MONEY LENDERS ORDINANCE ——附加英文版
Hong Kong
MONEY LENDERS ORDINANCE
(CHAPTER 163)
CONTENTS
ion
I PRELIMINARY
hort title and application
nterpretation
rdinance not to apply to authorized institutions
egistrar of Money Lenders and supervisory functions of Registrar
fficial secrecy
nspection of register
Documents admissible in evidence
II LICENSING OF MONEY LENDERS
estriction on carrying on of business of money lender
pplication for licence and public notification of application
nvestigation and lodgement of applications
Licensing court
Selection of assessors and payment of fees to assessors
Powers of licensing court
Immunity
Determination of application for licence
Effect and duration of licence
Renewal
Revocation and suspension
Transfer of licence and addition or substitution of new premises
Appeals
Duty to notify changes of particulars
III MONEY LENDERS' TRANSACTIONS
Form of agreement
Duty of money lender to give information to borrower
Duty of money lender to give information to surety
Early payment by borrower
Illegal agreements
Loan etc. not recoverable unless money lender licensed
IV EXCESSIVE INTEREST RATES
Prohibition of excessive interest rates
Reopening of certain transactions
V GENERAL
Restriction on money-lending advertisements
Charges for expenses etc. not recoverable
Power of Registrar and police to enter premises and inspect books,
Offences by money lenders
Offences of fraudulent inducement and obstruction
Offences relating to licensing court
Liability for offences by companies
Penalties and disqualification
Time limitation for instituting certain prosecutions
Burden of proof
General exemptions
Specific exemptions
Legislative Council may amend Schedule 1
Regulations
Saving
Existing loans
dule 1
dule 2
provide for the control and regulation of money lenders and
money-
ing transactions, the appointment of a Registrar of Money Lenders
and
licensing of persons carrying on business as money lenders; to
provide
ection and relief against excessive interest rates and
extortionate
ulations in respect of loans; to provide for offences and for
matters
ected with or incidental to the foregoing; and to repeal the
Money-
ers Ordinance 1911.
December 1980] L. N. 347 of 1980
PART I PRELIMINARY
hort title and application
This Ordinance may be cited as the Money Lenders Ordinance.
This Ordinance shall have effect notwithstanding any agreement
to the
rary.
nterpretation
In this Ordinance, unless the context otherwise requires--
pany" means a body corporate--
incorporated under the Companies Ordinance (Cap. 32);
incorporated by any other Ordinance; or
incorporated or established outside Hong Kong; (Added 69 of 1988
s. 2)
qualified person" means a person in respect of whom there is in
force
rder made by a court under section 32 (2);
ective rate", in relation to interest, means the true
annual
entage rate of interest calculated in accordance with Schedule
2;
nded 69 of 1988 s. 2)
m" means an unincorporate body of 2 or more individuals, or 1 or
more
viduals and 1 or more companies, or 2 or more companies, who
have
red into partnership with one another with a view to
carrying on
ness for profit; (Amended 69 of 1988 s. 2)
erest" does not include any sum lawfully agreed to be
paid in
rdance with this Ordinance on account of stamp duty or other
similar
, but save as aforesaid includes any amount (by whatever name
called)
xcess of the principal, which amount has been or is to be
paid or
ble in consideration of or otherwise in respect of a loan;
ence" means a money lender's licence granted under section
11 or
wed under section 13, and "licensed" and "licensee" have
corresponding
ings; (Amended 69 of 1988 s. 2)
ensing court" means--
a magistrate sitting alone; or
a magistrate sitting with 2 assessors,
he case may be, in accordance with section 10, 14 or 15; (Replaced
69
988 s. 2)
n" includes advance, discount, money paid for or on account of
or on
lf of or at the request of any person, or the forbearance to
require
ent of money owing on any account whatsoever, and every
agreement
tever its terms or form may be) which is in substance or effect
a loan
oney, and also an agreement to secure the repayment of any such
loan,
"lend" and "lender" shall be construed accordingly;
ey lender" means every person whose business (whether or
not he
ies on any other business) is that of making loans or who
advertises
nnounces himself or holds himself out in any way as carrying on
that
ness, but does not include--
a person specified in Part 1 of Schedule 1; or
as respects a loan specified in Part 2 of Schedule 1, any person
who
s such loan; (Amended 69 of 1988 s. 2)
scribed" means prescribed by regulations made under section 34;
ncipal", in relation to a loan, means the amount actually lent;
ister" means the register kept by the Registrar under section 4;
istrar" means the Registrar of Money Lenders appointed under
section
sidiary" means subsidiary within the meaning of section 2
of the
anies Ordinance (Cap. 32). (Added 69 of 1988 s. 2)
For the purposes of this Ordinance, where by an agreement for the
loan
oney the interest charged on the loan is not expressed in terms
of a
, any amount paid or payable to the lender under the agreement
(other
simple interest charged in accordance with the proviso to section
22)
l be appropriated to principal and interest in the proportion that
the
l amount of principal bears to the total amount of the interest,
and
rate per cent per annum represented by the interest
charged as
ulated in accordance with Schedule 2 shall be deemed to be the
rate of
rest charged on the loan. (Amended 69 of 1988 s. 2)
For the purpose of determining the amount of the principal of a
loan,
amount thereof which is not shown to have been lent except for
the
ose of treating it as an instalment paid by the borrower in
repayment
he loan and which is so treated by the lender shall be disregarded.
References in this Ordinance to an assessor are references to a
person
inted to a panel of assessors under section 7A of the
Magistrates
nance (Cap. 227). (Added 69 of 1988 s. 2)
rdinance not to apply to authorized institutions
Ordinance shall not apply to--
an authorized institution within the meaning of the Banking
Ordinance
. 155); or
as respects a loan made to such an authorized institution, any
person
makes such loan.
laced 69 of 1988 s. 3)
egistrar of Money Lenders and supervisory functions of Registrar
The Governor shall appoint a public officer to be the
Registrar of
y Lenders.
The Registrar shall establish and maintain a register in
which he
l cause to be kept particulars, other than specified particulars,
of--
applications for the grant or renewal of licences; (Amended 69
of 1988
)
licences which are in force or have been revoked or suspended;
such other matters, if any, as he thinks fit.
In this section "specified particulars" means particulars
furnished
r section 8 which are specified in regulations made under
section 34
articulars which shall not be entered in the register.
fficial secrecy
Except as may be necessary for the exercise or performance
of any
tion or duty under this Ordinance or for carrying into
effect the
isions of this Ordinance, the Registrar and every person
employed in
ying out or in assisting any person to carry out the
provisions of
Ordinance--
shall preserve and aid in preserving secrecy with regard
to all
ers relating to the affairs of any person that may come
to his
ledge in the exercise or performance of any function or duty
under
Ordinance;
shall not communicate any such matter to any person other
than the
on to whom such matter relates; and
shall not suffer or permit any person to have access to any records
in
possession, custody or control of any person to whom this
subsection
ies.
Subsection (1) does not apply--
to the disclosure of information in the form of a summary of
similar
rmation provided by a number of persons if the summary is so framed
as
revent particulars relating to the business of any particular
person
g ascertained from it;
to the disclosure of information with a view to the institution
of, or
rwise for the purposes of, any criminal proceedings; (Replaced
69 of
s. 5)
in connection with any civil proceedings arising out of, or
relating
section 22, 23, 24, 25, 27, 33, 33B or 36; or (Added 69 of 1988
s. 5)
to the disclosure of information to the Financial
Secretary, the
etary for Monetary Affairs, or any public officer authorized
by the
ncial Secretary for the purposes of this paragraph where,
in the
ion of the Registrar, it is desirable or expedient that
information
ld be disclosed in the public interest. (Added 69 of 1988 s. 5)
Any person who--
contravenes subsection (1); or
aids, abets, counsels or procures any person to contravene
subsection
commits an offence and shall be liable to a fine of $ 100,000 and
to
isonment for 2 years.
nspection of register
Any person shall be entitled on payment of the prescribed fee--
to inspect the register during ordinary office hours and take
copies
ny entry; or
to obtain from the Registrar a copy, certified by or
under the
ority of the Registrar to be correct, of any entry in the register.
The Registrar shall give public notice, in such manner as he may
deem
of the place where and the times when the register may be
inspected.
Documents admissible in evidence
cument purporting to be a copy, certified by or under the
authority of
Registrar to be true and correct, of any entry in the register
shall
dmissible in evidence in criminal or civil proceedings
before any
t on its production without further proof and, until the
contrary is
ed, the court shall presume that--
the signature and certification to the document is that
of the
strar or a person authorized by him in that behalf, and
the document is a true and correct copy.
ed 69 of 1988 s. 6)
PART II LICENSING OF MONEY LENDERS
estriction on carrying on of business of money lender
No person shall carry on business as a money lender--
without a licence;
at any place other than the premises specified in such licence;
or
rwise than in accordance with the conditions of a licence.
A licence shall be in the prescribed form.
pplication for licence and public notification of application
An application for a licence shall be made to the Registrar in
the
cribed form and in the prescribed manner, and shall be accompanied
by
prescribed fee and a statement in writing containing the
prescribed
iculars in respect of the application.
An application made under this section in respect of a company
may be
by any person authorized in that behalf by such company. (Amended
69
988 s. 7)
An application made under this section in respect of partners
in a
may be made by any such partner.
The Registrar shall, in such manner as may be prescribed, give
public
ce of every application made under this section.
nvestigation and lodgement of applications
Where an application is made under section 8, the applicant
shall at
same time send a copy of the application to the
Commissioner of
ce, and the Commissioner of Police may cause an investigation
to be
ied out in respect of the application for the purpose of
determining
her, in the opinion of the Commissioner of Police, there are
grounds
objecting to the application under section 11.
For the purpose of carrying out an investigation under this
section,
Commissioner of Police may in writing require the applicant to
produce
inspection such books, records or documents or to
furnish such
rmation relating to the application or any business carried
on or
nded to be carried on by him as the Commissioner of
Police may
ify.
In respect of an application made under section 8, no step other
than
registration of such application shall be taken by the Registrar
prior
the date on which a period of 60 days after the date on which
the
ication is made expires; or
the date on which the Commissioner of Police notifies the
Registrar
any investigation carried out under this section in respect of
the
ication has been completed, whichever is the earlier (in this
section
rred to as "the material date").
Where the Registrar or the Commissioner of Police intends to
object
r section 11 to any application for a licence, he shall, not
later
7 days after the material date, serve notice on the applicant of
his
ntion to object and of the grounds of such objection; and where
such
ce is served by the Commissioner of Police, he shall send a
copy
eof to the Registrar.
Upon the expiration of a period of 7 days after the material date
in
ect of any application made under section 8, the Registrar shall
lodge
application with such magistrate as he deems fit, together with
a copy
ny notice served on the applicant under subsection (4).
(Replaced 69
988 s. 8)
The Registrar shall give notice to the Commissioner of Police of
any
ement made under subsection (5).
Licensing court
Where an application is lodged under section 9 (5), the
licensing
t shall hear and determine the application in accordance with
section
For the purposes of hearing and determining an application
lodged
r section 9 (5), the licensing court shall be constituted by-
-
where no notice has been served on the applicant under section
9 (4)
1 (2) (b) (i), subject to subsection (3), a magistrate sitting
alone;
where a notice has been served on the applicant under section 9
(4) or
2) (b) (i), a magistrate sitting with 2 assessors.
Without limiting the generality of the power of the licensing
court
r section 10B (f) to adjourn the hearing of an application
lodged
r section 9 (5), the licensing court shall, where--
it is constituted by a magistrate sitting alone; and
it grants leave under section 11 (2) (b) (ii) to a person to object
to
application, adjourn the hearing to another date to be
heard and
rmined by the licensing court constituted by a magistrate sitting
with
sessors.
Where the licensing court is constituted by a magistrate sitting
with
sessors, the decision of the licensing court shall be that
of the
rity of the members and shall be recorded in writing:
ided that the magistrate's rulings on matters of law shall bind
the
nsing court.
The Registrar shall be provided with a copy of each decision of
the
nsing court. (Replaced 69 of 1988 s. 9)
Selection of assessors and payment of fees to assessors
Where under this Ordinance the licensing court is required
to be
tituted by a magistrate sitting with 2 assessors, the Registrar
of the
eme Court shall select those assessors.
Where an assessor selected under subsection (1) attends the
licensing
t for which he has been so selected, he shall, irrespective of
whether
its as an assessor, be paid a fee of an amount equal to the fee
fixed
r section 7A (2) of the Magistrates Ordinance (Cap. 227) to be
paid to
ssessor for his services. (Added 69 of 1988 s. 9)
Powers of licensing court
ect to this Ordinance, the licensing court may determine
its own
edure and in particular may--
receive and consider any material, whether by way of oral
evidence,
ten statements, documents or otherwise, notwithstanding
that such
rial would not be admissible in evidence in civil or
criminal
eedings;
by notice in writing signed by the presiding magistrate, require
any
on to attend before it at any hearing and to give evidence and
produce
ments;
administer oaths and affirmations;
examine on oath, affirmation or otherwise any person attending
before
t any hearing and require such person to answer all questions put
by
ith its consent;
determine the manner in which the material referred to in
paragraph
shall be received; and
adjourn any hearing from time to time as it may deem fit, and may
do
things--
ancillary to the powers conferred by this section; or
reasonably necessary for the discharge of its functions under
this
nance. (Added 69 of 1988 s. 9)
Immunity
-
member of the licensing court; and
witness, party to any proceedings, representative or other
person
aring before the licensing court, shall have the same privileges
and
nities in any proceedings before the licensing court or
in the
cise of the licensing court's functions as he would have
before a
t in civil proceedings.
ed 69 of 1988 s. 9)
Determination of application for licence
The licensing court shall fix a date for the hearing of an
application
ed under section 9 (5) and shall give 14 clear days' notice of
such
to the applicant, the Registrar and the Commissioner of Police.
nded 69 of 1988 s. 10)
Subject to subsection (3), the licensing court shall grant a
licence
the hearing of an application lodged under section 9 (5)
except
不分页显示 总共5页 1 [2] [3] [4] [5]
下一页
中华人民共和国政府与联合国和联合国粮农组织合办的世界粮食计划署关于世界粮食计划署提供援助的基本协定
中国政府 世界粮食计划署
中华人民共和国政府与联合国和联合国粮农组织合办的世界粮食计划署关于世界粮食计划署提供援助的基本协定
(签订日期1980年10月4日 生效日期1980年10月4日)
鉴于中华人民共和国政府(以下简称“中国政府”)希望利用联合国和联合国粮农组织合办的世界粮食计划署(以下简称“世界粮食计划署”)的援助;
鉴于世界粮食计划署同意应中国政府的具体要求提供此种援助;
为此,中国政府和世界粮食计划署谨签订本《协定》,规定按照世界粮食计划署《总规则》由世界粮食计划署可以提供的并为中国政府可以利用的此种援助的条件,条文如下:
第一条 申请援助和同意援助
一、中国政府为支持经济和社会发展项目,或为解决由于自然灾害或其他紧急情况而造成的紧急粮食需要,可向世界粮食计划署申请粮食援助。
二、申请任何援助一般均应由中国政府按照世界粮食计划署指定的格式,通过世界粮食计划署驻中华人民共和国的代表或中国驻粮农组织代表提出。
三、中国政府应向世界粮食计划署提供为评估该项申请所需的一切便利条件和有关资料。
四、在决定由世界粮食计划署对某一发展项目提供援助后,应由中国政府和世界粮食计划署商定一项《执行计划》。如果是紧急救济行动,双方应通过换文取得谅解,不必签订正式文件。
五、每项《执行计划》均应写明执行项目的各种条件,并具体规定中国政府和世界粮食计划署在执行该项目过程中各自应负的责任。本《基本协定》的各项条款将管辖据此而签订的任何《执行计划》。
第二条 执行发展项目和紧急救济行动
一、执行发展项目和紧急救济行动的主要责任应由中国政府承担,它应为执行发展项目或紧急行动提供所需的一切人员、用房、物资、设备、服务和交通运输并支付全部费用。
二、世界粮食计划署应无偿地将赠予的物资运至入口港或边境站,并对发展项目或紧急救济行动的执行进行监督和提供咨询。
三、中国政府应就每一项目同世界粮食计划署商定后指定一个合适的机构执行该项目。如中国国内有一个以上的粮食援助项目,则中国政府应指定一个中心协调机构负责在世界粮食计划署与这些项目之间以及各个项目之间调节粮食供应。
四、中国政府应向世界粮食计划署提供方便,使其能够视察发展项目或紧急行动各个阶段的执行情况。
五、中国政府应保证充分认真而有效地处理、运输、保管和分配世界粮食计划署所提供的物资并保证这些物资和经批准出售后所得的收入按照双方商定的方式加以利用。如果发生不按规定方式利用的情况,世界粮食计划署可视情况要求收回这些物资或其出售所得收入,或同时收回二者。
六、如果中国政府未能履行本《协定》或依据《协定》缔结的协议所规定的任何一项义务时,世界粮食计划署经与中国政府协商后可以中止或撤销其援助。
第三条 有关项目和紧急行动的资料
一、中国政府应按世界粮食计划署的要求,向其提供关于执行任何发展项目或紧急行动,或关于该项目或行动可否继续进行、是否健全,或关于中国政府履行任何一项按照本《协定》或依据本《协定》缔结的协议所承担的责任的情况等方面的有关文件、帐目、记录、说明、报告和其他资料。
二、中国政府应定期向世界粮食计划署通报执行每一发展项目或紧急行动的进度。
三、中国政府应就世界粮食计划署供应的物资和出售这种物资所得收入在每一发展项目中的使用情况,按双方商定的间隔并在项目结束时,向世界粮食计划署提交经过审计的帐目。
四、当世界粮食计划署按照有关《执行计划》的规定对项目进行审查时,中国政府应予协助;为此,中国政府应保存必要的记录并提交计划署审阅。任何最后的审查报告书均应送交中国政府征求意见,随后连同所提意见提交联合国和粮农组织所属的粮食援助政策和计划委员会。
第四条 来自其他方面的援助
如果中国政府为执行某一项目而得到世界粮食计划署以外的其他方面的援助,双方应互相磋商,以便对世界粮食计划署和其他方面的援助进行有效的协调。
第五条 便利、特权和豁免
一、中国政府应向世界粮食计划署的官员和顾问以及代表该署进行工作的其他人员,提供相当于联合国和各专门机构的同等人员所享受的各种便利。
二、中国政府对世界粮食计划署及其财产、资金和资产以及其官员和顾问,应履行《专门机构的特权和豁免公约》的规定。
三、中国政府应负责处理第三方可能对世界粮食计划署或对其官员或顾问或根据本《协定》代表世界粮食计划署进行工作的其他人员提出的任何索赔要求;如果由于根据本《协定》进行活动而发生了索赔或追究责任,中国政府应使世界粮食计划署及上述人员不受损害,除非中国政府和世界粮食计划署一致认为这种索赔或追究责任是由于这些人员的重大疏忽或胡作非为所造成。
第六条 争端的解决
中国政府和世界粮食计划署之间由于或涉及本《协定》或某一《执行计划》而发生的任何争端,如未能通过谈判或其他商定的方式得到解决,可在任何一方的要求下提交仲裁。仲裁应在意大利罗马进行。每一方应指派和聘请一名仲裁员并将其姓名通知对方。若双方的仲裁员未能达成一致的裁决,他们应立即指定一名独立裁决员。如果在提出仲裁要求后三十天之内,任何一方尚未指派仲裁员,或者已指派的仲裁员未能达成一项裁决而且未能就指定独立裁决员问题达成协议,则任何一方都可要求联合国秘书长和粮农组织总干事视情况共同指派一名仲裁员或独立裁决员。进行仲裁所需的费用应由双方按裁决书的规定负担。该裁决应由双方接受,作为对争端的最后决定。
第七条 一般规定
一、本《协定》经签署后即生效,除非按本条第三款的规定予以终止外,将继续有效。
二、本《协定》可由缔约双方通过书面协议加以修改。本《协定》中未作规定的任何有关事项,应由双方按照联合国和粮农组织下属的粮食援助政策和计划委员会的有关决议和决定加以解决。任何一方对另一方根据本款提出的建议,均应给予充分的、同情的考虑。
三、本《协定》可由任何一方书面通知另一方予以终止,并在对方收到该通知六十天后终止执行。尽管有这种终止通知,在根据这一《基本协定》签订的所有《执行计划》全部完成或结束之前,本《协定》仍应继续生效。
四、在按上述第三款终止本《协定》后,中国政府仍应继续履行其按本《协定》第五条所承担的义务,以便世界粮食计划署的财产、资金和资产以及根据本《协定》代表世界粮食计划署进行工作的官员和其他人员得以有秩序地撤离。
本《协定》于一九八0年十月四日在北京签署,共五份,每份都用英文和中文写成,两种文本具有同等效力。
中华人民共和国政府代表 世界粮食计划署代表
农业部长 副执行干事
霍 士 廉 德·阿柴凡多·布列托
(签字) (签字)