CBRC-银监发[2010]44号-银行业金融机构外包风险管理指引-CH-EN

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银行业金融机构外包风险管理指引

Guidelines on the Management of Outsourcing Risks of Banking Financial Institutions

（中国银行业监督管理委员会办公厅 银监发[2010]44号 二0一0年六月七日） (General Office of China Banking Regulatory Commission, No. 44 [2010] of China

Banking Regulatory Commission, June 7, 2010)

第一章 总则

Chapter I General Provisions

第一条 为了规范银行业金融机构的外包活动，保障银行业金融机构业务持续经营，依据《中华人民共和国银行业监督管理法》、《中华人民共和国商业银行法》等有关法律法规，制定本指引。

Article 1 These Guidelines are formulated according to the Banking Supervision Law of the People’s Republic of China,the Law of the People’s Republic of China on Commercial Banks and other relevant laws and regulations in order to regulate the outsourcing activities of banking financial institutions and guarantee the continuous operation of the business of banking financial institutions.

第二条 在中华人民共和国境内设立的银行业金融机构适用本指引。

Article 2 These Guidelines shall be applicable to the banking financial institutions established within the territory of the People’s Republic of China.

第三条 本指引中的外包是指银行业金融机构将原来由自身负责处理的某些业务活动委托给服务提供商进行持续处理的行为。服务提供商包括独立第三方，银行业金融机构母公司或其所属集团设立在中国境内、外的子公司、关联公司或附属机构。

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Article 3 The term “outsourcing” as mentioned in these Guidelines refers to the banking financial institutions’ entrustment of service providers with some of their own business for continuous handling. Service providers shall include independent third parties and the subsidiary companies, affiliated companies or related companies established inside and outside China by the parent companies of banking financial institutions or the groups to which they are subordinate.

第四条 银行业金融机构的董事会和高级管理层应当承担外包活动的最终责任。 Article 4 The board of directors and the senior management of a banking financial institution shall assume the final responsibility for the outsourcing activities.

第五条 银行业金融机构开展外包活动应当制定外包的风险管理框架以及相关制度，并将其纳入全面风险管理体系。

Article 5 When conducting outsourcing activities, a banking financial institution shall formulate an outsourcing risk management framework and the relevant rules and include them in the comprehensive risk management system.

第六条 银行业金融机构应当根据审慎经营原则制定其外包战略发展规划，确定与其风险管理水平相适宜的外包活动范围。

Article 6 A banking financial institution shall, under the principle of prudent business operation, formulate its outsourcing strategic development plan, and determine the scope of outsourcing activities compatible to its risk management level.

第七条 银行业金融机构的战略管理、核心管理以及内部审计等职能不宜外包。 Article 7 Such functions of banking financial institutions as strategic management, core management and internal audit are not appropriate to outsource.

第二章 组织结构

Chapter II Organizational Structure

第八条 银行业金融机构外包管理的组织架构应当包括董事会、高级管理层及外包管理团队。

Article 8 The organizational structure of outsourcing management of a banking financial institution shall include its board of directors, senior management and an outsourcing management team.

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第九条 董事会的职责主要包括以下方面：

（一）审议批准外包的战略发展规划；

（二）审议批准外包的风险管理制度；

（三）审议批准本机构的外包范围及相关安排；

（四）定期审阅本机构外包活动相关报告；

（五）定期安排内部审计，确保审计范围涵盖所有的外包安排。

Article 9 The functions of the board of directors shall mainly include the following:

(1) deliberating and approving the outsourcing strategic development plans;

(2) deliberating and approving the outsourcing risk management rules;

(3) deliberating and approving its outsourcing scope and the relevant arrangements;

(4) regularly reviewing the relevant reports of its outsourcing activities; and

(5) regularly arranging internal audit so as to ensure that the scope of audit covers all outsourcing arrangements.

第十条 高级管理层的职责主要包括以下方面：

（一）制定外包战略发展规划；

（二）制定外包风险管理的政策、操作流程和内控制度；

（三）确定外包业务的范围及相关安排；

（四）确定外包管理团队职责，并对其行为进行有效监督。

Article 10 The functions of the senior management shall mainly include the following:

(1) formulating outsourcing strategic development plans;

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(2) formulating outsourcing risk management policies, operational processes and internal control system;

(3) determining the scope of the outsourcing business and the relevant arrangements; and

(4) determining the functions of the outsourcing management team and conducting effective supervision on the acts thereof.

第十一条 外包管理团队的职责主要包括以下方面：

（一）执行外包风险管理的政策、操作流程和内控制度；

（二）负责外包活动的日常管理，包括尽职调查、合同执行情况的监督及风险状况的监督；

（三）向高级管理层提出有关外包活动发展和风险管控的意见和建议；

（四）在发现外包服务提供商业的业务活动存在缺陷时，采取及时有效的措施；

（五）高级管理层确定的其他职责。

Article 11 The functions of the outsourcing management team shall mainly include the following:

(1) implementing the outsourcing risk management policies, operational processes and internal control system;

(2) being responsible for the daily management of the outsourcing activities, including due diligence investigation, supervision on the implementation of the contracts and supervision on the risk status;

(3) putting forward opinions and suggestions to the senior management on the development of the outsourcing activities and risk control;

(4) taking timely and effective measures when it finds the outsourcing service provider has deficiencies in its business activities; and

(5) other functions as determined by the senior management.

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