中英对照中华人民共和国外资银行管理条例(2019修订).docx

RegulationofthePeople,sRepublicofChinaonthe/AdministrationofForeign-FundedBanks(2019/Amendment)DocumentNumber：OrderNo.720oftheStateCouncilofthePeople'sRepublicofChinaAreaofLaw:GeneralProvisionsonBanking1.evelofAuthority：AdministrativeRegulationsIssuingAuthority：StateCouncilDateIssued：09-30-2019EffectiveDale.09-30-2019Status:EffectiveTopic：FinancePkulawNote:NoticebytheStateCouncilRegardingDeepeningtheReformofSeparatingPermitsfromBusinessLicensesandFurtherIncreasingtheDevelopmentVitalityofMarketParticipants(Issuedon05-19-2021Effectiveon05-19-2021)2014-2019AnnotationVersion2006-2014AnnotationVersionRegulationofthePeople,sRepublicofChinaontheAdministrationofForeign-FundedBanks(IssuedbyOrderNo.478oftheStateCouncilofthePeople'sRepublicofChinaonNovember11,2006;amendedforthefirsttimeaccordingtotheDecisionoftheStateCouncilonAmendingSomeAdministrativeRegulationsonJuly29,2014;amendedforthesecondtimeaccordingtotheDecisionoftheStateCouncilonAmendingtheRegulationofthePeoplesRepublicofChinaontheAdministrationofForeign-FundedBanksonNovember27,2014;andamendedforthethirdtimeinaccordancewiththeDecisionoftheStateCounciltoAmendtheRegulationofthePeople'sRepublicofChinaontheAdministrationofForeign-FundedInsuranceCompaniesandtheRegulationofthePeople'sRepublicofChinaontheAdministrationofForeign-FundedBanksonSeptember30,2019)中华人民共和国外资银行管理条例（2006年11月11日中华人民共和国国务院令第478号公布根据2014年7月29日国务院关于修改部分行政法规的决定第一次修订根据2014年11月27日国务院关修改中华人民共和国外资银行管理条例的决定第二次修订根据2019年9月30日国务院关于修改中华人民共和国外资保险公司管理条例和中华人民共和国外资银行管理条例的决定第三次修订）第一章总则ChapterIGeneralProvisionsArticle 1 ThisRegulationisdevelopedasrequiredbyChina'sopeningupandeconomicdevelopmenttostrengthenandimprovethesupervisionandadministrationofforeign-fundedbanksandpromotethesteadyandsoundoperationofthebankingsector.Article 2 ForthepurposesofthisRegulation,foreign-fundedbanks' A Chinese-foreign equity joint venture bank formed by one or more foreign financial institutions and one or more Chinese companies or enterprises as joint investors. A branch of a foreign bank. A representative office of a foreign bank.The institutions as listed in items (1) to (3) of the preceding paragraph are hereinafter together referred to as a for-profit institution of a foreign-funded bank.includesthefollowinginstitutionsformeduponapprovalwithintheterritoryofthePeople'sRepublicofChinainaccordancewiththerelevantlawsandregulationsofthePeople'sRepublicofChina:(1)Awhollyforeign-fundedbankformedbyoneforeignbankasthesoleinvestororbyoneforeignbankandotherforeignnancialinstitutionsasjointinvestors.第一条为了适应对外开放和经济发展的需要，加强和完善对外资银行的监督管理，促进银行业的稳健运行，制定本条例。第二条本条例所称外资银行，是指依照中华人民共和国有关法律、法规，经批准在中华人民共和国境内设立的下列机构：（一）1家外国银行单独出资或者1家外国银行与其他外国金融机构共同出资设立的外商独资银行；（二）外国金融机构与中国的公司、企业共同出资设立的中外合资银行；（三）外国银行分行；（四）外国银行代表处。前款第项至第三项所列机构，以下统称外资银行营业性机构。Article3ForthepurposesofthisRegulation,ttfreignfinancialinstitution,'meansafinancialinstitutionregisteredoutsidethePeople'sRepublicofChinaandapprovedorlicensedbythefinancialregulatoryauthorityofthecountryorregionwhereitislocated.ForthepurposesofthisRegulation,t4Ibreignbank,meansacommercialbankregisteredoutsidethePeople'sRepublicofChinaandapprovedorlicensedbythefinancialregulatoryauthorityofthecountryorregionwhereitislocated.Article4Aforeign-fundedbankmustcomplywiththelawsandregulationsofthePeoplerSRepublicofChina,andshallnotcauseanydamagetothenationalinterestorpublicinterestofthePeople'sRepublicofChina.Theregularactivitiesandlawfulrightsandinterestsofforeign-fundedbanksshallbeprotectedbythelawofthePeople'sRepublicofChina.Article5ThebankingregulatoryauthorityoftheStateCouncilanditslocaloffices(hereinaftertogetherreferredtoasthe“bankingregulatoryauthorities)shallberesponsibleforthesupen,isionandadministrationofforeign-fundedbanksandtheiractivities.Ifanyotherregulatorydepartmentorauthorityconductsthesupervisionandadministrationofforeign-fundedbanksandtheiractivitiesunderanylaworadministrativeregulation,suchalaworadministrativeregulationshallprevail.第三条本条例所称外国金融机构，是指在中华人民共和国境外注册并经所在国家或者地区金融监管当局批准或者许可的金融机构。本条例所称外国银行，是指在中华人民共和国境外注册并经所在国家或者地区金融监管当局批准或者许可的商业银行。第四条外资银行必须遵守中华人民共和国法律、法规，不得损害中华人民共和国的国家利益、社会公共利益。外资银行的正当活动和合法权益受中华人民共和国法律保护。第五条国务院银行业监督管理机构及其派出机构（以下统称银行业监督管理机构）负责对外资银行及其活动实施监督管理。法律、行政法规规定其他监督管理部门或者机构对外资银行及其活动实施监督管理的，依照其规定。Article6ThebankingregulatoryauthorityoftheStateCouncilshall,accordingtotheregionaleconomicdevelopmentstrategiesandtherelevantpoliciesofthestate,developtherelevantincentivesandguidingmeasures,andimplementthemwiththeapprovaloftheStateCouncil.ChapterIIFormationandRegistrationArticle 7 Thefoationofforeign-fundedbanksandtheirbranchesshallbesubjecttotheapprovalofthebankingregulatoryauthorities.Article 8 Theminimumamountoftheregisteredcapitalofawhollyforeign-fundedbankoraChinese-foreignequityjointventurebankshallbe1billionyuanyuanoranequivalentinfreelyconvertiblecurrency.Theregisteredcapitalshallbepaid-incapital.Theheadofficeofawhollyfbreign-fundedbankoraChinese-foreignequityjointventurebankshallprovide,freeofcharge,abranchformedwithintheterritoryofthePeople'sRepublicofChinawithworkingcapitalinRMBorfreelyconvertiblecurrency,butthesumofworkingcapitalprovidedforallofitsbranchofficesshallnotexceed60%ofthetotalcapitaloftheheadoffice.Theheadofficeofaforeignbankshallprovide,freeofcharge,abranchoftheforeignbankwithoperatingcapitalofnotless(han200millionyuanoranequivalentinfreelyconvertible第六条国务院银行业监督管理机构根据国家区域经济发展战略及相关政策制定有关鼓励和引导的措施，报国务院批准后实施。第二章设立与登记第七条设立外资银行及其分支机构，应当经银行业监督管理机构审查批准。第八条外商独资银行、中外合资银行的注册资本最低限额为10亿元人民币或者等值的自由兑换货币。注册资本应当是实缴资本。外商独资银行、中外合资银行在中华人民共和国境内设立的分行，应当由其总行无偿拨给人民币或者自由兑换货币的营运资金。外商独资银行、中外合资银行拨给各分支机构营运资金的总和，不得超过总行资本金总额的60%。外国银行分行应当由其总行无偿拨给不少于2亿元人民币currency.或者等值的自由兑换货币的营运资金。ThebankingregulatoryauthorityoftheStateCouncilmay,accordingtothescopesofbusinessofafor-profitinstitutionofaforeign-fundedbankandasneededinprudentialsupervision,increasetheminimumamountofregisteredcapitaloroperatingcapital,andprescribetheproportionofRMBtherein.Article 9 Ashareholderofawhollyforeign-fundedbankoraChinese-foreignequityjointventurebanktobeformedoraforeignbanktoformabranchorrepresentativeofficeshallmeetthefollowingconditions:(1) Havingsustainedprofitability,havingagoodcreditstanding,andhavingnorecordofanyseriousviolationoflawsandregulations.(2) Inthecaseofashareholderofawhollyforeign-fundedbanktobeformed,aforeignshareholderofaChinese-foreignequityjointventurebanktobeformed,oraforeignbanktoformabranchorrepresentativeoffice,havingexperienceinengagingininternationalfinancialactivities.(3) Havingeffectiveanti-moneylaunderingrules.(4) Inthecaseofashareholderofawhollyforeign-fundedbanktobeformed,aforeignshareholderofaChinese-foreignequityjointventurebanktobeformed,oraforeignbanktoformabranchorrepresentativeoffice,beingeffectivelyregulatedbythefinancialregulatoryauthorityofthecountryorregionwhereitislocated,andhavingobtainedanapprovalofitsapplicationfromthefinancialregulatoryauthorityofthe国务院银行业监督管理机构根据外资银行营业性机构的业务范围和审慎监管的需要，可以提高注册资本或者营运资金的最低限额，并规定其中的人民币份额。第九条拟设外商独资银行、中外合资银行的股东或者拟设分行、代表处的外国银行应当具备下列条件：（一）具有持续盈利能力，信誉良好，无重大违法违规记录；（二）拟设外商独资银行的股东、中外合资银行的外方股东或者拟设分行、代表处的外国银行具有从事国际金融活动的经验；（三）具有有效的反洗钱制度；（四）拟设外商独资银行的股东、中外合资银行的外方股东或者拟设分行、代表处的外国银行受到所在国家或者地区金融监管当局的有效监管，并且其申请经所在国家或者地区金融监管当局同意；CoUnIryorregionwhereitislocated.(5) OtherprudentialconditionsasprescribedbythebankingregulatoryauthorityoftheStateCouncil.TheCoIlntryorregionwhereashareholderofawhollyfbreign-fundedbanktobeformed,aforeignshareholderofaChinese-foreignequityjointventurebanktobeformed,oraforeignbanktoformabranchorrepresentativeofficeislocatedshallhaveasoundfinancialregulatorysystem,andthefinancialregulatoryauthoritythereofhasestablishedasoundsupervisioncooperationmechanismwiththebankingregulatoryauthorityoftheStateCouncil.Article 10 Ashareholderofawhollyforeign-fundedbankshallbeafinancialinstitution.InadditiontotheconditionsassetoutinArticle9ofthisRegulation,thesoleorcontrollingshareholderthereofshallmeetthefollowingconditions:(1) Itisacommercialbank.(2) Itscapitaladequacyratiosatisfiestherequirementsofthefinancialregulator)/authorityoftheCoUntryorregionwhereitislocatedandthebankingregulatoryauthorityoftheStateCouncil.Article 11 AmongtheshareholdersofaChinese-foreignequityjointventurebanktobeformed,inadditiontomeetingtheconditionsassetoutinArticle9ofthisRegulation,aforeignshareholdershallbeafinancialinstitution,andthesole（五）国务院银行业监督管理机构规定的其他审慎性条件。拟设外商独资银行的股东、中外合资银行的外方股东或者拟设分行、代表处的外国银行所在国家或者地区应当具有完善的金融监督管理制度，并且其金融监管当局已经与国务院银行业监督管理机构建立良好的监督管理合作机制。第十条拟设外商独资银行的股东应当为金融机构，除应当具备本条例第九条规定的条件外，其中唯一或者控股股东还应当具备下列条件：（一）为商业银行；（二）资本充足率符合所在国家或者地区金融监管当局以及国务院银行业监督管理机构的规定。第H-一条拟设中外合资银行的股东除应当具备本条例第九条规定的条件外，其中外方股东应当为金融机构，且外方唯一或者主要股东还应当具备下列条件：orprincipalforeignshareholdershallalsomeetthefollowingconditions:（一）为商业银行；（二）资本充足率符合所在国家或者地区金融监管当局以及 国务院银行业监督管理机构的规定。(1) Itisacommercialbank;(2) Itscapitaladequacyratiosatisfiestherequirementsofthefinancialregulatorj,authorityoftheCoUnIryorregionwhereitislocatedandthebankingregulatoryauthorityoftheStateCouncil.第十二条拟设分行的外国银行除应当具备本条例 第九条规定的条件外，其资本充足率还应当符合所在国家 或者地区金融监管当局以及国务院银行业监督管理机构的 规定。Article12Toformabranch,aforeignbankshall,inadditiontomeetingtheconditionsassetoutinArticle9ofthisRegulation,satisfytherequirementsofthefinancialregulatoryauthorityofthecountryorregionwhereitislocatedandthebankingregulatoryauthorityoftheStateCouncilregardingitscapitaladequacyratio.第十三条外国银行在中华人民共和国境内设立营 业性机构的，除已设立的代表处外，不得增设代表处，但 符合国家区域经济发展战略及相关政策的地区除外。代表处经批准改制为营业性机构的，应当依法办理原代表 处的注销登记手续。Article 13 Whereaforeignbankhasformedanyfbr-profitinstitutionwithintheterritoryofthePeople'sRepublicofChina,itshallnotformanyrepresentativeofficeinadditiontotheexistingrepresentativeoffices,unlesstheadditionalrepresentativeofficeistobeformedinaregionwhichsatisfiestheregionaleconomicdevelopmentstrategiesandtherelevantpoliciesofthestate.Wherearepresentativeofficeisrestructuredintoafor-profitinstitutionuponapproval,therepresentativeofficeshallundergothederegistrationformalitiesaslegallyrequired.Article 14 Toformafbr-profitinstitutionofaforeign-funded第十四条设立外资银行营业性机构，应当先申请bank,theapplicantshallfirstapplyforformationpreparation,筹建，并将下列申请资料报送拟设机构所在地的银行业监andsubmitthefollowingapplicationmaterialstothebanking督管理机构:regulatoryauthorityattheplacewheretheinstitutionistobelocated:(I)Awrittenapplication,containingthename,location.（一）申请书，内容包括拟设机构的名称、所在地、注册资registeredcapitaloroperatingcapital,andtypesofbusiness,amongothers,oftheinstitutiontobeformed.本或者营运资金、申请经营的业务种类等;(2)Afeasibilitystudyreport.（二）可行性研窕报告:(3)Thedraftbylawsofthewhollyforeign-fundedbankorthe（三）拟设外商独资银行、中外合资银行的章程草案;Chinese-foreignequityjointventurebanktobeformed.(4)AcontractsignedbyallshareholdersofthewhollyIbreign-（四）拟设外商独资银行、中外合资银行各方股东签署的经fundedbankortheChinese-foreignequityjointventurebanktobeformedregardingtheoperationofthebanktobeformed.营合同;(5)Thebylawsofeachshareholderofthewhollyforeign-fundedbankortheChinese-foreignequityjointventurebank（五）拟设外商独资银行、中外合资银行的股东或者拟设分tobeformedorthebylawsoftheforeignbanktoforma行的外国银行的章程:branch.(6) Theorganizationalstructurechartsofeachshareholderofthewhollyforeign-fundedbankortheChinese-foreignequityjointventurebanktobeformedandthegrouptowhichit（六）拟设外商独资银行、中外合资银行的股东或者拟设分belongsortheorganizationalstructurechartsoftheforeign行的外国银行及其所在集团的组织结构图、主要股东名banktoformabranchandthegrouptowhichitbelongs,alist单、海外分支机构和关联企业名单:ofprincipalshareholders,andalistofoverseasbranchofficesandaffiliates.(7) Theannualreportsforthelastthreeyearsofeachshareholderofthewhollyforeign-fundedbankortheChinese-foreignequityjointventurebanktobe(brinedortheannualreportsforthelastthreeyearsoftheforeignbanktoformabranch.(8)Theanti-moneylaunderingrulesofeachshareholderofthewhollyforeign-fundedbankortheChinese-foreignequityjointventurebanktobeformedortheanti-moneylaunderingrulesoftheforeignbanktoformabranch.(9) AphotocopyofthebusinesslicenseorfinancialbusinesspermitissuedbythefinancialregulatoryauthorityoftheCOUnIryorregionwhereeachshareholderofthewhollyforeign-fundedbanktobeformed,eachforeignshareholderoftheChinese-foreignequityjointventurebanktobeformed,ortheforeignbanktoformabranchislocatedandawrittenopinionthereofonitsapplication.(10) OthermaterialsasrequiredbythebankingregulatoryauthorityoftheStateCouncil.ThebankingregulatoryauthorityattheplacewheretheinstitutionistobelocatedshallsubmittheapplicationmaterialsanditsexaminationopinionstothebankingregulatoryauthorityoftheStateCouncilinatimelymanner.（七）拟设外商独资银行、中外合资银行的股东或者拟设分行的外国银行最近3年的年报；（八）拟设外商独资银行、中外合资银行的股东或者拟设分行的外国银行的反洗钱制度；（九）拟设外商独资银行的股东、中外合资银行的外方股东 或者拟设分行的外国银行所在国家或者地区金融监管当局 核发的营业执照或者经营金融业务许可文件的复印件及对 其申请的意见书；（十）国务院银行业监督管理机构规定的其他资料。拟设机构所在地的银行业监督管理机构应当将申请资料连 同审核意见，及时报送国务院银行业监督管理机构。第十五条国务院银行业监督管理机构应当自收到 设立外资银行营业性机构完整的申请资料之日起6个月内 作出批准或者不批准筹建的决定，并书面通知申请人。决Article 15 Thebankingregulator),authorityoftheStaleCouncilshall,withinsixmonthsofreceiptofcompleteapplicationmaterialsfortheformationofafor-profitinstitutionofaforeign-fundedbank,makeadecisiontoapproveordisapprovetheapplication,andnotifytheapplicantinwritingofthedecision.Inthecaseofdisapproval,reasonsshallbeexplained.If,underspecialcircumstances,thebankingregulatoryauthorityoftheStateCouncilisunabletocompleteexaminationandmakeadecisiontoapproveordisapproveanapplicationduringtheperiodprescribedintheprecedingparagraph,itmayappropriatelyextendtheperiodofexamination,buttheapplicantshallbenotifiedoftheextensioninwriting,andtheextensionmaynotexceedthreemonths.Theapplicantshall,onthebasisoftheapprovaldocumentforformationpreparation,obtainanapplicationformforbusinessopeningfromthebankingregulatoryauthorityattheplacewheretheinstitutionistobelocated.定不批准的，应当说明理由。特殊情况下，国务院银行业监督管理机构不能在前款规定 期限内完成审查并作出批准或者不批准筹建决定的，可以 适当延长审查期限，并书面通知申请人，但延长期限不得 超过3个月。申请人凭批准筹建文件到拟设机构所在地的银行业监督管理机构领取开业申请表。第十六条 申请人应当自获准筹建之日起6个月内 完成筹建工作。在规定期限内未完成筹建工作的，应当说 明理由，经拟设机构所在地的银行业监督管理机构批准， 可以延长3个月。在延长期内仍未完成筹建工作的，国务 院银行业监督管理机构作出的批准筹建决定自动失效。Article 16 Theapplicantshallcompleteformationpreparationwithinsixmonthsfromthedaywhentheapplicationforformationpreparationisapproved.Iftheapplicantfailstocompletethepreparatoryworkwithintheprescribedperiod,itshallprovideanexplanation,andtheperiodmaybeextendedbythreemonthswiththeapprovalofthebankingregulatoryauthorityattheplacewheretheinstitutionistobelocated.Iftheapplicantstillfailstocompletethepreparatoryworkwithintheextension,thedecisionofthebankingregulatoryauthorityoftheStateCounciltoapproveitsapplicationforformationpreparationshallbeinvalidatedautomatically.Article 17 Afterthepreparatoryworkiscompletedandpassestheacceptancecheck,theapplicantshallsubmitthecompletedapplicationformforbusinessopeningandthefollowingmaterialstothebankingregulatoryauthorityattheplacewheretheinstitutionistobelocated:(1) Anamelistandresumesoftheprincipalpersonsinchargeoftheinstitutiontobeformed.(2) Powerofattorneytotheprincipalpersonsinchargeoftheinstitutiontobeformed.(3) Acapitalveri