金融翻譯-中英對(duì)照版

國(guó)開(kāi)行關(guān)于村鎮(zhèn)銀行的出資人協(xié)議的意見(jiàn)
Opinions of CDB on the Contributor Agreement of the Village and Town Bank

一
定義——關(guān)聯(lián)公司
I
Definition—Affiliated Company
《公司法》第217條第4款規(guī)定，“關(guān)聯(lián)關(guān)系，是指公司控股股東、實(shí)際控制人、董事、監(jiān)事、高級(jí)管理人員與其直接或者間接控制的企業(yè)之間的關(guān)系，以及可能導(dǎo)致公司利益轉(zhuǎn)移的其他關(guān)系。但是，國(guó)家控股的企業(yè)之間不僅僅因?yàn)橥車?guó)家控股而具有關(guān)聯(lián)關(guān)系。”
建議：直接引用中國(guó)《公司法》的定義。
Paragraph 4 of Article 217 of Company Law provides that “affiliation” refers to the connection between the controlling shareholder, de facto controller, director, supervisor, or senior manager of a company and the enterprise directly or indirectly controlled by them, and any other connections that may lead to the out bound transfer of the interests of the company. However, the state-controlled enterprises are not deemed affiliated simply because they share the same controller.
Suggestion: Directly quote the definition set out in Chinese Company Law.
二
定義——代理協(xié)議
II
Definition—Agency Agreement
建議：將“代理協(xié)議”放入“合作備忘錄”。
Suggestion: Put “agency agreement” in “memorandum of cooperation”.

三
定義——“營(yíng)業(yè)日”
III
Definition—“Business Day”
涉及三個(gè)國(guó)家時(shí)差，對(duì)村鎮(zhèn)銀行注資和業(yè)務(wù)開(kāi)展時(shí)的支付結(jié)算帶來(lái)不便。
建議：以北京時(shí)間為準(zhǔn)。
Time difference of three countries brings inconvenience for payment and settlement when the village and town bank injects capital and carries out business. 
Suggestion: Subject to Beijing time.
 
四
定義——“控制”
IV
Definition—“Control”
建議：按照《公司法》重新定義：1、當(dāng)一個(gè)股東的出資額或所持有的股份占股份有限公司股本總額百分之五十以上的，為絕對(duì)控股。2、當(dāng)一個(gè)股東的出資額或所持有股份的比例雖然不足百分之五十，但依其出資額或所持有的股份所享有的表決權(quán)已足以對(duì)股東會(huì)、股東大會(huì)的決議產(chǎn)生重大影響的，為相對(duì)控股。3、某人士雖不是公司的股東，但通過(guò)投資關(guān)系、協(xié)議或者其他安排，能夠?qū)嶋H支配公司的，為間接控制。
Suggestion: Redefine in accordance with Company Law: 1. When the capital contribution or share of a shareholder accounts for more than 50% of the share capital of the limited liability company, it means absolute holding. 2. When the capital contribution or share of a shareholder is less than 50% but its voting power hereto is sufficient to cause significant influence on the resolution of shareholder meeting and general meeting of shareholders, it means relative holding. 3. Where a person who is not a shareholder but is able to hold actual control of the acts of the company by means of investment relations, agreements or any other arrangements, it means indirect control.

五
定義——權(quán)利負(fù)擔(dān)
V
Definition—Right Burden
原因：中文意思表達(dá)不清。
Reason: Chinese meaning is not clear.

六
定義——重大不利影響
VI
Definition—Significant Adverse Effect
此出資人協(xié)議只涉及出資階段，不涉及村鎮(zhèn)銀行將來(lái)經(jīng)營(yíng)階段。
建議：改為“指對(duì)設(shè)立村鎮(zhèn)銀行產(chǎn)生重大不利影響”。
This contributor agreement only involves contribution stage, not involving the future operation stage of the village and town bank.
Suggestion: Change into “refers to causing significant adverse effect on establishing the village and town bank”.

七
定義——發(fā)起人
VII
Definition—Sponsor
建議：寫明發(fā)起人為開(kāi)行和中安。
Suggestion: Specify the sponsors are CDB and Zhong An Credit.

八
籌備批準(zhǔn)文件
VIII
Preparation and Approval Documents
建議： 插入日期“2010年3月31日”。
Suggestion: Insert date “March 31, 2010”.

九
提交籌備報(bào)批文件的條件
IX
Conditions for Submission of Preparation and Approval Documents
原因：已在3.01中規(guī)定籌備報(bào)批文件的時(shí)間。
建議：將“只有在下列每一條件于[插入首個(gè)最終截止日]之日或其之前得到滿足”改為“只有在下列每一條件得到滿足”。
Reason: The time of preparation and approval documents has been specified in 3.01.
Suggestion: Change “only all the following conditions are satisfied on or prior to the [insert the first final deadline] date” to “only all the following conditions are satisfied”.

十
語(yǔ)言
X
Language
此村鎮(zhèn)銀行的注冊(cè)地在中國(guó)，適用于中國(guó)大陸法律。
建議修改為：本協(xié)議以中文和英文書寫，兩種語(yǔ)言文本均具有法律效力。但如果兩種語(yǔ)言文本出現(xiàn)分歧，以中文版本為準(zhǔn)。
This village and town bank is registered in China and subject to the law of Mainland China.
Suggestion: Modify it to “This agreement is made in Chinese and English. Both the Chinese version and the English version are of legal force. When the two versions collide with each other, the Chinese version shall prevail”.

十一
適用法律和爭(zhēng)議解決
XI
Applicable Law and Dispute Settlement
原因：此村鎮(zhèn)銀行的注冊(cè)地在中國(guó)，適用于中國(guó)大陸法律。
建議：
Reason: This village and town bank is registered in China and subject to the law of Mainland China.
Suggestion:
b）因本協(xié)議產(chǎn)生的或者與本協(xié)議有關(guān)的任何爭(zhēng)議（包括關(guān)于本協(xié)議的存在、效力和終止的任何問(wèn)題）（“爭(zhēng)議”）均應(yīng)提交“中國(guó)國(guó)際經(jīng)濟(jì)貿(mào)易仲裁委員會(huì)”。
Any disputes arising from or related to this agreement (including any problems concerning the existence, effectiveness and termination of this agreement) (“disputes”) shall be submitted to China International Economic and Trade Arbitration Commission.
c）仲裁員由“中國(guó)國(guó)際經(jīng)濟(jì)貿(mào)易仲裁委員會(huì)”進(jìn)行指定。
The arbitrator shall be designated by China International Economic and Trade Arbitration Commission.
d） 仲裁地點(diǎn)為中國(guó)深圳。
The place of arbitration shall be Shenzhen.
e）仲裁語(yǔ)言為中文。
The language of arbitration shall be Chinese.
g）和h）刪除，或體現(xiàn)所有股東同等權(quán)利的原則。
g) and h) shall be deleted or embody the principle of equality among shareholders.

國(guó)開(kāi)行關(guān)于組建村鎮(zhèn)銀行的股東協(xié)議的意見(jiàn)
Opinions of CDB on the Shareholder Agreement for Establishing the Village and Town Bank

一
定義——關(guān)聯(lián)公司
I
Definition—Affiliated Company
態(tài)度：堅(jiān)持
原因：《公司法》第217條第4款規(guī)定，“關(guān)聯(lián)關(guān)系，是指公司控股股東、實(shí)際控制人、董事、監(jiān)事、高級(jí)管理人員與其直接或者間接控制的企業(yè)之間的關(guān)系，以及可能導(dǎo)致公司利益轉(zhuǎn)移的其他關(guān)系。但是，國(guó)家控股的企業(yè)之間不僅僅因?yàn)橥車?guó)家控股而具有關(guān)聯(lián)關(guān)系。”
建議：直接引用中國(guó)《公司法》的定義。
Attitude: Persistence
Reason: Paragraph 4 of Article 217 of Company Law provides that “affiliation” refers to the connection between the controlling shareholder, de facto controller, director, supervisor, or senior manager of a company and the enterprise directly or indirectly controlled by them, and any other connections that may lead to the out bound transfer of the interests of the company. However, the state-controlled enterprises are not deemed affiliated simply because they share the same controller.
Suggestion: Directly quote the definition set out in Chinese Company Law.

二
定義——代理協(xié)議
II
Definition—Agency Agreement
態(tài)度：堅(jiān)持
原因：開(kāi)行認(rèn)為，“代理協(xié)議”寫在合作備忘錄里較妥，而不要寫在出資人協(xié)議里。
建議：“代理協(xié)議”放入“合作備忘錄”。
Attitude: Persistence
Reason: CDB believes it is proper to write “agency agreement” in memorandum of cooperation, rather than to write it in contributor agreement.
Suggestion: Put “agency agreement” in “memorandum of cooperation”.

三
客戶
III
Customer
態(tài)度：商量
原因：原表述概括性不強(qiáng)。
建議：“客戶”是指直接或簡(jiǎn)介通過(guò)公司業(yè)務(wù)接受本公司金融服務(wù)的人士。
Attitude: Discussion
Reason: Generality of the original expression is not strong.
Suggestion: “Customer” refers to any people who accept financial service of this company directly or indirectly through the corporate business.

四
定義——控制
IV
Definition--Control
態(tài)度：商量
原因：定義不明。
建議：按照《公司法》重新定義：1、當(dāng)一個(gè)股東的出資額或所持有的股份占股份有限公司股本總額百分之五十以上的，為絕對(duì)控股。2、當(dāng)一個(gè)股東的出資額或所持有股份的比例雖然不足百分之五十，但依其出資額或所持有的股份所享有的表決權(quán)已足以對(duì)股東會(huì)、股東大會(huì)的決議產(chǎn)生重大影響的，為相對(duì)控股。3、某人士雖不是公司的股東，但通過(guò)投資關(guān)系、協(xié)議或者其他安排，能夠?qū)嶋H支配公司的，為間接控制。
Attitude: Discussion
Reason: Ill-defined.
Suggestion: Redefine in accordance with Company Law: 1. When the capital contribution or share of a shareholder accounts for more than 50% of the share capital of the limited liability company, it means absolute holding. 2. When the capital contribution or share of a shareholder is less than 50% but its voting power hereto is sufficient to cause significant influence on the resolution of shareholder meeting and general meeting of shareholders, it means relative holding. 3. Where a person who is not a shareholder but is able to hold actual control of the acts of the company by means of investment relations, agreements or any other arrangements, it means indirect control.

五
定義——權(quán)利負(fù)擔(dān)
V
Definition—Right Burden
態(tài)度：商量
原因：中文表達(dá)不清。
建議：翻譯為“權(quán)利擁有”。
Attitude: Discussion
Reason: Chinese meaning is not clear.
Suggestion: Translate into “right possession”.

定義——重大不利影響
Definition—Significant Adverse Effect
態(tài)度：堅(jiān)持
原因：此出資人協(xié)議只涉及出資階段，不涉及村鎮(zhèn)銀行將來(lái)經(jīng)營(yíng)階段。
建議：改為“指對(duì)設(shè)立村鎮(zhèn)銀行產(chǎn)生重大不利影響”。
Attitude: Persistence
Reason: This contributor agreement only involves contribution stage, not involving the future operation stage of the village and town bank.
Suggestion: Change into “refers to causing significant adverse effect on organizing the village and town bank”.

七
定義——少數(shù)股東和少數(shù)董事
VII
Definition—Minority Shareholder and Minority Director
態(tài)度：堅(jiān)持
原因：沒(méi)有保護(hù)5%以內(nèi)小股東的利益。
建議：刪除“少數(shù)股東”和“少數(shù)董事”的定義。
Attitude: Persistence
Reason: Failure in protecting the interests of less than 5% minority shareholders.
Suggestion: Delete the definitions of minority shareholder and minority director.

八
定義——評(píng)估人
VIII—Appraiser
態(tài)度：堅(jiān)持
原因：基于股東平等原則。
建議：由董事會(huì)決定
Attitude: Persistence
Reason: Based on the principle of equality among shareholders.
Suggestion: Decided by the board of directors

九
向第三人轉(zhuǎn)讓
IX
Transfer to the Third Party
a）建議：將“在任何時(shí)間”改為“在三年鎖定期后”。
Suggestion: Change “at any time” into “after a lock-in period of three years”.
c）態(tài)度：堅(jiān)持
Attitude: Persistence
原因：基于股東平等原則，《公司法》規(guī)定，各股東具有相同的優(yōu)先購(gòu)買權(quán)。
建議：1.所有股東都不放棄優(yōu)先購(gòu)買權(quán)。
2.如果IFC內(nèi)部有關(guān)于此條款的相關(guān)規(guī)定，請(qǐng)將該規(guī)定交給開(kāi)行查閱。
Reason: Based on the principle of equality among shareholders, each shareholder enjoys the same pre-emptive rights in accordance with Company Law.
Suggestion: 1. All shareholders do not abandon the pre-emptive rights.
          2. If there are relevant regulations on this clause within IFC, please submit them to CDB for reference.

十
隨同出售權(quán)
X
Right of Co-sale
態(tài)度：堅(jiān)持
建議：“隨同出售出讓方”的股權(quán)改為“20％”
Attitude: Persistence
Suggestion: Change to stock equity of “co-sale transferor” into “20%”.

十一
賣出選擇權(quán)
XI
Put Option
a）態(tài)度：堅(jiān)持
Attitude: Persistence
原因：根據(jù)銀監(jiān)會(huì)（2007）5號(hào)文的規(guī)定，單一非銀行金融機(jī)構(gòu)的持股比例不得超過(guò)10%。如果IFC指定向中安行使賣出選擇權(quán)，將會(huì)使中安的股份突破銀監(jiān)會(huì)的規(guī)定。
建議：刪除（a）款。
Reason: Pursuant to the provisions of the document YJH (2007) No.5, the shareholding ratio of a single non-bank financial institution shall not exceed 10%. If IFC is designated to exercise put option over Zhong An Credit, it will result in that the stocks of Zhong An Credit may go against the provisions of CBRC.
Suggestion: Delete Paragraph (a).
b）建議：將“插入數(shù)字”改為“7年”。7年后IFC可以行使賣出選擇權(quán)。
Suggestion: Change “insert number” into 7 years. IFC can exercise put option after 7 years.
c）態(tài)度：堅(jiān)持
Attitude: Persistence
建議：1.開(kāi)行同意IFC享有該權(quán)利（IFC提供內(nèi)部的政策性條款，各股東享有知情權(quán)）。
2.但只有在村鎮(zhèn)銀行的經(jīng)營(yíng)與IFC的政策性條款相沖突時(shí)，IFC才有權(quán)行使賣出選擇權(quán)。
Suggestion: 1. CDB agrees IFC to enjoy this right (IFC provides internal policy-based terms, and each shareholder enjoys the right of information.
          2. IFC shall exercise put option only if the operation of the village and town bank conflicts with its policy-based terms.
d）態(tài)度：商量
Attitude: Discussion
建議：受讓股東（有意愿接受IFC股份的其他股東）同比例購(gòu)買IFC出售的股份。
Suggestion: Transferee shareholders (other shareholders willing to accept the stocks of IFC) purchase the stocks of IFC with the same proportion.
e）態(tài)度：商量
Attitude: Discussion
建議：賣出價(jià)款為由評(píng)估人確定的公平市場(chǎng)價(jià)值。
Suggestion: The sale price shall be the fair market value confirmed by the appraiser.

十二
新股接納標(biāo)準(zhǔn)c）
XII
Acceptance Standard of New Shares c)
態(tài)度：商量
原因：對(duì)“直接競(jìng)爭(zhēng)者”定義不明，完全避免金融行業(yè)“直接競(jìng)爭(zhēng)者”的引入描述不清。
建議：對(duì)“直接競(jìng)爭(zhēng)者”的重新定義后決定此條款是否保留。
Attitude: Discussion
Reason: The definition of “direct competitor” is ill-defined, and the description completely avoiding “direct competitor” in the financial industry is unclear.
Suggestion: Redefine “direct competitor” to decide whether this clause will be retained.

十三
股份保持要求
XIII
Share Holding Requirement
a）態(tài)度：堅(jiān)持
Attitude: Persistence
建議：在5年內(nèi)，國(guó)開(kāi)行和中安中的每一方向國(guó)際金融公司保證5年的股份鎖定期，期間，CDB和中安分別保持至少20％和7.5%的股份。
Suggestion: In 5 years, Both CDB and Zhong An Credit guarantee a share lock-in period of 5 years, during which CDB and Zhong An Credit respectively holds at least 20% and 7.5% of the stocks.
b）原因：開(kāi)行和中安在（a）條保證最低持股量，所以（b）條重復(fù)闡述。
Reason: CDB and Zhong An Credit guarantee the minimum equity holdings in Paragraph (a), so Paragraph (b) is repeating. 
建議：刪除。
Suggestion: Delete.

十三
股東會(huì)
XIII
Shareholder Meeting
態(tài)度：商量
建議：按照《公司法》的規(guī)定重新定義股東大會(huì)召開(kāi)的各個(gè)事項(xiàng)。
Attitude: Discussion
Suggestion: Redefine all matters on the general meeting of shareholders pursuant to Company Law.

十四
少數(shù)股東的同意權(quán)
態(tài)度：商量
XIV
Consent Right of Minority Shareholder
Attitude: Discussion
原因：由于“少數(shù)股東”的定義需要重新斟酌，因此賦予“少數(shù)股東”的權(quán)利加以修改。
建議： 分別列舉需要在股東會(huì)和董事會(huì)上50%、 67%、75%、100%表決權(quán)同意的事項(xiàng)。（參照《公司法》）
Reason: For “minority shareholder” needs to be redefined, the rights and interests of “minority shareholder” shall be modified.
Suggestion: List respectively matters requiring the voting power of 50%, 67%, 75% and 100% on shareholder meeting and general meeting of shareholders. (Refer to Company Law)
十五
董事會(huì)組成
XV
Composition of the Board of Directors
a） 態(tài)度：商量
Attitude: Discussion
     原因：同股同權(quán)原則。各股東所擁有的董事數(shù)（包括提名的獨(dú)立董事）占所有董事的比例符合持有股份占總股份的比例。
Reason: Shares of the same class have the same rights. The number of directors (including nominated independent directors) owned by each shareholder shall be in proportion with the holding of shares.   
建議：董事會(huì)由9名董事組成，其中：
Suggestion: The board of directors shall be composed of 9 directors, which:
1、3名由開(kāi)行提名；
Three are nominated by CDB;
2、1名由中安信用提名；
One is nominated by Zhong An Credit;
3、1名由香江提名；
One is nominated by Heung Kong Group；
4、1名由龍崗區(qū)的四個(gè)公司中的某個(gè)公司提名；
One is nominated by a company among the four companies in Longgang District;
5、IFC有權(quán)利（但沒(méi)有義務(wù)）提名1名董事；
IFC reserves the right (but under no obligation) to nominate one director;
6、KFW有權(quán)利（但沒(méi)有義務(wù)）提名1名董事。
KFW reserves the right (but under no obligation) to nominate one director;
7、IFC和KFW有權(quán)共同提名一個(gè)獨(dú)立董事。
IFC and KFW reserve the right to jointly nominate one director.

d）態(tài)度：商量
Attitude: Discussion
原因：1.涉及少數(shù)董事是否重新定義問(wèn)題。
2.《公司法》規(guī)定，提名的候選董事一旦被股東大會(huì)選舉產(chǎn)生，則任何股東均無(wú)權(quán)在董事任期之內(nèi)撤換該董事（除非該董事違反了公司法關(guān)于董事要求的規(guī)定，而必須被罷免）。
Reason: 1. Involving whether minority director shall be redefined.
       2. As specified in Company Law, once a nominated director candidate is elected on the general meeting of shareholders, no shareholder shall have the right to dismiss and replace this director during the tenure (unless the director violates the provisions on director requirements in the company law and thereby must be removed from office).
建議：刪除
Suggestion: Delete.

十六
委員會(huì)
XVI
Committee
態(tài)度：商量
Attitude: Discussion
原因：1.村鎮(zhèn)銀行在發(fā)展初期應(yīng)盡可能地節(jié)約成本，減少機(jī)構(gòu)設(shè)置。
2.中國(guó)有專門的審計(jì)部門和監(jiān)管部門。
3.“關(guān)聯(lián)交易”是被明令禁止的，在每一項(xiàng)業(yè)務(wù)開(kāi)展時(shí)村鎮(zhèn)銀行會(huì)受到監(jiān)管部門的嚴(yán)格審查，無(wú)需對(duì)于關(guān)聯(lián)交易另外設(shè)置機(jī)構(gòu)。
Reason: 1. The village and town bank shall try to save cost and decrease organizations at the initial stage of development.
       2. China has professional audit department and regulatory department.
       3. “Affiliated transaction” is officially prohibited. The village and town bank will be subject to strict scrutiny of the regulatory department prior to conducting every business activity. There is no need to set up additional organizations for affiliated transaction.
建議：刪除（a）審計(jì)委員會(huì)和（d）關(guān)聯(lián)交易委員會(huì)
Suggestion: Delete (a) audit committee and (d) affiliated transaction committee

十七
管理制度（b）
XVII
Management System (b)
態(tài)度：堅(jiān)持
Attitude: Persistence
建議：行長(zhǎng)由開(kāi)行提名，IFC/KFW擁有一票否決權(quán)。
Suggestion: The president is nominated by CDB. Both IFC and KFW have a veto.

十八
XVIII
態(tài)度：商量
原因：股東平等原則
建議：刪除9.05和9.06（c）條款中兩處“（且國(guó)開(kāi)行和中安信用應(yīng)當(dāng)促使公司）”。
Attitude: Discussion
Reason: Based on the principle of equality among shareholders.
Suggestion: Delete “and CDB and Zhong An Credit shall prompt the company” appeared in Paragraph 9.05 and 9.06 (c).

十九
競(jìng)業(yè)禁止
XIX
Prohibition of Business Strife
建議：開(kāi)行保證，3年內(nèi)，在深圳不投資控股另一家村鎮(zhèn)銀行。\
Suggestion: CDB guarantees not to invest and hold stocks of another village and town bank in Shenzhen in 3 years.

二十
語(yǔ)言
XX
Language
態(tài)度：堅(jiān)持
Attitude: Persistence
原因：此村鎮(zhèn)銀行的注冊(cè)地在中國(guó)，適用于中國(guó)陸法律。
Reason: This village and town bank is registered in China and subject to the law of Mainland China.
建議：本協(xié)議以中文和英文書寫，兩種語(yǔ)言文本都具有法律效力。但如果兩種語(yǔ)言文本出現(xiàn)分歧，以中文版本為準(zhǔn)。
Suggestion: This agreement is made in Chinese and English. Both the Chinese version and the English version are of legal force. When the two versions collide with each other, the Chinese version shall prevail.

二十一
適用法律和爭(zhēng)議解決
XXI
Applicable Law and Dispute Settlement
態(tài)度：堅(jiān)持
原因：此村鎮(zhèn)銀行的注冊(cè)地在中國(guó)，適用于中國(guó)大陸法律。
建議：
Attitude: Persistence
Reason: This village and town bank is registered in China and subject to the law of Mainland China.
Suggestion:
b）因本協(xié)議產(chǎn)生的或者與本協(xié)議有關(guān)的任何爭(zhēng)議（包括關(guān)于本協(xié)議的存在、效力和終止的任何問(wèn)題）（“爭(zhēng)議”）均應(yīng)提交“中國(guó)國(guó)際經(jīng)濟(jì)貿(mào)易仲裁委員會(huì)”。
Any disputes arising from or related to this agreement (including any problems concerning the existence, effectiveness and termination of this agreement) (“disputes”) shall be submitted to China International Economic and Trade Arbitration Commission.
c）仲裁員由“中國(guó)國(guó)際經(jīng)濟(jì)貿(mào)易仲裁委員會(huì)”進(jìn)行指定。
The arbitrator shall be designated by China International Economic and Trade Arbitration Commission.
d） 仲裁地點(diǎn)為中國(guó)深圳。
The place of arbitration shall be Shenzhen.
e）仲裁語(yǔ)言為中文。
The language of arbitration shall be Chinese.
g）和h）刪除，或體現(xiàn)所有股東同等權(quán)利的原則。
g) and h) shall be deleted or embody the principle of equality among shareholders.