Lenderhomemortgage N Lender Lender Home Mortgage Lv Tenisz Blog 2012 01 26 Federer Nadal Alomelodonto Melbourne Ben Lender Home Mortgage Notice of Shanghai Banking Association on Issuing and Implementing the Self-disciplinary Convention Nadal on the Individual Home Mortgage Loan Business in the Banking Sector of Shanghai-上海市银行同业公会关于颁发执行《上海市银行业个人房地产按揭贷款业务自律公约》的通知-www.lawinfochina.com.tw

Notice of Shanghai Banking Association on Issuing and Implementing the Self-disciplinary Convention on the Individual Home Mortgage Loan Business in the Banking Sector of Shanghai

Promulgation date:	12-23-2009	Department:	Shanghai Municipality
Effective date:	01-01-2010	Subject:	Real Estate

Notice of Shanghai Banking Association on Issuing and Implementing the Self-disciplinary Convention on the Individual Home Mortgage Loan Business in the Banking Sector of Shanghai
(No.177 [2009] of Shanghai Banking Association)

All member entities:

The Self-disciplinary Convention on the Individual Home Mortgage Loan Business in the Banking Sector of Shanghai (hereinafter referred to as “Convention”, see the attached) has been deliberated at the chairman’s executive meeting of the SBA and has been voted through by correspondence successively by the board of directors and member entities. Pursuant to Article 30 of Chapter IV of the Bylaws of Shanghai Banking Association (Amendment on April 29, 2009), the Convention has already come into force. The Convention is hereby officially issued. You shall seriously implement it, voluntarily fulfill your membership duties, abide by the provisions of the Convention and maintain the solemnity and authority of the Convention.

To properly prepare for the implementation of the Convention, we hereby give the following specific requirements:
1. All member entities shall immediately organize branch offices within your respective jurisdictions and the staff members engaging in the business to learn and master the contents of the Convention and the key points in its implementation, and make sure that the said branch offices and staff members can regulate their business operations in strict accordance with the Convention.
2. All member entities shall seriously follow the requirements of the Convention on “sticking to independent and.....

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上海市银行同业公会关于颁发执行《上海市银行业个人房地产按揭贷款业务自律公约》的通知

发布日期：	2009-12-23	发布部门：	上海市
生效日期：	2010-01-01	类别：	房地产

上海市银行同业公会关于颁发执行《上海市银行业个人房地产按揭贷款业务自律公约》的通知
（银公字[2009]第177号）

各会员单位：
　　《上海市银行业个人房地产按揭贷款业务自律公约》（以下简称“公约”，详见附件）先后经我会会长办公会议审定，理事会通讯表决通过，并由会员单位通讯表决通过。根据《上海市银行同业公会章程》（2009年4月29日修正案）第四章第三十条有关规定，“公约”已生效。现正式予以颁发，请认真贯彻执行，自觉履行会员义务，遵守“公约”各项规定，维护“公约”的严肃性和权威性。
　　为妥善做好“公约”执行的各项工作，提出以下具体工作要求：

　　一、请各会员单位立即组织所辖分支机构及业务从业人员开展业务学习，掌握“公约”内容和实施要点，确保分支机构和从业人员严格按“公约”规定规范业务操作。

　　二、各会员单位应认真按“公约”中有关“坚持独立审慎经营，加强合规管理，做好尽职调查，要与借款人面谈贷款申请，面签贷款合同”的要求，做好个人房地产按揭贷款业务的服务工作，按需配备人员，避免因业务流程的变化，引发客户投诉。

　　三、各会员单位应充分认识到执行“公约”系行业的自律行为，按照我会《上海市银行业自律公约》（2005年全体会员单位签字生效）的相关规定，自觉维护行业形象，妥善把握新闻宣传口径，确定专人受理媒体采访事宜。如遇问题，可向我会咨询。

　　四、建议各会员单位在今年年末至明年一季度开展个人直客式按揭贷款业务的宣传，提升自身品牌的知名度，以服务、产品、真诚赢得客户。

　　五、本通知下发后，请各会员单位加强与我会的信息沟通和反馈。如发现其他会员单位存在违反“公约”的行为，请及时向我会举报。
　　公会联系人：姚丽文联系电话：61656815、13901991385
　　E-MAIL：yaolw@sbacn.org
　　黄海博联系电话：61656811，13818175676
　　E-MAIL：hanghb@sbacn.org
　　沈剑颖联系电话：61656808，13817000506
　　E-MAIL： shenjy@sbacn.org
　　特此通知。

　　附件：《上海市银行业个人房地产按揭贷款业务自律公约》

　　二ＯＯ九年十二月二十三日

　　附件：

　　上海市银行业个人房地产按揭贷款业务自律公约

　　第一条　为强化银行业自律，规范个人房地产按揭贷款业务，营造公平竞争环境，共同维护银行业良好竞争秩序，促进上海地区个人房地产按揭贷款业务稳健发展，根据《中华人民共和国商业银行法》、《上海银行业反不正当竞争公约》、《上海银行业反商业贿赂公约》和《上海市银行同业公会章程》等有关规定，经上海市银行同业公会（以下简称同业公会）全体会员单位共同商定，制定本公约。

　　第二条　本公约适用于全体会员单位及其从业人员。

　　第三条　全体会员单位承诺：本行办理个人房地产按揭贷款业务，坚持独立审慎经营，加强合规管理，做好尽职调查，要与借款人面谈贷款申请，面签贷款合同。不以任何形式向房地产中介机构、房地产销售机构、个人房屋贷款服务机构以及相关从业个人（以下简称房地产中介机构或其从业人员）支付佣金；不以任何方式规避本公约的各项规定为支付佣金提供资金或相关财务安排；对本行违反公约支付佣金的从业人员及时作出严肃处理。

　　第四条　本公约所称个人房地产按揭贷款，包括个人住房贷款和个人商业用房贷款。

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Lenderhomemortgage N Lender Lender Home Mortgage Lv Tenisz Blog 2012 01 26 Federer Nadal Alomelodonto Melbourne Ben Lender Home Mortgage