关于严格禁止在旅游业务中私自收授回扣和收取小费的规定(附英文)

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关于严格禁止在旅游业务中私自收授回扣和收取小费的规定(附英文)

国家旅游局


关于严格禁止在旅游业务中私自收授回扣和收取小费的规定(附英文)

(1987年8月2日国务院批准1987年8月17日国家旅游局发布)

第一条 为了加强旅游系统职工队伍的精神文明建设,反对在旅游业务中私自收授回扣和收取小费的不正当行为,维护我国旅游声誉,更好地发展旅游事业,特制定本规定。
第二条 旅游系统职工在工作中,不得私自索要、收受回扣(包括券证、实物和其他报酬)。
违反前款规定,有下列行为之一的,由旅游行政管理部门根据情节予以处罚:
(一)私自索要、收受回扣金额在五百元以下的,没收非法所得,并可处以相当于其非法所得等值或者以下的罚款,同时给予行政警告或者记过处分。
(二)私自索要、收受回扣金额在五百元以上、一千元以下的,没收非法所得,并可处以相当于其非法所得等值两倍以下的罚款,同时给予留用察看处分。
(三)私自索要、收受回扣,金额在一千元以上的,没收其非法所得,同时给予开除公职处分。
第三条 接待旅游者的商店、餐馆、汽车公司等经营单位,在经营中不得向私人付给回扣。
违反前款规定,有下列行为之一的,由旅游行政管理部门会同有关主管部门根据情节予以处罚:
(一)主动付给私人回扣金额在一千元以下的,处以相当于其所付回扣等值两倍以下的罚款;主管部门应当对直接责任人和经营单位负责人给予行政处分。
(二)主动付给私人回扣金额在一千元以上、二千元以下的,处以相当于其所付回扣等值三倍以下的罚款;主管部门应当对直接责任人和经营单位负责人给予行政处分。
(三)主动付给私人回扣金额在二千元以上的,除按照本款第(二)项的规定给予处罚外,并可责令该经营单位停业整顿,或者由工商行政管理部门依法吊销其营业执照。
第四条 旅游系统职工在工作中,不得向旅游者索要、收受小费;也不得收受旅游者主动付给的小费。
旅游者主动赠送礼品,应当谢绝;确实谢绝不了的,应当按照国家有关礼品的规定处理。
第五条 违反第四条规定,有下列行为之一的,由旅游行政管理部门予以处罚:
(一)本人未主动索要,但收受小费的,给予批评教育,没收其所收小费。
(二)主动索要小费,或者暗示、刁难旅游者,造成不良影响的,给予行政处分,并可同时处以相当于其所收小费三倍以下的罚款;情节恶劣,后果严重的,可给予留用察看直至开除公职处分。
第六条 违反本规定第二条、第三条、第四条的行为,情节严重,触犯刑律的,交司法机关依法追究刑事责任。
第七条 因私自索要、收受回扣或者小费被开除公职的,不得再录用为旅游系统职工。
第八条 对于坚持原则,拒绝收受回扣、小费,热情为旅游者提供服务,得到旅游者好评的工作人员,应当给予精神和物质奖励。
第九条 罚没的款项和实物,应当按照国家有关规定处理。
第十条 旅游行政管理部门负责监督检查本规定的贯彻实施。工商、财政、审计等部门,应当在各自职责范围内加强配合。
第十一条 本规定适用于旅游系统的所有单位,以及其他涉及旅游业务的商店、餐馆、汽车公司等经营单位。
第十二条 本规定所称的“以上”,包括本数。
第十三条 本规定自发布之日起施行。

PROVISIONS CONCERNING STRICT FORBIDDANCE ON ACCEPTANCE OF REBATESAND TIPS IN HANDLING TOURIST BUSINESS

Important Notice: (注意事项)
英文本源自中华人民共和国务院法制局编译, 中国法制出版社出版的《中华人民
共和国涉外法规汇编》(1991年7月版).
当发生歧意时, 应以法律法规颁布单位发布的中文原文为准.
This English document is coming from the "LAWS AND REGULATIONS OF THE
PEOPLE'S REPUBLIC OF CHINA GOVERNING FOREIGN-RELATED MATTERS" (1991.7)
which is compiled by the Brueau of Legislative Affairs of the State
Council of the People's Republic of China, and is published by the China
Legal System Publishing House.
In case of discrepancy, the original version in Chinese shall prevail.

Whole Document (法规全文)
PROVISIONS CONCERNING STRICT FORBIDDANCE ON ACCEPTANCE OF REBATES
AND TIPS IN HANDLING TOURIST BUSINESS
(Approved by the State Council on August 2, 1987 and promulgated
by the National Tourism Administration on August 17, 1987)
Article 1
These Provisions are formulated in order to promote cultural and
ideological progress of the contingent of workers and staff members in the
tourist industry, to fight against the improper acts of accepting, without
permission, rebates and tips in handling tourist business, to defend the
reputation of our tourist industry so as to ensure its further
development.
Article 2
Workers and staff members in the tourist industry shall not ask for, or
accept, without permission, rebates (including various negotiable
securities, material objects and other remuneration).
With respect to those who have committed one of the following acts in
violation of the provisions in the preceding paragraph, the tourism
administration department shall impose punishments depending on the
seriousness of the cases:
(1) In case that the amount of rebates the violator has privately asked
for or accepted is 500 yuan or less, the illegal gain shall be
confiscated, and a fine equal to the illegal gain, or less, may
concurrently be imposed; and, at the same time, an administrative warning
shall be given, or a demerit be recorded.
(2) In case that the amount of rebates the violator has privately asked
for or accepted is above 500 and below 1,000 yuan, the illegal gain shall
be confiscated, and a fine equal to two times as much, or less, as the
illegal gain may concurrently be imposed, and, at the same time, the
punishment of probation on job shall be imposed.
(3) In case that the amount of rebates the violator has privately asked
for or accepted is above 1,000 yuan, the illegal gain shall be
confiscated, and, at the same time, the punishment of dismissal from
office shall be imposed.
Article 3
Business operating units that receive tourists, such as stores,
restaurants and automobile companies, shall not pay rebates to individuals
in business operations. With respect to those who have committed one of
the following acts in violation of the provisions in the preceding
paragraph, the tourism administration department, shall, in consultation
with the competent authorities, impose punishments depending on the
seriousness of the cases:
(1) In case that the amount of rebates a violator has paid on his/her own
initiative to an individual is 1,000 yuan or less, a fine equal to two
times as much, or less, as the amount of rebates shall be imposed on the
violator; and the competent authorities shall impose disciplinary sanction
on the violator, and also on the person who is in charge of the business
operating unit.
(2) In case that the amount of rebates a violator has paid on his/her own
initiative to an individual is above 1,000 and below 2,000, a fine equal
to three times as much, or less, as the amount of rebates shall be
imposed; and the competent authorities shall impose disciplinary sanction
on the violator, and also on the person who is in charge of the business
operating unit.
(3) In case that the amount of rebates a violator has paid on his/her own
initiative to an individual is above 2,000 yuan, the tourism
administration department may, in addition to imposing punishment in
accordance with the provisions in item (2) of this Article, order the
business operating unit to cease business operations for rectification,
or, the administrative department for industry and commerce shall revoke
the violator's business licence in accordance with the law.
Article 4
Workers and staff members in the tourist industry shall not ask for, or
accept, tips from tourists; and they shall not accept any tips given by
tourists on latter's own initiative, either.
In case that tourists present gifts on their own initiative, the gifts
should be declined; gifts that are difficult to be declined shall be
handled in accordance with the provisions of the State concerning gifts.
Article 5
With respect to those who have committed one of the following acts in
violation of the provisions of Article 4 of these Provisions, the tourism
administration department shall impose punishment:
(1) In case that the violator has accepted tips without asking for them on
his/her own initiative, he/she shall be criticized, and the tips he/she
has accepted shall be confiscated.
(2) In case that the violator has asked for tips on his/her own
initiative, or has so hinted by deliberately making things difficult for
tourists and has thus produced very bad effect, the tourism administration
department shall impose disciplinary sanction on the violator, and, at the
same time, impose a fine equal to three times as much, or less, as the
tips that the violator has accepted; if the case is extremely abominable
and has caused grave consequences, the punishment of probation on job or
even dismissal from office may be imposed on the violator, depending on
the seriousness of the case.
Article 6
With respect to those who have violated the provisions in Articles 2, 3
and 4, if the case is so serious as to constitute a crime, the violator's
criminal responsibility shall be investigated by judicial organs in
accordance with the law.
Article 7
Those who have been discharged from office on account of having privately
asked for or accepted rebates or tips, shall not be re-employed as staff
members or workers in the entire tourist industry.
Article 8
Those who have observed the disciplines, declined rebates and tips, and
served tourists warm-heartedly and have thus been praised by tourists,
shall be given moral encouragement and material rewards.
Article 9
Fines, and illegal gains and objects confiscated, shall be handled in
accordance with the pertinent provisions of the State.
Article 10
The tourism administration department shall be responsible for supervising
the implementation of these Provisions. The administrative department for
industry and commerce, the department of finance and the auditing
department shall, within their respective scope of functions, strengthen
their coordination.
Article 11
These Provisions shall apply to all units in the tourist industry, and
also to other business operating units with relevance to tourist business,
such as stores, restaurants, and automobile companies.
Article 12
The expression "above..." referred to in these Provisions includes the
figure itself.
Article 13
These Provisions shall go into effect as of the date of promulgation.


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中国工商银行商品房开发贷款管理暂行办法

中国工商银行


中国工商银行商品房开发贷款管理暂行办法
1998年7月24日,中国工商银行


第一章 总 则
第一条 为支持房地产业的发展,促进城镇住房制度改革,规范工商银行商品房开发贷款管理,维护借贷双方的合法权益,保障信贷资产的安全,根据《中华人民共和国商业银行法》、《中华人民共和国担保法》、《贷款通则》等有关法律法规,制定本办法。
第二条 商品房开发贷款(以下间称贷款)系指贷款人向借款人发放的用于商品房及其配套设施建设的贷款。
第三条 发放商品房开发贷款必须符合国家的方针政策,遵守国家法律法规,坚持效益性、安全性和流动性的经营原则。
第四条 本办法适用于中国工商银行所辖分支机构办理的商品房开发贷款。

第二章 借款人条件
第五条 借款人应当是经工商行政管理机关(或主管机关)核准登记的企(事)业法人、其他经济组织。
第六条 借款人向银行申请商品房开发贷款,应符合以下基本条件:
(一)有法人营业执照或有权部门批准设立的证明文件、建设部门核准的资质证明;
(二)经营管理制度健全,财务状况良好;
(三)信用良好,具有按期偿还贷款本息的能力;
(四)有贷款证,并在工行开立基本帐户或一般帐户;
(五)经工商行政管理部门核准登记并办理年检手续;
(六)有贷款人认可的有效担保;
(七)贷款项目已纳入国家或地方建设开发计划,其立项文件合法、完整、真实、有效;
(八)借款人已经取得《国有土地使用权证》、《建设用地规划许可证》、《建设工程规划许可证》、《建设工程开工证》;
(九)贷款项目实际用途与项目规划相符,符合当地市场的需求,有规范的可行性研究报告;
(十)贷款项目工程预算报告合理真实;
(十一)借款人计划投入贷款项目的自有资金不低于银行规定的比例,并能够在使用银行贷款之前投入项目建设;
(十二)企业信用等级和风险度符合贷款人的要求;
(十三)贷款人规定的其他条件。

第三章 贷款种类
第七条 商品房开发贷款有以下几种:
(一)住房开发贷款,系指用于建造商品住房的贷款。
(二)商业用房开发贷款,系指用于建造符合国家规定的商业性用房的贷款。
(三)其他商品房开发贷款,系指用于商品房必要的配套设施建设贷款。

第四章 贷款期限和利率
第八条 贷款期限一般不超过3年。
第九条 贷款利率按照中国人民银行有关规定执行。

第五章 贷款方式
第十条 商品房开发贷款采取担保贷款的方式:
(一)抵押贷款,系指以借款人或第三人的财产作为抵押物发放的贷款。
(二)质押贷款,系指以借款人或第三人的动产或权利作为质物发放的贷款。
(三)保证贷款,系指以第三人承诺在借款人不能偿还贷款时,按约定承担连带责任而发放的贷款。

第六章 贷款程序
第十一条 借款人申请借款时,应首先填写《借款申请书》,并按贷款人提出的贷款条件和要求提供有关资料。
第十二条 贷款人受理借款人申请后,应按银行规定程序,指定调查人员调查借款人是否符合贷款条件;核实抵押物、质物、保证人情况;对工程项目的可行性和概预算情况进行评估,测定贷款的风险度;提出贷与不贷、贷款额度、期限、利率和担保方式等意见。
第十三条 银行审查人员应当对调查人员提供的调查报告、评估报告及所依据的资料、文件进行审查核实,提出审查意见。
第十四条 在调查、审查的基础上,由银行有权人审批贷款。商品房开发贷款的审批权限,按照总行颁布的有关中长期贷款授权规定执行。
第十五条 贷款人同意贷款的,应当根据《贷款通则》的规定与借款人签订《借款合同》,并依据有关法律法规和《中国工商银行贷款担保管理办法》的规定,严格审查担保的合法性、有效性和可靠性,并办理有关手续。
第十六条 借款人取得贷款之前,借款人应为贷款项目办理有效的建筑工程保险;以房屋作为贷款抵押的,借款人在偿还全部贷款本息之前,应当逐年按不低于抵押金额的投保金额向保险公司办理房屋意外灾害保险,投保期至少要长于借款期半年。保险合同中要明确贷款人为保险的第一受益人。
第十七条 贷款发放时,贷款人应根据项目进度情况,分期、分批将贷款划入借款人帐户。
第十八条 贷款发放后,贷款人应对借款人执行借款合同情况、贷款使用情况及借款人的经营情况进行跟踪调查和检查,并建立贷款台帐。借款人应按月或按季向贷款人报送有关项目进度、贷款使用情况以及单位财务状况的报表和资料;项目竣工后,应向贷款人提交工程决算报告。
第十九条 借款人在借款合同履行期内出现下列情况之一时,必须事先通知贷款人或征得贷款人同意。
(一)法人及法定代表人变更;
(二)保证人失去保证资格、能力;
(三)担保物发生不利于贷款人的变化;
(四)产权变动或重要财产被处置;
(五)经营方式及经营范围有调整;
(六)项目实施进度或资金使用计划有重大调整;
(七)经营场所迁移;
(八)影响贷款人权益的其他重要变动。
第二十条 借款人要求提前还款,须事先通知贷款人,并征得贷款人同意。
第二十一条 借款人应当按照借款合同规定按时、足额归还贷款本息。贷款人也可按合同约定从借款人账户中直接扣收。借款人不能按期归还贷款的,可以在贷款到期日之前,向贷款人申请贷款展期。申请保证贷款、抵押贷款、质押贷款展期的,还应当由保证人、抵押人、出质人出具书面同意证明。另有约定的,按照约定执行。
借款人未申请展期或申请展期未得到批准,其贷款从到期日次日起转入逾期贷款账户管理。
第二十二条 借款人项目完工后,贷款人要参与工程验收和决算审查。
第二十三条 贷款人应为借款人建立贷款档案,准确及时完整地收集、整理、保存与贷款项目有关的资料、报表、图片、调查报告及借款人的资信等情况。

第七章 债权保护
第二十四条 借款人在申请和使用贷款时不得有下列行为:
(一)向贷款人提供虚假或者隐瞒重要事实的资产负债表、损益表等资料;
(二)不如实向贷款人提供其所有开户行、账号等资料;
(三)未经贷款人同意,擅自改变贷款用途;
(四)挪用贷款从事股本权益性投资及从事有价证券、期货等方面的投机经营;
(五)挪用贷款从事房地产投机;
(六)不按《借款合同》规定偿还贷款本息;
(七)套取贷款相互借贷牟取非法收入;
(八)拒绝接受贷款人对其信贷资金使用情况和房地产经营、财务活动的监督;
(九)未经贷款人同意将已设定抵押权的财产和权益拆迁、出租、出售、转让、馈赠或再抵押;
(十)抽逃出资,隐匿、私分、违法出让、不合理低价变卖财产,影响贷款的安全;
(十一)使用贷款从事违反国家政策和法律的活动;
(十二)影响贷款人权益的其他行为。
第二十五条 借款人有第二十四条所列行为之一时,贷款人可以采取下列一种或数种处置措施:
(一)停止支付借款人尚未使用的贷款并提前收回部分或全部贷款;
(二)按规定罚息;
(三)提前依法追索保证人,清偿贷款本息;
(四)提前依法处置抵押物、质物,清偿贷款本息;
(五)依法申请借款人破产还债;
(六)贷款人认为可以采取的其他处置方式。

第八章 附则
第二十六条 建筑、安装企业贷款和一般性委托贷款中的经济适用住房开发贷款遵照本办法执行。
第二十七条 各一级、准一级分行可制定实施细则,并报总行住房信贷部备案。
第二十八条 本办法由中国工商银行制定、解释和修改。
第二十九条 本办法自印发之日起施行。


第八届全国人民代表大会第二次会议表决议案办法

全国人民代表大会常务委员会


第八届全国人民代表大会第二次会议表决议案办法


(1994年3月9日第八届全国人民代表大会第二次会议主席团第一次会议通过)

根据《中华人民共和国全国人民代表大会议事规则》的有关规定,主席团决定: 第八届全国人民代表大会第二次会议表决议案和法律案采用按表决器的方式,由全体代表的过半数通过。如表决器在使用中临时发生故障,改用举手表决的方式。