【中英文对照版】中国银保监会中资商业银行行政许可事项实施办法(2022修正).docx

【公布日期】 【施行日期】 【效力位阶】 【法规类别】中国银保监会中资商业银 行行政许可事项实施办法（中国银监会令2015年第 2号公布，根据2017年7 月5日中国银监会关于修 改中资商业银行行政许可 事项实施办法的决定第 一次修正，根据2018年8 月17日中国银保监会关 于废止和修改部分规章的 决定第二次修正，根据 2022年9月2日中国银 保监会关于修改部分行政 许可规章的决定第三次修 正）中国银保监会中资商业银行行政许可事项实施办法(2022修正)ImplementationMeasuresoftheChinaBankingandInsuranceRegulatoryCommissionfortheAdministrativeLicensingItemsconcerningChinese-FundedCommercialBanks(2022Amendment)（制定机关】中国银行保险监督管理委员会【发文字号】中国银行保险监督管理委员会令2022年第5号2022.09.022022.10.08部门规章银行类金融机构Issuingauthority：InstrumentalitiesoftheStateCouncil,ACommissionsjChinaBankingInsuranceRegulatoryCommissionDocumentNumber：OrderNo.52022oftheChinaBankingandInsuranceRegulatoryCommijDateissued：09-02-2022Effectivedate：10-08-20221.evelofAuthority：DepartmentalRulesAreaofLaw：Banking&FinanceImplementationMeasuresoftheChinaBankingandInsuranceRegulatoryCommissionfortheAdministrativeLicensingItemsconcerningChinese-FundedCommercialBanks(PromulgatedinaccordancewiththeOrderNo.22015oftheChinaBankingRegulatoryCommission;revisedforthefirsttimeinaccordancewiththeDecisionoftheChinaBankingRegulatoryCommissiononAmendingtheImplementationMeasuresfortheAdministrativeLicensingItemsconcerningChinese-FundedCommercialBanksonJuly5,2017;revisedforthesecondtimeinaccordancewiththeDecisionoftheChinaBankingandInsuranceRegulatoryCommissiononRepealingandAmendingSomeRulesonAugust17,2018;andrevisedforthethirdtimeinaccordancewiththeDecisionoftheChinaBankingandInsuranceRegulatoryCommissiontoAmendCertainAdministrativeLicensingRulesonSeptember2,2022)Chapter I GeneralProvisions第一章总则Article1ForpurposesofregulatingtheadministrativelicensingactivitiesoftheChinaBankingandInsuranceRegulatoryCommission(uCBIRCn)anditslocalofficesandsub-officesconcerningChinese-fundedcommercialbanks,definingtheadministrativelicensingitems,conditions,proceduresandtimelimits,andprotectingthelawfulrightsandinterestsofapplicants,theseMeasuresaredevelopedinaccordancewiththeBankingSupervisionLawofthePeopledRepublicofChina,theCommercialBankLawofthePeople'sRepublicofChina,theAdministrativeLicensingLawofthePeople'sRepublicofChina,otherlawsandadministrativeregulations,andtherelevantdecisionsoftheStateCouncil.Article2ForthepurposeoftheseMeasures,uChinese-fundedcommercialbanksnincludeslargestate-controlledcommercialbanks,thePostalSavingsBankofChina(hereinafterreferredtoasustate-ownedcommercialbanksandTostalSavingsBanknrespectively),joint-stockcommercialbanksandurbancommercialbanks,amongothers.Article3TheCBIRCanditslocalofficesshallimplementadministrativelicensingforChinese-fundedcommercialbanksinaccordancewiththeprovisionsissuedbytheCBIRContheimplementationproceduresforadministrativelicensingandtheseMeasures.第一条为规范银保 监会及其派出机构实施中 资商业银行行政许可行为， 明确行政许可事项、条件、 程序和期限,保护申请人合 法权益，根据中华人民共 和国银行业监督管理法、 中华人民共和国商业银 行法和中华人民共和国 行政许可法等法律、行政 法规及国务院的有关决定, 制定本办法。第二条本办法所称 中资商业银行包括：国有控 股大型商业银行、中国邮政 储蓄银行（以下分别简称国 有商业银行、邮政储蓄银 行）、股份制商业银行、城 市商业银行等。第三条银保监会及 其派出机构依照银保监会 行政许可实施程序相关规 定和本办法，对中资商业银 行实施行政许可。第四条中资商业银 行以下事项须经银保监会 或其派出机构行政许可：机 构设立，机构变更，机构终 止，调整业务范围和增加业 务品种，董事和高级管理人 员任职资格，以及法律、行Article4ThefollowingitemsconcerningChinese-fundedcommercialbanksshallbesubjecttoadministrativelicensingbytheCBIRCanditslocalofficesandsub-offices:theformation,modificationandterminationofaninstitution,theadjustmentofbusinessscopeandadditionofnewproducttypes,theofficequalificationsofdirectorsandseniorexecutives,andotheradministrativelicensingitemsprescribedbylawsandadministrativeregulationsordecidedbytheStateCouncil.Article5AnapplicantshallsubmitapplicationmaterialsinaccordancewiththeprovisionsonthecatalogueofandrequirementsfortheformatsofapplicationmaterialsfortheadministrativelicensingitemsoftheCBIRC.Chapter II FormationofInstitutionsSection1FormationofInstitutionswithaLegalPersonStatusArticle6AninstitutionwithalegalpersonstatusofaChinese-fundedcommercialbanktobeformedshallmeetthefollowingconditions:(1) IthasbylawsincompliancewiththeCompanyLawofthePeople,sRepublicofChinaandtheCommercialBankLawofthePeople'sRepublicChina.(2) Itsregisteredcapitalispaid-incapital,theminimumamountofwhichisonebillionyuanoranequivalentinanyconvertiblecurrency.Theminimumamountofregisteredcapitalofaninstitutionwithalegalpersonstatusofanurbancommercialbankis100millionyuan.(3) Ithasdirectorsandseniorexecutiveswhoarequalifiedtoholdofficeandqualifiedpersonnelwhoarefamiliarwiththebankingbusiness.(4) Ithasasoundorganizationalstructureandcompletemanagementrules.政法规规定和国务院决定 的其他行政许可事项。第五条申请人应当 按照银保监会行政许可事 项申请材料目录及格式要 求相关规定提交申请材料。第二章机构设立第一节法人机构设立第六条设立中资商 业银行法人机构应当符合 以下条件：（一）有符合中华人民共 和国公司法和中华人民 共和国商业银行法规定的 章程；（二）注册资本为实缴资 本，最低限额为10亿元人 民币或等值可兑换货币，城 市商业银行法人机构注册 资本最低限额为1亿元人 民币；（三）有符合任职资格条件 的董事、高级管理人员和熟 悉银行业务的合格从业人 员；（四）有健全的组织机构和 管理制度；（五）有与业务经营相适应 的营业场所、安全防范措施(5) Ithasbusinesspremises,safetyprotectionmeasuresandotherfacilitiescommensuratewithitsoperations.(6) Ithasestablishedaninformationtechnologyframeworkcommensuratewithitsoperations,hasnecessary,safeandcompliantinformationtechnologysystemstosupportitsoperations,andhastechnologiesandmeasurestoensuretheeffectiveandsafeoperationoftheinformationtechnologysystems.Article7AninstitutionwithalegalpersonstatusofaChinese-fundedcommercialbanktobeformedshallalsomeetotherprudentialconditions,including,ataminimum,thefollowing:(1) Ithasasoundcorporategovernancestructure.(2) Ithasasoundriskmanagementsystemcapableofeffectivelycontrollingvariousrisks.(3) Therearequalifiedstrategicinvestorsamongthepromotershareholders.(4) Ithaseffectivehumanresourcesmanagementrulesandhighlycompetentprofessionals.(5) Ithaseffectivecapitalrestraintandreplenishmentmechanism.(6) Theformationoftheinstitutionisconducivetodissolvingtherisksinexistingfinancialinstitutionsandpromotingfinancialstability.和其他设施；（六）建立与业务经营相适 应的信息科技架构，具有支 撑业务经营的必要、安全且 合规的信息科技系统，具备 保障信息科技系统有效安 全运行的技术与措施。第七条设立中资商 业银行法人机构，还应当符 合其他审慎性条件，至少包 括：（一）具有良好的公司治理 结构；（二）具有健全的风险管理 体系，能有效控制各类风 险；（三）发起人股东中应当包 括合格的战略投资者；（四）具有科学有效的人力 资源管理制度，拥有高素质 的专业人才；（五）具备有效的资本约束 与资本补充机制；（六）有助于化解现有金融 机构风险，促进金融稳定。第八条设立中资商 业银行法人机构应当有符 合条件的发起人,发起人包 括：境内金融机构、境外金 融机构、境内非金融机构和Article8ToformaninstitutionwithalegalpersonstatusofaChinese-fundedcommercialbank,thereshallbequalifiedpromoters,includingdomesticfinancialinstitutions,overseasfinancialinstitutions,domesticnon-financialinstitutionsandotherpromotersrecognized by the CBIRC.uOverseasfinancialinstitutionsnasmentionedintheprecedingparagraphshallincludefinancialinstitutionsinHongKong,MacaoandTaiwanregion.Article9AsapromoterofaninstitutionwithalegalpersonstatusofaChinese-fundedcommercialbank,adomesticfinancialinstitutionshallmeetthefollowingconditions:(1) Itsmainprudentialregulatoryindicatorssatisfytheregulatoryrequirements.(2) Ithasgoodcorporategovernanceandadequateandeffectiveinternalcontrols.(3) Ithasearnedprofitsinthelastthreeconsecutivefiscalyears.(4) Ithasagoodsocialreputation,andhasneithercommittedanyseriousviolationoflawsandregulationsnorbeeninvolvedinanymajorcaseresultingfrominternalmanagementproblemsinthelasttwoyears.(5) OtherprudentialconditionsasprescribedbytherulesoftheCBIRC.Article10AsapromoterorstrategicinvestorofaninstitutionwithalegalpersonstatusofaChinese-fundedcommercialbank,anoverseasfinancialinstitutionshallmeetthefollowingconditions:(1) Itslong-termcreditratingassignedbyaninternationalratinginstitutionrecognizedbytheCBIRChasbeenugoodninthelasttwoyears.银保监会认可的其他发起 人。前款所称境外金融机构包 括香港、澳门和台湾地区的 金融机构。第九条境内金融机 构作为中资商业银行法人 机构的发起人,应当符合以 下条件：（一）主要审慎监管指标符 合监管要求；（二）公司治理良好，内部 控制健全有效；（三）最近3个会计年度连 续盈利；（四）社会声誉良好，最近 2年无严重违法违规行为 和因内部管理问题导致的 重大案件；（五）银保监会规章规定的 其他审慎性条件。第十条境外金融机 构作为中资商业银行法人 机构的发起人或战略投资 者，应当符合以下条件：（一）银保监会认可的国际 评级机构最近2年对其长 期信用评级为良好；（二）最近2个会计年度连(2) Ithasearnedprofitsinthelasttwoconsecutivefiscalyears.(3) Itscapitaladequacyratioreachestheaveragelevelofcapitaladequacyratioofthebankingsectorattheplaceofitsregistrationandisnotlessthan10.5%ifitisacommercialbank,orthetotalamountofitscapitalisnotlessthan10%ofthetotalamountofrisk-weightedassetsifitisanon-bankingfinancialinstitution.(4) Ithasadequateandeffectiveinternalcontrols.(5) Itsplaceofregistrationhassoundrulesforthesupervisionandadministrationoffinancialinstitutions.(6) Thecountry(region)whereitislocatedisingoodeconomiccondition.(7) OtherprudentialconditionsasprescribedbytherulesoftheCBIRC.AnoverseasfinancialinstitutionholdingsharesinaChinese-fundedcommercialbankasapromoterorastrategicinvestorshalladheretotheprinciplesofl,holdingsharesonalong-termbasis,optimizinggovernance,cooperatinginbusinessandavoidingcompetition.,TheCBIRCmay,inlightoftheriskstatusofthefinancialindustryandtheregulatoryrequirements,adjusttheconditionsforapromoterwhichisanoverseasfinancialinstitution.续盈利；（三）商业银行资本充足率 应当达到其注册地银行业 资本充足率平均水平且不 低于10.5%；非银行金融 机构资本总额不低于加权 风险资产总额的10%；（四）内部控制健全有效;（五）注册地金融机构监督 管理制度完善；（六）所在国（地区）经济 状况良好；（七）银保监会规章规定的 其他审慎性条件。境外金融机构作为发起人 或战略投资者入股中资商 业银行应当遵循长期持股、 优化治理、业务合作、竞争 回避的原则。银保监会根据金融业风险 状况和监管需要，可以调整 境外金融机构作为发起人 的条件。外商独资银行、中外合资银 行作为发起人或战略投资 者入股中资商业银行，参照 本条关于境外金融机构作 为发起人或战略投资者入 股中资商业银行的相关规 定。TherelevantprovisionsofthisarticleontheinvestmentinChinese-fundedcommercialbanksbyoverseasfinancialinstitutionsaspromotersorstrategicinvestorsshallapply,mutatismutandis,totheinvestmentinChinese-fundedcommercialbanksbywhollyforeign-ownedbanksandChinese-foreignequityjointventurebanksaspromotersorstrategicinvestors.Article 11 Chinese-fundedcommercialbanksinvestedinbyoverseasfinancialinstitutionsshallbesubjecttosupervisionandadministrationaccordingtotheinstitutionaltypesoftheseChinese-fundedcommercialbankswhenthesharesarepurchased.OverseasfinancialinstitutionsshallalsocomplywiththerelevantprovisionsofthestateoninvestmentbyforeigninvestorsinChina.,Article 12 AsapromoterofaninstitutionwithalegalpersonstatusofaChinese-fundedcommercialbank,adomesticnon-financialinstitutionshallmeetthefollowingconditions:(1) Itisformedinaccordancewiththelawandhasalegalpersonstatus.(2)lthasagoodcorporategovernancestructureoraneffectivemodeoforganizationalmanagement.(3) Ithasagoodsocialreputation,goodcreditstandingandgoodtaxpaymentrecords,andisabletorepaytheprincipalandinterestonloanstofinancialinstitutionsinfullamountonschedule.(4) Ithasarelativelylongdevelopmentperiodandstableoperations.(5) Ithasarelativelystrongbusinessmanagementcapabilityandstrengthincapital.(6) Ithasagoodfinancialstatus,withprofitsearnedinthelastthreeconsecutivefiscalyears.第十一条境外金融 机构投资入股的中资商业 银行，按照入股时该中资商 业银行的机构类型实施监 督管理。境外金融机构还 应遵守国家关于外国投资 者在中国境内投资的有关 规定。第十二条境内非金 融机构作为中资商业银行 法人机构发起人,应当符合 以下条件：（一）依法设立，具有法人 资格；（二）具有良好的公司治理 结构或有效的组织管理方 式；（三）具有良好的社会声 誉、诚信记录和纳税记录, 能按期足额偿还金融机构 的贷款本金和利息；（四）具有较长的发展期和 稳定的经营状况；（五）具有较强的经营管理 能力和资金实力；（六）财务状况良好，最近 3个会计年度连续盈利；（七）年终分配后，净资产 达到全部资产的30% （合 并会计报表口径）；(7) Itsnetassetsarenotlessthan30%ofitstotalassetsaftertheyear-enddistribution(onthebasisofconsolidatedaccountingstatements).(8) Thebalanceofitsequityinvestmentshallgenerallynotexceed50%ofitsnetassets(onthebasisofconsolidatedaccountingstatements),excludingtheinvestmentcompaniesandholdingcompaniesprescribedbytheStateCouncil.(9) Itcontributesitsowncapitalforshares,andmaynotcontributecapitalnotownedbyit,suchasfundsheldbyitasatrusteeanddebtfunds,forshares,unlessotherwiseprescribedbylawsandregulations.(10) OtherprudentialconditionsasprescribedbytherulesoftheCBIRC.Article13AnenterprisethatfallsunderanyofthefollowingcircumstancesshallnotbeapromoterofaninstitutionwithalegalpersonstatusofaChinese-fundedcommercialbank:(1) Itscorporategovernancestructureormechanismisevidentlydefective.(2) Ithasalargenumberofaffiliates,itsequityrelationshipsarecomplicatedoroflowtransparency,anditsaffiliatedtransactionsarefrequentandabnormal.(3) Itscorebusinessisnotprominentoritsbusinessscopeinvolvestoomanysectors.(4) Itscashflowfluctuationsaresubstantiallyaffectedbytheeconomicclimate.(5) Itsliability-assetratioorfinancialleverageratioishigherthantheaverageleveloftheindustry.（八）权益性投资余额原则 上不超过本企业净资产的 50%（合并会计报表口径）, 国务院规定的投资公司和 控股公司除外；（九）入股资金为自有资 金，不得以委托资金、债务 资金等非自有资金入股，法 律法规另有规定的除外；（十）银保监会规章规定的 其他审慎性条件。第十三条有以下情 形之一的企业不得作为中 资商业银行法人机构的发 起人：（一）公司治理结构与机制 存在明显缺陷；（二）关联企业众多、股权 关系复杂且不透明、关联交 易频繁且异常；（三）核心主业不突出且其 经营范围涉及行业过多；（四）现金流量波动受经济 景气影响较大；（五）资产负债率、财务杠 杆率高于行业平均水平；（六）代他人持有中资商业 银行股权；(6) ItholdsequityintheChinese-fundedcommercialbankonbehalfofothers.(7) Othercircumstancesthathaveasignificantlyadverseimpactonthebank.Article14TheformationofaninstitutionwithalegalpersonstatusofaChinese-fundedcommercialbankshallgothroughtwostages:formationpreparationandbusinessopening.Article15Anapplicationfortheformationpreparationofaninstitutionwithalegalpersonstatusofastate-ownedcommercialbankorajoint-stockcommercialbankshallbesubmittedjointlybyallthepromoterstotheCBIRC5andbeaccepted,examinedanddecidedbytheCBIRC.TheCBIRCshall,withinfourmonthsofacceptanceoftheapplication,makeawrittendecisiontoapproveordisapproveit.AnapplicationfortheformationpreparationofaninstitutionwithalegalpersonstatusofanurbancommercialbankshallbesubmittedjointlybyallthepromoterstotheprovincialCBIRCofficeattheplacewheretheinstitutionistobeformed,beacceptedandpreliminarilyexaminedbytheprovincialCBIRCofficeattheplacewheretheinstitutionistobeformed,andbeexaminedanddecidedbytheCBIRC.TheCBIRCshall,withinfourmonthsofacceptanceoftheapplication,makeawrittendecisiontoapproveordisapprovetheapplication.Article16TheperiodofformationpreparationofaninstitutionwithalegalpersonstatusofaChinese-fundedcommercialbankshallbesixmonthsfromthedaywhenthedecisiontoapprovetheapplicationismade.（七）其他对银行产生重大 不利影响的情况。第十四条中资商业 银行法人机构设立须经筹 建和开业两个阶段。第十五条国有商业 银行法人机构、股份制商业 银行法人机构的筹建申请, 应当由发起人各方共同向 银保监会提交，银保监会受 理、审查并决定。银保监会 自受理之日起4个月内作 出批准或不批准的书面决 定。城市商业银行法人机构的 筹建申请,应当由发起人各 方共同向拟设地省级派出 机构提交，拟设地省级派出 机构受理并初步审查,银保 监会审查并决定。银保监会 自受理之日起4个月内作 出批准或不批准的书面决 定。第十六条中资商业 银行法人机构的筹建期为 批准决定之日起6个月。国有商业银行、股份制商业 银行法人机构未能按期筹 建的，该机构筹建组应当在 筹建期限届满前1个月向Iftheformationpreparationofaninstitutionwithalegalpersonstatusofastate-ownedcommercialbankorajoint-stockcommercialbankcannotbecompletedduringtheperiod,theteamfortheformationpreparationoftheinstitutionshall,onemonthbeforetheexpiryoftheperiodofformationpreparation,submitareportonextendingtheperiodofformationpreparationtotheCBIRC.Theperiodofformationpreparationmaybeextendedonlyoncebynotmorethanthreemonths.Iftheformationpreparationofaninstitutionwithalegalpersonstatusofanurbancommercialbankcannotbecompletedduringtheperiod,theteamfortheformationpreparationoftheinstitutionshall,onemonthbeforetheexpiryoftheperiodofformationpreparation,submitareportonextendingtheperiodofformationpreparationtothelocalCBIRCOffice.Theperiodofformationpreparationmaybeextendedonlyoncebynotmorethanthreemonths.Theteamfortheformationpreparationoftheinstitutionshall,beforetheexpiryoftheperiodasprescribedintheprecedingparagraph,submitanapplicationforbusinessopening,and,ifitfailstodoso,theapprovaldocumentforformationpreparationshallbeinvalidated,andthedecidingauthorityshallhandletheformalitiesforcancelingtheformationpreparationpermit.Article17Anapplicati