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Provisional Regulations of the People's Republic of China on the Control of Banks [Expired]
中华人民共和国银行管理暂行条例 [失效]
【法宝引证码】

 

PROVISIONAL REGULATIONS OF THE PEOPLE'S REPUBLIC OF CHINAON THE CONTROL OF BANKS 

中华人民共和国银行管理暂行条例


(Promulgated on January 7,1986 by the State Council)
 
(一九八六年一月七日国务院发布)


 

CHAPTER I GENERAL PROVISIONS 

第一章 总  则


 
Article 1. These Regulations are formulated in order to strengthen controlover banks and other financial institutions, ensure the healthy development offinancial services and promote the establishment of socialist modernisation.  第一条 为了加强对银行和其他金融机构的管理,保证金融事业的健康发展,促进社会主义现代化建设,特制定本条例。

 
Article 2. All banks and other financial institutions carrying on businesssuch as deposits, loans, personal savings, discounting of bills, foreignexchange, settlement of accounts, trusts, investments, financial leasing andfloating of securities, shall comply with the provisions of these Regulations.  第二条 凡经营存款、贷款、个人储蓄、 票据贴现、 外汇、结算、信托、投资、金融租赁、代募证券等项业务的银行和其他金融机构,都应当遵守本条例的规定。

 
Article 3. The central bank, specialised banks, and other financialinstitutions shall conscientiously and thoroughly carry out national financialpolicies. All their financial activities shall be directed towards developingthe economy, stabilising the currency, and increasing the economic benefits ofsocialism.  第三条 中央银行 、专业银行和其他金融机构 ,都应当认真贯彻执行国家的金融方针政策;其金融业务活动,都应当以发展经济、稳定货币、提高社会经济效益为目标。

 
Article 4. Institutions other than financial institutions are prohibited fromcarrying on financial business.  第四条 禁止非金融机构经营金融业务。

 
CHAPTER II THE CENTRAL BANK 

第二章 中央银行


 
Article 5. The People's Bank of China is the State organ through which theState Council leads and controls the fiscal affairs of the nation, and is thecentral bank of the State, and shall carry out in full the following duties:  第五条 中国人民银行是国务院领导和管理全国金融事业的国家机关 , 是国家的中央银行,应当全面履行下列职责:

 
(1) Research and draw up national guidelines and policies for financialactivities, and arrange for their implementation after approval; 一、研究拟订全国金融工作的方针、政策,报经批准后组织实施;

 
(2) Research and draw up draft financial legislation; 二、研究拟订金融法规草案;

 
(3) Formulate the basic regulations for financial business; 三、制定金融业务基本规章;

 
(4) Control the issuing of currency, regulate currency circulation, andmaintain currency stability; 四、掌管货币发行,调节货币流通,保持货币稳定;

 
(5) Control interest rates on deposits and loans, and set the rate ofexchange between renminbi and foreign currencies; 五、管理存款、贷款利率,制定人民币对外国货币的比价;

 
(6) Devise State credit plans, exercise centralized control over creditfunds, and exercise uniform control over the working capital of Stateenterprises; 六、编制国家信贷计划,集中管理信贷资金,统一管理国营企业流动资金;

 
(7) Control foreign exchange, bullion, and the State foreign exchange andgold reserves; 七、管理外汇、金银和国家外汇储备、黄金储备;

 
(8) Examine and approve the establishment and dismantling and merger ofspecialised banks and financial agencies; 八、审批专业银行和其他金融机构的设置或撤并;

 
(9) Lead, control, co-ordinate, supervise, and inspect the operations ofspecialised banks and other financial institutions; 九、领导、管理、协调、监督、稽核专业银行和其他金融机构的业务工作;

 
(10) manage the State Treasury, and issue government bonds on its behalf; 十、经理国库,代理发行政府债券;

 
(11) Control the shares, bonds and other securities of enterprises, andcontrol the money market; 十一、管理企业股票、债券等有价证券,管理金融市场;

 
(12) Engage in relevant international financial activities on behalf of thegovernment. 十二、代表政府从事有关的国际金融活动。

 
Article 6. In accordance with the provisions of the State laws andadministrative regulations, the People's Bank of China shall control theState's insurance enterprises.  第六条 中国人民银行按照国家法律、行政法规的规定,管理全国的保险企业。

 
Article 7. The People's Bank of China shall establish a council to be theprincipal policy-making body of the head office.  第七条 中国人民银行设理事会,为总行决策机构。

The principal functions of thecouncil shall be as follows:
 
理事会的主要任务如下:

 
(1) To examine and consider financial guidelines and policy; 一、审议金融方针、政策问题;

 
(2) To examine and consider important matters relating to annual State creditplans, cash plans and foreign exchange plans; 二、审议年度国家信贷计划、现金计划和外汇计划的有关重大问题;

 
(3) To define principles for the establishment, dismantling and merger andthe allocation of functions among specialised banks and financial institutions; 三、确定专业银行和其他金融机构的设置、撤并、业务分工的原则;

 
(4) To investigate other important matters concerning the overall financialsituation. 四、研究涉及金融全局的其他重要事项。

 
Article 8. The People's Bank of China shall establish branches andsub-branches in accordance with the requirements of economic development.  第八条 中国人民银行根据经济发展需要,设立分支机构。

Each branch and sub-branch of the People's Bank of China shall carry out dutiesrelevant to the People's Bank of China in its area of jurisdiction, exercisingleadership and control over financial affairs in that area of jurisdiction.
 
中国人民银行的分支机构,在各自辖区内,履行中央银行的有关职责,具体领导和管理本辖区的金融事业。

 
Article 9. The People's Bank of China shall provide services to specialisedbanks and other financial institutions in such areas as allocation of funds,co-ordination of functions, provision of information, development and trainingof personnel and assist in the development of their operating capacity.  第九条 中国人民银行应当在资金调度、工作协调、信息提供、人才培养等方面,为专业银行和其他金融机构服务,支持其发展业务。

 
Article 10. The head office and branches and sub-branches of the People'sBank of China shall be responsible for conciliation and arbitration in anybusiness disputes occurring between specialised banks and other financialinstitutions.  第十条 中国人民银行总行及其分支机构,负责协调、仲裁专业银行、其他金融机构之间业务方面发生的分歧。

 
Article 11. The People's Bank of China shall not directly accept depositsfrom or provide loans to enterprises or individuals.  第十一条 中国人民银行不对企业、个人直接办理存款、贷款业务。

 
CHAPTER III SPECIALISED BANKS 

第三章 专业银行


 
Article 12. In accordance with the requirements of national economicdevelopment, the State shall establish a number of specialised banks. Eachspecialised bank shall, according to its specified scope of business, operatedeposits, loans, settlement of accounts, personal savings deposits, etc., innational and foreign currencies.  第十二条 国家根据国民经济发展的需要,设立若干专业银行。各专业银行按照规定的业务范围,分别经营本、外币的存款、贷款、结算以及个人储蓄存款等业务。

 
Article 13. All specialised banks shall be independently accountable economicentities and shall independently exercise their official powers and engage inbusiness activities in accordance with the provisions of the State laws andregulations.  第十三条 专业银行都是独立核算的经济实体,按照国家法律、行政法规的规定,独立行使职权,进行业务活动。

 
Article 14. Specialised banks shall carry out the following basic duties:  第十四条 专业银行应当履行下列基本职责:

 
(1) Formulate specific operational systems and procedures in accordance withthe basic regulations for financial business; 一、根据金融业务基本规章,制定具体业务制度、办法;

 
(2) Make decisions on loans to enterprises in accordance with State policyand State plans; 二、按照国家政策和国家计划,决定对企业的贷款;

 
(3) Vary interest rates within prescribed limits; 三、在规定范围内实行利率浮动;

 
(4) Be responsible for movement of funds within their own systems; 四、负责本系统的资金调度;

 
(5) Carry out supervision of credit and supervision of settlements ofaccounts; 五、实行信贷监督和结算监督;

 
(6) Exercise cash control in regard to account-holding units, in accordancewith State provisions; 六、按照国家规定对开户单位实行现金管理;

 
(7) Carry out supervision of pay-roll funds of account-holding units, inaccordance with State regulations; 七、按照国家规定对开户单位实行工资基金监督;

 
(8) Subject to authorisation by the People's Bank of China, control theworking capital of State enterprises; 八、根据中国人民银行授权管理国营企业流动资金;

 
(9) In accordance with regulations, hold and dispose of retained profits; 九、按照规定拥有和支配利润留成资金;

 
(10) With the approval of the State Council or the head office of thePeople's Bank of China, engage in relevant international financial businessactivities. 十、经国务院或中国人民银行总行批准,从事有关国际金融业务活动。

 
Article 15. Branches and sub-branches established by specialised banks shallcomply with the following requirements:  第十五条 专业银行设立分支机构,应当具备下列条件:

 
(1) They shall accord precisely with the requirements of economicdevelopment, and shall have operational capacity commensurate with their scale; 一、确属经济发展需要,具有同其规模相适应的业务量;

 
(2) They shall conform with the limits of their allocated scope of business; 二、符合业务分工范围;

 
(3) They shall have personnel qualified in financial operations andadministration; 三、具有合格的金融业务管理人员;

 
(4) They shall conform with economic accounting principles. 四、符合经济核算原则。

Head offices of specialised banks shall exercise vertical leadership oversubordinate branches and sub-branches.
 
专业银行总行对所属分支机构,实行垂直领导。

 
Article 16. Head offices of specialised banks shall submit the followingmatters to the head office of the People's Bank of China for examination andapproval:  第十六条 专业银行总行的下列事项,应当报经中国人民银行总行审批:

 
(1) Matters of business guidelines and policy falling within the scope ofArticle 5, paragraph one, item (1) of these Regulations; 一、涉及本条例第五条第一款第一项范围的业务方针、政策的事项;

 
(2) Matters outside the allocated scope of business; 二、超出规定的业务分工范围的事项;

 
(3) Codes of business regulations falling outside current basic regulationsfor financial business, or involving other specialised banks, requiring uniformregulations; 三、超出现行金融业务基本规章,或者涉及其他专业银行,需要统一规定的业务规章制度;

 
(4) Formulation and amendment of articles of association; 四、组织章程的制订和修改;

 
(5) Establishment of branches abroad. 五、在境外设立分支机构。

Items in the above paragraphs falling outside the scope of responsibility andjurisdiction of the central bank as prescribed in these Regulations shall allbe submitted by the head office of the People's Bank of China to the StateCouncil for examination and approval.
 
前款事项,超出本条例规定的中央银行职责权限范围的,统一由中国人民银行总行报请国务院审批。

 
Article 17. The following matters pertaining to branches and sub-branches ofspecialised banks shall be submitted to provincial branches of the People'sBank of China for examination and approval:  第十七条 专业银行分支机构的下列事项,应当报经中国人民银行省级分行审批:

 
(1) Important business regulations formulated in the light of specificconditions in local areas of jurisdiction; 一、结合本辖区具体情况制订的重要业务规定;

 
(2) Major changes in the channelling of credit funds; 二、信贷资金投向的重大变动;

 
(3) Matters involving other specialised banks in the same area ofjurisdiction, requiring a uniformly prescribed system of business regulations. 三、涉及本辖区其他专业银行,需要统一规定的业务规章制度。

 
Article 18. Specialised banks shall, in accordance with provisions, providethe People's Bank of China with reports on the performance of credit plans,statistical reports, financial reports, and operational reports.  第十八条 专业银行应当按照规定向中国人民银行报送信贷计划执行情况、统计报表、会计报表和业务报告。

 

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