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| Order of the State Council of the People's Republic of China (No.340) | | 中华人民共和国国务院令 |
The Regulations of the People's Republic of China on the Administration of Foreign-Funded Financial Institutions has been adopted at the 50th Executive Meeting of the State Council on December 12, 2001 and is hereby promulgated, and shall come into force on February 1, 2002. | |
（第３４０号） |
Premier Zhu Rongji | |
《中华人民共和国外资金融机构管理条例》已经２００１年１２月１２日国务院第５０次常务会议通过，现予公布，自２００２年２月１日起施行。 |
December 12, 2001 | |
总理 朱镕基 |
Regulations of the People's Republic of China on the Administration of Foreign-Funded Financial Institutions | |
二００一年十二月二十日 |
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中华人民共和国外资金融机构管理条例 |
| Chapter 1 General Provisions | |
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| | 第一章 总则 |
| Article 1 These Regulations have been formulated with a view to strengthening and perfecting the administration of foreign-funded financial institutions in China and promoting the steady operation of the banking industry to meet the demands arising from the work of opening to the outside world and economic development. | |
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| | 第一条 为了适应对外开放和经济发展的需要，加强和完善对外资金融机构的管理，促进银行业的稳健运行，制定本条例。 |
| Article 2 The term "foreign-funded financial institutions" mentioned in the regulations is referred to the following institutions which have been approved to be established to operate within the territory of China according to the relevant laws and regulations of the People's Republic of China. | |
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| | 第二条 本条例所称外资金融机构，是指依照中华人民共和国有关法律、法规的规定，经批准在中国境内设立和营业的下列金融机构： |
| 1. Foreign banks whose headquarters are within the territory of China (hereinafter referred to as solely foreign-funded banks); | |
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| | （一）总行在中国境内的外国资本的银行（以下简称独资银行）； |
| 2. Branches of foreign banks within the territory of China (hereinafter referred to as branches of foreign banks); | |
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| | （二）外国银行在中国境内的分行（以下简称外国银行分行）； |
| 3. Joint venture banks within the territory of China established jointly by foreign financial institutions and Chinese companies and enterprises (hereinafter referred to as joint venture banks); | |
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| | （三）外国的金融机构同中国的公司、企业在中国境内合资经营的银行（以下简称合资银行）； |
| 4.Foreign financial companies whose headquarters are within the territory of China (hereinafter referred to as solely foreign-funded financial companies); | |
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| | （四）总公司在中国境内的外国资本的财务公司（以下简称独资财务公司）； |
| 5.Joint venture financial companies established jointly by foreign financial institutions and Chinese companies and enterprises (hereinafter referred to as joint venture financial companies). | |
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| | （五）外国的金融机构同中国的公司、企业在中国境内合资经营的财务公司（以下简称合资财务公司）。 |
| Article 3 Foreign-funded financial institutions shall abide by the laws and regulations of the People's Republic of China and shall not do harm to the social and public interests of the People's Republic of China. | |
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The normal operations and legitimate rights and interests of foreign-funded financial institutions shall be protected by the laws of the People's Republic of China. | | 第三条 外资金融机构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社会公共利益。 |
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外资金融机构的正当经营活动和合法权益受中华人民共和国法律保护。 |
| Article 4 The People's Bank of China is the organization that is in charge of the administration and supervision of foreign-funded financial institutions; the branches of the People's Bank of China shall undertake the routine administration and supervision of the foreign-funded financial institutions in their respective areas. | |
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| | 第四条 中国人民银行是管理和监督外资金融机构的主管机关；中国人民银行分支机构对本辖区外资金融机构进行日常监督管理。 |
| Chapter 2 Establishment and Registration | | 第二章 设立与登记 |
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| Article 5 The minimum limit of registered capital for solely foreign-funded banks and joint venture banks shall be convertible foreign currencies on a par with RMB300 million; the minimum limit of registered capital for solely foreign-funded financial companies and joint venture financial companies shall be convertible foreign currencies on a par with RMB200 million. The registered capital shall be the paid-in capital. . | | 第五条 独资银行、合资银行的注册资本最低限额为３亿元人民币等值的自由兑换货币。独资财务公司、合资财务公司的注册资本最低限额为２亿元人民币等值的自由兑换货币。注册资本应当是实缴资本。 |
The working capital of branches of foreign banks provided by their head offices shall be no less than convertible foreign currencies on a par with RMB100 million. | |
外国银行分行应当由其总行无偿拨给不少于１亿元人民币等值的自由兑换货币的营运资金。 |
The People's Bank of China may, according to the needs of the business scope of foreign-funded financial institutions and the prudent supervision, raise the minimum limit of registered capital or working capital thereof, and prescribe the proportion of Renmingbi thereof. | |
中国人民银行根据外资金融机构的业务范围和审慎监管的需要，可以提高其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。 |
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| Article 6 In applying for the establishment of a solely foreign-funded bank or a solely foreign-funded financial company, the applicant must be qualified as: | | 第六条 设立独资银行或者独资财务公司，申请人应当具备下列条件： |
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| 1. a financial institution; | | （一）申请人为金融机构； |
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| 2. having a representative office in China for at least two years; | | （二）申请人在中国境内已经设立代表机构２年以上； |
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| 3. having a total assets of no less than US$10 billion at the end of the year before the application is filed; | | （三）申请人提出设立申请前１年年末总资产不少于１００亿美元； |
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| 4. having a complete financial supervision and control system in the country or region where it is located, and to have been effectively supervised and controlled by the relevant competent authorities of the country or region where it is located; | | （四）申请人所在国家或者地区有完善的金融监督管理制度，并且申请人受到所在国家或者地区有关主管当局的有效监管； |
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| 5. having obtained approval for its application from the relevant competent authorities of the country or region where it is located; | | （五）申请人所在国家或者地区有关主管当局同意其申请； |
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| 6. having other prudent conditions prescribed by the People's Bank of China. | | （六）中国人民银行规定的其他审慎性条件。 |
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| Article 7 In applying for establishing a foreign bank branch, the applicant must be qualified as: | | 第七条 设立外国银行分行，申请人应当具备下列条件： |
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| 1. having a representative office in China for at least two years; | | （一）申请人在中国境内已经设立代表机构２年以上； |
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| 2. having a total assets of no less than US$20 billion at the end of the year before the application is filed, and a rate of capital sufficiency of not lower than 8%; | | （二）申请人提出设立申请前１年年末总资产不少于２００亿美元，并且资本充足率不低于８％； |
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| 3. having a complete financial supervision and control system in the country or region where it is located, and to have been effectively supervised and controlled by the relevant competent authorities of the country or region where it is located; | | （三）申请人所在国家或者地区有完善的金融监督管理制度，并且申请人受到所在国家或者地区有关主管当局的有效监管； |
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| 4. having obtained approval for its application from the relevant competent authorities of the country or region where it is located; | | （四）申请人所在国家或者地区有关主管当局同意其申请； |
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| 5. having other prudent conditions prescribed by the People's Bank of China. | | （五）中国人民银行规定的其他审慎性条件。 |
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| Article 8 To apply for establishing a joint venture bank or a joint venture financial company, the applicant must meet the following conditions: | | 第八条 设立合资银行或者合资财务公司，申请人应当具备下列条件： |
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| 1. The foreign party must be a financial institution; | | （一）外国合资者为金融机构； |
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| 2. The foreign party has set up a representative office in China; | | （二）外国合资者在中国境内已经设立代表机构； |
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| 3. The total assets of the foreign party shall not be less than US$10 billion at the end of the year before the application is filed; | | （三）外国合资者提出设立申请前１年年末总资产不少于１００亿美元； |
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| 4. There is a complete financial supervision and control system in the country or region where the foreign party is located, and the foreign party has been effectively supervised and controlled by the relevant competent authorities of the country or region where it is located; | | （四）外国合资者所在国家或者地区有完善的金融监督管理制度，并且外国合资者受到所在国家或者地区有关主管当局的有效监管； |
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| 5. The foreign party has obtained approval for its application from the relevant competent authorities of the country or region where it is located; | | （五）外国合资者所在国家或者地区有关主管当局同意其申请； |
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| 6. Other prudent conditions prescribed by the People's Bank of China.. | | （六）中国人民银行规定的其他审慎性条件。 |
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| Article 9 In applying for establishing a solely foreign-funded bank or solely foreign-funded financial company in China, the applicant shall file an application in written form with the People's Bank of China and submit the following materials: | | 第九条 设立独资银行或者独资财务公司，应当由申请人向中国人民银行提出书面申请，并提交下列资料： |
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| 1.An application form for establishing a solely foreign-funded bank or a solely foreign-funded financial company with the name, registered capital and line of business of the bank or financial company to be established; | | （一）设立独资银行或者独资财务公司的申请书，其内容包括：拟设独资银行或者独资财务公司的名称，注册资本额，申请经营的业务种类等； |
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| 2.A feasibility study report; | | （二）可行性研究报告； |
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| 3.The articles of association of the bank or financial company to be established; | | （三）拟设独资银行或者独资财务公司的章程； |
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| 4. The business license (copy) and the letter of opinions on the application issued by the relevant competent authority of the country or region where the applicant institution is located; | | （四）申请人所在国家或者地区有关主管当局核发的营业执照（副本）及对其申请的意见书； |
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| 5. The annual financial statements of the last 3 years of the applicant institution; | | （五）申请人最近３年的年报； |
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| 6. Other materials as required by the People's Bank of China. | | （六）中国人民银行要求提供的其他资料。 |
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| Article 10 In applying for establishing a foreign bank branch in China, the head office of the foreign bank shall file an application in written form with the People's Bank of China and submit the following materials: | | 第十条 设立外国银行分行，应当由外国银行总行向中国人民银行提出书面申请，并提交下列资料： |
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| 1. An application form signed by the legal representative with the name of the branch to be established, the amount of working capital appropriated by its head office and the line of business to be handled. | | （一）法定代表人签署的申请书，其内容包括：拟设外国银行分行的名称，总行无偿拨给的营运资金数额，申请经营的业务种类等； |
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| 2. A feasibility study report; | | （二）可行性研究报告； |
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| 3. The business license (copy) and the letter of opinions on the application issued by the relevant competent authority of the country or region where the applicant institution is located; | | （三）申请人所在国家或者地区有关主管当局核发的营业执照（副本）及对其申请的意见书； |
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| 4. The annual financial statements of last 3 years of the applicant institution; and | | （四）申请人最近３年的年报； |
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| 5. Other materials as required by the People's Bank of China. | | （五）中国人民银行要求提供的其他资料。 |
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| Article 11 In applying for establishing a joint venture bank or joint venture financial company in China, the parties to the joint venture shall jointly file and application in written form with the People's Bank of China and submit the following materials: | | 第十一条 设立合资银行或者合资财务公司，应当由合资各方共同向中国人民银行提出书面申请，并提交下列资料： |
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| 1. An application form for establishing the joint venture bank or joint venture financial company with the name of the new company, the names of joint venture parties, the amount of registered capital, the ratio of investment of each joint venture party and the line of business to be applied for; | | （一）设立合资银行或者合资财务公司的申请书，其内容包括：拟设合资银行或者合资财务公司的名称，合资各方名称，注册资本额，合资各方出资比例，申请经营的业务种类等； |
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| 2. A feasibility study report; | | （二）可行性研究报告； |
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| 3. The joint venture contract and articles of association of the joint venture bank or joint venture financial company to be set up; | | （三）合资经营合同及拟设合资银行或者合资财务公司的章程； |
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| 4. The business licenses (copy) and the letter of opinions on the application issued by the relevant competent authority of the country or region where the foreign parties are located; | | （四）外国合资者所在国家或者地区有关主管当局核发的营业执照（副本）及对其申请的意见书； |
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| 5. The annual financial statements of the last 3 years of the foreign party; | | （五）外国合资者最近３年的年报； |
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| 6. The relevant materials of the Chinese party; and | | （六）中国合资者的有关资料； |
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| 7. Other materials as required by the People's Bank of China. | | （七）中国人民银行要求提供的其他资料。 |
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| Article 12 The materials indicated in Articles 9, 10 and 11, except the annual financial statements, shall have a Chinese translation attached if they are written in a foreign language. | | 第十二条 本条例第九条、第十条、第十一条所列资料，除年报外，凡用外文书写的，应当附有中文译本。 |
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| Article 13 The People's Bank of China shall make an initial examination of the application for the establishment of foreign-funded financial institution, and shall make a decision on whether to accept it or not within 6 months from the day of receiving the complete application documents. Where the application is accepted, an official application form shall be issued to the applicant; where the application is rejected, the applicant shall be notified in written form to explain the reasons. | | 第十三条 中国人民银行应当对设立外资金融机构的申请进行初步审查，自收到完整的申请文件之日起６个月内作出受理或者不受理的决定。决定受理的，发给申请人正式申请表；决定不受理的，应当书面通知申请人并说明理由。 |
Under special circumstances that the People's Bank of China can't finish the initial examination and make the decision on whether to accept the application or not within the period prescribed in the preceding paragraph, the period may be extended appropriately, and the applicant shall be informed; however, the extended period shall not exceed 3 months. | |
特殊情况下，中国人民银行不能在前款规定期限内完成初步审查并作出受理或者不受理决定的，可以适当延长，并告知申请人；但是，延长期限不得超过３个月。 |
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Article 14 An applicant shall finish the preparations within 6 months from the day of receiving the official application form; where the preparations can't be finished within the prescribed period due to good reasons, the period may be extended for 3 months upon the approval of the People's Bank of China. Where the preparation work can't be finished within the extended period, the decision made by the People's Bank of China on accepting the application shall be invalidated automatically. After the preparation work is finished, the applicant shall fill in the formal application form and submit it to the People's Bank of China for examination and approval, together with the following documents:
．．．．．． | | 第十四条 申请人应当自接到正式申请表之日起６个月内完成筹建工作；在规定期限内未完成筹建工作，有正当理由的，经中国人民银行批准，可以延长３个月。在延长期内仍未完成筹建工作的，中国人民银行作出的受理决定自动失效。筹建工作完成后，申请人应当将填写好的申请表连同下列文件报中国人民银行审批：
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