国家发展计划委员会、财政部、国家经济贸易委员会、中国人民银行关于整顿企业抵押贷款收费的通知
国家计委 财政部
国家发展计划委员会、财政部、国家经济贸易委员会、中国人民银行关于整顿企业抵押贷款收费的通知
国家发展计划委员会 财政部 国
各省、自治区、直辖市物价局（委员会）、财政厅（局）、经贸委（计经委），各人
民银行分行：
目前，企业抵押贷款中存在着收费环节多、重复收费、乱收费及收费标准高的问题，不仅给企业造成了沉重的经济负担，也影响企业经营效率。因此，为贯彻落实《中共中央国务院关于进一步治理向企业乱收费、乱罚款和各种摊派等问题的决定》精神，整顿企业抵押贷款收费，切实减
轻企业负担，经国务院减轻企业负担部际联席会议批准，现就有关问题通知如下：
一、严格规范各项收费。企业办理抵押贷款过程中，除为保证贷款资金安全所必须履行的法定登记外，任何部门、单位都不得强制实施服务及收费，不得强迫企业到指定的机构接受服务及收费。办理抵押贷款需要进行评估、公证和鉴证的，应按照“谁委托、谁付费”的原则，由委托方
自行委托有资格的机构进行评估、公证、鉴证。
二、整顿行政性收费，对企业办理抵押贷款收费实行适当减收。
（一）企业办理抵押登记过程中，政府有关部门收取的验证费、查档费、建档费、现场勘察费、过期保管费、注销费、管理费、审查费、确认费等均属乱收费，一律予以取消。
（二）企业以土地使用权作为抵押物的，土地登记中的权属调查、地籍测绘费均按现行规定标准的50％—70％计收。土地界址点没有发生变化的不得收取地籍测绘费。企业以房屋产权作为抵押物的，登记费按现行规定标准的50％—70％计收。
具体减收幅度，由省级价格主管部门会同同级财政部门确定。
（三）以其他物品作为抵押物的，凡需履行登记手续的，除按规定收取证照工本费外，不得收取其它费用。
（四）企业抵押及贷款合同鉴证应坚持自愿委托原则，不得强制企业接受合同鉴证并收费。合同鉴证费按现行规定标准的50％计收。
三、加强对中介机构收费行为的监管，适当降低收费标准。
（一）评估、公证收费要坚持公正、公开的原则，向用户公开收费办法及收费标准，接受政府价格主管部门的检查和社会监督。
（二）土地评估收费，要严格执行现行土地使用权抵押评估减半收费的规定。房屋、国有资产评估收费，以及地方政府定价的其他各类评估收费，除已对抵押评估规定减半收费的外，均按现行规定收费标准的50％—70％计收。
房屋、国有资产抵押评估收费的具体减收幅度，由省级价格主管部门会同有关部门确定。
（三）对企业抵押及贷款合同进行公证的，按照现行规定收费标准的50％计收。
四、对抵押物进行评估，须以与贷款规模相适应的有效抵押物的评估金额为基数计取费用，不得采取扩大评估标的范围或虚高估价的方式多收费。
五、抵押物的抵押权益登记有效期限应与贷款期限相一致。在贷款期限内，评估、公证、鉴证机构不得再重复进行评估、公证、鉴证并收费。
六、企业抵押权益登记期满，继续利用同一抵押物申请抵押贷款续期的，除工本费外，不再收取抵押物登记费；委托前次评估机构和公证机构再次进行评估和公证的，其收费标准应在不超过规定收费标准30％的幅度内计收。
七、各商业银行应本着自愿原则，就抵押物保险事宜与贷款企业进行协商。企业已办理的保险能够保证抵押物安全的，银行不得要求企业再次保险。
八、各省、自治区、直辖市价格主管部门应会同有关部门于近期对本地区企业抵押贷款收费进行一次全面整顿，各级政府减轻企业负担办事机构要组织力量做好检查工作，坚决制止各种乱收费行为，对违反本通知规定的收费行为要严肃查处。
2000年1月10日
外国商会管理暂行规定(附英文)
国务院
外国商会管理暂行规定(附英文)
（1989年6月14日中华人民共和国国务院令第36号发布）
第一条 为了促进国际贸易和经济技术交往，加强对外国商会的管理，保障其合法权益，制定本规定。
第二条 外国商会是指外国在中国境内的商业机构及人员依照本规定在中国境内成立，不从事任何商业活动的非营利性团体。
外国商会的活动应当以促进其会员同中国发展贸易和经济技术交往为宗旨，为其会员在研究和讨论促进国际贸易和经济技术交往方面提供便利。
第三条 外国商会必须遵守中华人民共和国法律、法规的规定，不得损害中国的国家安全和社会公共利益。
第四条 成立外国商会，应当具备下列条件：
（一）有反映其会员共同意志的章程；
（二）有一定数量的发起会员和负责人；
（三）有固定的办公地点；
（四）有合法的经费来源。
第五条 外国商会应当按照国别成立，可以有团体会员和个人会员。
团体会员是以商业机构名义加入的会员。商业机构是指外国公司、企业以及其他经济组织依法在中国境内设立的代表机构和分支机构。
个人会员是商业机构和外商投资企业的非中国籍任职人员以本人名义加入的会员。
第六条 外国商会的名称应当冠其本国国名加上“中国”二字。
第七条 成立外国商会，应当通过中国国际商会提出书面申请，由其报送中华人民共和国对外经济贸易部（以下简称审查机关）审查。
审查机关应当在收到全部申请书件之日起六十天内完成审查，对于符合本规定第四条规定条件的，签发审查同意的证件；对于不符合前述条件的，退回申请。如有特殊情况，不能在规定期限内完成审查的，审查机关应当说明理由。
第八条 成立外国商会的书面申请，应当由外国商会主要筹办人签署，并附具下列文件：
（一）外国商会章程一式五份。章程应当包括下列内容：
1．名称和地址；
2．组织机构；
3．会长、副会长以及常务干事的姓名、身份；
4．会员的入会手续及会员的权利和义务；
5．活动内容；
6．财务情况。
（二）发起会员名册一式五份。团体会员和个人会员，应当分别列册。团体会员名册应当分别载明商业机构的名称、地址、业务范围和负责人姓名；个人会员名册应当分别载明本人所属商业机构或者外商投资企业、职务、本人简历或者在中国境内从事商业活动的简历。
（三）外国商会会长、副会长以及常务干事的姓名及其简历一式五份。
第九条 成立外国商会的申请经审查机关审查同意后，应当持审查同意的证件，依照本规定和有关法律、法规的规定，向中华人民共和国民政部（以下简称登记管理机关）办理登记。外国商会经核准登记并签发登记证书，即为成立。
第十条 外国商会应当在其办公地点设置会计帐簿。会员缴纳的会费及按照外国商会章程规定取得的其他经费，应当用于该外国商会章程规定的各项开支，不得以任何名义付给会员或者汇出中国境外。
第十一条 外国商会应当于每年1月通过中国国际商会向审查机关、登记管理机关提交上一年度的活动情况报告。
中国国际商会应当为外国商会开展活动和联系中国有关主管机关提供咨询和服务。
第十二条 外国商会需要修改其章程、更换会长、副会长以及常务干事或者改变办公地址时，应当依照本规定第七条、第八条和第九条规定的程序经审查同意，并办理变更登记。
第十三条 外国商会应当接受中国有关主管机关的监督。
外国商会违反本规定的，登记管理机关有权予以警告、罚款、限期停止活动，撤销登记、明令取缔的处罚。
第十四条 外国商会解散，应当持该外国商会会长签署的申请注销登记报告和清理债务完结的证明，向登记管理机关办理注销登记，并报审查机关备案。
外国商会自缴回登记证书之日起，即应停止活动。
第十五条 本规定自1989年7月1日起施行。
PROVISIONAL REGULATIONS FOR THE ADMINISTRATION OF FOREIGN CHAMBERSOFCOMMERCE IN CHINA
(Promulgated on June 14, 1989)
Whole Doc.
Article 1
The present Regulations are hereby formulated with the purpose of
promoting international trade and economic and technological exchanges,
strengthening the administration of foreign chambers of commerce in China
and protecting their lawful rights and interests.
Article 2
A foreign chamber of commerce in China refers to an organization
which is set up within the Chinese territory by foreign commercial
establishments and persons residing in the Chinese territory, does not
engage in any commercial activities and is not profit-making.
The activities of foreign chambers of commerce in China shall be
aimed at promoting trade and economic and technological cooperation
between their members and China and shall provide facilities to their
members in respect of studying and discussing how to develop international
trade and economic and technological cooperation.
Article 3
Foreign chambers of commerce in China must abide by the laws and
regulations of the People's Republic of China and shall not harm the
national security and social public interest of China.
Article 4
The following prerequisites are required for setting up a foreign
chamber of commerce in China:
(1) Possession of articles of association which reflect the common
intentions of the chamber's members;
(2) Requested by a certain number of sponsoring members and
executives;
(3) Availability of an established office; and
(4) Availability of lawful sources of funds.
Article 5
Foreign chambers of commerce in China shall be set up according to
country origin and may have both organization members and individual
members.
Organization members refer to those which join the chamber in the
name of commercial establishments. Commercial establishments refer to
representative offices and branches of foreign companies, enterprises and
other economic organizations lawfully established in the Chinese
territory.
Individual members refer to those who are staff members of
non-Chinese nationality working in commercial establishments and
enterprises with foreign investment and join the chamber in their own
name.
Article 6
The name of a foreign chamber of commerce in China shall be preceded
by the name of its own country plus the word "China".
Article 7
For the setting up of a foreign chamber of commerce in China, a
written application must be submitted through the China Chamber of
International Commerce to the Ministry of Foreign Economic Relations and
Trade (hereinafter referred as the Examination Authority) for examination.
The Examination Authority shall complete the examination within 60
days after receiving the written application and all the attached
documents mentioned in Article 8,and issue an approval certificate if the
prerequisites in Article 4 are met or reject the written application if
the above-mentioned prerequisites are not met. The Examination Authority
shall give explanations if the examination can not be completed within the
above fixed time range under special circumstances.
Article 8
The written application of a foreign chamber of commerce must be duly
signed by the chief sponsor with the following documents attached to it:
(1) Articles of association of the chamber in quintuplicate, in which
the following contents shall be included:
((1)) Name and address of the chamber;
((2)) Organizational structure of the chamber;
((3)) Names and status of the Chairman, Vice Chairmen and Managing
Director of the chamber;
((4)) Procedure for the admission of its members and the rights and
obligations of its members;
((5)) Activities of the chamber; and
((6)) Financial position of the chamber.
(2) A list of the sponsoring members of the chamber in quintuplicate
with the organization members and individual members listed separately.
For the organization members, the names, addresses, business scopes and
names of the executives shall be indicated. For the individual members,
the names of the commercial establishments or enterprises with foreign
investment to which the individual members belong, positions, personal
resumes or brief accounts of their commercial activities in China shall be
indicated.
(3) Names and resumes of the Chairman, Vice Chairmen and Managing
Director of the chamber in quintuplicate.
Article 9
After the written application for the setting up of a foreign chamber
of commerce in China has been examined and approved by the Examination
Authority, the chief sponsor shall, in accordance with the stipulations of
the present Regulations and other relevant laws and regulations, present
the approval certificate to the Ministry of Civil Affairs of the People's
Republic of China (hereinafter referred to as the Registration Authority)
for registration. A foreign chamber of commerce in China is deemed to be
in existence after it has been registered and a registration certificate
has been issued.
Article 10
A foreign chamber of commerce in China shall keep accounting books in
its office. Its membership fees and other funds obtained in accordance
with the stipulations of its articles of association shall be used to
cover the various expenses specified in its articles of association and
shall not, under any pretence, be used as payments to its members or
remitted out of the Chinese territory.
Article 11
Foreign chambers of commerce in China shall each submit in January of
every year a report on its activities in the previous year to the
Examination Authority and the Registration Authority through the China
Chamber of International Commerce.
The China Chamber of International Commerce shall provide foreign
chambers of commerce in China with consultancy services for their
activities and contacts with relevant Chinese authorities.
Article 12
When a foreign chamber of commerce in China needs to amend its
articles of association or change its Chairman, Vice Chairmen, Managing
Director or the address of its office, it must apply for examination and
approval and register for the changes through the procedures laid down in
Articles 7, 8 and 9.
Article 13
Foreign chambers of commerce in China shall accept the supervision of
relevant Chinese authorities.
Should a foreign chamber of commerce in China violate the present
Regulations, the Registration Authority has the right to decide on
punishments in the forms of fine, suspending its activities within a time
limit, revoking its registration or ordering to ban it.
Article 14
When a foreign chamber of commerce in China is to dissolve, it must
submit an application duly signed by its Chairman together with a
certificate proving the completion of its liquidation to the Registration
Authority for cancelling its registration and to the Examination Authority
for the record.
Any foreign chamber of commerce in China must stop its activities as
from the date when it returns its registration certificate to the
Registration Authority.
Article 15
The present Regulations shall come into effect as from July 1, 1989.
