01. 中华人民共和国银行业监督管理法（2006.10.31修正）

Law of the People's Republic of China on Regulation of and Supervision over

the Banking Industry 中华人民共和国银行业监督管理法

Promulgating Institution: Document Number:

Standing Committee of the National People's Congress Order No. 58 of the President of the People's Republic of China

Promulgating Date: Effective Date: Validity Status: 颁布机关: 文号: 颁布时间: 实施时间: 效力状态: Text 正文

Order No.58 of the President of the People's Republic of China

The Decision of the Standing Committee of the National People's Congress on Amending the Law of the People's Republic of China on Regulation of and Supervision over the Banking Industry, adopted at the 24th Meeting of the Standing Committee of the Tenth National People's Congress of the People's Republic of the China on October 31, 2006, is hereby promulgated and shall go into effect as of January 1, 2007.

Hu Jintao, President of the People's Republic of China October 31, 2006

中华人民共和国主席令

第五十八号

《全国人民代表大会常务委员会关于修改〈中华人民共和国银行业监督管理法〉的决定》已由中华人民共和国第十届全国人民代表大会常务委员会第二十四次会议于2006年10月31日通过，现予公布，自2007年1月1日起施行。

中华人民共和国主席胡锦涛

2006年10月31日

10/31/2006 01/01/2007 Valid

全国人民代表大会常务委员会 中华人民共和国主席令第五十八号 10/31/2006 01/01/2007 有效

Law of the People's Republic of China on Regulation of and Supervision over the Banking Industry

(Adopted at the 6th Meeting of the Standing Committee of the Tenth National People's Congress on December 27, 2003; amended in accordance with the Decision of the Standing Committee of the Tenth National People's Congress on Amending the Law of the People's Republic of China on Regulation of and Supervision over the Banking

Industry adopted at its 24th Meeting on October 31, 2006)

中华人民共和国银行业监督管理法

(2003年12月27日第十届全国人民代表大会常务委员会第六次会议通过，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)

Contents

Chapter 1: General Provisions Chapter 2: Regulatory Authority

Chapter 3: Regulatory and Supervisory Responsibilities Chapter 4: Supervisory Measures Chapter 5: Legal Responsibility Chapter 6: Supplementary Provisions 第一章总 则 第二章监督管理机构 第三章监督管理职责 第四章监督管理措施 第五章法律责任 第六章附 则

Chapter 1: General Provisions

第一章总则

Article 1 This law is enacted with a view to improving regulation of and supervision over the banking industry, standardizing such regulation and supervision, preventing and mitigating risks in the banking industry, protecting the lawful rights and interests of depositors and other customers, and promoting the sound development of the banking industry.

第一条为了加强对银行业的监督管理,规范监督管理行为,防范和化解银行业风险,保护存款人和其他客户的合法权益,促进银行业健康发展,制定本法。

Article 2 The banking regulatory authority under the State Council shall be responsible for the regulation of and supervision over the financial institutions of the banking industry and their business operations throughout the country.

For purposes of this law, the \tutions of the banking industry\he

financial institutions established in the People's Republic of China that receive deposits from the general public, including, among others, commercial banks, urban credit cooperatives and rural credit cooperatives, and policy banks.

The provisions of this Law pertaining to the regulation of and supervision over the financial institutions of the banking industry are applicable to the regulation and supervision of the financial asset management companies, trust and investment corporations, finance companies and financial leasing companies established in the territory of the People's Republic of China and other financial institutions established with the approval of the banking regulatory authority under the State Council.

The banking regulatory authority under the State Council shall, in accordance with the relevant provisions of this Law, regulate and supervise the financial institutions that, upon its approval, are established outside the People's Republic of China, as well as the business operations conducted abroad by the financial institutions mentioned in the preceding two paragraphs.

第二条国务院银行业监督管理机构负责对全国银行业金融机构及其业务活动监督管理的工作。 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、城市信用合作社、农村信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。

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及前二款金融机构在境外的业务活动实施监督管理。

Article 3 The objectives of regulation of and supervision over the banking industry are to promote the lawful, sound and steady operation of the banking industry and preserve public trust in the industry.

The banking industry shall be regulated and supervised in such a way as to protect fair competition in the industry and increase the competitiveness of the industry. 第三条银行业监督管理的目标是促进银行业的合法、稳健运行,维护公众对银行业的信心。 银行业监督管理应当保护银行业公平竞争,提高银行业竞争能力。

Article 4 When exercising regulation and supervision, the banking regulatory

authority shall follow the principles of law-abiding, openness, impartiality and efficiency. 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。 Article 5 Performance of the duties of supervision in accordance with law by banking regulatory authority and its staff members engaged in supervision shall be protected by law. Local governments, government departments at various levels, public organizations and individuals shall not interfere.

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。

Article 6 The banking regulatory authority under the State Council shall establish a mechanism with the People's Bank of China and other financial regulatory authorities under the State Council for sharing supervisory information.

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。

Article 7 The banking regulatory authority under the State Council may establish a cooperative mechanism of supervision with the banking regulatory authorities in other countries or regions for cross-border supervision.

第七条国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。

Chapter 2: Regulatory Authority

第二章监督管理机构

Article 8 In light of the need to perform its duties, the banking regulatory authority under the State Council may set up local offices. It shall exercise unified leadership and administration of such offices.

The local offices of the banking regulatory authority under the State Council shall perform their supervisory duties within the scope authorized by the said authority. 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构对派出机构实行统一领导和管理。

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。

Article 9 The staff members of the banking regulatory authority who are engaged in supervision shall have the professional knowledge and work experience commensurate with the positions they are holding.

第九条银行业监督管理机构从事监督管理工作的人员,应当具备与其任职相适应的专业知识和业务工作经验。

Article 10 Staff members of the banking regulatory authority shall be devoted to their duties, act in accordance with law and be impartial and honest; they shall not take advantage of their positions to seek illegitimate benefits, or concurrently hold positions in enterprises such as financial institutions.

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,不得在金融机构等企业中兼任职务。

Article 11 Staff members of the banking regulatory authority shall, in accordance with law, guard State secrets, and it is incumbent upon them to guard the secrets of the financial institutions of the banking industry and of the parties subject to their