// 德国(EU-DE)辖区适配器 // 法律体系:大陆法系(德国法) // 主要法律:《民法典》(BGB)《土地登记条例》(GBO)《公证人法》 use crate::{ AssetCategorySupport, AssetTransferTaxSummary, DisputeResolutionPreference, ForeignInvestmentRestrictions, JurisdictionAdapter, RealEstateRegistrationReq, RegulatoryBody, ValidationResult, }; use nac_rwa_legal_model::{AssetCategory, LegalSystem}; pub struct EuDeAdapter; impl JurisdictionAdapter for EuDeAdapter { fn jurisdiction_code(&self) -> &'static str { "DE" } fn jurisdiction_name(&self) -> &'static str { "德意志联邦共和国" } fn legal_system(&self) -> LegalSystem { LegalSystem::CivilLaw } fn supported_asset_categories(&self) -> Vec { vec![ AssetCategorySupport { category: "不动产".to_string(), supported: true, foreign_entity_allowed: true, restrictions: Some("须通过公证人(Notar)签署合同,否则合同无效".to_string()), required_approvals: vec!["公证人(Notar)".to_string(), "土地登记处(Grundbuchamt)".to_string()], }, AssetCategorySupport { category: "证券/股权".to_string(), supported: true, foreign_entity_allowed: true, restrictions: Some("须符合欧盟MiFID II和德国证券法".to_string()), required_approvals: vec!["联邦金融监管局(BaFin)".to_string()], }, ] } fn real_estate_registration_requirements(&self) -> RealEstateRegistrationReq { RealEstateRegistrationReq { registry_authority: "土地登记处(Grundbuchamt,隶属地方法院)".to_string(), notarization_required: true, // 德国法律强制要求公证 notary_authority: Some("公证人(Notar)——德国公证人是独立的法律职业,非律师".to_string()), registration_process: "买卖双方在公证人面前签署公证合同(Notarvertrag)→ 公证人申请预告登记(Auflassungsvormerkung)→ 缴纳土地转让税(GrESt)→ 公证人申请正式产权转移登记(Auflassung)→ 土地登记处完成登记".to_string(), foreign_buyer_restrictions: Some("欧盟内无限制;非欧盟买家通常无限制,但部分战略资产可能受审查".to_string()), required_documents: vec![ "公证合同(Notarvertrag)".to_string(), "护照/身份证".to_string(), "土地转让税完税证明(Unbedenklichkeitsbescheinigung)".to_string(), "土地登记摘录(Grundbuchauszug)".to_string(), "能源证书(Energieausweis)".to_string(), "建筑许可证(如适用)".to_string(), ], typical_completion_days: 90, registration_fee_pct: 0.015, // 公证费+登记费约1.5%-2% } } fn foreign_investment_restrictions(&self) -> ForeignInvestmentRestrictions { ForeignInvestmentRestrictions { has_fdi_review: true, review_authority: Some("联邦经济和气候保护部(BMWK)".to_string()), prohibited_sectors: vec![], restricted_sectors: vec![ "关键基础设施(能源/水/电信)".to_string(), "国防技术".to_string(), "人工智能/量子计算(敏感技术)".to_string(), "媒体(部分)".to_string(), ], real_estate_restrictions: Some("无特殊限制,但涉及关键基础设施附近的不动产可能受审查".to_string()), legal_basis: "《对外经济法》(AWG)§55及《对外经济条例》(AWV)".to_string(), } } fn regulatory_bodies(&self) -> Vec { vec![ RegulatoryBody { name: "联邦金融监管局".to_string(), abbreviation: "BaFin".to_string(), jurisdiction_area: "银行、保险、证券、加密资产监管".to_string(), website: Some("https://www.bafin.de".to_string()), }, RegulatoryBody { name: "联邦经济和气候保护部".to_string(), abbreviation: "BMWK".to_string(), jurisdiction_area: "外资审查".to_string(), website: Some("https://www.bmwk.de".to_string()), }, RegulatoryBody { name: "德国专利商标局".to_string(), abbreviation: "DPMA".to_string(), jurisdiction_area: "专利、商标、版权".to_string(), website: Some("https://www.dpma.de".to_string()), }, ] } fn asset_transfer_tax_summary(&self) -> AssetTransferTaxSummary { AssetTransferTaxSummary { real_estate_transfer_tax_buyer: Some(0.065), // GrESt 3.5%-6.5%(各州不同) real_estate_transfer_tax_seller: None, stamp_duty: None, capital_gains_tax_resident: Some(0.25), // 资本利得税 25%(Abgeltungsteuer) capital_gains_tax_nonresident: Some(0.25), vat_or_gst: Some(0.19), // 增值税 19%(商业交易) withholding_tax_dividend: Some(0.25), // 股息预提税 25% withholding_tax_interest: Some(0.25), withholding_tax_royalty: Some(0.15), notes: Some("土地转让税(GrESt)各州3.5%-6.5%;公证费约1%-1.5%;中介费约3%-7%".to_string()), } } fn preferred_dispute_resolution(&self) -> DisputeResolutionPreference { DisputeResolutionPreference { real_estate: "地方法院/州法院(Amtsgericht/Landgericht)".to_string(), goods_trade: "德国仲裁协会(DIS)/ICC".to_string(), intellectual_property: "德国联邦专利法院/DIS".to_string(), financial: "BaFin调解/DIS/法院".to_string(), new_york_convention_member: true, } } fn validate_asset_for_tokenization( &self, asset: &AssetCategory, _is_foreign_entity: bool, ) -> ValidationResult { match asset { AssetCategory::RealEstate(_) => { ValidationResult::ApprovedWithConditions(vec![ "必须通过公证人(Notar)签署公证合同,否则合同无效(BGB §311b)".to_string(), "须在土地登记处(Grundbuchamt)完成产权转移登记".to_string(), "须缴纳土地转让税(GrESt)3.5%-6.5%".to_string(), "须申请预告登记(Auflassungsvormerkung)保护买方权益".to_string(), ]) } _ => ValidationResult::Approved, } } }