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铜川市人民政府关于印发铜川市新型农村社会养老保险实施办法的通知

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铜川市人民政府关于印发铜川市新型农村社会养老保险实施办法的通知

陕西省铜川市人民政府


铜川市人民政府关于印发铜川市新型农村社会养老保险实施办法的通知

铜政发〔2009〕57号


各区县人民政府,市新区管委会,市政府各工作部门、直属机构:
  《铜川市新型农村社会养老保险实施办法》已经市政府同意,现印发给你们,请遵照执行。

铜川市人民政府
二○○九年十一月十四日

铜川市新型农村社会养老保险实施办法

  第一章 总 则
  第一条 根据国务院《关于开展新型农村社会养老保险试点的指导意见》(国发〔2009〕32号)和《陕西省人民政府关于开展新型农村社会养老保险试点的实施意见》(陕政发〔2009〕55号),结合我市实际,制定本办法。
  第二条 本办法适用于我市行政区域内农业户籍年满16周岁以上(不含在校学生),未参加城镇职工基本养老保险的农村居民,在户籍地自愿参加新型农村社会养老保险。
  第三条 新型农村社会养老保险坚持“保基本、广覆盖、有弹性、可持续”的基本原则;以保障参保人年老后的基本生活为目的;采取个人缴费、集体补助、政府补贴相结合的筹资模式;坚持待遇水平与社会经济发展水平相适应,权利与义务相对等,激励与约束相一致的原则。
  第四条 全市新型农村社会养老保险现阶段实行市级统筹、区县经办、定额补贴、分级负担的原则,视经济发展状况逐步达到国家规定补贴标准。
  第五条 市劳动保障局是全市新型农村社会养老保险工作的行政主管部门,负责政策制定和监督指导;市级农村社会养老保险经办机构负责全市农村社会养老保险工作的综合管理;区县人民政府负责本行政区域内新型农村社会养老保险工作的推行;区县劳动保障行政主管部门负责组织实施和监督管理;区县农村社会养老保险经办机构负责保险费收缴、养老金支付、个人账户管理;乡镇人民政府负责本行政区域内的宣传动员和组织实施,具体业务由乡镇劳动保障事务所承担;村民委员会负责以村为单位统一办理参保缴费手续。
  第六条 各级农保经办机构工作经费纳入同级财政预算。市、区县财政、劳动保障部门根据农保工作需要,合理核定和安排专项工作经费预算。
  第二章 基金筹集
  第七条 新型农村社会养老保险费缴费设每人每年100元、200元、300元、400元、500元5个档次,由参保人自主选择档次缴费。
  第八条 新型农村社会养老保险费按年缴纳。参保缴费起始日年满60周岁以上、未享受城镇职工养老保险待遇的,不用缴费,可以按月领取基础养老金,但其符合参保条件的配偶、子女及其配偶应当参保并正常缴费。
  第九条 省、市、区县财政对于参保人员缴纳养老保险费给予适当补贴,列入国家和省上试点县(区)的,每人每年财政定额补贴30元,其中省财政补贴15元,市、区县财政各补贴7.5元。
  第十条 纳入国家和省级试点的县(区),符合领取基础养老金人员,可增设两个档次加发基础养老金,其中70周岁至79周岁加发10元,80周岁及以上加发20元,加发部分资金由市、区县财政各承担50%。
  第十一条 重度残疾人参加新型农村社会养老保险,按最低档次的缴费标准给予全额补贴,所需资金由省级全额负担;中度和轻度贫困残疾人参保缴费补贴比例为最低缴费标准的50%,由市、区县各承担一半。具体认定办法由劳动保障部门会同财政部门、残联共同制定。
  第十二条 鼓励有条件的村(组)集体经济组织,对本村(组)参保人员缴费给予补助,具体补助办法由村民代表大会决定。提倡和鼓励国家机关、团体和社会各界对农村居民参保缴费给予扶持和资助。
  第三章 个人帐户管理
  第十三条 区县农村社会养老保险经办机构为参保农民建立终身记录的养老保险档案和个人账户,核发《铜川市新型农村社会养老保险缴费手册》。
  第十四条 参保人员养老保险个人账户包括:
  (一)个人缴纳的养老保险费总额及其利息;
  (二)村(组)集体补助总额及其利息;
  (三)各级政府对参保人的缴费补贴;
  (四)其他社会经济组织对参保人缴费的资助。
  第十五条 参保人员个人账户的储存额每年参照中国人民银行公布的人民币一年期同期存款利率计息。农保经办机构每年对参保人员个人账户中的储存额结息一次。
  第十六条 参保人员在本市行政区域内转移养老保险关系的,只需转移关系,不需转移资金。参保人员转往外地市的,个人账户金额全部转移。
  第十七条 参保人员有权向农保经办机构查询基本养老保险有关情况,经办机构应当及时提供相应的服务。
  第四章 养老金待遇
  第十八条 参保人员养老保险待遇由个人账户养老金和基础养老金两部分组成。个人账户养老金计发办法为:个人账户积累总额除以国家规定的个人账户养老金计发月数。即:个人账户养老金月领取标准=个人账户积累总额/139(与现行城镇职工基本养老保险个人账户计发系数相同)。现阶段全市基础养老金标准为:国家规定60周岁以上每人每月基础养老金55元,纳入国家试点县(区)的符合领取条件的参保人由中央财政全额补贴,纳入省级试点县(区)的,基础养老金由市、区县财政各承担50%。
  第十九条 基础养老金与参保缴费年限挂钩,对45周岁以下的农村居民,在其参保缴费达到规定缴费年限(15年)的前提下,每多缴费一年,到符合领取养老金条件时,对应增加基础养老金2元,以提高年轻参保人员年老后的待遇水平,激励年轻农村居民尽早参保。提高基础养老金部分由市、区县财政分别承担50%。
  第二十条 具备以下条件之一的,可享受养老保险待遇:
  (一)参保缴费起始日年满60周岁以上,未享受城镇职工基本养老保险待遇的,且符合参保条件的配偶、子女及其配偶已按规定参保并正常缴费的人员;
  (二)参保缴费起始日45周岁以上,按年缴费,也允许补缴,累计缴费不超过15年,且年满60周岁的人员;
  (三)参保缴费起始日45周岁以下,按规定参保且累计缴费不少于15年的、年满60周岁的人员。
  第二十一条 达到享受养老保险待遇年龄但未按规定缴纳养老保险费的,应按规定补缴(含利息),从缴清次月起享受养老保险待遇。补缴部分不享受财政补贴。
  第二十二条 参保人员死亡的,可以将个人账户中的资金余额,除政府补贴外,退还给法定继承人或指定受益人;政府补贴余额用于继续支付其他参保人的养老金。
  第二十三条 国家根据经济发展和物价变动等情况,适时调整新农保基础养老金的最低标准。
  第二十四条 参保人员养老保险待遇由农保经办机构按月实行社会化发放。区县农保经办机构为符合条件的农民核发《铜川市新型农村社会养老保险领取证》,参保农民凭证按月领取。领取养老保险待遇的人员每年应参加资格认证,领取期间死亡的,其直系亲属或者有关人员应在一个月内到所属农保经办机构办理相关手续。
  第五章 基金监督管理
  第二十五条 新型农村社会养老保险基金实行市级统筹,纳入社会保障基金财政专户,实行收支两条线管理,单独记账、核算,按有关规定实现保值增值。
  第二十六条 区县农保经办机构在国有商业银行开设基金收入户和支出户,基金收入户余额每月末全部上解市级新农保基金财政专户。基金实行预算管理、专款专用。
  第二十七条 市、区县财政部门应按标准编制新型农村社会养老保险财政补贴年度预算,并及时将资金划拨到基金专户,确保农民养老保险待遇的按时足额发放。
  第二十八条 劳动和社会保障行政部门要切实履行新农保基金的监管职责,制定新农保各项业务管理规章制度,规范业务程序,建立健全内控制度和基金稽核制度,对基金的筹集、上解、划拨、发放进行监控和定期检查,并定期披露新农保基金筹集和支付信息,做到公开透明,加强社会监督。
  第二十九条 财政部门要制定新农保补助资金管理办法,建立健全新农保基金财务、会计制度。财政、监察、审计部门按各自职责实施监督,严禁挤占挪用,确保基金安全。
  第三十条 新型农村社会养老保险个人账户中的储存额,只能用于支付参保人员年老时的养老金,不得提前支取挪作他用。
  第六章 相关制度衔接
  第三十一条 原已参加了老农保、年满60周岁且已领取老农保金的参保人,可享受新农保基础养老金;对已参加老农保、未满60周岁且没有领取养老金的参保人,应将老农保个人账户资金并入新农保个人账户,按新农保的缴费标准继续缴费,待符合领取条件时享受相应待遇。
  第三十二条 新型农村社会养老保险与农村计划生育家庭奖励扶持政策、社会优抚政策、农村低保政策可同时享受。
  第三十三条 符合《农村五保供养条例》的农村居民,暂不纳入新型农村社会养老保险的参保范围。
  第三十四条 被征地农民可以选择参加新型农村社会养老保险,也可以选择参加被征地农民基本养老保险,但只能选择参加其一。
  第三十五条 新型农村社会养老保险与城镇职工基本养老保险制度的衔接,按照全省统一衔接办法执行。
  第七章 法律责任
  第三十六条 违反本办法规定的,由劳动和社会保障部门或者上级行政机关责令限期改正;情节严重的,由上级行政主管部门对主要负责人和直接责任人给予行政处分;构成犯罪的,移送司法机关依法追究刑事责任。
  第三十七条 任何人以伪造证件或其他手段多领、冒领养老保险金的,由劳动和社会保障行政主管部门依法追回,构成犯罪的,移送司法机关依法处理。
  第八章 附 则
  第三十八条 本办法自下发之日起施行,原《铜川市新型农村社会养老保险试行办法》(铜政办发〔2008〕81号)同时废止。
  第三十九条 本办法由市劳动保障局负责解释。



宝鸡市人民政府关于印发《宝鸡市生产安全事故隐患管理暂行规定》的通知

陕西省宝鸡市人民政府


宝鸡市人民政府关于印发《宝鸡市生产安全事故隐患管理暂行规定》的通知

                 宝政发〔2003)3号  

  
各县、区人民政府,市政府各工作部门、各直属机构:
  《宝鸡市生产安全事故隐患管理暂行规定》,已经市政府第十一次常务会议审议通过。 现印发你们,请认真贯彻执行。

                                  2003年1月7日

                  第一章 总 则
第一条  为了切实加强各类生产安全事故隐患的预防、排查、整治、验收等 管理工作,防止和减少生产安全事故,保障人民群众生命和财产安全,根据《安全生产法》及有关规定,结合本市实际,制定本规定。
第二条  本规定适用于本市行政区域内所有从事生产经营活动单位及场所的生产安全事故隐患的管理。
  本规定所称生产安全事故隐患是指所有生产、经营、集会的一切场所、设备及设施等方 面存在不安全状态、人的不安全行为和管理上的不安全缺陷,可能导致人员伤亡和财产损失 的各类危险因素。
第三条  生产安全事故隐患管理,坚持安全第一,预防为主的方针。
第四条  各生产经营单位以及负责城乡建设、公路交通、铁路运输、河 道水域、矿山森林等设施的管理单位对本单位或职责规定范围内的生产安全事故隐患管理负 直接责任。其主要负责人对本单位的事故隐患管理全面负责。各单位应建立事故隐患预防、 排查、整治、验收等管理工作制度,落实整治措施和资金,确保安全生产。
第五条  各级政府及其负有安全生产监督管理职责的部门,应在所管辖区域 或主管范围内对事故隐患的预防、排查、整治、验收负监督管理责任,应定期组织开展事故 隐患排查、治理工作,并进行监督检查。
第六条  任何单位和个人对一切事故隐患有权举报。当发现不符合安全生产 规定,威胁本人或他人生命财产安全的隐患或其他不安全因素时,有权向事故隐患单位或者 负有安全生产监督管理职责的部门报告;接到报告的人员按有关规定应当及时予以处理。 

                  第二章 排查、评估与报告
第七条  各级政府及其部门、各生产经营单位应结合实际,组织专业性或综 合性的生产安检查,及时排查各类]事故隐患,对查出或举报的事故隐患应及时记录在案。
  生产安全检查由各级政府及其部门、生产经营单位的主要负责人按其职责组织有关管 理人员和专业技术人员进行。
第八条  事故隐患等级参照国家规定的生产安全事故等级划分如下:
(一)特大事故隐患:指可能导致发生生产安全事故的伤亡人数或直接经济损失符合特大事 故等级标准。
(二)重大事故隐患:指可能导致发生生产安全事故的伤亡人数或直接经济损失符合重大事 故等级标准。
(三)一般事故隐患:除以上2项外的其他事故隐患。
以上各等[级事故隐 患中有较大社会影响的,应进行重点管理,列为重点事故隐患。
第九条  各事故隐患单位应组织有关管理人员和专业技术人员,对所查出的各类事故隐患进行评估,写出评估报告,由单位主要负责人审签。
  确定为特大、重大和重点事故隐患的,应书面报告当地负有安全生产监督管理职责的部门。
第十条  事故隐患评估报告包括以下内容:
(一)事故隐患类别、等级;
(二)事故隐患影响范围和程度;
(三)整改措施;
(四)整改资金来源及其保障措施;
(五)负责整改的直接责任人和主要责任人;
(六)整改目标和期限。
第十一条  负有安全生产监督管理职责的部门接到事故隐患报告后,可对隐 患情况进行复核或复评,按管理权限报告同级政府和上一级负有安全生产监督管理职责的部 门。
第十二条  市级负有安全生产监督管理职责的其它部门及县区安全生产监督 管理局(以下简称“安监局”)每季度末向市安监局报送本季度对事故隐患排查、整治的统 计情况。省、市政府安排的各种安全生产大检查中查出的事故隐患,应在每次检查结束后10 日内,向市安监局报送检查情况和隐患统计情况。

                 第三章 治理、验收与销号
第十三条  各事故隐患单位对确定的事故隐患应建档立卡,实施跟踪管理。 按照有关国家标准或者行业标准限期认真地进行整改。
  生产经营单位的主要负责人或者个体经营的投资人必须对本单位、本场所应具备的安全生产 条件和整治事故隐患的人、财、物等投入予以保证。
第十四条  对短期内难以治理到位的事故隐患,由事故隐患单位制定应急预案,落实防范、监控措。事故隐患排除、治理前或者排除、治理过程中无法保证安全的,当地负有安全生产监督管理 职责的部门应当责令从危险区域内撤出作业人员,暂时停产 停业或者停止使用;紧急情况下可由隐患单位现场决定先停用、后报告。
第十五条  事故隐患单位对经整治的事故隐患先进行自查,符合安全规定后 ,按事故隐患的管理权限,及时申请负有安全生产监督管理职责的部门进行审查验收;验收 合格后方可恢复生产经营或使用。
第十六条  负责验收的部门按市、县区隶属关系,分别书面报告市、县区安 监局予以销号。市安监局接到市级有关部门及县区安监局书面报告后,必要时可对整治情况 进行复查;市安监局对按有关标准和规定整改合格的事故隐患按管理权限进行销号,或者书面报告省安监局进行销号。

                  第四章 监督与管理
第十七条  安全生产管理坚持“谁主管、谁负责”的原则,按照国家和省上 有关法律法规规定以及市政府对安全生产工作的职责划分,市级各负有安全生产监督管理职 责的主管部门对下列事故隐患行使监督管理:
(一)道路交通、消防、民用爆炸物品、烟花爆竹的事故隐患由市公安局负责;
(二)锅炉、压力容器、电梯、防爆电器、游乐设施等特种设备的事故隐患由市质量技 术监督局负责;
(三)公路设施、汽车客(货)运站(场)、水运码头及其交通运输工具的事故隐患由 市交通局负责;
(四)水利设施、水域、河道及其岸线的事故隐患由市水利局负责;
(五)燃气工程的设计、施工、安装和从事燃气生产、储存、运输、输配、销售(含自产、 自购燃气供本单位使用)及燃气器具生产、销售、安装维修的事故隐患以及城市供水、公共 交通等公用设施的事故隐患由市城市建设局负责;
(六)旅游景点的事故隐患由市旅游局负责;
(七)森林火灾事故隐患由市林业局负责;
(八)房屋事故隐患由市房管局负责;
(九)中小学校危房的事故隐患由市教育局负责;
(十)地质灾害事故隐患由市国土资源局负责;
(十一)农用机械事故隐患由市农业局负责;
(十二)危险化学品事故隐患分别由危险化学品生产、储存、经营、运输、使用单位的行业 主管部门、审批和办理许可证的部门负责;
(十三)大型群众集会和群活动的“安全应案”及活动场[KG-所[的事故隐患由活动审批部门负责 。
  各从事生产、经营活动单位未列入前款的各类事故隐患由其行业主管部门负责;危险性较大 行业的事故隐患由法律法规授权的部门负责。
  各负有安全生产监督管理职责的部门在检查中发现或接到群众举报的事故隐患及不安全问题 ,按照安全生产监督管理职责应当由其它主管部门负责监督管理的,检查和受理举报的部门 应及时书面移送相关部门,接受移送的部门应当及时进行处理。
第十八条  市安监局按照“综合监督管理”的职能,对事故隐患行使以下管 理职责:
(一)督促有关主管部门、管理机构和下级政府的事故隐患排查、整治工作,并 定期通报情况;
(二)对检查、举报或接到报告的特大、重大、重点事故隐患及时下发整改通知,实施严密 监控,并督促检查或协调处事故隐单位在隐患评估、排 除、治理、验收等过程中的重点、难点问题;
(三)负责全市各类事故隐患的建档立卡、统计上报和审查销号工作;
(四)协调市安全生]产专家委员会为部门和单位评估、治理事故隐患提供安全技术咨询服务;
(五)对违反本规定的行为进行调查,提出处理意见。
第十九条  各主管部门应对事故隐患的整治情况实施动态监督管理,跟踪检 查;对不按要求进行事故隐患整治的单位,应下达“督促整改通知书”,责令其限期整改。

                  第五章 责 任 追 究
第二十条  生产经营单位未按本规定进行安全生产检查或因工作疏忽未查出 事故隐患,经主管部门或安监部门查出存在的事故隐患,不论是否发生生产安全事故,主管 部门或安监部门都要对事故隐患和责任单位进行通报批评,并责令限期进行整改,逾期不整 改的,逐级追究领导责任;由此造成重、特大生产安全事故的,按《国务院关于特大安全事 故行政责任追究的规定》、《陕西省人民政府关于重大安全事故行政责任追究的规定》追究 行政领导责任;构成犯罪的,移送司法机关追究刑事责任。
第二十一条  事故隐患单位对事故隐患不整治或因人、财、物等投入不足而 导致事故隐患不能消除或发生生产安全事故的;事故隐患单位接到停产、停业整治或者停止 使用的决定而未停产、停业整治或者停止使用的,按“关口前移”的规定进行责任“倒查”,逐]级追究]领导管理责任;并按照《安全生产法》的规定予以处罚;构成犯罪的[KG-,移送司法机关[追究刑事责任。
第二十二条  县区政府、市级部门及管理机构未按本规定对事故隐患进行监 督管理,或不按要求对事故隐患的整治情况进行验收的,在年终岗位目标责任制考核时,对 其考核成绩予以扣减,并按《安全生产法》的有关规定,对相关责任人给予行政处分。
第二十三条  负有安全生产监督管理职责部门和工作人员,对事故 隐患不履行其监督与管理职责的,按《安全生产法》有关规定予以查处。

                    第六章 附 则
第二十四条  各县区政府可依照本规定制定本县区生产安全事故隐患管理规 定。
第二十五条  本规定应用中的具体问题,由市安监局负责解释。
第二十六条  本规定自发布之日起施行。



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

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