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细丝向法治基金小额贷款申请 【中英文对照】

Microloan Request

小额贷款申请

Mr. John Pan is asking to apply for an ROL Foundation loan for $50,000-$200,000US to start a new business in Australia (please see attached).

约翰潘先生申请法治基金贷款5万- 20万美元在澳大利亚开展新业务(见附件)。

Certain gateway concerns arise regarding such loan(s):

有关这项贷款初步考虑的若干问题如下:

• Loan Purpose: The loan requested would be to build an electrical product safety certification company, which is not related to ROL Foundation’s mission.

•贷款用途:申请的贷款将用于建立一家电器产品安全认证公司,该公司与法治基金的使命无关。

• Loan Limit: $50,000 is generally our absolute upper limit on microloans, with the assumption that our loans would be for much less. Additionally, we offer one year terms for loans, asking applicants to reapply for future years; this allows us to more ably control and audit the use of the loan. Here , Mr. Pan would presumably seeks $50,000 four times (for each of 4 years);

•贷款限额:5万美元通常是我们小额贷款的绝对上限,因为我们设想的贷款要少得多。此外,我们提供一年期贷款,要求申请人在未来几年重新申请; 这使我们能够更有效地控制和审计贷款的使用。在这里,潘先生大概会要求四次5万美元(四年里每年一次);

• Company Viability: As shown in Mr. Pan’s budget, the company would not potentially make a profit until after four consecutive years with a $50,000 loan in each year.

•公司生存能力:根据潘先生的预算,公司需要连续4年每年贷款5万美元才能实现盈利。

• Loan Location: Mr. Pan lives in Australia. Our loans were originally conceptualized to help small companies within the US. Giving loans outside the US raises additional issues with the US Treasury Department’s Office of Foreign Assets (OFAC) and we would be at a high level of oversight and compliance. OFAC is concerned with use of assets given, the nature and actors within and behind companies, auditing of use of assets, and a serious concern about such assets being used for money laundering and/or terrorist activities. In order to comply with OFAC concerns, we would need to set up complex professional audit and maintenance for this particular loan. Such compliance would include the required hiring of outside auditors in Australia and random site visits.

•贷款地点:潘先生居住在澳大利亚。我们的贷款最初是为了帮助美国的小公司。在美国境外提供贷款会给美国财政部外国资产办公室(OFAC)带来额外的问题,我们将处于高度的监督和合规状态。OFAC关注给定资产的使用、公司内部和背后的性质和参与者、对资产使用的审计,以及对此类资产被用于洗钱和/或恐怖活动的严重关切。为了符合OFAC的要求,我们需要对这笔贷款进行复杂的专业审计和维护。这种合规将包括在澳大利亚聘请外部审计师和随机实地考察。

• New Company: Originally the loans were conceptualized to be offered to existing companies to support their growth. This company exists in name, but not operationally. In effect, it could be deemed giving a loan to a new enterprise.

•新公司:最初,贷款的概念是提供给现有公司,以支持它们的增长。这家公司名义上存在,但经营上不存在。实际上,它可以被视为向一家新企业提供贷款。

• IRS Standing: ROL Foundation’s 501(c)(3) status is still pending. OFAC concerns could easily derail the organization being approved by the IRS. Coming back from such a disapproval would be challenging.

·国税局的立场:法治基金的501(c)(3)状态仍然未得到。OFAC的担忧很容易让美国国税局不批准。之后再想获得批准会是很有挑战性的。

(注:这是在2019年8,9月份,法治基金还未得到国税局批准的时候的申请,法治基金目前已经得到了国税局的批准)。

Initial Loan Request:

最初的贷款申请:

I am John Pan, the director of Oz Cert Pty Ltd. The company ABN is 16 634 873 831. I would like to apply a loan of USD$50,000 to USD$200,000 from Rule of Law Foundation for 4 years.

我叫约翰潘,Oz Cert Pty Ltd公司的董事。澳洲公司的商业注册号是16 634 873 831。我想向法治基金申请一笔5万到20万美元的贷款,为期4年。

I planned to start the business from July 2019 with AUD $400,000 investment. The business’ 5-year budget is attached below for reference.

我计划从2019年7月开始创业,投资40万澳元。附件是企业的5年预算,供参考。

Now the plan had been kicked off, but the investment fund had not been in position due to current Chinese policies of restrain oversea money transfer.

目前该计划已经启动,但由于中国目前限制海外资金转移的政策,投资资金尚未到位。

My company is an Australian based electrical product safety certification company, with accreditations from Joint Accreditation System of Australia and New Zealand (JAS-ANZ) and Australian regulators. The company issues certificates for electrical products before entering Australian market to ensure safety.

我公司是一家澳大利亚的电器产品安全认证公司,拥有澳大利亚和新西兰联合认证体系(JAS-ANZ)和澳大利亚监管机构的认证。公司在进入澳大利亚市场前,对电器产品进行认证,确保安全。

My general manager has been working in certification industry in Australian for 10 years, who is also a committee member of the Standards Australian.

我的总经理在澳洲的认证行业工作了10年,也是澳洲标准协会的委员。

The certification industry in Australia needs a company with efficiency, profession and with a future vision. With all the investigations and preparations, and with your help for the fund, my company is going to succeed.

澳大利亚的认证行业需要一个高效、专业、有未来眼光的公司。经过所有的调查和准备,加上你的资金帮助,我的公司一定会成功的。

翻译:【秘密翻译组】