《中华人民共和国银行业监督管理法（2006修订）_2007.01.01生效_中英对照.docx》由会员分享，可在线阅读，更多相关《中华人民共和国银行业监督管理法（2006修订）_2007.01.01生效_中英对照.docx（29页珍藏版）》请在课桌文档上搜索。
1、中华人民共和国银行业监督管理法（2006修订）发文机关：全国人民代表大会常务委员会发布日期：2006.10.31Promulgatedby：StandingCommitteeoftheNationalPeoplesCongressPromulgationDate：2006.10.31生效日期:2007.01.01EffectiveDate：2007.01.01时效性：现行有效ValidityStatus：valid中华人民共和国银行业监督管理法BankingRegulationLawofthePeoplesRepublicofChina(Amendedin2006)（2006修订）(Adopt
2、edatthe6thsessionoftheStandingCommitteeofthe10th（2003年12月27日第十届全NationalPeoplesCongressofthePeoplesRepublicofChinaandpromulgatedon27December2003,amendedon31October2006国人民代表大会常务委员会第六次andeffective1January2007.)会议通过根据2006年10月31日第十届全国人民代表大会常务委员会第二十四次会议关于修改中华人民共和国银行业监督管理法的决定修正）第一章总则Chapter1GeneralProvisi
3、ons第一条为了加强对银行业的Article1ThisLawisformulatedinordertostrengthenregulationofthebankingindustry,tostandardizeregulation,topreventand监督管理，规范监督管理行为，防dispelbankingrisks,toprotectthelawfulrightsandinterestsof范和化解银行业风险，保护存款人depositorsandotherclients,andtoencouragethesounddevelopmentofthebankingindustry.和其他客户
4、的合法权益，促进银行1/22业健康发展，制定本法。第二条国务院银行业监督管Article2ThebankingregulatoryauthorityoftheStateCouncilshallberesponsibleforregulatingallfinancialinstitutionsinthe理机构负责对全国银行业金融机构bankingindustrythroughoutthecountryandtheirbusinessWoltersKluwer威科先行Q法律信息库及其业务活动监督管理的工作。activities.本法所称银行业金融机构，是 指在中华人民共和国境内设立的商 业银行、城
5、市信用合作社、农村信For the purposes of this Law, the term financial institutions in the banking industry shall mean financial institutions that take deposits from the public such as commercial banks, urban credit cooperatives and rural credit cooperatives, and policy banks that are established in the Peoples
6、 Republic of China.用合作社等吸收公众存款的金融机 构以及政策性银行。对在中华人民共和国境内设立 的金融资产管理公司、信托投资公 司、财务公司、金融租赁公司以及The provisions on regulation of financial institutions in the banking industry hereof shall apply to financial asset management companies, trust and investment companies, finance companies, lease financing compa
7、nies as well as other financial institutions established upon approval of the banking regulatory authority of the State Council, that are established in the Peoples Republic of China.经国务院银行业监督管理机构批准 设立的其他金融机构的监督管理， 适用本法对银行业金融机构监督管 理的规定。The banking regulatory authority of the State Council shall, in
8、accordance with the relevant provisions hereof, implement regulation of financial institutions it has approved for establishment outside China, and of the business activities outside China of the financial institutions specified in the two preceding paragraphs.国务院银行业监督管理机构依 照本法有关规定，对经其批准在境 外设立的金融机构以
9、及前二款金融 机构在境外的业务活动实施监督管 理。第三条银行业监督管理的目标是促进银行业的合法、稳健运Article 3 The objectives of regulation of the banking industry shall be to promote the legal and stable operation of the banking industry and to safeguard the confidence of the public in the行，维护公众对银行业的信心。banking industry.Regulationofthebankingindust
10、ryshallprotectfaircompetitionin银行业监督管理应当保护银行thebankingindustryandenhancethecompetitivenessofthebankingindustry.业公平竞争，提高银行业竞争能 力。第四条银行业监督管理机构 对银行业实施监督管理，应当遵循 依法、公开、公正和效率的原则。第五条银行业监督管理机构 及其从事监督管理工作的人员依法 履行监督管理职责，受法律保护。 地方政府、各级政府部门、社会团 体和个人不得干涉。第六条国务院银行业监督管 理机构应当和中国人民银行、国务 院其他金融监督管理机构建立监督 管理信息共享机制。第七条国
11、务院银行业监督管 理机构可以和其他国家或者地区的 银行业监督管理机构建立监督管理 合作机制，实施跨境监督管理。第二章监督管理机构第八条国务院银行业监督管 理机构根据履行职责的需要设立派 出机构。国务院银行业监督管理机Article4Whenimplementingregulationsgoverningthebankingindustry,bankingregulatoryauthorityshallabidebytheprinciplesoflegality,openness,impartialityandefficiency.Article5Theperformanceofregulato
12、rydutiesofbankingauthorityauthoritiesandtheirpersonnelengaginginregulatoryworkaccordingtolawshallbeprotectedbythelaw,andshallnotbesubjecttointerferencebyanylocalgovernment,governmentdepartmentsatanylevel,socialorganizationorindividual.Article 6 ThebankingregulatoryauthorityoftheStateCouncilshallesta
13、blisharegulatoryinformationsharingmechanismwiththePeoplesBankofChinaandotherfinancialregulatoryauthoritiesoftheStateCouncil.Article 7 ThebankingregulatoryauthorityoftheStateCouncilmayestablishmechanismsforcooperationinregulationwiththebankingregulatoryauthorityofothercountriesorregionstoimplementcro
14、ss-borderregulation.Chapter2RegulatoryAuthoritiesArticle8ThebankingregulatoryauthorityoftheStateCouncilshallestablishagenciesaccordingtotheneedsofperformanceofduties.ThebankingregulatoryauthorityoftheStateCouncilshallimplementunifiedleadershipandadministrationoveritsagencies.,.LL,一QA=DbfTheagencieso
15、fthebankingregulatoryauthorityoftheState构对派出机构实行统一领导和管”Councilshallperformregulatorydutieswithinthescopeauthorized理。bythebankingregulatoryauthorityoftheStateCouncil.国务院银行业监督管理机构的派出机构在国务院银行业监督管理机构的授权范围内，履行监督管理职责。第九条银行业监督管理机杓ArtiCIe9Personnelfbankingregulatoryauthoritythatengageinregulatoryworkshallpo
16、ssesstheprofessionalknowledgeand从事监督管理工作的人员，应当具workingexperienceappropriatetotheirpost.备与其任职相适应的专业知识和业第十条银行业监督管理机构 工作人员，应当忠于职守，依法办 事，公正廉洁，不得利用职务便利 牟取不正当的利益，不得在金融机务工作经验。Article10Workingpersonnelofbankingregulatoryauthorityshallbefaithfulintheirperformanceofduties,carryouttheirworkaccordingtoIaw1andbe
17、impartialityandhonest.Theyshallnotseekimproperbenefitsbytakingadvantageoftheirposition,andshallnotconcurrentlyholdapositioninafinancialinstitutionorotherenterprises.构等企业中兼任职务。.,人EXArticle11Workingpersonnelofbankingregulatoryauthorityshall第H一条银行业监督管理机maintainStatesecretsinaccordancewiththelaw,andshal
18、lbe构工作人员，应当依法保守国家秘responsibleformaintainingtheconfidentialityofthefinancial期壬r汨甘S侬g用w/日Linstitutionsinthebankingindustryandthepartiesinvolvedunder密，并有责任为其监督管理的银仃theirregulation.业金融机构及当事人保守秘密。WhenthebankingregulatoryauthorityoftheStateCouncil0,一“,-flsexchangesregulatoryinformationwiththebankingregula
19、tory国务院银行业监督管理机构同yyyyyyauthorityofothercountriesorregions,itshallmakearrangements其他国家或者地区的银行业监督管formaintainingtheconfidentialityofinformation.理机构交流监督管理信息，应当就信息保密作出安排。第十二条国务院银行业监督ArtiCIe12ThebankingregulatoryauthorityoftheStateCouncilshallpublicizetheproceduresforregulationandestablisha管理机构应当公开监督管理程序
20、，regulatoryresponsibilitysystemandaninternalsupervisory建立监督管理责任制度和内部监督systm制度。鲂上一攵知今、U火叔於工田11ArtiCle13Whenthebankingregulatoryauthorityiscarryingout第十二条银仃业监督管理机regulatoryactivitiessuchasmanagementofrisksinfinancial构在处置银行业金融机构风险、查institutionsinthebankingindustryandinvestigationandhandling处有关金融违法行为等监督
21、管理活frlevanti,ga,financiala.，bcagovernmentsandrelevantdepartmentsatalllevelsshallprovidecoordinationandassistance.动中，地方政府、各级有关部门应当予以配合和协助。，JArticle14TheauditandsupervisoryauthoritiesoftheState第十四条国务院审计、监察hCouncilshallsupervisetheactivitiesofthebankingregulatory等机关，应当依照法律规定对国务authorityoftheStateCounci
22、linaccordancewiththeprovisionsof院银行业监督管理机构的活动进行laW，监督。第三章监督管理职责第十五条国务院银行业监督 管理机构依照法律、行政法规制定 并发布对银行业金融机构及其业务 活动监督管理的规章、规则。第十六条国务院银行业监督 管理机构依照法律、行政法规规定 的条件和程序，审查批准银行业金 融机构的设立、变更、终止以及业Chapter3RegulatoryDutiesArticle 15 ThebankingregulatoryauthorityoftheStateCouncilshallformulateandpromulgateregulations
23、andrulesontheregulationoffinancialinstitutionsinthebankingindustryandtheirbusinessactivitiesinaccordancewithlawsandadministrativeregulations.Article 16 ThebankingregulatoryauthorityoftheStateCouncilshallexamineandapprovetheestablishmentof,changesin,terminationofandscopeofbusinessoffinancialinstituti
24、onsinthebankingindustryinaccordancewiththecriteriaandproceduresstipulatedinlawsandregulations.务范围。第十七条申请设立银行业金 融机构，或者银行业金融机构变更 持有资本总额或者股份总额达到规 定比例以上的股东的，国务院银行 业监督管理机构应当对股东的资金来源、财务状况、资本补充能力和诚信状况进行审查。第十八条银行业金融机构业 务范围内的业务品种，应当按照规 定经国务院银行业监督管理机构审 查批准或者备案。需要审查批准或 者备案的业务品种，由国务院银行 业监督管理机构依照法律、行政法Article 18
25、 The types of services within the scope of business of financial institutions in the banking industry shall be examined and approved by, or filed for record with, the banking regulatory authority of the State Council according to provisions. The types of services that need to be examined and approve
26、d or filed for record shall be stipulated and announced by the banking regulatory authority of the State Council in accordance with laws and administrative regulations.规作出规定并公布。第十九条 未经国务院银行业监督管理机构批准，任何单位或者 个人不得设立银行业金融机构或者Article 19 No entity or individual may establish a financial institution in the
27、 banking industry or engage in the business activities of financial institutions in the banking industry without the approval of the banking regulatory authority of the State Council.从事银行业金融机构的业务活动。第二十条国务院银行业监督 管理机构对银行业金融机构的董事 和高级管理人员实行任职资格管 理。具体办法由国务院银行业监督Article 20 The banking regulatory authority
28、 of the State Council shall implement administration of qualifications on the directors and senior management personnel of financial institutions in the banking industry. Specific procedures therefor shall be formulated by the banking regulatory authority of the State Council.管理机构制定。Article17Intheca
29、seofanapplicationforestablishmentofafinancialinstitutioninthebankingindustry,orwhereafinancialinstitutioninthebankingindustrychangesthetotalamountofcapitalitholdsorthetotalnumberofsharesofashareholderreachesorexceedsthestipulatedproportion,thebankingregulatoryauthorityoftheStateCouncilshallexamineth
30、esourceoffunds,thefinancialstatus,thecapacitytosupplementcapitalandthecreditworthinessoftheshareholders.第二十一条银行业金融机构 的审慎经营规则，由法律、行政法 规规定，也可以由国务院银行.业监 督管理机构依照法律、行政法规制 定。Article 21 Prudent operation rules for financial institutions in the banking industry shall be stipulated in laws and administrative
31、 regulations, and may also be formulated by the banking regulatory authority of the State Council in accordance with laws and administrative regulations.For the purposes of the preceding paragraph, prudent operation rules shall include risk management, internal control, capital前款规定的审慎经营规则，包adequacy
32、ratio, quality of assets, reserves for losses, risk concentration, affiliated transactions, liquidity of assets, etc.括风险管理、内部控制、资本充足Financial institutions in the banking industry shall strictly abide by率、资产质量、损失准备金、风险the prudent operation rules.集中、关联交易、资产流动性等内容。银行业金融机构应当严格遵守审慎经营规则。第二十二条国务院银行业监Articl
33、e22ThebankingregulatoryauthorityoftheStateCouncilshall,withinthestipulatedtimelimit,issueawrittendecisionon督管理机构应当在规定的期限，对whetherornottoapprovethefollowingapplicationitems.Whereit下列申请事项作出批准或者不批准decidesnottoapproveanapplication,itshallstatethereasonstherefor:的书面决定；决定不批准的，应当(1)withinsixmonthsofthedate
34、ofreceiptofapplication说明理由：documentsinthecaseofestablishmentofafinancialinstitutioninthebankingindustry;(一)银行业金融机构的设(2)withinthreemonthsofthedateofreceiptofapplication立，自收到申请文件之日起六个月documentsinthecaseofchangesinorterminationofafinancial内；institutioninthebankingindustry,orscopeofbusinessoradditionoft
35、ypesofserviceswithinthescopeofbusiness;and(二)银行业金融机构的变(3)within30daysofthedateofreceiptofapplicationdocumentsin更、终止，以及业务范围和增加业thecaseofexaminationofthequalificationsofdirectorsandseniormanagementpersonnel.务范围内的业务品种，自收到申请文件之日起三个月内;（三）审查董事和高级管理人员的任职资格，自收到申请文件之日起三十日内。第二十三条银行业监督管理机构应当对银行业金融机构的业务Article
36、23 The banking regulatory authority shall conduct off-site regulation of the business activities and risk profile of financial institutions in the banking industry, establish a system for活动及其风险状况进行非现场监管，建立银行业金融机构监督管理information on regulation of financial institutions in the banking industry, and ana
37、lyze and evaluate the risk profile of financial institutions in the banking industry.信息系统，分析、评价银行业金融机构的风险状况。第二十四条银行业监督管理机构应当对银行业金融机构的业务Article 24 The banking regulatory authority shall conduct on-site inspection of the business activities and risk profile of financial institutions in the banking ind
38、ustry.活动及其风险状况进行现场检查。国务院银行业监督管理机构应The banking regulatory authority of the State Council shall formulate the procedures for on-site inspection and standardize on-site inspection.当制定现场检查程序，规范现场检查行为。第二十五条国务院银行业监督管理机构应当对银行业金融机构Article 25 The banking regulatory authority of the State Council shall implem
39、ent regulation of consolidated statement on financial institutions in the banking industry.实行并表监督管理。第二十六条国务院银行业监督管理机构对中国人民银行提出的Article 26 The banking regulatory authority of the State Council shall give a reply to the proposals of inspection of financial institutions in the banking industry from the
40、 Peoples Bank of China检查银行业金融机构的建议，应当 自收到建议之日起三十日内予以回 复。第二十七条国务院银行业监 督管理机构应当建立银行业金融机 构监督管理评级体系和风险预警机 制，根据银行业金融机构的评级情 况和风险状况，确定对其现场检查 的频率、范围和需要采取的其他措 施。第二十八条国务院银行业监 督管理机构应当建立银行业突发事 件的发现、报告岗位责任制度。银行业监督管理机构发现可能 引发系统性银行业风险、严重影响 社会稳定的突发事件的，应当立即 向国务院银行业监督管理机构负责 人报告；国务院银行业监督管理机 构负责人认为需要向国务院报告 的，应当立即向国务院报告，
41、并告 知中国人民银行、国务院财政部门 等有关部门。within30daysofthedateofreceiptoftheproposal.Article27ThebankingregulatoryauthorityoftheStateCouncilshallestablisharatingsystemandariskalertmechanismforregulationoffinancialinstitutionsinthebankingindustry,andshalldeterminethefrequencyandscopeofon-siteinspection,andothermeasu
42、resthatneedtobeadoptedonthebasisoftheratingandriskprofileofthefinancialinstitutioninthebankingindustry.Article28ThebankingregulatoryauthorityoftheStateCouncilshallsetuppersonalresponsibilitysystemsforthediscoveryandreportingofsuddenincidentsinthebankingindustry.Wherethebankingregulatoryauthoritydisc
43、oversasuddenincidentthatmaytriggersystematicriskinthebankingindustryorseriouslyaffectsocialstability,itshallimmediatelyreporttotheperson-in-chargeofthebankingregulatoryauthorityoftheStateCouncil.Wheretheperson-in-chargeofthebankingregulatoryauthorityoftheStateCouncilconsidersthatitisnecessarytorepor
44、ttotheStateCouncil,heshalldosoimmediatelyandnotifyrelevantauthoritiessuchasthePeoplesBankofChinaandthefinancedepartmentoftheStateCouncil.F&田2田-U时Article29ThebankingregulatoryauthorityoftheStateCouncil弟一十九条国分阮银仃业曲shall,inconjunctionwithrelevantauthoritiessuchasthePeoples督管理机构应当会同中国人民银BankofChinaandth
45、efinancedepartmentoftheStateCouncil,establishasystemforhandlingsuddenincidentsinthebanking行、国务院财政部门等有关部门建industry,formulateaproposalforhandlingsuddenincidentsinthe立银行业突发事件处置制度，制定bankingindustry,clarifythehandlingauthoritiesandpersonnelandtheirduties,andthemeasuresandproceduresforhandling,and银行业突发事件处
46、置预案，明确处handlesuddenincidentsinthebankingindustryinatimelyand置机构和人员及其职责、处置措施effectivemanner.和处置程序，及时、有效地处置银行业突发事件。第三十条国务院银行业监督Article30ThebankingregulatoryauthorityoftheStateCouncilshallberesponsiblefortheunifiedpreparationofstatisticaldata管理机构负责统一编制全国银行业andstatementsoffinancialinstitutionsinthebanki
47、ngindustry金融机构的统计数据、报表，并按throughoutthecountry,andshallannouncethesameinaccordancewiththerelevantStateprovisions.照国家有关规定予以公布。第三十一条国务院银行业监Article31ThebankingregulatoryauthorityoftheStateCouncilshallguideandsupervisetheactivitiesofself-regulated督管理机构对银行业自律组织的活associationsofthebankingindustry.动进行指导和监督。T
48、hecharterofself-regulatedassociationsofthebankingindustryshallbesubmittedtothebankingregulatoryauthorityoftheState银行业自律组织的章程应当报Councilforrecordfiling.国务院银行业监督管理机构备案。第三十二条国务院银行业监Article32ThebankingregulatoryauthorityoftheStateCouncilmayengageininternationalexchangeandcooperationactivities督管理机构可以开展与银行业监督relatedtobankingregulation.管理有关的国际交流、合作活动。第四章监督管理措施Chapter4Regula
