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Regulation of the People's Republic of China on the Administration of Foreign-Funded Banks (2019 Amendment PKULAW Version) [Effective]
中华人民共和国外资银行管理条例(2019修订) [现行有效]
【法宝引证码】

Regulation of the People's Republic of China on the Administration of Foreign-Funded Banks 

中华人民共和国外资银行管理条例

(Issued by Order No. 478 of the State Council of the People's Republic of China on November 11, 2006; amended for the first time according to the Decision of the State Council on Amending Some Administrative Regulations on July 29, 2014; amended for the second time according to the Decision of the State Council on Amending the Regulation of the People's Republic of China on the Administration of Foreign-Funded Banks你怀了我的猴子 on November 27, 2014; and amended for the third time in accordance with the Decision of the State Council to Amend the Regulation of the People's Republic of China on the Administration of Foreign-Funded Insurance Companies and the Regulation of the People's Republic of China on the Administration of Foreign-Funded Banks卡在了奇怪的地方 on September 30, 2019) (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《国务院关于修改〈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)
Chapter I General Provisions 

第一章 总  则

Article 1 This Regulation is developed as required by China's opening up and economic development to strengthen and improve the supervision and administration of foreign-funded banks and promote the steady and sound operation of the banking sector.   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。
Article 2 For the purposes of this Regulation, “foreign-funded banks” includes the following institutions formed upon approval within the territory of the People's Republic of China in accordance with the relevant laws and regulations of the People's Republic of China:   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:
(1) A wholly foreign-funded bank formed by one foreign bank as the sole investor or by one foreign bank and other foreign financial institutions as joint investors. (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;
(2) 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. (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;
(3) A branch of a foreign bank. (三)外国银行分行;
(4) A representative office of a foreign bank. (四)外国银行代表处。
The institutions as listed in items (1) to (3) of the preceding paragraph are hereinafter together referred to as for-profit foreign-funded banks. 前款第一项至第三项所列机构,以下统称外资银行营业性机构。
Article 3 For the purposes of this Regulation, “foreign financial institution” means a financial institution registered outside the People's Republic of China and approved or licensed by the financial regulatory authority of the country or region where it is located.   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。
For the purposes of this Regulation, “foreign bank” means a commercial bank registered outside the People's Republic of China and approved or licensed by the financial regulatory authority of the country or region where it is located. 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。
Article 4 A foreign-funded bank must comply with the laws and regulations of the People's Republic of China, and shall not cause any damage to the national interest or public interest of the People's Republic of China.   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。
The regular activities and lawful rights and interests of foreign-funded banks shall be protected by the law of the People's Republic of China. 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。
Article 5 The banking regulatory authority of the State Council and its local offices (hereinafter together referred to as the “banking regulatory authorities”) shall be responsible for the supervision and administration of foreign-funded banks and their activities. If any other regulatory department or authority conducts the supervision and administration of foreign-funded banks and their activities under any law or administrative regulation, such a law or administrative regulation shall prevail.   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。
Article 6 The banking regulatory authority of the State Council shall, according to the regional economic development strategies and the relevant policies of the state, develop the relevant incentives and guiding measures, and implement them with the approval of the State Council.   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。
Chapter II Formation and Registration 

第二章 设立与登记

Article 7 The formation of foreign-funded banks and their branches shall be subject to the approval of the banking regulatory authorities.   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。
Article 8 The minimum amount of the registered capital of a wholly foreign-funded bank or a Chinese-foreign equity joint venture bank shall be 1 billion yuan yuan or an equivalent in freely convertible currency. The registered capital shall be paid-in capital.   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。
The head office of a wholly foreign-funded bank or a Chinese-foreign equity joint venture bank shall provide, free of charge, a branch formed within the territory of the People's Republic of China with working capital in RMB or freely convertible currency, but the sum of working capital provided for all of its branch offices shall not exceed 60% of the total capital of the head office. 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%。
The head office of a foreign bank shall provide, free of charge, a branch of the foreign bank with operating capital of not less than 200 million yuan or an equivalent in freely convertible currency. 外国银行分行应当由其总行无偿拨给不少于2亿元人民币或者等值的自由兑换货币的营运资金。
The banking regulatory authority of the State Council may, according to the scopes of business of for-profit foreign-funded banks and as needed in prudential supervision, increase the minimum amount of registered capital or operating capital, and prescribe the proportion of RMB therein. 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。
Article 9 A shareholder of a wholly foreign-funded bank or a Chinese-foreign equity joint venture bank to be formed or a foreign bank to form a branch or representative office shall meet the following conditions:   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:
(1) Having sustained profitability, having a good credit standing, and having no record of any serious violation of laws and regulations. (一)具有持续盈利能力,信誉良好,无重大违法违规记录;
(2) In the case of a shareholder of a wholly foreign-funded bank to be formed, a foreign shareholder of a Chinese-foreign equity joint venture bank to be formed, or a foreign bank to form a branch or representative office, having experience in engaging in international financial activities. (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;
(3) Having effective anti-money laundering rules. (三)具有有效的反洗钱制度;
(4) In the case of a shareholder of a wholly foreign-funded bank to be formed, a foreign shareholder of a Chinese-foreign equity joint venture bank to be formed, or a foreign bank to form a branch or representative office, being effectively regulated by the financial regulatory authority of the country or region where it is located, and having obtained an approval of its application from the financial regulatory authority of the country or region where it is located. (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;
(5) Other prudential conditions as prescribed by the banking regulatory authority of the State Council. (五)国务院银行业监督管理机构规定的其他审慎性条件。
The country or region where a shareholder of a wholly foreign-funded bank to be formed, a foreign shareholder of a Chinese-foreign equity joint venture bank to be formed, or a foreign bank to form a branch or representative office is located shall have a sound financial regulatory system, and the financial regulatory authority thereof has established a sound supervision cooperation mechanism with the banking regulatory authority of the State Council. 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。
Article 10 A shareholder of a wholly foreign-funded bank shall be a financial institution. In addition to the conditions as set out in Article 9 of this Regulation, the sole or controlling shareholder thereof shall meet the following conditions:   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:
(1) It is a commercial bank. (一)为商业银行;
(2) Its capital adequacy ratio satisfies the requirements of the financial regulatory authority of the country or region where it is located and the banking regulatory authority of the State Council. (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。
Article 11 Among the shareholders of a Chinese-foreign equity joint venture bank to be formed, in addition to meeting the conditions as set out in Article 9 of this Regulation, a foreign shareholder shall be a financial institution, and the sole or principal foreign shareholder shall also meet the following conditions:   第十一条 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:
(1) It is a commercial bank; (一)为商业银行;
(2) Its capital adequacy ratio satisfies the requirements of the financial regulatory authority of the country or region where it is located and the banking regulatory authority of the State Council. (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。
Article 12 To form a branch, a foreign bank shall, in addition to meeting the conditions as set out in Article 9 of this Regulation, satisfy the requirements of the financial regulatory authority of the country or region where it is located and the banking regulatory authority of the State Council regarding its capital adequacy ratio.   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。
Article 13 Where a foreign bank has formed any for-profit institution within the territory of the People's Republic of China, it shall not form any representative office in addition to the existing representative offices, unless the additional representative office is to be formed in a region which satisfies the regional economic development strategies and the relevant policies of the state.   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。
Where a representative office is restructured into a for-profit institution upon approval, the representative office shall undergo the deregistration formalities as legally required. 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 14 To form a for-profit foreign-funded bank, the applicant shall first apply for formation preparation, and submit the following application materials to the banking regulatory authority at the place where the institution is to be located:   第十四条 设立外资银行营业性机构,应当先申请筹建,并将下列申请资料报送拟设机构所在地的银行业监督管理机构:
(1)A written application, containing the name, location, registered capital or operating capital, and types of business, among others, of the institution to be formed. (一)申请书,内容包括拟设机构的名称、所在地、注册资本或者营运资金、申请经营的业务种类等;
(2)A feasibility study report. (二)可行性研究报告;
(3) The draft bylaws of the wholly foreign-funded bank or the Chinese-foreign equity joint venture bank to be formed. (三)拟设外商独资银行、中外合资银行的章程草案;
(4)A contract signed by all shareholders of the wholly foreign-funded bank or the Chinese-foreign equity joint venture bank to be formed regarding the operation of the bank to be formed. (四)拟设外商独资银行、中外合资银行各方股东签署的经营合同;
(5)The bylaws of each shareholder of the wholly foreign-funded bank or the Chinese-foreign equity joint venture bank to be formed or the bylaws of the foreign bank to form a branch. (五)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章程;
(6) The organizational structure charts of each shareholder of the wholly foreign-funded bank or the Chinese-foreign equity joint venture bank to be formed and the group to which it belongs or the organizational structure charts of the foreign bank to form a branch and the group to which it belongs, a list of principal shareholders, and a list of overseas branch offices and affiliates. (六)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及其所在集团的组织结构图、主要股东名单、海外分支机构和关联企业名单;
(7) The annual reports for the last three years of each shareholder of the wholly foreign-funded bank or the Chinese-foreign equity joint venture bank to be formed or the annual reports for the last three years of the foreign bank to form a branch. (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;
(8)The anti-money laundering rules of each shareholder of the wholly foreign-funded bank or the Chinese-foreign equity joint venture bank to be formed or the anti-money laundering rules of the foreign bank to form a branch. (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;
(9) A photocopy of the business license or financial business permit issued by the financial regulatory authority of the country or region where each shareholder of the wholly foreign-funded bank to be formed, each foreign shareholder of the Chinese-foreign equity joint venture bank to be formed, or the foreign bank to form a branch is located and a written opinion thereof on its application. (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;
(10) Other materials as required by the banking regulatory authority of the State Council. (十)国务院银行业监督管理机构规定的其他资料。
The banking regulatory authority at the place where the institution is to be located shall submit the application materials and its examination opinions to the banking regulatory authority of the State Council in a timely manner. 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。
Article 15 The banking regulatory authority of the State Council shall, within six months of receipt of complete application materials for the formation of a for-profit foreign-funded bank, make a decision to approve or disapprove the application, and notify the applicant in writing of the decision. In the case of disapproval, reasons shall be explained.   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。决定不批准的,应当说明理由。
If, under special circumstances, the banking regulatory authority of the State Council is unable to complete examination and make a decision to approve or disapprove an application during the period prescribed in the preceding paragraph, it may appropriately extend the period of examination, but the applicant shall be notified of the extension in writing, and the extension may not exceed three months. 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。
The applicant shall, on the basis of the approval document for formation preparation, obtain an application form for business opening from the banking regulatory authority at the place where the institution is to be located. 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。
Article 16 The applicant shall complete formation preparation within six months from the day when the application for formation preparation is approved. If the applicant fails to complete the preparatory work within the prescribed period, it shall provide an explanation, and the period may be extended by three months with the approval of the banking regulatory authority at the place where the institution is to be located. If the applicant still fails to complete the preparatory work within the extension, the decision of the banking regulatory authority of the State Council to approve its application for formation preparation shall be invalidated automatically.   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 17 After the preparatory work is completed and passes the acceptance check, the applicant shall submit the completed application form for business opening and the following materials to the banking regulatory authority at the place where the institution is to be located:   第十七条 经验收合格完成筹建工作的,申请人应当将填写好的开业申请表连同下列资料报送拟设机构所在地的银行业监督管理机构:
(1) A name list and resumes of the principal persons in charge of the institution to be formed. (一)拟设机构的主要负责人名单及简历;
(2) Power of attorney to the principal persons in charge of the institution to be formed. (二)对拟任该机构主要负责人的授权书;
(3) A capital verification certification issued by a statutory capital verification agency. (三)法定验资机构出具的验资证明;
(4) Materials on the safety protective measures and other facilities related to business. (四)安全防范措施和与业务有关的其他设施的资料;
(5) In the case of a foreign bank to form a branch, a letter of guarantee issued by the foreign bank to assume liabilities for the taxes and obligations of the branch to be formed. (五)设立分行的外国银行对该分行承担税务、债务的责任保证书;
(6) Other materials as required by the banking regulatory authority of the State Council. (六)国务院银行业监督管理机构规定的其他资料。
The banking regulatory authority at the place where the institution is to be located shall submit the application materials and its examination opinion to the banking regulatory authority of the State Council in a timely manner. 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。
Article 18 The banking regulatory authority of the State Council shall, within two months of receipt of the complete application materials for business opening, make a decision to approve or disapprove the application, and notify the applicant in writing of the decision. In the case of approval, it shall issue a financial business permit to the applicant. In the case of disapproval, reasons shall be explained.   第十八条 国务院银行业监督管理机构应当自收到完整的开业申请资料之日起2个月内,作出批准或者不批准开业的决定,并书面通知申请人。决定批准的,应当颁发金融许可证;决定不批准的,应当说明理由。
Article 19 After a for-profit foreign-funded bank has been formed upon approval, it shall, on the basis of the financial business permit, undergo the registration procedure with the administration for market regulation, and obtain a business license.   第十九条 经批准设立的外资银行营业性机构,应当凭金融许可证向市场监督管理部门办理登记,领取营业执照。
Article 20 To form a representative office of a foreign bank, the applicant shall submit the following application materials to the banking regulatory authority at the place where the representative office is to be located:   第二十条 设立外国银行代表处,应当将下列申请资料报送拟设代表处所在地的银行业监督管理机构:
(1) A written application, containing the name and location, among others, of the representative office to be formed. (一)申请书,内容包括拟设代表处的名称、所在地等;
(2) A feasibility study report. (二)可行性研究报告;
(3) The applicant's bylaws. (三)申请人的章程;
(4) The organizational structure charts of the applicant and the group to which it belongs, a list of principal shareholders, and a list of overseas branch offices and affiliates. (四)申请人及其所在集团的组织结构图、主要股东名单、海外分支机构和关联企业名单;
(5) The applicant's annual reports for the last three years. (五)申请人最近3年的年报;
(6) The anti-money laundering rules of the applicant. (六)申请人的反洗钱制度;
(7) Photocopies of the identification and academic credentials, a resume, and a statement of any non-compliance record of the proposed chief representative of the representative office. (七)拟任该代表处首席代表的身份证明和学历证明的复印件、简历以及拟任人有无不良记录的陈述书;
(8) Power of attorney to the proposed chief representative of the representative office. (八)对拟任该代表处首席代表的授权书;
(9) A photocopy of the business license or financial business permit issued by the financial regulatory authority of the country or region where the applicant is located and a written opinion thereof on its application. (九)申请人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;
(10) Other materials as required by the banking regulatory authority of the State Council. (十)国务院银行业监督管理机构规定的其他资料。
The banking regulatory authority at the place where the representative office is to be located shall submit the application materials and its examination opinion to the banking regulatory authority of the State Council in a timely manner. 拟设代表处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。
Article 21 The banking regulatory authority of the State Council shall, within six months of receipt of complete application materials for the formation of a representative office of a foreign bank, make a decision to approval or disapprove the application, and notify the applicant in writing of the decision. In the case of disapproval, reasons shall be explained. 来自北大法宝  第二十一条 国务院银行业监督管理机构应当自收到设立外国银行代表处完整的申请资料之日起6个月内作出批准或者不批准设立的决定,并书面通知申请人。决定不批准的,应当说明理由。
Article 22 A representative office of a foreign bank shall, after its formation has been approved, undergo the registration procedure with the administration for market regulation on the basis of the approval document, and obtain a registration certificate of a resident representative office of a foreign enterprise.   第二十二条 经批准设立的外国银行代表处,应当凭批准文件向市场监督管理部门办理登记,领取外国企业常驻代表机构登记证。
Article 23 The materials listed in Articles 14, 17, and 20 of this Regulation, except annual reports, shall be accompanied with a Chinese version if they are prepared in a foreign language.   第二十三条 本条例第十四条、第十七条、第二十条所列资料,除年报外,凡用外文书写的,应当附有中文译本。
Article 24 According to the principles of legality, prudence, and continuous operation, a foreign bank may, with the approval of the banking regulatory authority of the State Council, restructure its branch formed within the territory of the People's Republic of China into a wholly foreign-funded bank in which it is the sole investor. The applicant shall, according to the approval conditions, procedures, and application materials prescribed by the banking regulatory authority of the State Council, file an application for forming a wholly foreign-funded bank.   第二十四条 按照合法性、审慎性和持续经营原则,经国务院银行业监督管理机构批准,外国银行可以将其在中华人民共和国境内设立的分行改制为由其单独出资的外商独资银行。申请人应当按照国务院银行业监督管理机构规定的审批条件、程序、申请资料提出设立外商独资银行的申请。
Article 25 A foreign bank may, in the territory of the People's Republic of China, form both a wholly foreign-owned bank and a branch of the foreign bank, or form both a Chinese-foreign equity joint venture bank and a branch of the foreign bank.   第二十五条 外国银行可以在中华人民共和国境内同时设立外商独资银行和外国银行分行,或者同时设立中外合资银行和外国银行分行。
Article 26 The office qualifications of the directors, senior executives, and chief representatives of foreign-funded banks shall satisfy the requirements of the banking regulatory authority of the State Council, and be confirmed by the banking regulatory authority of the State Council.   第二十六条 外资银行董事、高级管理人员、首席代表的任职资格应当符合国务院银行业监督管理机构规定的条件,并经国务院银行业监督管理机构核准。
Article 27 Where a foreign-funded bank falls under any of the following circumstances, it shall be subject to the approval of the banking regulatory authority of the State Council, submit application materials as required, and undergo the relevant registration procedure with the administration for market regulation:   第二十七条 外资银行有下列情形之一的,应当经国务院银行业监督管理机构批准,并按照规定提交申请资料,依法向市场监督管理部门办理有关登记:
(1) Modifying its registered capital or operating capital. (一)变更注册资本或者营运资金;
(2) Modifying its name, business premises, or office places. (二)变更机构名称、营业场所或者办公场所;
(3) Adjusting its scope of business. (三)调整业务范围;
(4) Modifying its shareholders or adjusting the shareholding proportion of its shareholders. (四)变更股东或者调整股东持股比例;
(5) Amending its bylaws. (五)修改章程;
(6) Other circumstances as prescribed by the banking regulatory authority of the State Council. (六)国务院银行业监督管理机构规定的其他情形。
Where a foreign-funded bank replaces any of its directors and senior executives or the chief representative, the office qualification of the proposed director, senior executive, or chief representative shall be reported to the banking regulatory authority of the State Council for confirmation. 外资银行更换董事、高级管理人员、首席代表,应当报经国务院银行业监督管理机构核准其任职资格。
Article 28 Where a wholly foreign-funded bank or a Chinese-foreign equity joint venture bank modifies any of its shareholders, the new shareholder shall meet the conditions for shareholders as set out in Article 9, 10, or 11 of this Regulation.   第二十八条 外商独资银行、中外合资银行变更股东的,变更后的股东应当符合本条例第九条、第十条或者第十一条关于股东的条件。
Chapter III Scope of Business 

第三章 业务范围

Article 29 A wholly foreign-funded bank or a Chinese-foreign equity joint venture bank may, according to the scope of business approved by the banking regulatory authority of the State Council, engage in part or all of the following foreign exchange business and RMB business:   第二十九条 外商独资银行、中外合资银行按照国务院银行业监督管理机构批准的业务范围,可以经营下列部分或者全部外汇业务和人民币业务:
(1) Absorbing public deposits. (一)吸收公众存款;
(2) Granting short-term, medium-term, and long-term loans. (二)发放短期、中期和长期贷款;
(3) Handling acceptance and discount of negotiable instruments. (三)办理票据承兑与贴现;
(4) Issuing and redeeming as an agent and underwriting government bonds. (四)代理发行、代理兑付、承销政府债券;
(5) Buying and selling government bonds and financial bonds, and buying and selling negotiable securities denominated in foreign currencies other than stocks. (五)买卖政府债券、金融债券,买卖股票以外的其他外币有价证券;
(6) Providing letter of credit services and guaranties. (六)提供信用证服务及担保;
(7) Handling domestic and overseas settlements. (七)办理国内外结算;
(8) Buying and selling foreign currencies for its own account or as an agent. (八)买卖、代理买卖外汇;
(9) Bill payment agency and bancassurance. (九)代理收付款项及代理保险业务;
(10) Inter-bank funding. (十)从事同业拆借;
(11) Bank-card business. (十一)从事银行卡业务;
(12) Providing safety-deposit box services. (十二)提供保管箱服务;
(13) Providing credit investigation and consultation services. (十三)提供资信调查和咨询服务;
(14) Other business as approved by the banking regulatory authority of the State Council. (十四)经国务院银行业监督管理机构批准的其他业务。
A wholly foreign-funded bank or a Chinese-foreign equity joint venture bank may, with the approval of the People's Bank of China, engage in the foreign exchange settlement and sale business. 外商独资银行、中外合资银行经中国人民银行批准,可以经营结汇、售汇业务。
Article 30 The branch offices of a wholly foreign-funded bank or a Chinese-foreign equity joint venture bank shall conduct business as authorized by the head office, and their civil liabilities shall be assumed by the head office.   第三十条 外商独资银行、中外合资银行的分支机构在总行授权范围内开展业务,其民事责任由总行承担。
Article 31 A branch of a foreign bank may, according to the scope of business approved by the banking regulatory authority of the State Council, engage in part or all of the following foreign exchange business and the RMB business with clients who are not residents within China:   第三十一条 外国银行分行按照国务院银行业监督管理机构批准的业务范围,可以经营下列部分或者全部外汇业务以及对除中国境内公民以外客户的人民币业务:
(1) Absorbing public deposits. (一)吸收公众存款;
(2) Granting short-term, medium-term, and long-term loans. (二)发放短期、中期和长期贷款;
(3) Handling acceptance and discount of negotiable instruments. (三)办理票据承兑与贴现;
(4) Issuing and redeeming as an agent and underwriting government bonds. (四)代理发行、代理兑付、承销政府债券;
(5) Buying and selling government bonds and financial bonds, and buying and selling negotiable securities denominated in foreign currencies other than stocks. (五)买卖政府债券、金融债券,买卖股票以外的其他外币有价证券;
(6) Providing letter of credit services and guaranties. (六)提供信用证服务及担保;
(7) Handling domestic and overseas settlements. (七)办理国内外结算;
(8) Buying and selling foreign currencies for its own account or as an agent. (八)买卖、代理买卖外汇;
(9) Bill payment agency and bancassurance. (九)代理收付款项及代理保险业务;
(10) Inter-bank funding. (十)从事同业拆借;
(11) Providing safety-deposit box services. (十一)提供保管箱服务;
(12) Providing credit investigation and consultation services. (十二)提供资信调查和咨询服务;
(13) Other business as approved by the banking regulatory authority of the State Council. (十三)经国务院银行业监督管理机构批准的其他业务。
A branch of a foreign bank may absorb term deposits from citizens within China, with each deposit being 500,000 yuan or more. 外国银行分行可以吸收中国境内公民每笔不少于50万元人民币的定期存款。
A branch of a foreign bank may engage in settlement and sale of foreign exchange with the approval of the People's Bank of China. 外国银行分行经中国人民银行批准,可以经营结汇、售汇业务。
Article 32 The civil liabilities of the branches and other branch offices of a foreign bank shall be assumed by the head office of the foreign bank.   第三十二条 外国银行分行及其分支机构的民事责任由其总行承担。
Article 33 A representative office of a foreign bank may engage in liaison, market investigation, consultation, and other not-for-profit activities.   第三十三条 外国银行代表处可以从事与其代表的外国银行业务相关的联络、市场调查、咨询等非经营性活动。
The civil liabilities arising from the conduct of a representative office of a foreign bank shall be assumed by the foreign bank. 外国银行代表处的行为所产生的民事责任,由其所代表的外国银行承担。
Article 34 To engage in any RMB business within the scope of business specified in Article 29 or 31 of this Regulation, a for-profit institution of a foreign-funded bank shall satisfy the prudential requirements of the banking regulatory authority of the State Council.   第三十四条 外资银行营业性机构经营本条例第二十九条或者第三十一条规定业务范围内的人民币业务的,应当符合国务院银行业监督管理机构规定的审慎性要求。
Chapter IV Supervision and Administration 

第四章 监督管理

Article 35 A for-profit foreign-funded bank shall, according to the relevant provisions, develop business rules of the bank, establish and improve risk management and internal control rules, and comply with such rules.   第三十五条 外资银行营业性机构应当按照有关规定,制定本行的业务规则,建立、健全风险管理和内部控制制度,并遵照执行。
Article 36 A for-profit foreign-funded bank shall comply with the national uniform accounting standards and the information disclosure provisions of the banking regulatory authority of the State Council.   第三十六条 外资银行营业性机构应当遵守国家统一的会计制度和国务院银行业监督管理机构有关信息披露的规定。
Article 37 A for-profit foreign-funded bank incurring any external debts shall comply with the relevant provisions of the state.   第三十七条 外资银行营业性机构举借外债,应当按照国家有关规定执行。
Article 38 A for-profit foreign-funded bank shall determine the interest rates for deposits and loans and the various commission fees according to the relevant provisions.   第三十八条 外资银行营业性机构应当按照有关规定确定存款、贷款利率及各种手续费率。
Article 39 To engage in deposit business, a for-profit foreign-funded bank shall pay a deposit reserve according to the provisions of the People's Bank of China.   第三十九条 外资银行营业性机构经营存款业务,应当按照中国人民银行的规定交存存款准备金。
Article 40 A wholly foreign-funded bank or a Chinese-foreign equity joint venture bank shall comply with the liability-asset ratio provisions of the Law of the People's Republic of China on Commercial Banks . If the liability-asset ratio of a wholly foreign-funded bank which is formed by the restructuring of a branch of a foreign bank and in which the foreign bank is the sole investor or the liability-asset ratio of a wholly foreign-funded bank or a Chinese-foreign equity joint venture bank formed before this Regulation comes into force does not satisfy the relevant provisions, it shall satisfy such provisions during the period specified by the banking regulatory authority of the State Council.   第四十条 外商独资银行、中外合资银行应当遵守《中华人民共和国商业银行法》关于资产负债比例管理的规定。外国银行分行变更的由其总行单独出资的外商独资银行以及本条例施行前设立的外商独资银行、中外合资银行,其资产负债比例不符合规定的,应当在国务院银行业监督管理机构规定的期限内达到规定要求。
The banking regulatory authority of the State Council may require a wholly foreign-funded bank or a Chinese-foreign equity joint venture bank with relatively high risks or weak risk management to increase its capital adequacy ratio. 国务院银行业监督管理机构可以要求风险较高、风险管理能力较弱的外商独资银行、中外合资银行提高资本充足率。
Article 41 A for-profit foreign-funded bank shall maintain a bad debt reserve according to the relevant provisions.   第四十一条 外资银行营业性机构应当按照规定计提呆账准备金。
Article 42 A wholly foreign-funded bank or a Chinese-foreign equity joint venture bank shall comply with the corporate governance provisions of the banking regulatory authority of the State Council.   第四十二条 外商独资银行、中外合资银行应当遵守国务院银行业监督管理机构有关公司治理的规定。
Article 43 A wholly foreign-funded bank or a Chinese-foreign equity joint venture bank shall comply with the affiliated transaction provisions of the banking regulatory authority of the State Council.   第四十三条 外商独资银行、中外合资银行应当遵守国务院银行业监督管理机构有关关联交易的规定。
Article 44 A branch of a foreign bank shall hold interest-bearing assets at a certain percentage according to the rules of the banking regulatory authority of the State Council.   第四十四条 外国银行分行应当按照国务院银行业监督管理机构的规定,持有一定比例的生息资产。
Article 45 The ratio between the RMB portion of the sum of the operating capital and reserves, among others, and the RMB risk assets of a branch of a foreign bank shall not be less than 8%.   第四十五条 外国银行分行营运资金加准备金等项之和中的人民币份额与其人民币风险资产的比例不得低于8%。
Where a foreign bank's capital adequacy ratio continuously satisfies the requirements of the financial regulatory authority of the country or region where it is located and the banking regulatory authority of the State Council, the branches of the foreign bank shall not be subject to the provision of the preceding paragraph. 资本充足率持续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规定的外国银行,其分行不受前款规定的限制。
The banking regulatory authority of the State Council may require a branch of a foreign bank with relatively high risks or weak risk management to increase the ratio in the paragraph 1 of this Article. 国务院银行业监督管理机构可以要求风险较高、风险管理能力较弱的外国银行分行提高本条第一款规定的比例。
Article 46 A branch of a foreign bank shall ensure the liquidity of its assets. The ratio between the balance of current assets and the balance of current liabilities shall not be less than 25%.   第四十六条 外国银行分行应当确保其资产的流动性。流动性资产余额与流动性负债余额的比例不得低于25%。
Article 47 The balance of domestic assets in home and foreign currencies of a branch of a foreign bank shall not be less than its balance of domestic liabilities in home and foreign currencies.   第四十七条 外国银行分行境内本外币资产余额不得低于境内本外币负债余额。
Article 48 For a foreign bank which has formed 2 or more branches within the territory of the People's Republic of China, it shall authorize one of them to conduct unified management of other branches.   第四十八条 在中华人民共和国境内设立2家及2家以上分行的外国银行,应当授权其中1家分行对其他分行实施统一管理。
The banking regulatory authority of the State Council shall supervise and administer the branches formed by a foreign bank within the territory of the People's Republic of China on a consolidated basis. 国务院银行业监督管理机构对外国银行在中华人民共和国境内设立的分行实行合并监管。
Article 49 A for-profit foreign-funded bank shall, according to the relevant provisions of the banking regulatory authority of the State Council, report to the banking regulatory authority at the place where it is located the cross-border movement of high-value funds and transfer of assets.   第四十九条 外资银行营业性机构应当按照国务院银行业监督管理机构的有关规定,向其所在地的银行业监督管理机构报告跨境大额资金流动和资产转移情况。
Article 50 The banking regulatory authority of the State Council may, according to the risk status of a for-profit foreign-funded bank, take special regulatory measures, such as ordering it to suspend certain business, ordering it to dismiss and replace a senior executive.   第五十条 国务院银行业监督管理机构根据外资银行营业性机构的风险状况,可以依法采取责令暂停部分业务、责令撤换高级管理人员等特别监管措施。
Article 51 A for-profit foreign-funded bank shall engage an accounting firm legally formed within the territory of the People's Republic of China to audit its financial accounting reports, and report to the banking regulatory authority at the place where it is located. If it dismisses the accounting firm, reasons shall be explained.   第五十一条 外资银行营业性机构应当聘请在中华人民共和国境内依法设立的会计师事务所对其财务会计报告进行审计,并应当向其所在地的银行业监督管理机构报告。解聘会计师事务所的,应当说明理由。
Article 52 A for-profit foreign-funded bank shall submit financial accounting reports and statements and other relevant materials to the banking regulatory authorities according to the relevant provisions.   第五十二条 外资银行营业性机构应当按照规定向银行业监督管理机构报送财务会计报告、报表和有关资料。
The representative office of a foreign-funded bank shall submit materials to the banking regulatory authorities according to the relevant provisions. 外国银行代表处应当按照规定向银行业监督管理机构报送资料。
Article 53 Foreign-funded banks shall accept the supervisory inspection legally conducted by the banking regulatory authorities, and shall not refuse or obstruct such inspection.   第五十三条 外资银行应当接受银行业监督管理机构依法进行的监督检查,不得拒绝、阻碍。
Article 54 A wholly foreign-funded fund or a Chinese-foreign equity joint venture bank shall have independent internal control, risk management, financial accounting, and computer information management systems.   第五十四条 外商独资银行、中外合资银行应当设置独立的内部控制系统、风险管理系统、财务会计系统、计算机信息管理系统。
Article 55 The chairman of the board of directors or a senior executive of a wholly foreign-owned bank or a Chinese-foreign equity joint venture bank formed in the territory of the People's Republic of China by a foreign bank shall not concurrently serve as a senior executive of a branch of the foreign bank, and vice versa.   第五十五条 外国银行在中华人民共和国境内设立的外商独资银行、中外合资银行的董事长、高级管理人员和外国银行分行的高级管理人员不得相互兼职。
Article 56 The transactions between a wholly foreign-owned bank or a Chinese-foreign equity joint venture bank formed in the territory of the People's Republic of China by a foreign bank and a branch of the foreign bank must be conducted under commercial principles, and the transaction conditions shall not be more favorable than those for non-affiliates. A foreign bank shall provide full guaranty for a monetary transaction between a wholly foreign-owned bank and a branch of the foreign bank formed in the territory of the People's Republic of China by the foreign bank.   第五十六条 外国银行在中华人民共和国境内设立的外商独资银行、中外合资银行与外国银行分行之间进行的交易必须符合商业原则,交易条件不得优于与非关联方进行交易的条件。外国银行对其在中华人民共和国境内设立的外商独资银行与外国银行分行之间的资金交易,应当提供全额担保。
Article 57 A representative office of a foreign bank and its staff members may not engage in any form of for-profit activities.   第五十七条 外国银行代表处及其工作人员,不得从事任何形式的经营性活动。
Chapter V Termination and Liquidation 

第五章 终止与清算

Article 58 Where a for-profit foreign-funded bank voluntarily terminates its business activities, it shall, 30 days before the termination of its business activities, file a written application with the banking regulatory authority of the State Council. Upon approval, it shall be dissolved or closed down and liquidated.   第五十八条 外资银行营业性机构自行终止业务活动的,应当在终止业务活动30日前以书面形式向国务院银行业监督管理机构提出申请,经审查批准予以解散或者关闭并进行清算。
Article 59 Where a for-profit foreign-funded bank has had or may have a credit crisis, seriously damaging the lawful rights and interests of depositors and other clients, the banking regulatory authority of the State Council may receive the for-profit foreign-funded bank or enforce a restructuring according to the law.   第五十九条 外资银行营业性机构已经或者可能发生信用危机,严重影响存款人和其他客户合法权益的,国务院银行业监督管理机构可以依法对该外资银行营业性机构实行接管或者促成机构重组。
Article 60 Where a for-profit foreign-funded bank is terminated for dissolution, closedown, abolition according to the law, or declaration of bankruptcy, it shall be liquidated in accordance with the relevant laws and regulations of the People's Republic of China.   第六十条 外资银行营业性机构因解散、关闭、依法被撤销或者宣告破产而终止的,其清算的具体事宜,依照中华人民共和国有关法律、法规的规定办理。
Article 61 After the liquidation of a for-profit foreign-funded bank is concluded, the bank shall undergo the deregistration procedure with the original registration authority within the statutory time limit.   第六十一条 外资银行营业性机构清算终结,应当在法定期限内向原登记机关办理注销登记。
Article 62 Where a representative office of a foreign bank voluntarily terminates its activities, it shall be closed down with the approval of the banking regulatory authority of the State Council, and, within the statutory time limit, undergo the deregistration procedure with the original registration authority.   第六十二条 外国银行代表处自行终止活动的,应当经国务院银行业监督管理机构批准予以关闭,并在法定期限内向原登记机关办理注销登记。
Chapter VI Legal Liability 

第六章 法律责任

Article 63 Where a foreign-funded bank is formed without the approval of the banking regulatory authority of the State Council or anyone illegally engages in the business of a banking financial institution, the bank or the illegal operation shall be banned by the banking regulatory authority of the State Council, and, within five years from the date of the ban, the banking regulatory authority of the State Council shall not accept any application of the violator for the formation of a foreign-funded bank. If any crime is constituted, the offender shall be subject to criminal liability. If no crime is constituted, any illegal income shall be confiscated by the banking regulatory authority of the State Council. If the amount of illegal income is 500,000 yuan or more, the violator shall be fined 1 up to 5 times the amount of the illegal income. If there is no illegal income or the amount of illegal income is less than 500,000 yuan, the violator shall be fined not less than 500,000 yuan but not more than 2 million yuan.   第六十三条 未经国务院银行业监督管理机构审查批准,擅自设立外资银行或者非法从事银行业金融机构的业务活动的,由国务院银行业监督管理机构予以取缔,自被取缔之日起5年内,国务院银行业监督管理机构不受理该当事人设立外资银行的申请;构成犯罪的,依法追究刑事责任;尚不构成犯罪的,由国务院银行业监督管理机构没收违法所得,违法所得50万元以上的,并处违法所得1倍以上5倍以下罚款;没有违法所得或者违法所得不足50万元的,处50万元以上200万元以下罚款。
Article 64 Where a for-profit foreign-funded bank falls under any of the following circumstances, the banking regulatory authority of the State Council shall order it to take corrective actions, and confiscate its illegal income. If the amount of illegal income is 500,000 yuan or more, it shall be fined 1 up to 5 times the amount of illegal income. If there is no illegal income or the amount of illegal income is less than 500,000 yuan, it shall be fined not less than 500,000 but not less than 2 million yuan. If the circumstances are especially serious or it fails to take corrective actions during the specified period, it shall be ordered to cease business operations for rectification, or its financial business permit shall be revoked. If any crime is constituted, the offender shall be subject to criminal liability:   第六十四条 外资银行营业性机构有下列情形之一的,由国务院银行业监督管理机构责令改正,没收违法所得,违法所得50万元以上的,并处违法所得1倍以上5倍以下罚款;没有违法所得或者违法所得不足50万元的,处50万元以上200万元以下罚款;情节特别严重或者逾期不改正的,可以责令停业整顿或者吊销其金融许可证;构成犯罪的,依法追究刑事责任:
(1) Forming any branch office without approval. (一)未经批准设立分支机构的;
(2) Undergoing any modification or being terminated without approval. (二)未经批准变更、终止的;
(3) Illegally engaging in any business activity without approval. (三)违反规定从事未经批准的业务活动的;
(4) Increasing or decreasing deposit or loan interest rates by violating the relevant provisions. (四)违反规定提高或者降低存款利率、贷款利率的。
Article 65 Where a foreign-funded bank falls under any of the following circumstances, it shall be ordered by the banking regulatory authority of the State Council to take corrective actions, and be fined not less than 200,000 yuan but not more than 500,000 yuan. If the circumstances are especially serious or it fails to take corrective actions during the specified period, it may be ordered to cease business operations for rectification, its financial business permit may be revoked, or the representative office may be abolished. If any crime is constituted, the offender shall be subject to criminal liability:   第六十五条 外资银行有下列情形之一的,由国务院银行业监督管理机构责令改正,处20万元以上50万元以下罚款;情节特别严重或者逾期不改正的,可以责令停业整顿、吊销其金融许可证、撤销代表处;构成犯罪的,依法追究刑事责任:
(1) Failing to comply with the information disclosure provisions. (一)未按照有关规定进行信息披露的;
(2) Refusing or obstructing the supervisory inspection legally conducted by the banking regulatory authorities. (二)拒绝或者阻碍银行业监督管理机构依法进行的监督检查的;
(3) Providing financial accounting reports and statements or relevant materials which contain any false information or conceal any important facts. (三)提供虚假的或者隐瞒重要事实的财务会计报告、报表或者有关资料的;
(4) Concealing, damaging, or destroying any documents, certificates, account books, electronic data, or other materials necessary for the supervisory inspection. (四)隐匿、损毁监督检查所需的文件、证件、账簿、电子数据或者其他资料的;
(5) Failing to undergo the office qualification confirmation procedure in the appointment of any director, senior executive, or chief representative. (五)未经任职资格核准任命董事、高级管理人员、首席代表的;
(6) Refusing to comply with the special regulatory measures as mentioned in Article 50 of this Regulation. (六)拒绝执行本条例第五十条规定的特别监管措施的。
Article 66 Where, in violation of this Regulation, a for-profit foreign-funded bank fails to submit its financial accounting reports and statements or relevant materials as scheduled, or fails to develop the relevant business rules or establish and improve the relevant management rules according to the relevant provisions, it shall be ordered by the banking regulatory authority of the State Council to take corrective actions during a specified period; and if it fails to do so, it shall be fined not less than 100,000 yuan but not more than 300,000 yuan.   第六十六条 外资银行营业性机构违反本条例有关规定,未按期报送财务会计报告、报表或者有关资料,或者未按照规定制定有关业务规则、建立健全有关管理制度的,由国务院银行业监督管理机构责令限期改正;逾期不改正的,处10万元以上30万元以下罚款。
Article 67 Where a for-profit foreign-funded bank conducts business in violation of the relevant provisions of Chapter IV of this Regulation or seriously violates any other prudential operation rules, it shall be ordered by the banking regulatory authority of the State Council to take corrective actions, and be fined not less than 200,000 yuan but not more than 500,000 yuan. If the circumstances are especially serious or it fails to take corrective actions during the specified period, it may be ordered to cease business operations for rectification, or its financial business permit may be revoked.   第六十七条 外资银行营业性机构违反本条例第四章有关规定从事经营或者严重违反其他审慎经营规则的,由国务院银行业监督管理机构责令改正,处20万元以上50万元以下罚款;情节特别严重或者逾期不改正的,可以责令停业整顿或者吊销其金融许可证。
Article 68 Where a for-profit foreign-funded bank violates the provisions of this Regulation, in addition to the punishment in Articles 63 to 67 of this Regulation, the banking regulatory authority of the State Council may take the following measures if applicable:   第六十八条 外资银行营业性机构违反本条例规定,国务院银行业监督管理机构除依照本条例第六十三条至第六十七条规定处罚外,还可以区别不同情形,采取下列措施:
(1) The for-profit foreign-funded bank may be ordered to dismiss and replace the directly liable directors and senior executive and other directly liable persons. (一)责令外资银行营业性机构撤换直接负责的董事、高级管理人员和其他直接责任人员;
(2) If the conduct of the for-profit foreign-funded bank does not constitute a crime, the directly liable directors and senior executives and other directly liable persons may be warned and fined not less than 50,000 yuan but not more than 500,000 yuan. (二)外资银行营业性机构的行为尚不构成犯罪的,对直接负责的董事、高级管理人员和其他直接责任人员给予警告,并处5万元以上50万元以下罚款;
(3) The directly liable directors and senior executives may be disqualified from taking any offices within the territory of the People's Republic of China for a specified period or even for life, the directly liable directors and senior executive and other directly liable persons may be prohibited from working in the banking sector within the territory of the People's Republic of China for a specified period or even for life. (三)取消直接负责的董事、高级管理人员一定期限直至终身在中华人民共和国境内的任职资格,禁止直接负责的董事、高级管理人员和其他直接责任人员一定期限直至终身在中华人民共和国境内从事银行业工作。
Article 69 Where a representative office of a foreign bank engages in any for-profit business in violation of this Regulation, the banking regulatory authority of the State Council shall order it to take corrective actions, issue a warning to it, and confiscate its illegal income. If the amount of illegal income is 500,000 yuan or more, it shall be fined 1 up to 5 times the amount of illegal income. If there is no illegal income or the amount of illegal income is less than 500,000 yuan, it shall be fined not less than 500,000 yuan but not more than 2 million yuan. If the circumstances are serious, it shall be abolished by the banking regulatory authority of the State Council. If any crime is constituted, the offender shall be subject to criminal liability.   第六十九条 外国银行代表处违反本条例规定,从事经营性活动的,由国务院银行业监督管理机构责令改正,给予警告,没收违法所得,违法所得50万元以上的,并处违法所得1倍以上5倍以下罚款;没有违法所得或者违法所得不足50万元的,处50万元以上200万元以下罚款;情节严重的,由国务院银行业监督管理机构予以撤销;构成犯罪的,依法追究刑事责任。
Article 70 Where a representative office of a foreign bank falls under any of the following circumstances, the banking regulatory authority of the State Council shall order it to take corrective actions, issue a warning to it, and impose a fine of not less than 100,000 yuan but not more than 300,000 yuan on it. If the circumstances are serious, its chief representative shall be disqualified from taking any offices within the territory of the People's Republic of China for a specified period, or the foreign bank represented shall be ordered to dismiss and replace the chief representative. If the circumstances are especially serious, it shall be abolished by the banking regulatory authority of the State Council:   第七十条 外国银行代表处有下列情形之一的,由国务院银行业监督管理机构责令改正,给予警告,并处10万元以上30万元以下罚款;情节严重的,取消首席代表一定期限在中华人民共和国境内的任职资格或者要求其代表的外国银行撤换首席代表;情节特别严重的,由国务院银行业监督管理机构予以撤销:
(1) Modifying its office place without approval. (一)未经批准变更办公场所的;
(2) Failing to submit materials to the banking regulatory authority of the State Council as required. (二)未按照规定向国务院银行业监督管理机构报送资料的;
(3) Violating any other provisions of this Regulation or the banking regulatory authority of the State Council. (三)违反本条例或者国务院银行业监督管理机构的其他规定的。
Article 71 Where a foreign-funded bank violates any other law or regulation of the People's Republic of China, it shall be handled by the relevant competent authority according to the law.   第七十一条 外资银行违反中华人民共和国其他法律、法规的,由有关主管机关依法处理。
Chapter VII Supplementary Provisions 

第七章 附  则

Article 72 This Regulation shall apply, mutatis mutandis, to the banking institutions formed in the mainland by financial institutions from the Hong Kong Special Administrative Region, the Macao Special Administrative Region, and the Taiwan region, except as otherwise specified by the State Council.   第七十二条 香港特别行政区、澳门特别行政区和台湾地区的金融机构在内地(大陆)设立的银行机构,比照适用本条例。国务院另有规定的,依照其规定。
Article 73 This Regulation shall come into force on December 11, 2006, and the Regulation of the People's Republic of China on the Administration of Foreign-Funded Financial Institutions issued by the State Council on December 20, 2001, shall be repealed concurrently.   第七十三条 本条例自2006年12月11日起施行。2001年12月20日国务院公布的《中华人民共和国外资金融机构管理条例》同时废止。
     
     
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