Order of the Ministry of Commerce and the Ministry of Public ecurity No.8The Measures for the Administration of Pawning, which were deliberated and adopted at the executive meeting of the Ministry of Commerce and approved by the Ministry of Public Security, are hereby promulgated and shall come into force as of April 1st, 2005.
The Minister of the Ministry of Commerce Bo XilaiThe Minister of the Ministry of Public Security Zhou YongkangFebruary 9, 2005
Measures for the Administration of awning
Chapter I General Provisions
Article 1With a view to regulating pawning activities, strengthening supervision and administration, and accelerating the healthy development of the pawn industry, the present Measures are formulated according to the relevant legal provisions.
Article 2The present Measures shall be applicable to the establishment of pawnshops and the undertaking of pawning activities within the territory of the People's Republic of China.
Article 3The term "pawning" as mentioned in the present Measures, shall refer to the act that a pawner gives his or her chattel or property rights to a pawnshop as a pledge for pawned item or gives his or her real estate to the pawnshop as a mortgage for the pawned item, pays expenses at a certain rate, obtains pawn money and then, within the agreed period of time, redeems the pawned item by repaying the pawn money and the interest thereof.The term "pawnshop" as mentioned in the present Measures, shall refer to an enterprise juridical person that is established according to the present Measures and specially engages in the pawning activities. And its organizational form and its institutions shall accord with the relevant provisions of the Company Law of the People's Republic of China.
Article 4The competent department of commerce shall conduct supervision and administration on the pawn industry. And the public security organ shall carry out public security administration on the pawn industry
.Article 5The name of a pawnshop shall accord with the relevant provisions on the administration of enterprise name registration with the word "pawn" indicated in the name. No other business organization and institution may include the word "pawn"
in their names, nor may they undertake pawn businesses overtly or in any disguised form.
Article 6When undertaking business activities, a pawnshop shall abide by the laws, regulations and rules, and follow the principles of equality, free will, good faith and mutual benefit.
Chapter II Establishment
Article 7When applying for the establishment of a pawnshop, one shall meet the following conditions:
1.having its own articles of association conforming to the provisions of laws and regulations;
2.having the minimum registered capital as prescribed in the present Measures;
3.having a business place meeting the requirements and the facilities that are necessary for business operations;
4.having managers and appraisers who are familiar with the pawn business;
5.having two or more shareholders with legal person status, and the institutional shares as comparative controlling shares;
https://www.doczj.com/doc/d617615502.html,plying with the requirements for management of public security as prescribed in Articles 9 and 10 of the present Measures; and
https://www.doczj.com/doc/d617615502.html,plying with the state requirements for overall planning and reasonable arrangement of pawnshops
.Article 8The minimum registered capital of a pawnshop shall be RMB 3 million Yuan; for the pawnshop that undertakes the pawn business of mortgage of real estates, the minimum registered capital shall be RMB 5 million Yuan; for the pawnshop that undertakes the pawn business of pledge of property rights, the minimum registered capital shall be RMB 10 million Yuan.The minimum registered capital of a pawnshop shall be the monetary capital actually paid by shareholders, not including the capital contributed in the form of in-kind, industrial property rights, know-how and the land use right.
Article 9A pawnshop shall establish and improve the following safety systems:
1.the system for checking the certificates or licenses for accepting, renewal of a pawn and redeeming any pawned item;
2.the system for checking and keeping pawned items;
3.the system for assisting in the investigation and ordering circularly the arrest of a criminal at large;
4.the system for reporting suspicious instances; and
5.the system of equipment of security personnel.
Article 10The building construction and business facilities of a pawnshop shall conform to the relevant security standards and provisions on fire control of the state. The specific safety facilities are as follows:
1.video equipments set up in the business place (the video materials shall be kept for at least two months);
2.safeguard facilities shall be set up at the business counters;
3.warehouses for keeping pawned items and safe boxes (counters or deposits), which meet the safety requirements;
4.the alarm device;
5.safeguard facilities for doors and windows; and
6.necessary fire control facilities and equipments.
Article 11When establishing a pawnshop, an applicant shall submit the following documents to the competent department of commerce at the level of districted city (prefecture) of the locality where the pawnshop is to be established:
1.an application for the establishment, which shall specify the name, residence, registered capital, shareholders and their amount of capital contributions, business scope of the pawnshop to be established and etc., and a feasibility study report;
2.the articles of association of the pawnshop, the agreement on capital contributions and the commitment on capital contributions;
3.business rules, internal management system and safeguard measures of the pawnshop;
4.the capital verification certificate issued by a capital verification institution that has legal qualification;
5.resumes of the individual shareholders, the legal representative to be appointed and other senior managers as issued by the personnel department of the entity where their archives are placed;
6.the recent financial auditing report of the shareholders with legal person status and the certificate of capability for capital contribution as issued by the accountant firm
that has legal qualification, the resolution of the board of directors or the shareholders' meeting of the shareholders with legal person status and a photocopy of the duplicate of the business licenses thereof;
7.the effective certification documents of ownership or use right of the business place, which meet the requirements; and
8.the Notice of Approval of Enterprise Names in Advance as issued by the administrative department for industry and commerce.
Article 12Any pawnshop that meets the following conditions may establish a
trans-province (autonomous region or municipalities directly under the Central Government) branches:
1.having engaged in the pawn business for three years or more with the registered capital of not less than RMB 15 million Yuan;
2.making profits consecutively in the past two years; and
3.having no records of violating laws and regulations in its business operations during the past two years.The branches of any pawnshop shall implement the safety system as prescribed in Article 9 of the present Measures, and shall have the safety facilities as prescribed in Article 10 of the present Measures. Article 13A pawnshop shall allocate the working capital of not less than RMB 5 million Yuan to each of its branch.The total working capital of all the branches of a pawnshop shall not exceed 50% of the registered capital of the pawnshop.
Article 14When applying for establishing any branch, a pawnshop shallsubmit the following materials to the competent department of commerce at the level of districted city (prefecture) of the locality where the branch is to be established:1.the application report for establishment of the branch (which shall specify the name, residence, person-in-charge, amount of working capital and etc. of the branch to be established), a feasibility study report and the resolution of the board of directors (or the shareholders' meeting);2.the financial report of the pawnshop in the past two years as issued by a qualified accountant firm;3.the resume of the person to be appointed in charge of the branch, which is issued by the personnel department at the locality where his archives are placed;4.the effective certification documents of ownership or use right of the business place, which meet the requirements; and5.the certificate of having no records of violating any law or regulation in the past two years as issued by the competent department of commerce at the provincial level and
the public security organ of the people's government at the level of the county where it is located.Article 15After receiving an application for establishing a pawnshop or an application of a pawnshop for establishing a branch, the competent department of commerce at the level of districted city (prefecture) shall report it for examination to the competent department of commerce at the provincial level which shall in turn submit the examination opinions and the application documents to the Ministry of Commerce for approval and issuance of a License for Operation of Pawn Business. The competent department of commerce at the provincial level shall circulate a report on the relevant conditions to the public security organ of the people's government at the same level within 5 days (workdays, the same hereinafter) after receiving the approval documents of the Ministry of Commerce. And the public security organ of the people's government at the provincial level shall notify the public security organ of the people's government at the level of districted city (prefecture) of the report within 5 days
.Article 16After receiving a License for Operation of Pawn Business, the applicant shall apply for a License of Special Trades for the pawnshop to the public security organ of the people's government at the level of the local county within 10 days, and submit the following materials:1.an application report;2.the License for Operation of Pawn Business and its photocopy;3.the resumes of the legal representative, individual shareholders and other senior managers as well as the photocopies of their effective identity certificates;4.the certificate of having no records of intentional crimes as issued by the respective public security organ of the people's government at the level of the county where the registered permanent residences of the legal representative, individual shareholders and other senior managers are placed;5.the ichnography and constructional drawing of the business place and the warehouse of the pawnshop;6.the video equipments, safeguard facilities, safe boxes (counters, warehouses) and the distribution plan of the sites for the installation and setup of fire control facilities;7.various rules on public security safeguarding and fire control; and8.basic information of the public security safeguarding organizations and personnel.
Article 17The public security organ of the people's government at the level of the county where the applicant resides shall, within 10 days after accepting the
application, report the application documents and the result of preliminary examination to the public security organ of the people's government at the level of districted city (prefecture) which shall finish the examination and approval within 10 days and issue a License of Special Trades to those to whom approval is granted.The public security organ of the people's government at the level of districted city (prefecture) shall finish the examination and approval on the applications accepted directly by itself within 20 days. And, upon approval, a License of Special Trades shall be issuedThe public security organ of the people's government at the level of districted city (prefecture) shall, within 5 days after issuing a license, report the conditions of examination and approval to the public security organ of the people's government at the provincial level for archival filing; and the public security organ of the people's government at the provincial level shall report the relevant matters to the competent department of commerce at the same level within 5 days.The applicant shall, within 10 days after receiving the License of Special Trades, apply for checking in and registration at the administrative department for industry and commerce, and shall not conduct business operations until having received the business license
.Chapter III Alteration and Termination
Article 18Where a pawnshop alters its name and registered capital (excluding those whose registered capital is more than RMB 50 million Yuan after alteration), replaces its legal representative, or changes its residence within the scope of the city (region, prefecture, or league), transfers stocks (excluding those that transfer stocks to anyone else for up to 50% of its total shares accumulatively), it shall be subject to the approval of the competent department of commerce at the provincial level. The competent department of commerce at the provincial level shall report it to the Ministry of Commerce for archival filing within 20 days after approval. The Ministry of Commerce shall change the License for Operation of Pawn Business collectively in June and December each year.Where any pawnshop is split, merged, or moves its residence to another city (region, prefecture, or league), or transfers its stocks to anyone else for up to 50% of its total shares accumulatively, or the registered capital after alteration is more than RMB 50 Yuan, it shall, upon the approval of the competent department of commerce at the provincial level, report it
to the Ministry of Commerce for approval and change the License for Operation of Pawn Business.The applicant shall, after receiving the License for Operation of Pawn Business, apply for changing the License of Special Trades and the business license according to the relevant provisions of Article 17 of the present Measures. Article 19When increasing its registered capital, a pawnshop shall meet the following conditions:1.The time interval between the increase of registered capital and the time when it started its business operations or the preceding increase of registered capital shall be one year or more; and2.having no record of operation in violation of any law or regulation within one year
.Article 20If any pawnshop alters its registered capital or adjusts the structure of its capital stocks, the new individual shareholders and the senior managers to be appointed shall accept qualification examination; and the new shareholders with legal-person status and the shareholders with legal person status after capital increase shall have the corresponding capability and qualification for investment. Article 21Where anyone fails to obtain the License of Special Trades or the business license as required without justifiable reasons, or fails to start business without justifiable reasons for more than 6 months as of the date of being issued of the business license, or stops the business operation for more than 6 consecutive months after starting business, the competent department of commerce at the provincial level and the public security organ of the people's government at the level of districted city (prefecture) shall take back the License for Operation of Pawn Business and the License of Special Trades respectively, and the original approval documents shall be revoked automatically. The License for Operation of Pawn Business that has bee taken back shall be returned to the Ministry of Commerce.Where any competent department of commerce at the provincial level takes back the License for Operation of Pawn Business or any public security organ of the people's government at the level of districted city (prefecture) takes back the License of Special Trades, it shall report to each other the relevant matters through the public security organ of the people's government at the provincial level within 10 days.After its license is taken back, the pawnshop shall apply for writing-off registration to the administrative department for industry and commerce according to law.
Article 22A pawnshop shall, three months before its dissolution, file an application to the competent department of commerce at the provincial level, and shall stop other business operations except redeeming pawned objects or disposing the absolutely pawned objects upon approval and set up a liquidation group according to law to make liquidation.
Article 23After the liquidation to a pawnshop is completed, the liquidation group shall submit a liquidation report for confirmation to the competent department of commerce at the provincial levelwhich shall take back the License for Operation of Pawn Business and notify the public security organ of the people's government at the same level within 5 days.The public security organ of the people's government at the provincial level shall notify the public security organ of the people's government at the level of districted city (prefecture) that has made the original approval decision to take back the License of Special Trades within 5 days.The pawnshop shall, after the liquidation is completed, apply for writing off registration to the administrative department of industry and commerce according to law.
Article 24The competent department of commerce at the provincial level shall make a public announcement on any pawnshop that has terminated its business operations, and report it to the Ministry of Commerce for archival filing
.Chapter IV Business Scope
Article 25A pawnshop may undertake the following business operations upon approval:1.the pawn business of pledge of chattel;2.the pawn business of pledge of property rights;3.the pawn business of mortgage of real estates (excluding the real estates of other provinces, autonomous regions, and municipalities directly under the Central Government or the projects under construction for which the licenses for advance sale of commercial houses has not been obtained);4.sale of the absolutely pawned objects within a certain value;5.appraisal and counseling consultation;
and6.other pawn businesses as approved by the Ministry of Commerce according to law.
Article 26No pawnshops may undertake any of the following businesses:1.the sale of non-absolutely pawned objects or the purchase or consignment of old objects;2.the business of mortgage of chattel;3.raising funds or absorbing deposit overtly or in any
disguised form;4.granting credit loans; or5.other businesses not approved by the Ministry of Commerce.
Article 27No pawnshop may accept any of the following properties in its pawn business:1.property that has been lawfully sealed up, detained or property against which other protective measures have been taken;2.ill-gotten goods and items without clear sources;3.any item that is inflammable, easily explosive, severely toxic or radioactive and the containers thereof;4.knife tools under control, guns, ammunitions, marks used by army or police, uniforms and instruments;5.the official documents and seals of the state organs and the properties under its control;6.the certificates or licenses except the certificate of real right issued by the state organs and the effective identity certificates;7.property over which the pawner has no ownership or fails to obtain the right of disposition according to law; and8.natural resources or other property or items that are prohibited from circulating by laws, regulations and the relevant provisions of the state
.Article 28No pawnshops may have any of the following acts:1.borrowing money from entities or individuals except commercial banks;2.making inter-bank capital borrowing with other pawnshops overtly or in any disguised form;3.getting loans from commercial banks beyond the prescribed limit; or4.making foreign investment. Article 29To accept those items that are subject to uniform purchase, exclusive sale or monopolistic sale of the state, the pawnshop shall obtain the approval of the relevant departments of the government.
Chapter V Pawn Tickets
Article 30A pawn ticket is a loan contract between a pawnshop and a pawner, and is the credence for payment of pawn money to the pawner by the pawnshop.If a pawnshop comes to any agreement with a pawner on any matter beyond the pawn ticket, they shall sign a supplementary written contract. But the contents stipulated in the contract shall not violate the relevant laws, regulations and the provisions of the present Measures
.Article 31A pawn ticket shall specify the following items:https://www.doczj.com/doc/d617615502.html, and residence of the pawnshop;https://www.doczj.com/doc/d617615502.html, and residence (or address) of the pawner, relevant certificates (licenses) and their numbers thereof;https://www.doczj.com/doc/d617615502.html,, quantity, quality and status of the pawned item;4.the estimated value and the amount of pawn money;5.the interest rate
and comprehensive premium rate;6.date and term of the pawn, the term of renewal of the pawn; and7.points for attention to the pawners
.Article 32No pawnshop or pawner may transfer, lend or pledge his/its pawn ticket to any third person.
Article 33The pawnshop and the pawner shall record their pawn ticket in truth and well keep it.In case any pawn ticket is lost, the pawner shall in time report the loss to the pawnshop. In case the pawner fails to report the loss of the pawn ticket to the pawnshop, or the pawned item has been redeemed by any other person before the pawner reports the loss to the pawnshop, the pawnshop shall not be regarded as blamable and shall not compensate the loss.
Chapter IV Rules for Business Operation
Article 34No pawnshop may entrust any other entity or individual to handle the pawn business as an agent, nor may it assign any operating person to any other organization, institution or business place to conduct the pawn business.
Article 35When a pawner pawns an item or redeems any pawned item, he/it shall show his/its own effective identity certificate. If the pawner is an entity, the pawn handler shall show the certificate of the entity and the effective identity certificate of himself; in the case of a pawn by entrustment, the entrusted person shall show the power of attorney of the pawner, and the effective identity certificates of himself and the client.Except the certificates as listed in the preceding paragraph, the pawner shall, when pawning any item, provide the source of the pawned item and the relevant certificate documents according to the facts to the pawnshop. When redeeming the pawned item, the pawner shall show the pawn ticket.The pawnshop shall check the certificate documents as listed in paragraph two of this Article, which are issued by the pawner
.Article 36Both parties shall determine the estimated value and the amount of pawn money of any pawned item through negotiation.In case both parties cannot come to an agreement on the pawned value of any real estate through negotiation, they may entrust a real estate price appraisal institution that has the competent qualification to make an appraisal, and the estimated value may be regarded as a reference for determining the pawned value.The time limit of a pawn shall be stipulated by both parties, and shall not exceed 6 months at the maximum.
Article 37The interest rate for the pawn value shall apply the six-month legal interest rate of loans to a banking institution as announced by the People's Bank of China after converting the term of pawn.The interest for the pawn value shall not be deducted in advance.
Article38The comprehensive premium of a pawn shall include all kinds of service fees and overhead expenses.In the case of a pledged pawn of chattel, the monthly comprehensive premium rate shall not exceed 42‰ of the pawn value.In the case of a mortgaged pawn of real estate, the monthly comprehensive premium rate shall not exceed 27‰ of the pawn value.In the case of a pledged pa wn of property right, the monthly comprehensive premium rate shall not exceed 24‰ of the pawn
value.Where the term of a pawn is less than 5 days, the premium shall be charged as that the term is 5 days.
Article 39Upon the agreement of both parties during the period of a pawn or within 5 days after the expiration of the pawn term, the pawn may be renewed for 6 months at maximum each time. The renewed term of the pawn shall be calculated from the day when the pawn term expires or when the former renewed term of the pawn expires. To renew a pawn, the pawner shall settle all the interest for the pawn in the form term and the premium in the present term.
Article 40After a pawn term or a renewed term expires, the pawner shall redeem the pawned item or renew the term within 5 days. In case the pawner fails to redeem the item or renew the term, it shall be deemed as an absolute pawn.Where a pawner redeems a pawned item during the period between the expiration of the pawn term or the renewed term and the time for absolute pawn, he shall, apart from repaying the pawn value and the interest thereof as well as the comprehensive premium, make up the interest for the pawn value and other relevant expenses in light of the penalty level of interest rate of an overdue loan for banks and other financial institutions as prescribed by the People's Bank of China, and the premium rates for the pawn and the number of days overdue as formulated by the pawnshop.
Article 41The pawnshop shall not lease, pledge, mortgage or use any pawned item within the term of a pawn.Where a pledged item of a pawn is lost or damaged during the pawn term or the renewed term, the pawnshop shall make compensation pursuant
to the estimated value. Where the pledged item of a pawn is damaged due to force majeure, the pawnshop shall not be responsible for the compensation
.Article 42Where a pawnshop undertakes the pawn business of real estate mortgage, it shall handle mortgage registration in advance with the pawner at the relevant departments according to law, and then go through the formalities for a mortgaged pawn.When conducting the pawn business of pledge of motor vehicles, the pawnshop shallgo through the formalities for registration of the pledge at the administrative department of vehicles.Where any other pawn business managed by the pawnshop is subject to registration according to relevant laws and regulations, the pawnshop shall go through the registration formalities according to law
.Article 43The pawnshop shall treat with the absolutely pawned items according to the following provisions:1.If the estimated value of a pawned item is more than RMB 30,000 Yuan, it may be treated with according to the Guaranty Law of the People's Republic of China or may be publicly auctioned by an entrusted auction house pursuant to the agreement reached upon by both parties concerning absolute pawns. The proceeds from auction shall be returned to the pawner after deducting the expenses of auction as well as the pawn value and the interest thereof; in case the proceeds from auction are lower than the estimated value, the pawnshop may demand the pawner to make up the margin.2.If the estimated value of an absolutely pawned item is less than RMB 30,000 Yuan, the pawnshop may sell off it by itself or deal with it by converting it into money, and shall be responsible for the profit or loss thereof.3.The absolutely pawned items, which are restricted by the state from circulating, shall be treated with after being reported to and approved by the relevant administrative departments or being handed over to the designated entities for disposal.4.When setting up spots for the sale of absolutely pawned items outside its business place, the pawnshop shall report to the competent department of commerce at the provincial level for archival filing, and shall voluntarily accept the supervision and inspection of the local competent department of commerce. And5.When disposing of the shares of any listed company belonging to absolutely pawned items, the pawnshop shall win the consent and cooperation of the pawner, and shall not sell off the shares or convert them into money by itself, or entrust any auction house to auction them publicly.
Article 44The assets of a pawnshop shall be managed pursuant to the proportions below:1.Where a pawnshop gets loans from a commercial bank within the time when it starts business operation till it first submits the annual financial reports to the competent department of commerce at the provincial level and the local competent department of commerce, the balance of the loan shall not exceed its registered capital. Where a pawnshop gets loans from a commercial bank after submitting the financial reports for the first time to the competent department of commerce at the provincial level and the local competent department of commerce, the balance of the loan shall not exceed the rights and interests of the owners as stated in the financial reports submitted to the competent department in the previous year. The pawnshop shall not get loans from any commercial bank outside its own city (region, prefecture, or league). No branch of any pawnshop may get loans from any commercial
bank.2.The balance of a pawn paid to the same legal person or natural person by a pawnshop shall not exceed 25% of its registered capital;3.The balance of a pawn paid to a shareholder of a pawnshop shall not exceed the contributions made by the shareholder, and the conditions of pawn shall not be more preferential than common pawners.4.In case the net assets of a pawnshop is less than 90% of its registered capital, all shareholders shall make it up pursuant to the proportions or apply for reducing the registered capital. However, the registered capital after reduction shall not violate the provisions on the minimum registered capital of a pawnshop as prescribed in the present Measures. And5.The balance of a pledged pawn of property rights of a pawnshop shall not exceed 50% of the registered capital. The balance of a pawn of real estate mortgage shall not exceed the registered capital. If the registered capital is less than RMB 10 million Yuan, the pawn money of a single pawn of real estate mortgage shall not exceed RMB 1 million Yuan. If the registered capital is more than RMB 10 million Yuan, the pawn money of a single pawn of real estate mortgage shall not exceed 10% of the registered capital.
Article 45The pawnshop shall, according to the relevant laws and the unified accounting system of the state, establish and improve its own financial accounting system and internal auditing system.The pawnshop shall, according to the relevant provisions of the state, truthfully note down and thoroughly reflect its business activities and financial status, work out monthly financial statements and annual
financial reports and submit them to the competent department of commerce at the provincial level and the competent department of commerce at the level of districted city (prefecture) where the pawnshop is situated.The annual financial reports of a pawnshop shall be subject to the inspection and verification of accountants' firms or other legal institutions.
Chapter VII Supervision and Administration
Article 46The Ministry of Commerce shall implement centralized and specialized administration over pawnshops and perform the following regulatory
functions:1.formulating the relevant regulations and policies;2.being responsible for the administration of market access and exit on pawnshops;3.being responsible for the supervision over routine businesses of pawnshops; and4.making business guidance to the self-disciplinary organizations of the pawn industry.
Article47The Ministry of Commerce shall make adjustment and control over the total number, overall arrangement and capital scale of the pawnshops all over the country by referring to the annual development plan worked out by the competent department of commerce at the provincial level.
Article 48The License for Operation of Pawn Business shall be printed uniformly by the Ministry of Commerce. The uniform coding system shall be applied to the administration of Licenses for Operation of Pawn Business; and the measures for the coding administration shall be formulated by the Ministry of Commerce separately.The pawn tickets shall be designed uniformly by the Ministry of Commerce, and be subject to the supervision of the competent department of commerce at the provincial level which shall report the conditions on printing and use of pawn tickets to the Ministry of Commerce half a year. No entity or individual may forge or alter any pawn ticket.
Article 49The competent department of commerce at the provincial level shall submit the conditions on the operation of local pawnshops to the Ministry of Commerce on the quarterly basis. The concrete requirements and format of report forms shall be prescribed by the Ministry of Commerce separately
.Article 50The practicing personnel of a pawnshop shall hold effective identity certificates; if any foreigner or any other oversea personnel is employed in any pawnshop, he shall obtain the license for alien employment according to the relevant
provisions of the state.No pawnshops may employ any person who fails to provide the certificates as listed in the preceding paragraph.
Article 51The pawnshop shall record down and make statistics on the pledged items of pawn and the information of pawners according to the facts, and submit them for future reference according to the requirements of public security organs of the people's government at or above the level of the county where it is located.
Article 52Where a pawnshop discovers any person on whom a report has been circulated by the public security organ for assistance in investigation or any
ill-gotten goods or any other property as listed in Article 27 of the present Measures, it shall report it to the public security organ immediately.
Article 53For any ill-gotten goods or any pawned item that is suspected to be
ill-gotten goods, the public security organ shall detain it according to law and dispose it according to the relevant provisions of the state
.Article 54The competent department of commerce at the provincial level and the competent department of commerce at the level of districted city (prefecture) shall establish the system of regular inspection and irregular spot check according to the fact of their local regions so as to discover and solve relevant problems in time. In the case of stealing or robbing, fire disasters, absorbing savings through raising funds or other major cases involving litigation occurred in any pawnshop within its jurisdiction, it shall report the case to the upper level competent department of commerce and the local people's government within 24 hours, and circulate a report to the public security organ of the people's government at the corresponding level. Article 55The national association of pawn industry shall be the national
self-disciplinary organization of pawn industry, and shall be established upon the approval and registration of the civil affairs department of the State Council, and accept the business guidance of such departments as commerce and public security of the State Council.The local association of pawn industry shall be the local
self-disciplinary organization of pawn industry, and shall be established upon the approval and registration of the local civil affairs department, and accept the business guidance of such departments as commerce and public security at its locality.
Article 56The Ministry of Commerce shall authorize the competent departments of commerce at the provincial level to make annual examination on pawnshops. The concrete measures shall be formulated by the Ministry of Commerceseparately.The competent departments of commerce at the provincial level shall, within 10 days after annual examination, circulate a report on the relevant matters to the public security organs and administrative departments of industry and commerce of the people's government at the corresponding level.
Article 57The state shall implement the system of certification on the level of pawn practicing. The concrete measures shall be formulated by the Ministry of Commerce together with the administrative department of personnel of the State Council
.Chapter VIII Penalties
Article 58Where anyone establishes any pawnshop or any branch or illegally undertakes any pawn business by other means, he/it shall be subject to punishment according to the Measures for the Investigating and Punishing and Banning License-less Business Operations
.Article 59Where any pawnshop violates the provisions of item (3) and (4) of Article 26 of the present Measures and constitutes a crime, it shall be subject to criminal responsibilities according to law
.Article 60Where any pawnshop violates the provisions of item (1), (2) or (3) of Article 28 or the provisions of item (1), (2) or (5) of Article 44 of the present Measures, the competent department of commerce at the provincial level shall charge it to make corrections, and impose a fine of RMB 5000 Yuan up to RMB 30,000 Yuan on it; if a crime is constituted, it shall be subject to criminal responsibilities according to law.
Article 61Where any pawnshop violates the provisions of item (1) of Article 37 or the provisions of item (2) (3) or (4) of Article 38 of the present Measures, the competent department of commerce at the provincial level shall charge it to make corrections, and impose a fine of RMB 5000 Yuan up to RMB 30,000 Yuan on it; if a crime is constituted, it shall be subject to criminal responsibilities according to law. Article 62Where any pawnshop violates the provisions of Article 45 of the present Measures, conceals its real management conditions, provides false financial reports or financial statements or evades taxation and supervision by any other means, the
competent department of commerce at the provincial level shall charge it to make corrections, and circulate a report to the relevant departments to make investigation and punishment according to law; if any crime is constituted, it shall be subject to criminal responsibilities according to law
.Article 63Where any pawnshop violates the provisions of Article 27 of the present Measures, the public security organ of the people's government at or above the county level shall charge it to make corrections, and impose a fine of RMB 5000 Yuan up to RMB 30,000 Yuan on it; if any crime is constituted, it shall be subject to criminal responsibilities according to law.
Article 64Where any pawnshop violates the provisions of item (1), (2) or (5) of Article 26, item (4) of Article 28, or Article 34 of the present Measures, the competent department of commerce at the level of districted city (prefecture) where it is located shall charge it to make corrections, and/or impose a fine of RMB 5000 Yuan up to RMB 30,000 Yuan on it.Where any pawnshop violates the provisions of Article 29 or item (3) or (5) of Article 43 of the present Measures, accepts pawned items restricted from circulating or disposes any absolutely pawned item without obtaining the corresponding approval or consent, the competent department of commerce at the level of districted city (prefecture) where it is located shall charge it to make corrections, and impose a fine of RMB 1000 Yuan up to RMB 5,000 Yuan concurrently.Where any pawnshop violates the provisions of item (3) or (4) of Article 44 of the present Measures, has no actual capital and disturbs the order of business operation, the competent department of commerce at the level of the city (prefecture) where it is located shall charge it to make up the amount of capital or reduce its registered capital within a prescribed time limit, and impose a fine of RMB 5000 Yuan up to RMB 30,000 Yuan concurrently.
Article 65Where any pawnshop violates the provisions of paragraph three of Article 35 or the provisions of Article 51 of the present Measures, the public security organ of the people's government at or above the county level shall charge it to make corrections and impose a fine of RMB 200 Yuan up to RMB 1000 Yuan.
Article 66Where any pawnshop violates the provisions of Article 52 of the present Measures, the public security organ of the people's government at or above the county level shall charge it to make corrections and impose a fine of RMB 2000
Yuan up to RMB 10,000 Yuan; if serious consequences are resulted in or the pawnshop refuses to make corrections despite of repeated admonitions, it shall be given a fine of RMB 5000 Yuan up to RMB 30,000 Yuan.Where any pawnshop knowingly shelters, destroys or transfers any ill-gotten goods, it shall be subject to the administrative punishment of public security according to law; if it a crime is constituted, it shall be subject to criminal responsibilities according to law.
Article 67Where any pawnshop forces any person to pawn any item by means of violence or menace, or infringes the lawful rights and interests of any pawner by any other illegal means, it shall be deemed as violating the public security administration, and shall be subject to administrative punishment of public security by the public security organ according to law; if a crime is constituted, it shall be subject to criminal responsibilities.
Article 68The competent department of commerce and the public security organ shall cooperate with each other during the process of investigation and spying into any illegal and criminal act of any pawnshop. If any act of pawnshops violating the present Measures is discovered by them, they shall make investigation and verification on it, and circulate a report to each other on the results of investigation and punishment; if a pawnshop is suspected of committing a crime, the competent department of commerce shall transfer it to the public security organ in time for disposal.
Article 69Where any staff member of the competent department of commerce or the public security organ violates laws, regulations or the provisions of the present Measures during the process of examination and approval for the establishment, alteration and termination of any pawnshop, or abuses its power, seeks private gains or is derelict of duty in the supervision and administration, the person-in-charge who is directly responsible and other personnel directly liable shall be subject to administrative punishment according to law; if a crime is constituted, he shall be subject to criminal responsibilities according to law.
Chapter IX Supplementary Provisions
Article 70The competent departments of commerce and public security organs of all the provinces, autonomous regions, and municipalities directly under the Central Government may, according to the present Measures, formulate concrete
implementation measures or make provisions on the relevant matters relating to the administration of entrustment or authorization, and report them to the Ministry of Commerce and the Ministry of Public Security for archival filing.
Article 71The measures for the administration of foreign-funded pawnshops and pawnshops invested by Hong Kong, Macao and Taiwan investors shall be formulated by the Ministry of Commerce together with other relevant departments separately.
Article 72The power to interpret the present Measures shall remain with the Ministry of Commerce and the Ministry of Public Security.
Article 73The present Measures shall come into force as of April 1st, 2005. The Measures for the Administration of Pawnshops (Order No.22 of the State Economic and Trade Commission) and the Measures for the Public Security Administration of Pawn Industry (Order No.26 of the Ministry of Public Security) shall be abolished simultaneously.
Promulgated by the Ministry of Commerce, the Ministry of Public Security on 2005-02-09
典当有限公司财务管理制度 第一章总则 第一条为了规范企业的会计核算，确保公司财务管理及会计核算规范化、制度化、科学化，保证财务工作质量，及时、真实、完整地提供会计信息，充分发挥财务管理的作用，根据《中华人民共和国会计法》、《企业会计准则》、《典当管理办法》，结合公司的实际情况，特制定本制度。 第二条公司各部门及员工办理财务事务，必须遵守本制度。 第三条公司财务部应根据财政部制定的《会计基础工作规范》，结合本公司的实际情况，制定会计基础工作规范。 第四条公司财务部应根据财政部和国家档案局发布的《会计档案管理办法》制定会计档案管理办法。 第二章筹集资金管理 第五条筹集资金要在遵守《典当管理办法》及国家相关法律、法规的前提下，本着“规模适当、筹措及时、来源合理、方式经济”四项基本原则进行。 第一节筹集资金预测管理 第六条筹集资金的预测及分析。 公司实施战略规划，扩大经营规模，开设分支机构，应根据项目可行性报告，对项目所需资金进行筹集预测分析。 筹集资金由财务部根据公司经营发展实际预测需要量。 资金需求预测一般采用“现金流量法”，即预测公司现金流入量、流出量和确定计划期现金不足或多余。 财务部在预测资金需要量、确定资金缺口、分析筹资成本后，应提出几套筹集资金方案，提交董事会研究决定，确定最佳筹资方案。 第七条按资金的来源渠道不同，可将资金分为负债和所有者权益两大类。 第二节负债管理 第八条负债是由过去的交易、事项形成的现时义务，履行该义务预期会导致经济利益流出企业。负债按其流动性不同，分为流动负债和长期负债。 流动负债包括短期借款、绝当溢价、应付工资、应付福利费、应付股利、应交税金、其他应付款和预提费用。 长期负债包括长期借款、其他长期应付款。公司使用长期借款，如用于购建固定资产，在固定资产未交付使用前，则借款费用应计入固定资产的成本，除此之外借款费用直接计入当期损益。 第九条公司负债是资金的重要来源，公司应充分利用负债进行经营，获得财务
中国南方有限责任公司客户服务管理办法 1、总则 1.1 为认真贯彻“优质、方便、规范、快捷”的供电服务方针，牢固树立客户至上的服务理念，提高客户服务水平，树立公司崭新的社会形象，特制定本办法。 1.2 本办法适用于中国南方有限责任公司（下称“南方电网公司”）各子公司客户服务的管理、监督与考核。 1.3 本办法所指的“客户服务”是指供电企业及其员工在涉及客户的业扩报装、抄表、收费、用电检查、计量装拆表、“95598”客户服务系统、供电抢修、需求管理等供用电业务中，以满足客户需要为目标的行为和活动。 2、职责分工 2.1南方电网公司市场交易部是客户服务的综合管理部门，其主要工作职责是： 2.1.1 制定公司城市、农村供电规范化服务标准以及考核细则。指导各子公司制定供电服务承诺。 2.1.2 制定公司供电营业示范窗口标准和考核办法。 2.1.3 制定供电营业厅统一配置标准。 2.1.4 制定公司客户服务支持系统建设规范。
2.1.5 向公司提出开展客户服务活动意见，定期策划开展有关客户服务专项活动。 2.1.6 指导各子公司开展客户服务工作。 2.1.7 每月20日前编制客户服务信息简报。 2.1.8 制定客户满意率调查办法。 2.1.9 组织开展客户服务工作检查。 2.1.10 组织供电营业窗口考核和评比工作。 2.1.11 受理客户有关供电服务的投诉。 2.2 南方电网公司监察部是客户服务的监督部门，其主要工作职责是： 2.2.1 制定行风建设规划。 2.2.2 组织开展供电服务承诺监督工作。 2.2.3 组织开展供电规范化服务监督工作。 2.2.4 组织开展供电营业窗口建设的监督工作。 2.2.5 参加供电营业窗口考核和评比工作。 2.2.6 制定客户服务监督办法。 2.2.7 受理违法违纪问题的举报，以及涉及行风问题的投诉举报。 2.3 南方电网公司党群部是客户服务的管理部门，其主要工作职责是：
典当和寄售的区别 典当与寄售从词义和我国现时颁布的法律法规上理解是两个不同的概念：典当是一种特许的货币交易行为，典当公司组建或经营设有前置条件，也就是必须接受国家颁布《典当管理办法》之中条款的调整和制约。寄售是一般物品交易行为，就是物品的所有权人将物品放在寄售行，待寄售行将物品变卖后再结算付款的过程称为寄售。 一、典当、典当公司 1、典当——是指当户将动产、财产权利作为当物质押或者将其房地产作为当物抵押给典当行，交付一定比例费用，取得当金，并在约定期限内支付当金利息、偿还当金、赎回当物的行为称之为典当。 2、典当公司（或典当行）必须申报国家商务部批准，具有国家商务部颁发的《特种行业许可证》、工商部门颁发的《营业执照》，根据《典当管理办法》第二章第8条规定：“典当行注册资本最低限额为300万元；从事房地产抵押典当业务的注册资本最低限额为500万元；从事财产权利质押典当业务的（指证券、股票等），注册资本最低限额为1000万元。 二、寄售、寄售行
寄售（或调剂商行）是一种以代理销售的贸易方式，按照寄售协议规定的条件，由代销人代替货主进行，货物出售后，由代销人向货主结算货款的一种贸易做法。 三、典当公司与寄售行的区别 1、企业性质和业务性质不同。两者虽同为商贸行为，但寄售行以旧货小物品寄存代销为经营活动，属一般商贸行为；典当行是以资金借贷为经营活动，它属于特殊工商企业。寄售业务为信托贸易业务，典当业务为特殊的金融业务。 2、盈利方式不同。寄售行通过商品寄售后收取手续作为盈利手段；典当行通过发放贷款，以收到利息和费用为盈利手段。 3、经营对象不同。寄售行经营的对象为旧货小商品，经营过程表现为小商品的运动；典当行经营的对象为货币，经营过程表现为货币资金的运动。 4、商品销售性质和方式不同。寄售行对销售的商品没有所有权，它是受客户委托行使代销权力，其商品所有权属于客户，且售出方式单一，只局限柜台；典当行绝当商品销售目的是清偿典当借款的债权债务，商品所有权因客户绝当已全部或部分转移到典当行，且出售方式不仅可在柜台销售，还可通过折价变卖、拍卖等方式变现。 5、企业规模和设立程序不同。寄售行注册资金一般为几万元到几十万元不等，规模较小，不需要前置审批，可直接
中国建设银行客户服务管理办法 （暂行） 目录 第一章总则 第二章建行客户服务管理组织体系 第三章总公司建行项目管理工作小组工作职责 第四章客户服务中心服务职责与要求 第五章客户服务监督考核 第六章建行服务费用管理 第七章附则 附件：总公司项目领导小组与项目管理工作小组人员名单
第一章总则 第一条为了切实作好中国建设银行（以下简称“建行”）保险经纪服务与服务管理工作，增强金诚国际的服务竞争力，在建行系统内树立金诚国际保险经纪服务品牌，特制定本办法。 第二章建行客户服务管理组织体系 第二条总公司成立建行项目领导小组 公司董事长担任组长，公司总裁任副组长，设立项目经理与副经理。 小组职责：全面负责建行统保项目保险经纪服务的领导、指挥、部署、决策、协调与管理工作。 第三条总公司成立建行项目管理工作小组 工作小组由市场开发中心、客户服务中心、机构发展中心、经纪技
术中心、风险研究中心、计划财务中心、数据信息中心相关管理人员参与组成。 工作小组职责：在项目领导小组的领导下，负责建行统保项目的具体组织与实施，并负责保险期内客户服务的组织、管理、监督与考评工作。项目经理具体负责管理工作小组的相关工作。 第四条对应属于公司服务范围的建行各分行，各地客户服务中心成立建行项目小组 项目小组由1名负责人和1-2名服务专员组成，其中至少有1名服务人员持有保险经纪人资格证书。服务人员应具有良好的业务素质、高度的责任心与良好的敬业精神，能胜任客户的服务要求。 项目小组职责：在总公司建行项目管理工作小组的领导下，按照《中国建设银行固定资产保险经纪服务委托协议书》及本办法的要求为建行各级分行提供一流的保险经纪专业服务。 属于公司服务范围的分行：北京、天津、河北、山西、内蒙古、辽宁、大连、吉林、黑龙江、江苏、苏州、山东、青岛、河南、陕西、甘肃、宁夏、新疆分行和总行本级。 第三章总公司建行项目管理工作小组工作职责
典当公司内部管理制度 为提高公司工作效率，规范公司运作，维护公司权益，促进公司健康、持续发展，特制定公司内部管理制度。 一、机构设置与职能 本公司设立总经理，总经理下设三个部门：业务部、财务部和综合办。（一）总经理按照公司章程的规定履行职责。 （二）业务部职能与直接责任 部门职能：负责公司日常的业务管理工作；公司业务经营计划、业务管理具体制度的拟订和实施；进行市场、客户的信息搜集、整理。 直接责任： 1、负责对当物进行鉴定、评估、保管，支付当金； 2、负责制定《评估标准书》； 3、负责开发新业务及制定相关管理制度； 4、负责与典当业务所涉及的相关职能部门的协调工作； 5、负责公司的业务技能培训； 6、负责公司业务资料的管理工作。 （三）财务部职能与直接责任 部门职能：负责公司日常的财务管理工作及典当业务的事后监督工作。 直接责任： 1、负责公司财务管理的各项规章制度的编写、完善和执行； 2、负责编制公司的年度财务预算、决算方案；
3、负责编制财务计划，定期分析财务计划的执行情况，检查监督财务纪律； 4、会同有关部门，定期分析公司的经营情况及财务状况，促进公司取得较好的经济效益； 5、负责公司与工商、财政、税收、银行等部门之间的协调工作； 6、负责公司所有资金的筹集、调度、控制、使用； 7、定期对公司的存货、固定资产、低值易耗品进行清查盘点，确保公司资产的安全、完整； 8、负责公司现金、票据、有价证券的保管，会计凭证的编制、审核与保管，会计账册的登记、处理与保管； 9、负责对公司典当业务的事后监督工作； 10、负责办理公司的各项纳税事宜； 11、负责编制统计表，并报送相关主管部门。 （四）综合办职能与直接责任 部门职能：负责公司日常办公事务的管理工作；负责公司的安全保卫工作；制定公司考勤制度、车辆管理制度并组织实施；负责建立公司信息管理系统。 直接责任： 1、负责对办公场所管理； 2、负责办公用品的购置和管理； 3、负责制定安全制度，管理安全防范设施； 4、负责制定考勤制度、车辆管理等制度；
关于典当行业的法律法规典当业治安管理办法典当业治安管理办法 公安部第26号令 《典当业治安管理办法》已经1995年5月19日公安部部长办公会审议通过，现予以发布，自1995年9月15日起施行。 中华人民 __公安部 1995年5月30日 第一条为了加强对典当业的治安管理，保护合法经营，预防和打击违法犯罪活动，特制定本办法。第二条凡是从事典当业的，都应当遵守本办法。 第三条公安机关对典当业进行治安管理和监督检查。 公安人员到典当行执行公务，经营者和从业人员应当予以协助。 第四条经营典当行，应当具备下列安全条件：
（一）房屋建筑和经营设施符合国家有关安全标准和消防管理规定； （二）具有符合安全要求的典当物品保管库房和保险箱、柜； （三）有治安保卫、消防安全制度和相应的安全保卫人员。 第五条因故意犯罪受过刑事处分的，不得经营典当行。 第六条经营典当行，须持中国人民银行批准的文件，经所在地市、县公安机关审核，并经省、自治区、直辖市公安厅、局批准后，由市、县公安机关核发《特种行业许可证》。 第七条典当行有歇业、合并、迁移、更名、变更法定代表人等情形之一的，应当在15日前，向原发给《特种行业许可证》的公安机关申请办理变更、注销手续。 第八条典当行严禁承接下列物品： （一）赃物和不明的物品； （二）依法被查封、扣押和采取其它保全措施的财产；
（三） __，枪支、弹药，军、警用标志、制式服装和器械；（四）易燃、易爆、剧毒、放射性物品及其容器； （五）法律、法规和国家有关规定禁止典当的其它物品。 第九条典当物品，属于个人典当的，应当出具本人的居民 __；属于典当的，应当出具单位证明和经办人的居民 __；属于委托典当的，应当出具典当委托书和被委托 人、委托人的居民 __。 第十条典当行承接典当物品，应当查验典当单位和个人出具的有关证明，对典当者的姓名、单位名称、住址、居民 __号码及典当物品的名称、数量、规格、新旧程度、当据编号等逐项登记。 第十一条典当行对典当的物品，应当由专人负责，妥善保管。 第十二条典当者赎取物品，典当行凭典当者居民 __和当据等有效 __理赎取物品手续。
业务管理手册 为规范公司管理，合理有效营运资金，防范贷款风险，根据《中华人民共和国担保法》、《中华人民共和国合同法》、《贷款通则》等法律法规以及典当公司有关政策规定，特制定本制度。 一、业务流程 二、部门职责 业务部： 1、负责业务受理，在业务部外出时，由财务部受理业务。
2、负责信息资料的收集、登记工作。 3、业务审批同意后，业务部按审批意见办理相关手续。 4、单笔借款20万元（含）以上的业务，提交审贷会审批。 5、每月在30日完成当月业务台帐，对合同的类别、名称、签订单位、合同金额、付款 时间、支付金额、综合费率、执行情况、应收情况等做出详细准确的反映，如遇节假日则顺延，不得超过次月10日。 财务部： 1、负责资信材料审核，并与业务部一同现场勘察； 2、财务部审核材料、资信档案、业务手续，进行风险管控并以签批过的放款审批单为放 款依据予以放款。 3、所有股东业务的账款即将到期时财务部需提前半个月通知相关股东。 高管职责： 1、副总需对20万元以上业务参与现场勘察，对业务进行复核，提出明确意见 2、总经理需对50万以上业务参与现场勘察，对每笔业务按照审批权限进行审批。 三、业务名字解释 1.逾期贷款：是指借款合同约定到期（含展期）后未归还的贷款。 2、死当/绝当：典当期限或者续当期限届满后，当户应当在5日内赎当或者续当。既不续当也不赎当的行为为绝当。典当行可按合同约定对当物进行处理。 3、不良贷款：手续齐全、抵押物足额经审贷会同意后，因贷款企业自身经营问题无法还款的。 四、办理业务管理 1、资本金业务按%息费签订，按此费率做账纳税，其余利息按服务费收取。 2、今后所有发生业务利息一次性收取。贷款逾期的企业及个人只允许做一次展期，展期
典当行规章制度 1
典当行规章制度 【篇一：典当公司规章制度汇编】 第一部分 公司行政管理及规定 第一章人事管理制度 第一节录用规定 第1条本公司各部门人力需求申请经总经理及执行董事批准后，交行政部门作招聘计划并办理甄选事前准备。 第2条本公司员工的甄选，以学识、能力、品德、体格及适合工作所需要条件为准。采用考试和面试两种，依实际需要任择其中一种实施或两种并用。 第3条新进人员经考试、面试合格和审查批准后，由行政部门办理手续。试用期满合格后，方可正式录用，成绩优秀者，可适当缩短其试用时间。 第4条试用人员报到时，应向行政部门送交以下证件，并对所提供的资料证件的真实性负责 1、毕业证书、学位证书原件及复印件。
2、技术职务任职资格证书原件及复印件。 3、身份证原件及复印件。 4、一寸免冠照片两张。 5、其它必要的证件。 第5条凡有下列情形者，不得录用。 1、剥夺政治权利尚未恢复者。 2、被判有期徒刑或被通缉，尚未结案者。 3、吸食毒品或有其它严重不良嗜好者。 4、贪污、拖欠公款，有记录在案者。 5、因品性恶劣，曾被政府行政机关惩罚者。 6、其它经本公司认定不适合者。 第6条试用人员如因品行不良，工作欠佳或无故旷工者，可随时停止试用，予以辞退。 第7条员工录用分派工作后，应立即赴所分配的岗位工作，不得无故拖延推诿。 第二节工作管理 第1条员工应遵守本公司一切规章、通告及公告。
第2条员工应遵守下列事项 1、忠于职守，服从领导，不得有敷衍塞责的行为。 2、不得兼任其它公司的职务。 3、全体员工必须不断提高自己的工作技能，强化品质意识，圆满完成各级领导干部交付的工作任务。 4、不得携带违禁品、危险品或公司规定其它不得带入工作场所。 5、爱护公物，未经许可不得私自将公司财物携出公司。 6、工作时间不得中途任意离开工作岗位，如需离开应向主管人员请准后方可离开。 7、员工应随时注意保持办公地点、宿舍及公司其它场所的环境卫生。 8、员工在工作期间时不得怠慢拖延，不得干与本职工作无关的事情。 9、员工应团结协作，同舟共济，不得有吵闹、斗殴、搭讪攀谈、搬弄是非或其它扰乱公共秩序的行为。 10、不得假借职权贪污舞弊，收受贿赂，或以公司名义在外招摇撞骗。
当物查验制度 第一条在本公司完成当户及当物相关证件（照）查验，证明当户及当物证件（照）齐全、权属清楚和真实无误的情况下，进行当物查验。第二条当物查验必须由公司相关技术人员和业务人员共同对当物进行认真的查验。 第三条本公司不具备对当物进行查验的条件和能力时，经与当户协商同意后，委托专业部门或中介机构进行查验，查验费用由当户自负。第四条经查验，当物有严重质量瑕疵或状况不佳的，本公司不予收当。 第五条经查验，当物为国家拒收、专营、买卖物品，需经有关部门批准。 第六条经查验，下列财物不予收当： 1）依法被查封、扣押或者已经被采用其他保全措施的财产； 2）赃物和来源不明的物品； 3）易燃、易爆、剧毒、放射性物品及容器； 4）管制刀具、枪支、弹药、军、警用物品等； 5）国家机关公文、印章以及其管理的财物；
6）国家机关核发的除物权证书以外的证明及有效身份证件； 7）当户没有所有权或者未能依法取得处分权的财产； 8）法律、法规及国家有关规定禁止流通的自然资源或者其他财物。第七条查验当物来源合法性 通过询问，观察或者提供相关凭证的办法，查验当物是否合法，防止收当赃物，发现当物来源不明，或者发现赃物及有赃物嫌疑，发现当户可疑或者是公安机关通缉协查人员，查验人员应立即向公安机关报告。 第八条有价证券查验由本公司人员到出具单位进行验证。 第九条当物查验后，应由本公司查验人员填写当物查验情况说明书，并须经当户或其委托代理人签字确认。 对当物的名称、数量、质量情况进行初步的查验后，对当物进行评估，在综合当物的成新率、现行市场价格及市场价格变化趋向等因素后，确定当物评估价值。 按照当物评估价值的一定比例折算典当金额，与当户协商典当期限。
售后管理售后服务管理办法 1. 总则 . 制定目的 为加强售后服务工作，提升公司形象，特制定本办法。 . 适用范围 本公司产品销售之后，为为提供各种服务工作，除另有规定外，悉依本办法执 行。 . 权责单位 (1)售后服务部负责本细则制定、修改、废止之起草工作。 (2)总经理负责本细则制定、修改、废止之核准。 2. 售后服务规定 2.1.售后服务种类 (1)免费服务：在本公司售后免费保修期限内，为客户作产品保养或维护时， 免向客户收取费用（包括免收零配件费用及维修工时费用），称为免费服务。 (2)合同服务：在本公司产品售后，依与客户订立之产品保修合同或约定，为 客户作产品的保养或维护时，向客户收取一定费用（一般收取零配件成本 费用，免收维修工时费用），称为合同服务 (3)有偿服务：在本公司产品售出且逾保修期后，为客户作产品的保养或维护 时，向客户收取服务费用（包括零配件费用及维修工时费用），称为有偿服 务。 (4)其他服务：除上述三种服务类型之外的其他服务，包括产品咨询服务、产 品使用或日常保养指导、客户额外要求的满足等工作。 2.2.售后服务流程 (1)服务部或分公司接到客户需作产品维修服务之电话或文件时，应立即登记 于《客户服务需求表》，并委派区域服务责任人员前往服务。 (2)服务人员行前应根据客户预留的联络方式与客户取得联系，约定上门服务 时间，并进一步核查故障或其他需服务的情形。 (3)服务人员到达客户现场，应忙查明原因，并向客户作合理之解释，凡可当 场处理妥当者，均应立即着手维修完成。 (4)确属无法当场处理妥当之项目，服务人员应耐心向客户说明，并承诺完成 时间，然后将需带回本公司或分公司处理之零组件、产品取回。 (5)取回零组件、产品应与客户办妥书面交接手续，同时按时处理完成交还客 户，并安装调试完好。 (6)服务人员在保养、维修完后，应于客户之产品保修卡上注明维修时间、内 容，供下次维修时参考。 (7)服务人员应请客户在《客户服务需求表》上签字，作为认可维修工作之凭 证。 (8)属合同服务或有偿服务的，服务人员应填妥正式发票给客户，并向客户收 取合理之费用。 2.3.其他服务规定 (1)售后服务部应根据客户购买本公司产品的时间，定期向客户垂询产品使用
典当管理办法 第一章总则第一条为了规范企业的会计核算，确保公司财务管理及会计核算规范化、制度化、科学化，保证财务工作质量，及时、真实、完整地提供会计信息，充分发挥、、财务管理的作用，根据《中华人民共和国会计法》《企业会计准则》《典当管理办法》，结合公司的实际情况，特制定本制度。第二条公司各部门及员工办理财务事务，必须遵守本制度。第三条公司财务部应根据财政部制定的《会计基础工作规范》，结合本公司的实际情况，制定会计基础工作规范。第四条公司财务部应根据财政部和国家档案局发布的《会计档案管理办法》，制定会计档案管理办法。第二章筹集资金管理第五条筹集资金要在遵守《典当管理办法》及国家相关法律、法规的前提下，本着“规模适当、筹措及时、来源合理、方式经济”四项基本原则进行。第一节筹集资金预测管理第六条筹集资金的预测及分析。公司实施战略规划，扩大经营规模，开设分支机构，应根据项目可行性报告，对项目所需资金进行筹集预测分析。筹集资金由财务部根据公司经营发展实际预测需要量。资金需求预测一般采用“现金流量法”，即预测公司现金流入量、流出量和确定计划期现金不足或多余。财务部在预测资金需要量、确定资金缺口、分析筹资成本后，应提出几套筹集资金方案，提交董事会研究决定，确定最佳筹资方案。第七条按资金的来源渠道不同，可将资金分为负债和所有者权益两大类。第二节负债管理第八条负债是由过去的交易、事项形成的现时义务，履行该义务预期会导致经济利益流出企业。负债按其流动性不同，分为流动负债和长期负债。流动负债包括短期借款、绝当溢价、应付工资、应付福利费、应付股利、应交税金、其他应付款和预提费用。长期负债包括长期借款、其他长期应付款。公司使用长期借款，如用于购建固 1定资产，在固定资产未交付使用前，则借款费用应计入固定资产的成本，除此之外借款费用直接计入当期损益。第九条公司负债是资金的重要来源，公司应充分利用负债进行经营，获得财务杠杆效应；同时要保持良好的财务状况，适宜的资产负债率，避免出现大的财务风险。第十条公司偿还贷款必须经过规定的审批程序，具体程序如下：财务负责人应根据公司的财务状况，拟订资金还款计划。资金还款计划经总经理审核及董事长批准后，由财务负责人负责还款事宜。第十一条公司支付应交税金，由财务部参照税法有关规定进行核算，经财务负责人审核及总经理批准后方可执行。第三节所有者权益管理第十二条所有者权益是指所有者在企业资产中享有的经济利益，其余额为资产减去负债后的余额。所有者权益包括实收资本、资本公积、盈余公积和未分配利润。第十三条财务部作为实收资本和资本公积的管理部门。按照实收资本的构成分类，分明细核算，详细反映实收资本的构成、增减变动。资本公积主要有资本溢价、法定资产重估增值、外币折算差额、接受捐赠资产、其他资本公积，详细核算反映资本公积形成原因、增减变动。第三章资产管理第十四条资产是指由于过去的交易、事项形成并由企业拥有或者控制的资源，该资源预期会给企业带来经济利益。第一节货币资金管理第十五条货币资金包括现金、银行存款、其他货币资金（银行汇票存款、银行本票存款等）。第十六条公司设置现金和银行存款日记账，由财务部出纳人员专人负责，按照业务发生的顺序逐日逐笔登记，并做
公司客户服务办法■★第一条本公司为强化对客户服务，加强与客户的业务联系，树立良好的企业形象，不断地开拓市场，特制订本规定。 ■★第二条本规定所指服务，包括对各地经销商、零售商、委托加工工厂和消费者（以下统称为客户）的全方位的系统服务。 ■★第三条客户服务的范围1．巡回服务活动。（1）对有关客户经营项目的调查研究。（2）对有关客户商品库存、进货、销售状况的调查研究。（3）对客户对本公司产品及其他产品的批评、建议、希望和投诉的调查分析。（4）搜集对客户经营有参考价值的市场行情、竞争对手动向、营销政策等信息。2．市场开拓活动。（1）向客户介绍本公司产品性能、特点和注意事项，对客户进行技术指导。（2）征询新客户的使用意见，发放征询卡。3．服务活动。（1）对客户申述事项的处理与指导。（2）对客户进行技术培训与技术服务。（3）帮助客户解决生产技术、经营管理、使用消费等方面的技术难题。（4）定期或不定期地向客户提供本公司的新产品信息。（5）举办技术讲座或培训学习班。（6）向客户赠送样品、试用品、宣传品和礼品等。（7）开展旨在加强与客户联系的公关活动。 ■★第四条管理各营业单位主管以下列原则派遣营销员定期巡访客户。（1）将各地区的客户依其性质、规模、销售额和经营发展趋势等，分为A、B、C、D四类，实行分级管理。 （2）指定专人负责巡访客户（原则上不能由本地区的负责业务员担任）。
■★第五条实施各营业单位主管应根据上级确定的基本方针和自己的判断，制订年度、季度和月份巡回访问计划，交由专人具体实施。计划内容应包括重点推销商品、重点调查项目、特别调查项目和具体巡访活动安排等。■★第六条赠送对特殊客户，如认为有必要赠送礼品时，应按规定填写《赠送礼品预算申请表》，报主管上级审批。 ■★第七条协助为配合巡回访问活动展开，对每一地区配置1—2名技术人员负责解决技术问题。重大技术问题由生产部门或技术部门予以协助解决。■★第八条除本规定确定事项外，巡访活动需依照外勤业务员管理办法规定办理。 ■★第九条日报巡回访问人员每日应将巡访结果以“巡访日报表”的形式向上级主管汇报，并一同呈报客户卡。日报内容包括：（1）客户名称及巡访时间。（2）客户意见、建议、希望。（3）市场行情、竞争对手动向及其他公司的销售政策。（4）巡访活动的效果。（5）主要处理事项的处理经过及结果。（6）其他必要报告事项。 ■★第十条月报各营业单位主管接到巡访日报后，应整理汇总，填制“每月巡访情况报告书”，提交公司主管领导。 ■★第十一条通报各营业单位主管接到日报后，除本单位能够自行解决的问题外，应随时填制“巡访紧急报告”，通报上级处理。报告内容主要包括：（1）同行的销售方针政策发生重大变化。（2）同行有新产品上市。（3）
典当有限公司业务规则 为提高公司工作效率，规范公司业务操作，加强公司从业人员的行为自律，维护公司以及当户合法权益，防微杜渐，降低经营风险，促进公司业务健康、持续发展，特制定本业务规则。 一、经营范围 （一）本公司可以经营下列业务（以注册资本为1000万元以上为例）： 1、动产质押典当业务，如金银饰品、珠宝、家电、古玩字画等物品质押业务，以及交通工具、生产设备、生产原料、生产成品等物资的质押业务。 2、财产权利质押典当业务，如企业股权、林权等；有价证券、票据、仓单、提单等。 3、房地产（外省、自治区、直辖市的房地产或者未取得商品房预售许可证的在建工程除外）抵押典当业务； 4、经有关部门批准的国家统收、专营、专卖物品的典当。 5、限额内绝当物品的变卖； 6、鉴定评估及咨询服务。 （二）本公司不得经营下列业务： 1、《典当管理办法》第二十七条规定的以及相关法律法规禁止典当的财物一律不予典当； 2、非绝当物品的销售； 3、动产抵押业务； 4、集资、吸收存款或者变相吸收存款； 5、发放信用贷款。 二、资产管理 （一）本公司资产按照下列比例进行管理： 1、对同一法人或者自然人的典当余额不得超过注册资本的25％； 2、对公司股东的典当余额不得超过该股东入股金额； 3、公司净资产低于注册资本的90%时，各股东应当按比例补足或者申请减少注册资本； 4、财产权利质押典当余额不得超过注册资本的50%。房地产抵押典当余额不得超过注册资本。房地产抵押典当单笔当金数额不得超过注册资本的10%。 （二）负债管理
1、公司不得从商业银行以外的单位和个人借款，并且不得从本市（地、州、盟）以外的商业银行贷款； 2、与其他典当行拆借资金； 3、公司按照《典当管理办法》规定限额从商业银行贷款。 （三）公司不对外投资 三、经营规则 （一）典当期限 1、典当期限最短为5天，最长为6个月，不足5天按5天计算。 2、典当期限届满后5日内，经双方同意可以续当，续当一次的期限最长为6个月，续当期自典当期限届满或者前一次续当期限届满之日起算。 3、提前赎当的，典当期限按实际天数计算。 （二）典当费用及费率 1、典当费用：典当费用分为综合费用和当金利息。综合费用包括各种服务及管理费用。当期不足5日的，按5日收取有关费用。 2、综合费用在发放当金时预扣，当金利息不得预扣。 3、动产质押典当的月综合费率不得超过当金的42‰。 4、房地产抵押典当的月综合费率不得超过当金的27‰。 5、财产权利质押典当的月综合费率不得超过当金的24‰。 6、典当当金利率，按中国人民银行公布的银行机构6个月期法定贷款利率及典当期限折算后执行。 7、综合费率与当金利率可根据当地市场价和当户信用情况实行折扣让利，但最低不低于5折。若当户于典当期限或者续当期限届满至绝当前赎当的，除须偿还当金本息、综合费用外，按约定补交当金利息和有关费用。 （三）估价与当金 1、当物的估价金额及当金数额应当由双方协商确定。 2、典当行专业人员对当物进行合理估价，并征得当户同意后，按估价的30％-90％确定当金数额。 3、房地产的当金数额经协商不能达成一致的，双方可以委托有资质的房地产价格评估机构进行评估，估价金额可以作为确定当金数额的参考。 4、当物估价金额不足人民币贰佰元的，一般不予办理典当。 （四）收当 1、当户是自然人的，该自然人应是完全民事行为能力人，并且必须出示其本人居民身份证，同时提交与原件相符的居民身份证复印件以核实后备档。委托典当
典当管理办法细则 典当是以特定物品或者财产权利质押的形式,向典当机构借贷的特殊融资方式。下文是典当管理办法细则，欢迎阅读! 典当管理办法细则最新版 第一章总则 第一条为规范典当行为，加强监督管理，促进典当业规范发展，根据有关法律规定，制定本办法。 第二条在中华人民共和国境内设立典当行，从事典当活动，适用本办法。 第三条本办法所称典当，是指当户将其动产、财产权利作为当物质押或者将其房地产作为当物抵押给典当行，交付一定比例费用，取得当金，并在约定期限内支付当金利息、偿还当金、赎回当物的行为。 本办法所称典当行，是指依照本办法设立的专门从事典当活动的企业法人，其组织形式与组织机构适用《中华人民共和国公司法》的有关规定。 第四条商务主管部门对典当业实施监督管理，公安机关对典当业进行治安管理。 第五条典当行的名称应当符合企业名称登记管理的有关规定。典当行名称中的行业表述应当标明"典当"字样。其他任何经营性组织和机构的名称不得含有"典当"字样,不得经营或者变相经营典当业务。 第六条典当行从事经营活动，应当遵守法律、法规和规章，遵循平等、自愿、诚信、互利的原则。 第二章设立 第七条申请设立典当行，应当具备下列条件： (一)有符合法律、法规规定的章程; (二)有符合本办法规定的最低限额的注册资本; (三)有符合要求的营业场所和办理业务必需的设施; (四)有熟悉典当业务的经营管理人员及鉴定评估人员; (五)有两个以上法人股东，且法人股相对控股; (六)符合本办法第九条和第十条规定的治安管理要求;
(七)符合国家对典当行统筹规划、合理布局的要求。 第八条典当行注册资本最低限额为300万元;从事房地产抵押典当业务的，注册资本最低限额为500万元;从事财产权利质押典当业务的，注册资本最低限额为1000万元。 典当行的注册资本最低限额应当为股东实缴的货币资本，不包括以实物、工业产权、非专利技术、土地使用权作价出资的资本。 第九条典当行应当建立、健全以下安全制度： (一)收当、续当、赎当查验证件(照)制度; (二)当物查验、保管制度; (三)通缉协查核对制度; (四)可疑情况报告制度; (五)配备保安人员制度。 第十条典当行房屋建筑和经营设施应当符合国家有关安全标准和消防管理规定，具备下列安全防范设施： (一)经营场所内设置录像设备(录像资料至少保存2个月); (二)营业柜台设置防护设施; (三)设置符合安全要求的典当物品保管库房和保险箱(柜、库); (四)设置报警装置; (五)门窗设置防护设施; (六)配备必要的消防设施及器材。 第十一条设立典当行，申请人应当向拟设典当行所在地设区的市(地)级商务主管部门提交下列材料： (一)设立申请(应当载明拟设立典当行的名称、住所、注册资本、股东及出资额、经营范围等内容)及可行性研究报告; (二)典当行章程、出资协议及出资承诺书; (三)典当行业务规则、内部管理制度及安全防范措施; (四)具有法定资格的验资机构出具的验资证明; (五)档案所在单位人事部门出具的个人股东、拟任法定代表人和其他高级管理人员的简历;
编号： 大客户服务质量监督管理办法 1 目的 为了加强大客户服务质量的精确化管理，贯彻“用户至上，用心服务”的服务理念，增强员工服务意识和质量观念，使大客户服务质量受控，提高大客户的满意度和忠诚度。 2 适用范围 本办法适用于上海电信大客户部。 3 引用标准/文件 3.1 GB/T 19000 idt ISO9000:2000 《质量管理体系基础和术语》3.2 GB/T 19000 idt ISO9000:2000 《质量管理体系要求》 3.3《中华人民共和国电信条例》（国务院291号，2000年10月1日起施行） 3.4《电信服务规范》（中华人民共和国信息产业部第36号令颁布，2005年4月20日起施行） 3.5 《电信服务质量监督管理暂行办法》（信息产业部令［第６号］）3.6 《电信服务质量通告制度》（信息产业部信部[2001]114号） 3.7 《中国电信营业服务规范》（中国电信［2005］538号） 4 定义/术语 4.1大客户服务质量包括业务受理、安装/维修、产品质量、价格、客户经理服务等多方面的质量。 5 职责 5.1营销管理部是大客户服务规划和服务质量监督管理的部门
5.1.1负责大客户本部客户投诉的归口处理及分析； 5.1.2负责大客户本部各部门、区局大客户中心的大客户服务质量指标的检查，负责监督持续改进的效果； 5.1.3负责组织大客户服务质量常态调查和评估分析； 5.1.4负责协调、改进大客户服务方面的相关流程、制度； 5.1.5负责对影响大客户服务质量的热点问题提出改进方案，并跟踪落实情况。 5.1.6负责指导大客户本部各部门、区局大客户中心客户关怀工作，维系客户关系，提升客户满意程度。 5.2人力资源处根据每年度服务质量要求，落实各部门KPI服务考核 指标。 5.3综合支撑部是大客户服务工作的支撑部门、服务对口部门 5.3.1负责日常服务支撑工作，解决业务受理、安装/维修、产品质量、账务等出现的问题。 5.3.2负责向后端传递满意度报告中客户反映的问题，跟踪反馈意见。 5.4营销部 5.4.1履行日常客户服务工作，根据发现的问题，按《客户经理服 务规范》等要求，与客户进行沟通。 5.4.2与客户加强交流，获取客户对电信的所提供的产品/服务的 需求、看法和建议，维系客户关系。 6 流程图
典当行管理暂行办法 目录 第一章总则 第一条为加强对典当业的管理，保障典当业健康发展，根据《中华人民共和国中国人民银行法》和有关法律、法规，制定本办法。 第二条中国人民银行是典当业的主管部门，负责典当机构设立、变更、终止的审批以及对典当机构的监督管理。 第三条典当行是以实物占有权转移形式为非国有中、小企业和个人提供临时性质押贷款的特殊金融企业。第四条典当行应比照有限责任公司形式组建。典当行应当具备法人条件，依法取得法人资格，实行独立核算、自主经营、自负盈亏，依法纳税。 第五条典当机构的名称必须含有“典当行”字样。其他任何组织的名称不得含有“典当行”字样。 第六条典当行必须遵守国家法律、法规，以服务群众、发展经济为宗旨。 第七条凡在中华人民共和国境内设立的典当行必须遵守本办法。 第二章典当行的设立、变更和终止 第八条申请设立典当行，必须报中国人民银行当地分支行审核，由中国人民银行省、自治区、直辖市、计划单列市分行批准并报中国人民银行总行备案。第九条未经中国人民银行批准不得设立典当行。 第十条禁止设立个体典当行，禁止非典当行经营典当业务。 第十一条典当行不得设立分支机构。 第十二条设立典当行，必须具备下列条件： （一）有符合本办法规定的最低限额以上的人民币实收货币股本金；
（二）有熟悉典当业务的经营管理人员； （三）有完备的典当行章程； （四）有固定、安全的营业场所和必需的设施。第十三条经中国人民银行批准，申请人应按规定进行典当行的筹建。筹建典当行，应当向中国人民银行当地分支行提交下列材料： （一）筹建申请报告；（二）可行性报告； （三）典当行章程草案； （四）筹建人员名单及其简历；（五）拟定股东的财务状况材料及其出资的承诺文件； （六）中国人民银行要求提交的其他材料。 第十四条典当行的筹建工作应当自中国人民银行批准之日起１８０ 天内完成，筹建期满未能达到开业要求的，原批准文件自动失效。 第十五条申请人在规定的期限内完成筹建工作后，应当向中国人民银行当地分支行申请开业。申请开业应当报送下列材料： （一）筹建情况及开业申请报告；（二）典当行章程和必要的规章制度；（三）人民银行认可的法定验资机构出具的验资证明，股本金入帐凭证复印件； （四）拟任法定代表人和主要负责人简历；（五）营业场所所有权或者使用权的证明文件； （六）中国人民银行要求提交的其他材料。 第十六条经批准开业的典当行，应当持中国人民银行颁发的《金融机构营业许可证》到公安部门申领《特种行业许可证》，再到工商行政管理部门登记，领取营业执照后，方可营业。 第十七条典当行变更名称、法定代表人、地址、注册股本金股本结构及修改章程，应当报原审批机关审批。 第十八条典当行不得擅自终止营业。典当行因故不能继续营业时，应当书面报告原审批机关，经批准后方可停业。第十九条典当行撤销或合并，应当向中国人民银行当地分支行提出书面申请，经原审批机关审批后，在人民银行当地分支行和有关部门的监督下，清理债权债务，处理契约关系，缴销《金融机构营业许可证》，并到公安、工商行政管理部门办理注销登记手续。 第二十条典当行设立股东会、董事会（执行董事）和监事会。典当行设经理，由董事会聘任或者解聘。 第三章股本金
典当有限公司收当、续当、赎当查验证件(照)制度
典当有限公司收当、续当、赎当查验证件(照)制度 本制度待批准设立后，在公安部门指导下按规定和要求予以修订完善。 一、办理收当、续当与赎当，当户均应当出具本人的有效证件。身份证、户口本、驾驶执照、护照、军官证、士兵证等。 二、当户是单位的，经办人员应当出具单位证明和经办人的有效证件。法人营业执照、法人代码证、税务登记证等。 三、委托典当中，被委托人应当出具典当委托书、本人和委托人的有效身份证件、法人委托书等。 四、出当时，当户应当如实向典当行提供当物来源及相关证明材料。 五、赎当时，当户应当出示当票。 六、个人有效证件查验(身份证、户口本、驾驶员、执照、护照、军官证、士兵证等)；单位有效证件(法人营业执照、税务登记证、法人委托书等)，个人办理房屋典当抵押，需携带的有效证件：房屋产权证、房屋所有权证、私有房县、乡、镇土地使用证、产权人的身份证(己婚，他方身份证)城市居民户口。如离异，应提供离婚证明及法院判决书，如未婚，由户口所在街道办事处或单位出具未婚证明。委托代理的，需要委托人身份证，受委托人身份证。 七、单位房屋典当抵押需要带法人代表身份证、企业法人证、营业执照、房产使用证、委托代理的受委托人身份证。 八、房屋开发公司抵押典当所需法人代表身份证、经营许可证、
建筑工程许可证、土地使用审批许可证。 当物查验、保管制度 本制度待批准设立后，在公安部门指导下按规定和要求予以修订完善。 一、当物查验是《典当管理办法》的重要制度，公司全体业务人员必须认真执行： (一)查验当物是否被依法查封、扣押或者己经被采取其他保全措施的财产。 (二)赃物和来源不明的物品。易燃、易爆、剧毒、放射性物品及其容器。 (三)管制刀具，枪支、弹药，军、警用标志、制式服装和器械。 (四)国家机关公文、印章及其管理的财物。 (五)国家机关核发的除物权证书以外的证明及有效身份证件。 (六)当户没有所有权或者未能依法取得处置权的财产。 (七)法律、法规及国家有关规定禁止流通的自然资源或者他财物。 二、公司落实严格的当物保管制度，是典当行有效履行当物保管法定义务的必要基础和条件，当物保管必须专人负责，落实责任制。因此，要执行好以下保管制度： (一)对典当物品在当期内不得出租、质押、抵押和使用当物。 (二)质押物在典当期内或者续当期内保证不发生遗失或者损毁。 (三)典当行在占有当户交付的当物期间，必须对典当物品由专人负责、妥善保管。 (四)当物保管库房，全部是钢筋混凝土建造，并安装防盗门窗，设灭火器、保全柜、保险箱、自动报警装置、录像设备、防鼠网等。库房要做到清洁卫生、防盗、防潮、防火、防霉烂变质、防虫、防鼠等。
XXXX（北京）投资基金管理有限公司 客户服务管理办法
第一章总则 为规范公司对客户资料的录入、统计、归档及客户信息的管理，为客户提供更加优质的服务，为公司更加有效的积累客户，同时为有效规避风险，特制定本办法。 第二章客户信息管理 1.本办法适用于购买公司基金产品的VIP客户【指累计认购基金份额500 万以上的合格投资者】、高级净值客户【指累计认购基金份额300万-500万（不含）的合格投资者】、准高级净值客户【指累计认购基金份额100万-300万（不含）不的合格投资者】、中级净值客户【指累计认购基金份额低于100万的合格投资者】、目标净值客户【指潜在的可能认购公司基金产品的合格投资者】。 2.客服专员负责所有签约客户信息的录入、统计及归档。 3.客户信息应包括但不限于以下内容： ①机构客户的营业执照正副本复印件、或证明法人身份的其他有效证 件的复印件。 ②机构客户组织机构代码证复印件。 ③自然人客户身份证复印件、单位客户的法定代表人或单位负责人的身份 证复印件、银行打款回执单。 ④客户联系方式（包括电话、传真、邮箱和家庭住址等）。 ⑤针对不愿透漏个人信息的特殊客户，须由客服经理上报总经理审批，但
客服部需要记录介绍人或全权代理人的相关信息。 ⑥客户的其他访谈信息。 4.客服部应建立客户档案。每接洽、签约一个新客户，均应在业务系统中 建立客户档案；客户档案需要标准化、规范化，应包含本办法第三条规定的客户信息，并将客户信息文件扫描进行电子保存与纸质保存。5.客户资料的变动、与本公司的业务往来情况及年度参与产品购买与产品 到期退出的金额统计信息等，均须记入客户档案。 6.负责客户信息统计的员工离职时，不得将客户的任何资料带走，离职员 工应协助客服人员对客户资料进行接收、整理及归档，不得擅自使用有关客户的任何信息。 7.客户信息查阅实行权限管理，未经公司总经理许可，客服部以外人员不 得随意调阅客户档案。 8.客服部员工对VIP客户、高级净值客户、准高级净值客户、中级净值客 户及目标净值客户等重要渠道客户实行一对一服务。 9.客服部负责每月定期向VIP客户、高级净值客户、准高级净值客户、中 级净值客户寄送公司内刊及基金项目公告。 10.在重要节假日或客户生日时，对现有的各种级别客户均须编写短信、 祝福电话或者邮件问候。 11.有关客户的信函、传真等，均应按照规定记录在案，并整合在客户档 案内。 12.负责与客户联系的员工离职时，应由客服部及时通知客户，并指派其 他员工迅速与客户建立联系。