Guidelines for the Syndicated Loan Business

银团贷款业务指引

The Guidelines targets four major improvements on the financial structure of the banking industry: financial services, loan models, risk management, and inter-bank cooperation.

(Issued by the China Banking Regulatory Commission on, and effective as of, August 11 2007.)

Yin Jian Fa [2007] No.68

PART ONE: GENERAL PROVISIONS

Article 1: These Guidelines have been formulated pursuant to laws and regulations such as the PRC Banking Regulation Law, the PRC Commercial Banking Law, the PRC Contract Law and the PRC Security Law in order to promote and regulate the syndicated loan business, spread credit risks, promote cooperation in the banking sector and better provide financing services to key enterprises and projects.

(中国银行业监督管理委员会于二零零七年八月十一日公布，自公布之日起实施。)

银监发 [2007] 68号

第一章 总则

第一条 为促进和规范银团贷款业务，分散授信风险，推动银行同业合作，更好地为重点企业和项目提供融资服务，根据《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》、《中华人民共和国合同法》、《中华人民共和国担保法》等法律法规，特制定本指引。

Article 2: These Guidelines shall apply to banks and non-bank financial institutions that are established within the territory of China with the approval of the China Banking Regulatory Commission (Banks) and that engage in loan business.

第二条 本指引适用于在中国境内经银监会批准设立并经营贷款业务的银行和非银行金融机构（以下简称银行）。

Article 3: The term "syndicated loan" means the business whereby two or more Banks extend a renminbi or foreign currency denominated loan or credit to a borrower via the agent Bank at the specified time and in the specified percentages based on the same loan terms and conditions and pursuant to the same loan agreement.

第三条 银团贷款是指由两家或两家以上银行基于相同贷款条件，依据同一贷款协议，按约定时间和比例，通过代理行向借款人提供的本外币贷款或授信业务。

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