制的转变和金融竞争的日趋
激烈,加强房地产贷款管理,提高经营管理水平和贷款资产质量,已迫在眉睫。为此,特就进一步加强房地产贷款管理的有关事项通知如下:
一、统一思想认识,进一步加强管理,努力提高房地产贷款管理水平和贷款资产质量。现代商业银行的竞争,是管理水平的竞争,是经营效益的竞争,贷款资产质量的优劣,反映了这种竞争的结果。各级行一定要树立商业银行经营意识,采取有力措施,狠抓管理,提高房地产贷款的管
理水平和经营效益,优化房地产贷款的资产质量,增强我行在房地产金融领域的竞争实力。
二、全面实行贷款风险管理,切实防范贷款风险。各级行要按照总行关于贷款风险管理方面的统一要求,全面推行房地产贷款风险管理。一是要根据《中国人民建设银行贷款风险管理办法》,在总结试点经验的基础上,结合本地区实际和房地产贷款特点,制定房地产贷款风险管理实施
细则,使工作开展有所遵循;二是要结合风险管理开展信用评定工作,为风险管理提供基础数据;三是要进行房地产贷款存量的风险界定工作,要测算出每笔存量贷款的风险度及各级行的房地产贷款综合风险度,对处于高风险状态的存量贷款,要制定风险转化措施和进度,汇总分析后于7
月底前报总行,作为核定贷款审批权限的依据;四是新发放的贷款都要实行风险管理,首先做到优化贷款增量。今后,凡属高风险贷款,未经有权行批准,一律不得发放。
三、消除不良贷款资产,努力盘活资金存量。要在全面清理贷款资产的基础上,区别不同情况,采取相应措施,把资金存量盘活。要努力压缩现有逾期贷款比重,控制新的逾期贷款形成。今年,各行贷款逾期率都要在上年度基础上有所压缩,年末全行房地产贷款逾期率力争控制在13
.2%以内。要加大对呆滞贷款的回收力度,必要时应采取法律手段,以维护银行自身权益。要做好呆帐贷款核销工作,对符合条件的呆帐贷款,要按照规定尽快核销。到今年6月底止,凡不良贷款比例超过25%的行,要制定转化方案,于7月底前报总行;凡不良贷款比例超过30%的
行,一律不得发放新贷款,确需发放的贷款,必须报总行审批。
四、狠抓贷款利息清收工作,提高经营效益。贷款利息的虚收严重影响银行的经济效益,制约银行自身的积累和发展。各行要在清收不良贷款的同时,逐户摸清贷款利息欠收情况,制定计划,确定重点,采取措施,积极组织催收。对欠息不还的借款户,一律不发放新贷款。今年,各行
房地产贷款应收利息实收率要达到85%。
五、采取有效措施,做好贷款资产保全工作。一是要逐步减少信用贷款的比重。新发放的房地产贷款都要采取担保方式,特别是要提高抵押贷款发放的比重。对存量中的信用贷款,也要力争补办担保手续;二是要保证担保的有效性。对保证贷款,要加强对保证人担保能力和信誉的审查
,取消一般保证,全面实行连带责任保证方式。对抵押贷款,要严格按规定办理抵押登记,确保抵押行为的合法、有效;三是要重视贷款后期管理。要密切注视企业的贷款使用情况和经营状况,对贷款企业的转制或破产工作,要主动提前介入,采取有效措施,保证我行贷款资产的安全。
六、努力优化贷款结构,合理把握贷款投向。房地产贷款实行效益优先原则,重点支持经济效益好、发展潜力大、还本付息能力强、资信等级高的企业和项目。当前,房地产贷款的重点是国家安居工程、“经济适用房”和各类普通居民住宅及其配套设施的开发建设。严禁向高档宾馆、
高级写字楼、高消费娱乐设施、豪华别墅等国家限制的房地产开发项目发放贷款。要大力发展个人住房贷款业务,逐步提高其在整个房地产贷款总量中的比重。今年,各行新增的贷款和盘活的贷款,要优先用于发放个人住房贷款。
七、实行贷款限上报批制度,全面推行房地产贷款工作达标考核。各级行要严格按照规定权限审批发放贷款,限额以上的贷款必须报有权行审批,不得将贷款划整为零,越权审批,否则,核减乃至取消其房地产贷款审批权。各省级分行要按规定核定今年所属地(市)级行和县级行的房
地产贷款审批限额,并于7月底前报总行备案,凡不核定或核定后不报总行备案的,明年不对其核定房地产贷款审批权;要实行审贷分离制度,建立贷款的评审、决策、发放、回收等各环节的工作责任制,建立贷款监测制度,对贷款业务进行全过程的监控,并对信贷资产质量的变化趋势作
出预警信号,及时发现问题,采取防范措施;要全面开展房地产贷款达标考核工作,各级行要认真做好达标考核的各项准备工作,按照规定的时间和权限,对今年的房地产贷款工作达标等级进行评定。
八、加强基础工作,建立健全贷款管理制度。要按照《建设银行房地产贷款管理办法(试行)》、《建设银行房地产贷款工作达标考核办法(试行)》和《建设银行房地产贷款业务情况表》的要求,结合本地实际情况,建立贷款审批管理制度、贷款工作达标考核制度、贷款业务情况统
计制度、贷款工作报告制度、贷款业务档案及相应的贷款台帐等,实现贷款管理工作的系统化、制度化、规范化。
九、加强业务培训,提高信贷人员素质。要根据房地产贷款业务的发展需要,制定培训计划,采取多种形式,对房地产信贷人员进行商业银行经营管理、房地产金融、法律法规等方面的培训,不断提高房地产信贷人员的政策水平和业务技能。



1996年6月12日
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国家工商行政管理局商标局关于申请商标注册不再允许填报商品和服务类似群名称的决定

国家工商行政管理局商标局


国家工商行政管理局商标局关于申请商标注册不再允许填报商品和服务类似群名称的决定
国家工商行政管理局商标局




各省、自治区、直辖市及计划单列市工商行政管理局,各商标代理组织:
实行新的商标注册收费标准后,商标注册申请工作总的情况是好的,但在填报商品或服务项目方面还存在一些问题,主要是对一些可以填报类似群名称的商品或服务项目数量计算难以规范,导致我局审查人员与商标注册申请人或代理人在填报商品和服务项目数量计算方面的看法不一致
,造成了商标注册申请退文量的增加,不利于商标注册申请人及时获得商标权利。
我局编印的《类似商品区分表》和《类似服务区分表》中的类似群名称,主要是为在商标审查和商标管理工作中划分类似商品时使用的一个导向性名称,并且不少类似群名称也不十分准确规范。为此,经研究,我局规定,从7月1日起,申请商标注册不再允许填报商品和服务类似群名
称,一律填报具体商品和服务项目名称。
在执行中有什么问题请及时与我局申请处联系。



1996年6月17日

BILLS OF EXCHANGE ORDINANCE ——附加英文版

Hong Kong


BILLS OF EXCHANGE ORDINANCE
 (CHAPTER 19)
 ARRANGEMENT OF SECTIONS
  
  ion
  I    PRELIMINARY PROVISIONS
  hort title
  nterpretation
  II    BILLS OF EXCHANGE
  and Interpretation
  efinition of bill of exchange
  nland and foreign bills
  ffect where different parties to bill are the same person
  ddress to drawee
  ertainty required as to payee
  hat bills are negotiable
  um payable
  Bill payable on demand
  Bill payable at future time
  Omission of date in bill payable after date
  Ante-dating and post-dating
  Computation of time of payment
  Referee in case of need
  Optional stipulations by drawer or indorser
  Definition and requisites of acceptance
  Time for acceptance
  General and qualified acceptance
  Inchoate instruments
  Delivery
  city and authority of parties
  Capacity of parties
  Signature essential to liability
  Forged or unauthorized signature
  Procuration signature
  Person signing as agent or in representative capacity
  Corporate signatures
  ideration for bill
  Value and holder for value
  Accommodation party
  Holder in due course
  Presumption of value and good faith
  
  tiation of bill
  Negotiation of bill
  Requisites of valid indorsement
  Conditional indorsement
  Indorsement in blank and special indorsement
  Restrictive indorsement
  Negotiation of overdue or dishonoured bill
  Negotiation of bill to party already liable thereon
  Rights and powers of holder
  ral duties of the holder
  When presentment for acceptance is necessary
  Time for presenting bill payable after sight
  Rules as to presentment for acceptance, and excuses for non-
  entment
  Non-acceptance
  Dishonour by non-acceptance and its consequences
  Duties as to qualified acceptances
  Rules as to presentment for payment
  Excuses for delay or non-presentment for payment
  Dishonour by non-payment
  Notice of dishonour and effect of non-notice
  Rules as to notice of dishonour
  Excuses for non-notice and delay
  Noting or protest of bill
  Duties of holder as regards drawee or acceptor
  ilities of parties
  Funds in hands of drawee
  Liability of acceptor
  Liability of drawer or indorser
  Stranger signing bill liable as indorser
  Measure of damages against parties to dishonoured bill
  Transferor by delivery and transferee
  harge of bill
  Payment in due course
  Banker paying demand draft whereon indorsement is forged
  Acceptor the holder at maturity
  Express waiver
  Cancellation
  Alteration of bill
  ptance and payment for honour
  Acceptance for honour supra protest
  Liability of acceptor for honour
  Presentment to acceptor for honour
  Payment for honour supra protest Lost instrument
  Holder's right to duplicate of lost bill
  Action on lost bill
  in a set
  Rules as to bill in set
  lict of laws
  Rules where laws conflict
  
  III   CHEQUES ON A BANKER
  Definition of cheque
  Presentment of cheque for payment
  Revocation of banker's authority Crossed cheques
  Definition of general and special crossings
  Crossing by drawer or after issue
  Crossing a material part of cheque
  Duties of banker as to crossed cheque
  Protection to banker and drawer where cheque is crossed
  Effect of crossing on holder
  Drafts on bankers payable to order on demand sufficient authority
for
  ent without proof of indorsement
  Protection of bankers paying unindorsed or irregularly indorsed
  ues, etc.
  Rights of bankers collecting cheques not indorsed by
  ers
  Unindorsed cheques as evidence of payment
  Protection of bankers collecting payment of cheques, etc.
  Application of provisions of this part to instruments not being
bills
  xchange
  Saving
  IV    PROMISSORY NOTES
  Definition of promissory note
  Delivery necessary
  Joint and several notes
  Note payable on demand
  Presentment for payment
  Liability of maker
  Application of Part II to notes
  V    SUPPLEMENTARY
  Good faith
  Signature
  Computation of time
  When noting equivalent to protest
  Protest when notary not accessible
  Crossing of dividend warrant
  Saving
  dule. Form of protest, without notary
  odify the law relating to bills of exchange, cheques and
promissory
  s. [4 May 1885]
 PART I PRELIMINARY PROVISIONS
  
  ed 51 of 1911; 63 of 1911 Schedule)
  hort title
  Ordinance may be cited as the Bills of Exchange Ordinance.
  nded 5 of 1924 s. 6)
  1882 c. 61 s. 1U. K.]
  nterpretation
  his Ordinance, unless the context otherwise requires--
  eptance" means an acceptance completed by delivery or
notification;
  ion" means action or suit and includes counterclaim and set-off;
  ker" includes a body of persons, whether incorporated or 
not, who
  y on the business of banking;
  krupt" includes any person whose estate is vested in a 
trustee or
  gnee under the law relating to bankruptcy; (Amended 50 of 1911;
62 of
  Schedule)
  rer" means the person in possession of a bill or note
  h is payable to bearer;
  l" means bill of exchange, and "note"
  s promissory note;
  ivery" means transfer of possession, actual or
  tructive, from one person to another;
  eral holiday" has the same meaning as in the Holidays Ordinance 
(Cap.
  ; (Added 5 of 1912 s. 8)
  der" means the payee or indorsee of a bill or note who 
is in
  ession of it, or the bearer thereof;
  orsement" means an indorsement completed by delivery;
  ue" means the first delivery of a bill or note, complete in form,
to a
  on who takes it as a holder;
  son" includes a body of persons, whether incorporated or not;
  ue" means valuable consideration.
  nded 43 of 1912 Schedule)
  1882 c. 61 s. 2 U. K.]
 PART II BILLS OF EXCHANGE
  
  nded 51 of 1911; 63 of 1911 Schedule)
  and Interpretation
  efinition of bill of exchange
  A bill of exchange is an unconditional order in writing, addressed 
by
  person to another, signed by the person giving it, 
requiring the
  on to whom it is addressed to pay on demand or at a 
fixed or
  rminable future time a sum certain in money to, or to the order
of, a
  ified person or to bearer.
  An instrument which does not comply with these conditions, or 
which
  rs any act to be done in addition to the payment of money, is 
not a
  of exchange.
  An order to pay out of a particular fund is not
  nditional within the meaning of this section; but an unqualified
order
  ay, coupled with--
  an indication of a particular fund out of which the drawee 
is to
  burse himself or a particular account to be debited with the 
amount;
  
  a statement of the transaction which gives rise to the 
bill, is
  nditional.
  A bill is not invalid by reason--
  that it is not dated;
  that it does not specify the value given or that any value has 
been
  n therefor;
  that it does not specify the place where it is drawn
  he place where it is payable.
  1882 c. 61 s. 3 U. K.]
  nland and foreign bills
  An inland bill is a bill which is or on the face of it purports
to be-
  
  both drawn and payable within the Colony; or
  drawn within the Colony, upon some person resident therein.
  Any other bill is a foreign bill.
  Unless the contrary appears on the face of the bill, the holder 
may
  t it as an inland bill.
  1882 c. 61 s. 4 U. K.]
  ffect where different parties to bill are the same person
  A bill may be drawn payable to, or to the order of, the drawer;
or it
  be drawn payable to, or to the order of, the drawee.
  Where, in a bill, drawer and drawee are the same person, or where 
the
  ee is a fictitious person or a person not having capacity to
contract,
  holder may treat the instrument, at his option, either as a 
bill of
  ange or as a promissory note. [cf. 1882 c. 61 s. 5 U. K.]
  ddress to drawee
  The drawee must be named or otherwise indicated in a 
bill with
  onable certainty.
  A bill may be addressed to two or more drawees,
  her they are partners or not, but an order addressed to two drawees
in
  alternative, or to two or more drawees in succession, is not a
bill of
  ange.
  1882 c. 61 s. 6 U. K.]
  
  ertainty required as to payee
  Where a bill is not payable to bearer, the payee must be 
named or
  rwise indicated therein with reasonable certainty.
  A bill may be made payable to two or more payees jointly, or it
may be
  payable in the alternative to one of two or one or some of 
several
  es. A bill may also be made payable to the bolder of an office
for the
  being.
  Where the payee is a fictitious or non-existing person, the bill 
may
  reated as payable to bearer.
  1882 c. 61 s. 7 U. K.]
  hat bills are negotiable
  Where a bill contains words prohibiting transfer, or 
indicating an
  ntion that it should not be transferable, it is valid as between 
the
  ies thereto, but is not negotiable.
  A negotiable bill may be payable either to order or to bearer.
  A bill is payable to bearer which is expressed to be so payable,
or on
  h the only or last indorsement is an indorsement in blank.
  A bill is payable to order which is expressed to be so payable, 
or
  h is expressed to be payable to a particular person, and 
does not
  ain words prohibiting transfer or indicating an intention 
that it
  ld not be transferable.
  Where a bill, either originally or by
  rsement, is expressed to be payable to the order of a 
specified
  on, and not to him or his order, it is nevertheless payable to
him or
  order at his option.
  1882 c. 61 s. 8 U. K.]
  um payable
  The sum payable by a bill is a sum certain within the meaning of 
this
  nance, although it is required to be paid--
  with interest;
  by stated instalments;
  by stated instalments, with a provision that, upon default in 
payment
  ny instalment, the whole shall become due;
  according to an indicated rate of exchange or according to a rate 
of
  ange to be ascertained as directed by the bill.
  Where the sum payable is expressed in words and also in figures, 
and
  e is a discrepancy between the two, the sum denoted by the words 
is
  amount payable.
  Where a bill is expressed to be payable with
  rest, unless the instrument otherwise provides, interest runs
from the
  of the bill, and, if the bill is undated, from the issue thereof.
  1882 c. 61 s. 9 U. K.]
  Bill payable on demand
  A bill is payable on demand--
  which is expressed to be payable on demand, or at sight, 
or on
  entation; or
  in which no time for payment is expressed.
  Where a bill is accepted or indorsed when it is overdue, it shall, 
as
  rds the acceptor who so accepts or any indorser who so indorses
it, be
  ed a bill payable on demand.
  1882 c. 61 s. 10 U. K.]
  
  Bill payable at future time
  A bill is payable at a determinable future time within the meaning 
of
  Ordinance which is expressed to be payable--
  at a fixed period after date or sight;
  on or at a fixed period after the occurrence of a specified 
event
  h is certain to happen, though the time of happening may be
uncertain.
  An instrument expressed to be payable on a contingency is not a 
bill,
  the happening of the event does not cure the defect.
  1882 c. 61 s. 11 U. K.]
  Omission of date in bill payable after date
  e a bill expressed to be payable at a fixed period after 
date is
  ed undated, or where the acceptance of a bill payable at a 
fixed
  od after sight is undated, any holder may insert therein the true
date
  ssue or acceptance, and the bill shall be payable 
accordingly:
  ided that--
  where the holder in good faith and by mistake inserts a wrong 
date;
  
  n every case where a wrong date is inserted, if the bill
  equently comes into the hands of a holder in due course, the 
bill
  l not be avoided thereby, but shall operate and be payable as if 
the
  so inserted had been the true date. [cf. 1882 c. 61 s. 12 U. K.]
  Ante-dating and post-dating
  Where a bill or an acceptance or any indorsement on a bill is 
dated,
  date shall, unless the contrary is proved, be deemed to be the 
true
  of the drawing, acceptance, or indorsement, as the case may be.
  A bill is not invalid by reason only that it is ante-dated or 
post-
  d, or that it bears date on a Sunday or any other general holiday.
  nded 5 of 1912 s. 8) [cf. 1882 c. 61 s. 13 U. K.]
  Computation of time of payment
  e a bill is not payable on demand, the day on which it falls due 
is
  rmined as follows--
  the bill is due and payable in all cases on the last day of the 
time
  ayment as fixed by the bill or, if that is a general holiday, on 
the
  eeding business day; (Replaced 67 of 1972 s. 2) [cf. 1971 c. 80
s. 3
  U. K.]
  where a bill is payable at a fixed period after date, after sight, 
or
  r the happening of a specified event, the time of 
payment is
  rmined by excluding the day from which the time is to begin to
run and
  ncluding the day of payment;
  where a bill is payable at a fixed
  od after sight, the time begins to run form the date of the
acceptance
  he bill is accepted, and from the date of noting or protest if 
the
  is noted or protested for non-acceptance or for non-delivery;
  the
  "month" in a bill means calendar month.
  1882 c. 61 s. 14 U. K.]
  Referee in case of need
  drawer of a bill and any indorser may insert therein the name 
of a
  on to whom the holder may resort in case of need, that is to say, 
in
  the bill is dishonoured by non-acceptance or non-payment. Such
person
  alled the referee in case of need. It is in the option of the 
holder
  esort to the referee in case of need or not, as he may think fit.
  1882 c. 61 s. 15 U. K.]
  
  Optional stipulations by drawer or indorser
  drawer of a bill and any indorser may insert therein an 
express
  ulation--
  negativing or limiting his own liability to the holder;
  waiving, as regards himself, some or all of the holder's duties. 
[cf.
  c. 61 s. 16 U. K.]
  Definition and requisites of acceptance
  The acceptance of a bill is the signification by the drawee of 
his
  nt to the order of the drawer.
  An acceptance is invalid unless it complies with the 
following
  itions, namely--
  it must be written on the bill and be signed by
  drawee. The mere signature of the drawee, without additional
words, is
  icient;
  it must not express that the drawee will perform his promise by 
any
  r means than the payment of money.
  1882 c. 61 s. 17 U. K.]
  Time for acceptance
  A bill may be accepted--
  before it has been signed by the drawer, or while 
otherwise
  mplete;
  when it is overdue, or after it has been dishonoured by a
  ious refusal to accept or by non-payment.
  When a bill payable after sight is dishonoured by non-acceptance, 
and
  drawee subsequently accepts it, the holder, in the absence 
of any
  erent agreement, is entitled to have the bill accepted as of the 
date
  irst presentment of the drawee for acceptance.
  nded 51 of 1911; 63 of 1911 Schedule)
  1882 c. 61 s. 18 U. K.]
  General and qualified acceptance
  An acceptance is either (a) general; or (b) qualified.
  A general acceptance assents without qualification to the order
of the
  er. A qualified acceptance in express terms varies the effect of 
the
  as drawn.
  In particular, an acceptance is qualified which is--
  conditional, that is to say, which makes payment by the 
acceptor
  ndent on the fulfilment of a condition therein stated,
  partial, that is to say, an acceptance to pay part only of the 
amount
  which the bill is drawn;
  local, that is to say, an acceptance to pay only at a 
particular
  ified place; an acceptance to pay at a particular place is a 
general
  ptance, unless it expressly states that the bill is to be paid 
there
  and not elsewhere;
  qualified as to time;
  the acceptance of some one or more of the drawees, but not of all.
  1882 c. 61 s. 19 U. K.]
  
  Inchoate instruments
  Where a simple signature on a blank paper is delivered by the 
signer
  rder that it may be converted into a bill, it operates as a 
prima
  e authority to fill it up as a complete bill for any amount, using
the
  ature for that of the drawer, or the acceptor, or an indorser;
and, in
  manner, when a bill is wanting in any material particular, the
person
  ossession of it has a prima facie authority to fill up the omission
in
  way he thinks fit. (Amended 31 of 1981 s. 65)
  In order that any such instrument, when completed, may be 
enforceable
  nst any person who became a party thereto prior to its completion, 
it
  be filled up within a reasonable time and strictly in accordance
with
  authority given. Reasonable time for this purpose is a 
question of
  : Provided that if any such instrument after completion is 
negotiated
  holder in due course, it shall be valid and effectual 
for all
  oses in his hands, and he may enforce it as if it had been filled 
up
  in a reasonable time and strictly in accordance with the 
authority
  n. [cf. 1882 c. 61 s. 20 U. K.]
  Delivery

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