// 中国(CN)辖区适配器 // 法律体系:大陆法系(社会主义法律体系) // 主要法律:《民法典》《不动产登记暂行条例》《外商投资法》《个人信息保护法》 use crate::{ AssetCategorySupport, AssetTransferTaxSummary, DisputeResolutionPreference, ForeignInvestmentRestrictions, JurisdictionAdapter, RealEstateRegistrationReq, RegulatoryBody, ValidationResult, }; use nac_rwa_legal_model::{AssetCategory, IPSubtype, LegalSystem, RealEstateSubtype}; pub struct CnAdapter; impl JurisdictionAdapter for CnAdapter { fn jurisdiction_code(&self) -> &'static str { "CN" } fn jurisdiction_name(&self) -> &'static str { "中华人民共和国" } fn legal_system(&self) -> LegalSystem { LegalSystem::CivilLaw } fn supported_asset_categories(&self) -> Vec { vec![ AssetCategorySupport { category: "不动产(住宅)".to_string(), supported: true, foreign_entity_allowed: false, // 外资购买住宅受限 restrictions: Some("外资个人须在中国境内工作或学习满1年;外资机构不得购买非自用住宅".to_string()), required_approvals: vec!["不动产登记中心".to_string()], }, AssetCategorySupport { category: "不动产(商业)".to_string(), supported: true, foreign_entity_allowed: true, restrictions: Some("外资商业地产须符合外商投资准入负面清单".to_string()), required_approvals: vec!["商务部/地方政府审批".to_string(), "不动产登记中心".to_string()], }, AssetCategorySupport { category: "不动产(工业)".to_string(), supported: true, foreign_entity_allowed: true, restrictions: Some("须通过外商投资企业形式持有".to_string()), required_approvals: vec!["商务部".to_string(), "自然资源部".to_string()], }, AssetCategorySupport { category: "知识产权(专利)".to_string(), supported: true, foreign_entity_allowed: true, restrictions: None, required_approvals: vec!["国家知识产权局(CNIPA)".to_string()], }, AssetCategorySupport { category: "知识产权(商标)".to_string(), supported: true, foreign_entity_allowed: true, restrictions: None, required_approvals: vec!["国家知识产权局商标局".to_string()], }, AssetCategorySupport { category: "大宗商品".to_string(), supported: true, foreign_entity_allowed: true, restrictions: Some("部分战略物资受出口管制".to_string()), required_approvals: vec!["商务部".to_string()], }, AssetCategorySupport { category: "金融资产(股权)".to_string(), supported: true, foreign_entity_allowed: true, restrictions: Some("A股外资持股比例限制;部分行业外资股比上限".to_string()), required_approvals: vec!["中国证监会(CSRC)".to_string()], }, ] } fn real_estate_registration_requirements(&self) -> RealEstateRegistrationReq { RealEstateRegistrationReq { registry_authority: "自然资源部不动产登记中心(各地不动产登记局)".to_string(), notarization_required: false, // 中国不强制公证,但实践中常用 notary_authority: None, registration_process: "签订买卖合同 → 网签备案(住宅必须)→ 缴纳税费 → 申请不动产登记 → 领取不动产权证".to_string(), foreign_buyer_restrictions: Some("外资个人须提供在华工作/学习证明;外资机构须通过外商投资企业持有".to_string()), required_documents: vec![ "买卖合同(网签版)".to_string(), "身份证/护照(买卖双方)".to_string(), "不动产权证(卖方)".to_string(), "契税完税证明".to_string(), "增值税完税证明(满2年豁免)".to_string(), "个人所得税完税证明(卖方)".to_string(), "婚姻状况证明(已婚须配偶同意书)".to_string(), ], typical_completion_days: 30, registration_fee_pct: 0.003, // 0.3% } } fn foreign_investment_restrictions(&self) -> ForeignInvestmentRestrictions { ForeignInvestmentRestrictions { has_fdi_review: true, review_authority: Some("商务部/国家发展改革委(外商投资安全审查机制)".to_string()), prohibited_sectors: vec![ "新闻媒体".to_string(), "互联网新闻信息服务".to_string(), "网络出版服务".to_string(), "网络视听节目服务".to_string(), "互联网文化经营".to_string(), "网络游戏运营(部分)".to_string(), "学前教育、普通高中和高等教育机构".to_string(), "中国法律服务机构".to_string(), "社会调查".to_string(), "放射性矿产勘查开采".to_string(), ], restricted_sectors: vec![ "电信(增值电信服务外资股比≤50%)".to_string(), "金融(银行/保险/证券外资股比限制)".to_string(), "汽车制造(部分合资要求)".to_string(), "文化(出版/影视合拍)".to_string(), ], real_estate_restrictions: Some("外资购买住宅须满足自用条件;商业地产须符合准入负面清单".to_string()), legal_basis: "《外商投资法》《外商投资准入特别管理措施(负面清单)》".to_string(), } } fn regulatory_bodies(&self) -> Vec { vec![ RegulatoryBody { name: "中国证券监督管理委员会".to_string(), abbreviation: "CSRC".to_string(), jurisdiction_area: "证券、期货、基金监管".to_string(), website: Some("http://www.csrc.gov.cn".to_string()), }, RegulatoryBody { name: "中国人民银行".to_string(), abbreviation: "PBOC".to_string(), jurisdiction_area: "货币政策、支付清算、反洗钱".to_string(), website: Some("http://www.pbc.gov.cn".to_string()), }, RegulatoryBody { name: "国家金融监督管理总局".to_string(), abbreviation: "NFRA".to_string(), jurisdiction_area: "银行、保险监管".to_string(), website: Some("http://www.nfra.gov.cn".to_string()), }, RegulatoryBody { name: "自然资源部".to_string(), abbreviation: "MNR".to_string(), jurisdiction_area: "不动产登记、土地管理".to_string(), website: Some("http://www.mnr.gov.cn".to_string()), }, RegulatoryBody { name: "国家知识产权局".to_string(), abbreviation: "CNIPA".to_string(), jurisdiction_area: "专利、商标、版权".to_string(), website: Some("http://www.cnipa.gov.cn".to_string()), }, RegulatoryBody { name: "商务部".to_string(), abbreviation: "MOFCOM".to_string(), jurisdiction_area: "外商投资审批、对外贸易".to_string(), website: Some("http://www.mofcom.gov.cn".to_string()), }, ] } fn asset_transfer_tax_summary(&self) -> AssetTransferTaxSummary { AssetTransferTaxSummary { real_estate_transfer_tax_buyer: Some(0.03), // 契税 1%-3%(首套1%,二套3%) real_estate_transfer_tax_seller: Some(0.01), // 增值税(满2年豁免) stamp_duty: Some(0.0005), // 印花税 0.05% capital_gains_tax_resident: Some(0.20), // 个人所得税 20%(差价) capital_gains_tax_nonresident: Some(0.20), vat_or_gst: Some(0.05), // 增值税 5%(不满2年) withholding_tax_dividend: Some(0.10), // 股息预提税 10%(非居民) withholding_tax_interest: Some(0.10), withholding_tax_royalty: Some(0.10), notes: Some("契税:首套房1%,二套房3%;增值税:不满2年5%,满2年普通住宅免征;个税:满5年唯一住房免征".to_string()), } } fn preferred_dispute_resolution(&self) -> DisputeResolutionPreference { DisputeResolutionPreference { real_estate: "人民法院(物权纠纷适用不动产所在地法院)".to_string(), goods_trade: "中国国际经济贸易仲裁委员会(CIETAC)/人民法院".to_string(), intellectual_property: "知识产权法院/CIETAC".to_string(), financial: "中国证券期货市场纠纷调解中心/仲裁".to_string(), new_york_convention_member: true, } } fn validate_asset_for_tokenization( &self, asset: &AssetCategory, is_foreign_entity: bool, ) -> ValidationResult { match asset { AssetCategory::RealEstate(subtype) => { if is_foreign_entity { match subtype { RealEstateSubtype::Residential => { ValidationResult::RequiresGovernmentApproval( "外资购买住宅须满足在华工作/学习满1年条件,并向不动产登记中心申请".to_string(), ) } RealEstateSubtype::Commercial | RealEstateSubtype::Industrial => { ValidationResult::ApprovedWithConditions(vec![ "须通过外商投资企业形式持有".to_string(), "须符合外商投资准入负面清单".to_string(), "须向商务部备案或审批".to_string(), ]) } _ => ValidationResult::RequiresGovernmentApproval( "外资购买特殊类型不动产须专项审批".to_string(), ), } } else { ValidationResult::ApprovedWithConditions(vec![ "须完成网签备案".to_string(), "须缴纳契税、增值税、个税".to_string(), "须在不动产登记中心完成产权转移登记".to_string(), ]) } } AssetCategory::IntellectualProperty(subtype) => { match subtype { IPSubtype::InventionPatent | IPSubtype::UtilityModel | IPSubtype::DesignPatent => { ValidationResult::ApprovedWithConditions(vec![ "须在国家知识产权局完成专利权转让登记".to_string(), "转让合同须经CNIPA备案".to_string(), ]) } IPSubtype::Trademark => { ValidationResult::ApprovedWithConditions(vec![ "须在国家知识产权局商标局完成商标权转让登记".to_string(), ]) } _ => ValidationResult::Approved, } } AssetCategory::FinancialAsset(_) => { if is_foreign_entity { ValidationResult::ApprovedWithConditions(vec![ "须符合外资持股比例限制".to_string(), "须通过QFII/RQFII/沪深港通等合规渠道".to_string(), ]) } else { ValidationResult::Approved } } _ => ValidationResult::Approved, } } }