| 单词 | Credit union |
| 释义 | 儲蓄互助社 A body corporate registered under the Credit Unions Ordinance (Cap 119). A credit union must have at least 50 members, each of whom is not less than 16 years of age and at least three of whom are not less than 21 years of age: Credit Union Ordinance (Cap 119) s 3. The membership of a credit union is limited to persons having a common bond of occupation, employment, association, or residence within a defined neighbourhood, community or rural or urban area: s 15. The object of the credit union must be to promote thrift among its members, to receive the savings of its members either as payment on shares or as deposits; and to make loans to its members, exclusively for provident or productive purposes: s 3. The capital of a credit union is unlimited in amount and divided into shares of a value of $5 each: s 11. No share will be allotted to a member until he has paid for it in cash in full without any premium or discount: s 12(3). A credit union shall not issue to its member a certificate denoting the ownership of a share: s 12(4). A credit union is not allowed to make a loan to non-members or to members other than for provident or productive purposes: ss 39, 40. The maximum amount a credit union may lend to a member is 10% of the aggregate amount of the share balance, the reserve fund or any other funds of the credit union: s 40(2). The interest rate on any loan made by a credit union to a member will not exceed 1% on the total of unpaid balance of any such loan plus all charges made by the credit union making the loan. The annual meeting of a credit union may declare a dividend for that year. A dividend may be recommended by the board of directors of a credit union and shall not exceed 6% per annum: s 46. No credit union will be wound up unless the Registrar of Credit Unions has made an order cancelling its registration in accordance with the Credit Unions Ordinance (Cap 119) pt IX. See also Bank; Financial institution. 任何依據《儲蓄互助社條例》（第119章）註冊成立的公司實體。儲蓄互助社須至少有15名成員，每人均不小於16歲，且其中最少3人不小於21歲：《儲蓄互助社條例》（第119章）第3條。儲蓄互助社的社籍只限於在職業、受僱工作、社團組織上有共同聯繫的人，或因其住所位於界定的鄰近地方、社區、郊區或市區內而有共同連系的人：第15條 。儲蓄互助社的宗旨須為在社員之間提倡節儉，收取其社員的儲蓄作為股份的付款或作為存款，及專為援助或生產的目的而貸款給其社員：第3條。儲蓄互助社的資本並無限額，並須分為每股價值$5的股份：第11條。社員在無溢價或無折扣下以現金繳足股款之前，不得獲配股份：第12(3)條。儲蓄互助社不得向社員發出表明任何股份擁有權的證明書： 第12(4)條。儲蓄互助社不得貸款予任何並非其社員的人，也不得非為援助或生產的目的，貸款予儲蓄互助社的社員：第39及40條。儲蓄互助社借給某社員的貸款的最大限額不得超過該社的股份結餘、儲備金及任何其他資金的總額的百分之十：第40(2)條。儲蓄互助社借給社員的貸款的利率，不得超逾按該筆貸款的未清還餘額加上儲蓄互助社作出該筆貸款的所有費用總額計算的月息一厘：第41(1)條。儲蓄互助社的周年會議可宣布該年度的股利。股利可由董事會藉決議建議，並不得超過年息六厘：第46條。除非按照《儲蓄互助社條例》（第119章）的規定，註冊官已作出命令取消儲蓄互助社的註冊，否則儲蓄互助社不得清盤：第IX部。另見 Bank; Financial institution。 |
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