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| Order of the State Council of the People's Republic of China | | 中华人民共和国国务院令 |
(No .260) | |
（第２６０号） |
The Measures for Punishment of Illegal Financial Acts was adopted at the 13th Executive Meeting of the State Council on January 14, 1999, is hereby promulgated. | |
《金融违法行为处罚办法》已经１９９９年１月１４日国务院第１３次常务会议通过，现予发布施行。 |
Premier: Zhu Rongji | |
总理 朱镕基 |
February 22, 1999 | |
１９９９年２月２２日 |
Measure for Punishment of Illegal Financial Acts | |
金融违法行为处罚办法 |
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| Article 1 The Measures are formulated for the purpose of punishing illegal financial acts, maintaining the financial order and preventing financial risks. | | 第一条 为了惩处金融违法行为，维护金融秩序，防范金融风险，制定本办法。 |
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| Article 2 Financial institutions which violate the provisions of the State concerning financial management shall be punished in accordance with the provisions of relevant law and administrative regulations on punishments if such provisions are available; or in accordance with these Measure if such provisions are not available or if the provisions of relevant administrative regulations on punishments are inconsistent with these Measures. | | 第二条 金融机构违反国家有关金融管理的规定，有关法律、行政法规有处罚规定的，依照其规定给予处罚；有关法律、行政法规未作处罚规定或者有关行政法规的处罚规定与本办法不一致的，依照本办法给予处罚。 |
The term “financial institutions” as mentioned in these Measures refers to the institutions that are legally established and engaged in the finance business within the territory of the People's Republic of China, including banks, credit cooperatives, financial companies, trust and investment companies, lease financing companies, etc. | |
本办法所称金融机构，是指在中华人民共和国境内依法设立和经营金融业务的机构，包括银行、信用合作社、财务公司、信托投资公司、金融租赁公司等。 |
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| Article 3 Administrative punishments provided for in these Measures shall be decided by the People's Bank of China; however, administrative punishments provided for in Article 24 and 25 of these Measures shall be decided by the organ of the State for foreign exchange control | | 第三条 本办法规定的行政处罚，由中国人民银行决定；但是本办法第二十四条、第二十五条规定的行政处罚，由国家外汇管理机关决定。 |
Disciplinary sanctions provided for in these Measures, including warning, recording of demerit, recording of serious demerit, demotion, removal from office, probation on the job and expulsion, shall be decided by the financial institutions or the superior financial institutions. | |
本办法规定的纪律处分，包括警告、记过、记大过、降级、撤职、留用察看、开除，由所在金融机构或者上级金融机构决定。 |
If a staff member of a financial institution is given the disciplinary sanction of expulsion in accordance with these Measures, he may not work in any financial institution for life, and the People's Bank of China shall inform all financial institutions that they may not appoint him and shall make an announcement in a nationwide newspaper. If a senior administration office of a financial institution is given the disciplinary sanction of removal from office in accordance with these Measures, the People Bank of China shall decide that he may not hold a senior administrative post or post corresponding to the original one in any financial institution within a prescribed period or even for life, inform all financial institutions that they may not appoint him and make an announcement in a nationwide newspaper. | |
金融机构的工作人员依照本办法受到开除的纪律处分的，终身不得在金融机构工作，由中国人民银行通知各金融机构不得任用，并在全国性报纸上公告。金融机构的高级管理人员依照本办法受到撤职的纪律处分的，由中国人民银行决定在一定期限内直至终身不得在任何金融机构担任高级管理职务或者与原职务相当的职务，通知各金融机构不得任用，并在全国性报纸上公告。 |
The term “senior management employees” as mentioned in these Measures means the legal representatives and other chief person in charge of financial institutions, including chairmen, vice chairmen, presidents, vice presidents, division chiefs and deputy division chiefs of banks and their branches; chairmen, vice chairmen, division chiefs and deputy division chiefs of credit cooperatives; chairmen, deputy chairmen, general managers, deputy general managers of financial institutions such as financial companies, trust and investment companies and financial lease companies | |
本办法所称高级管理人员，是指金融机构的法定代表人和其他主要负责人，包括银行及其分支机构的董事长、副董事长、行长、副行长、主任、副主任；信用合作社的理事长、副理事长、主任、副主任；财务公司、信托投资公司、金融租赁公司等金融机构的董事长、副董事长、总经理、副总经理等。 |
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| Article 4 If a staff member of a financial institution, after he leaves the financial institution, is found in violation of the provisions of the State concerning financial management during his employment in the financial institution, his responsibility therefore shall still be investigated for according to law. | | 第四条 金融机构的工作人员离开该金融机构工作后，被发现在该金融机构工作期间违反国家有关金融管理规定的，仍然应当依法追究责任。 |
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| Article 5 The establishment, merger or revocation of a branch or representative agency of a financial institution shall be subject to the approval of the People's Bank of China. | | 第五条 金融机构设立、合并、撤销分支机构或者代表机构的，应当经中国人民银行批准。 |
If a financial institution establishes, merges or revokes a branch or representative agency without the approval of the People's Bank of China, the institution shall be given a warning and concurrently have a fine of not less than 50,000 yuan and not more than 300,000 yuan imposed; the senior administrative officers directly responsible for the financial institution shall be given the disciplinary sanction of removal from office or even expulsion | |
未经中国人民银行批准，金融机构擅自设立、合并、撤销分支机构或者代表机构的，给予警告，并处５万元以上３０万元以下的罚款；对该金融机构直接负责的高级管理人员，给予撤职直至开除的纪律处分。 |
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| Article 6 A financial institution shall be subject to the approval of the People's Bank of China under any one of the following circumstances: | | 第六条 金融机构有下列情形之一的，应当经中国人民银行批准： |
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| (1) changing its name; | | （一）变更名称； |
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| (2) changing its registered capital; | | （二）变更注册资本； |
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| (3) changing its address; | | （三）变更机构所在地； |
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| (4) replacing a senior administrative officer; or | | （四）更换高级管理人员； |
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| (5) making any other change or replacement stipulated by the People's Bank of China | | （五）中国人民银行规定的其他变更、更换情形。 |
If a financial institution undergoes one of the circumstances listed in the preceding paragraph without the approval of the People's Bank of China, the institution shall be given a warning and concurrently have a fine of not less than 10,000 yuan and not more than 100,000 yuan imposed; if it undergoes the circumstance listed in Item (4) of the preceding paragraph, the senior administrative officers directly responsible for the financial institution shall be given the disciplinary sanction of removal from office or even expulsion | |
金融机构未经中国人民银行批准，有前款所列情形之一的，给予警告，并处１万元以上１０万元以下的罚款；有前款第（四）项所列情形的，对该金融机构直接负责的高级管理人员，给予撤职直至开除的纪律处分。 |
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| Article 7 A financial institution changing its shareholders, assigning the equity or adjusting the equity structure shall be subject to the approval of the People's Bank of China; if a change of the State owned equity is involved, it shall concurrently be subject to the approval of the department of finance in accordance with the provisions | | 第七条 金融机构变更股东、转让股权或者调整股权结构的，应当经中国人民银行批准；涉及国有股权变动的，并应当按照规定经财政部门批准。 |
If a financial institution changes its shareholders, assigns equity or adjusts the equity structure without approval according to law, the institution shall be given a warning, have the illegitimate earnings confiscated and concurrently have a fine of not less than one time nor more than three times the illegitimate earnings imposed, or a fine of more than 50,000 yuan and less than 300,000 yuan in the absence of illegitimate earnings; the senior administrative officers directly responsible for the financial institution shall be given the disciplinary sanction of removal from office or even expulsion | |
未经依法批准，金融机构擅自变更股东、转让股权或者调整股权结构的，给予警告，没收违法所得，并处违法所得１倍以上３倍以下的罚款，没有违法所得的，处５万元以上３０万元以下的罚款；对该金融机构直接负责的高级管理人员，给予撤职直至开除的纪律处分。 |
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| Article 8 Financial institutions may not engage in feigned investments or capital flight | | 第八条 金融机构不得虚假出资或者抽逃出资。 |
If a financial institution engages in feigned investment or capital flight, the institution shall be ordered to suspend its business for internal rectification and concurrently have a fine of not less than 5% nor more than 10% of the amount of the feigned investment or the capital flight imposed; the senior administrative officers directly responsible for the financial institution shall be given the disciplinary sanction of expulsion, and other persons in charge directly responsible and persons directly responsible shall be given the disciplinary sanction of recording of demerit or even expulsion; if the circumstances are serious, the license for engagement in the financial business of the financial institution shall be revoked; if a crime of feigned investment or capital flight or any other crime is constituted, criminal liability shall be investigated for according to law | |
金融机构虚假出资或者抽逃出资的，责令停业整顿，并处虚假出资金额或者抽逃出资金额百分之五以上百分之十以下的罚款；对该金融机构直接负责的高级管理人员给予开除的纪律处分，对其他直接负责的主管人员和直接责任人员给予记过直至开除的纪律处分；情节严重的，吊销该金融机构的经营金融业务许可证；构成虚假出资、抽逃出资罪或者其他罪的，依法追究刑事责任。 |
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| Article 9 Financial institutions may not engage in financial business activities beyond the business scope approved by the People's Bank of China | | 第九条 金融机构不得超出中国人民银行批准的业务范围从事金融业务活动。 |
If a financial institution engages in financial business activities beyond the business scope approved by the People's Bank of China, the institution shall be given a warning, have its illegitimate earnings confiscated and concurrently have a fine of not less than one time nor more than five times the illegitimate earnings imposed, or a fine of not less than 100,000 yuan nor more than 500,000 yuan in the absence of illegitimate earnings; the senior administrative officers directly responsible for the financial institution shall be given the disciplinary sanction of removal from office or even expulsion, and other persons in charge directly responsible and persons directly responsible shall be given the disciplinary sanction of recording of demerit or even expulsion; if the circumstances are serious, the financial institution shall be ordered to suspend its business for internal rectification or have the license for engagement in the financial business revoked; if the crime of illegal business operations or any other crime is constituted, criminal liability shall be investigated for according to law | |
金融机构超出中国人民银行批准的业务范围从事金融业务活动的，给予警告，没收违法所得，并处违法所得１倍以上５倍以下的罚款，没有违法所得的，处１０万元以上５０万元以下的罚款；对该金融机构直接负责的高级管理人员给予撤职直至开除的纪律处分，对其他直接负责的主管人员和直接责任人员给予记过直至开除的纪律处分；情节严重的，责令该金融机构停业整顿或者吊销经营金融业务许可证；构成非法经营罪或者其他罪的，依法追究刑事责任。 |
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| Article 10 Representative agencies of financial institutions may not engage in financial business | | 第十条 金融机构的代表机构不得经营金融业务。 |
If a representative agency of a financial institution engages in financial business, it shall be given a warning, have its illegitimate earnings confiscated and concurrently have a fine of not less than one time nor more than three times the illegitimate earnings imposed or a fine of more than 50,000 yuan and less than 300,000 yuan in the absence of illegitimate earnings; the senior administrative officers directly responsible for the financial institution shall be given the disciplinary sanction of removal from office or even expulsion, and other persons in charge directly responsible and persons directly responsible shall be given the disciplinary sanction of demotion or even expulsion; if the circumstances are serious, the representative agency shall be revoked | |
金融机构的代表机构经营金融业务的，给予警告，没收违法所得，并处违法所得１倍以上３倍以下的罚款，没有违法所得的，处５万元以上３０万元以下的罚款；对该金融机构直接负责的高级管理人员给予撤职直至开除的纪律处分，对其他直接负责的主管人员和直接责任人员给予降级直至开除的纪律处分；情节严重的，撤销该代表机构。 |
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| Article 11 Financial institutions may not carry out offthebook operations in any of the following manners: | | |
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| (1) failing to keep books or files pursuant to the accounting system when handling businesses such as deposits and loans, or failing to reflect them in accounting statements; | | （一）办理存款、贷款等业务不按照会计制度记账、登记，或者不在会计报表中反映； |
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| (2) squeezing differences among diverse businesses such as deposits and loans in a single account; | | （二）将存款与贷款等不同业务在同一账户内轧差处理； |
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| (3) failing to list operation income in accounting books; or | | （三）经营收入未列入会计账册； |
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| (4) off the book operations in any other manner | | （四）其他方式的账外经营行为。 |
If a financial institution violates the provisions of the preceding paragraph, the institution shall be given a warning, have its illegitimate earnings confiscated and concurrently have a fine of not less than one time nor more than five times the illegitimate earnings imposed, or a fine of not less than 100,000 yuan nor more than 500,000 yuan in the absence of illegitimate earnings; the senior administrative officers directly responsible for the financial institution, other persons in charge directly responsible and persons directly responsible shall be given the disciplinary sanction of expulsion; if the circumstances are serious, the financial institution shall be ordered to suspend its business for internal rectification or have its license for engagement in the financial business revoked; if the crime of illegal call money or granting of loans using customers' funds out of books or any other crime is constituted, criminal liability shall be investigated for according to law | |
金融机构违反前款规定的，给予警告，没收违法所得，并处违法所得１倍以上５倍以下的罚款，没有违法所得的，处１０万元以上５０万元以下的罚款；对该金融机构直接负责的高级管理人员、其他直接负责的主管人员和直接责任人员，给予开除的纪律处分；情节严重的，责令该金融机构停业整顿或者吊销经营金融业务许可证；构成用账外客户资金非法拆借、发放贷款罪或者其他罪的，依法追究刑事责任。 |
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| Article 12 Financial institutions may not provide financial accounting reports or statistic reports which are falsified or conceal important facts | | 第十二条 金融机构不得提供虚假的或者隐瞒重要事实的财务会计报告、统计报告。 |
If a financial institution provides a financial accounting report or statistics report which is falsified or conceals important facts, the institution shall be given a warning and concurrently have a fine of not less than 100,000 yuan nor more than 500,000 yuan imposed; the senior administrative officers directly responsible for the financial institution shall be given the disciplinary sanction of removal from office or even expulsion, and other persons in charge directly responsible and persons directly responsible shall be given the disciplinary sanction of recording of serious demerit or even expulsion; if the circumstances are serious, the financial institution shall be ordered to have its business suspended for internal rectification or have its license for engagement in financial business revoked; if a crime of providing falsified financial accounting reports or any other crime is constituted, criminal liability shall be investigated for according to law | |
金融机构提供虚假的或者隐瞒重要事实的财务会计报告、统计报告的，给予警告，并处１０万元以上５０万元以下的罚款；对该金融机构直接负责的高级管理人员给予撤职直至开除的纪律处分，对其他直接负责的主管人员和直接责任人员给予记大过直至开除的纪律处分；情节严重的，责令该金融机构停业整顿或者吊销经营金融业务许可证；构成提供虚假财会报告罪或者其他罪的，依法追究刑事责任。 |
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| Article 13 Financial institutions may not produce financial documents and certificates such as letters of credit, letters of guarantee, instruments, certificates of deposit or certificates of creditworthiness which do not correspond to the facts | | 第十三条 金融机构不得出具与事实不符的信用证、保函、票据、存单、资信证明等金融票证。 |
If a financial institution fraudulently produces a financial document or certificate such as a letter of credit, letter of guarantee, instrument, or certificate of deposit, certificate of creditworthiness which does not correspond to the fact, the institution shall be given a warning, have its illegitimate earnings confiscated and concurrently have a fine of not less than one time nor more than five times the illegitimate earnings imposed or a fine of not less than 100,000 yuan nor more than 500,000 yuan in the absence of illegitimate earnings; the senior administrative officers directly responsible for the financial institution, other persons in charge directly responsible and persons directly responsible shall be given the disciplinary sanction of expulsion; if a crime of illegally producing financial documents and certificates or any other crime is constituted, criminal liability shall be investigated for according to law | |
金融机构弄虚作假，出具与事实不符的信用证、保函、票据、存单、资信证明等金融票证的，给予警告，没收违法所得，并处违法所得１倍以上５倍以下的罚款，没有违法所得的，处１０万元以上５０万元以下的罚款；对该金融机构直接负责的高级管理人员、其他直接负责的主管人员和直接责任人员，给予开除的纪律处分；构成非法出具金融票证罪或者其他罪的，依法追究刑事责任。 |
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| Article 14 Financial institutions may not accept, discount, pay out or guarantee negotiable instruments which violate the provisions of the Law of Negotiable Instruments | | 第十四条 金融机构对违反票据法规定的票据，不得承兑、贴现、付款或者保证。 |
If a financial institution accepts, discounts, pays out or guarantees a negotiable instrument which violates the provisions of the Law of Negotiable Instruments, the institution shall be given a warning, have its illegitimate earnings confiscated and concurrently have a fine of not less than one time nor more than three times the illegitimate earnings imposed or a fine of not less than 50,000 yuan nor more than 300,000 yuan in the absence of illegitimate earnings; the senior administrative officers directly responsible for the financial institution, other persons in charge directly responsible and persons directly responsible shall be given the disciplinary sanction of recording of serious demerit or even expulsion; if a loss of funds is caused, the senior administrative officers directly responsible for the financial institution shall be given the disciplinary sanction of removal from office or even expulsion; if a crime of accepting, paying out or guaranteeing illegal negotiable instruments or any other crime is constituted, criminal liability shall be investigated for according to law
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金融机构对违反票据法规定的票据，予以承兑、贴现、付款或者保证的，给予警告，没收违法所得，并处违法所得１倍以上３倍以下的罚款，没有违法所得的，处５万元以上３０万元以下的罚款；对该金融机构直接负责的高级管理人员、其他直接负责的主管人员和直接责任人员，给予记大过直至开除的纪律处分；造成资金损失的，对该金融机构直接负责的高级管理人员，给予撤职直至开除的纪律处分；构成对违法票据承兑、付款、保证罪或者其他罪的，依法追究刑事责任。
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