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Guiding Opinions of the General Office of the China Banking and Insurance Regulatory Commission for Preventing Illegal and Criminal Financial Activities Carried out by Banking and Insurance Practitioners
[Effective]
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中国银保监会办公厅关于预防银行业保险业从业人员金融违法犯罪的指导意见
[现行有效]
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| Guiding Opinions of the General Office of the China Banking and Insurance Regulatory Commission for Preventing Illegal and Criminal Financial Activities Carried out by Banking and Insurance Practitioners | | 中国银保监会办公厅关于预防银行业保险业从业人员金融违法犯罪的指导意见 |
| All local offices of the China Banking and Insurance Regulatory Commission (“CBIRC”); all policy banks, large-scale banks, and joint-stock banks; foreign-funded banks; financial assets management companies; all insurance group (holding) companies, insurance companies, and insurance assets management companies; and other entities managed by the CBIRC: | | 各银保监局，各政策性银行、大型银行、股份制银行，外资银行，金融资产管理公司，各保险集团（控股）公司、保险公司、保险资产管理公司，各会管单位： |
| For the purposes of further improving the working mechanism of preventing illegal and criminal financial activities carried out by banking and insurance practitioners, preventing and controlling risks of cases involving banking and insurance institutions, and promoting the sound development of the banking and insurance industry, the following Guiding Opinions are put forward: | | 为进一步完善银行业保险业从业人员金融违法犯罪预防工作机制，防控银行保险机构案件风险，促进银行业保险业健康发展，提出以下指导意见： |
| I. Basic principles. | | 一、基本原则 |
| 1. Strengthening the leadership and building of the Party. The general requirements for Party building and the strategic deployment of strict governance over the Party shall be diligently implemented, the responsibilities for the Party building work shall be fulfilled level by level, joint efforts shall be made for strengthening system implementation, and the seriousness and authority of legal systems shall be maintained, to ensure that the Party's lines, guidelines and policies are effectively implemented in the banking and insurance industry. | | （一）加强党的领导和党的建设。认真贯彻落实新时代党的建设总要求和全面从严治党战略部署，层层压实党建工作责任，着力强化制度执行，维护法规制度严肃性和权威性，确保党的路线方针政策在银行业保险业不折不扣得到贯彻执行。 |
| 2. Insisting on attaching equal importance to both the improvement of the long-term mechanism and imposition of short-term punishments. The construction of the internal risk control mechanism shall be continuously intensified, the illegal and criminal problems in the major fields having aroused strong social response and frequent cases and having significant impact on the stable operation of banking and insurance institutions shall be resolved in a targeted manner, punishment and prevention shall be combined, both the symptoms and root causes shall be addressed, and a firewall of managing people, controlling money, and fortifying systems shall be established. | | （二）坚持健全长效机制与短期重点惩治并重。持续强化风险内控机制建设，有针对性地解决社会反映强烈、犯罪案件频发、对于银行保险机构稳健经营有重要影响的重点领域违法犯罪问题，惩防结合，标本兼治，管住人、看住钱、筑牢制度的防火墙。 |
| 3. Insisting on the combination of internal control, industrial self-regulation and external supervision and administration. A three-in-one crime prevention working system of “fulfilling the primary responsibilities of institutions, establishing an industry coordination mechanism, and intensifying external supervision and administration” shall be established, to form a governance pattern of making concerted efforts. | | （三）坚持内部管控、行业自律与外部监管三管齐下。构建“落实机构主体责任、建立行业协作机制、强化外部监督管理”三位一体的预防犯罪工作体系，形成齐抓共管的治理格局。 |
| 4. Insisting on the interaction and coordination of financial regulatory departments with supervisory authorities, public security organs and judicial organs, to form joint forces for prevention and crackdown. By coordination and cooperation of administrative law enforcement and criminal justice, the role of warning of individual cases shall be maximized, and cross-regional, cross-departmental and cross-field supervision and punishment mechanisms shall be established. | | （四）坚持金融监管部门与监察机关、公安机关和司法机关联动协调，形成防范打击合力。通过行政执法与刑事司法协调配合，发挥个案警示作用，建立跨区域、跨部门、跨领域的监督惩处机制。 |
| II. Preventing illegal and criminal financial activities in key fields | | 二、预防重点领域金融违法犯罪 |
| 5. Strictly preventing illegal and criminal acts in the credit field. Banking financial institutions shall strengthen credit discipline constraints, focus on all the links such as acceptance and investigation, collateral and pledge evaluation and underwriting, risk evaluation, examination and approval, contract conclusion and lending, payment and post-loan management, and establish and improve the assessment and accountability mechanism for all operation links of loans on the basis of scientific development and strict implementation of the rules on the exemption from liability for due diligence. Senior executives shall be prevented from compelling, instigating, implying or inciting subordinates to act beyond authority or handle business in violation of regulations or rules. Practitioners and external personnel shall be prevented from jointly defrauding bank loans by virtue of shell entities, and false materials, among others. Banking financial institutions and practitioners shall be strictly prohibited from participating in various kinds of note intermediary and money brokerage activities. | | （五）严防信贷业务领域违法犯罪行为。银行业金融机构要强化信贷纪律约束，聚焦受理与调查、抵质押物评估与核保、风险评价与审批、合同签订与贷款发放、支付与贷后管理等各个环节，在科学制定和严格执行尽职免责制度基础上，建立健全贷款各操作环节的考核问责机制。防范高级管理人员强令、指使、暗示、授意下属越权、违规违章办理业务等行为。防范从业人员与外部人员共谋利用空壳主体和虚假资料等骗取银行贷款。严禁银行业金融机构和从业人员参与各类票据中介和资金掮客活动。 |
| 6. Strictly preventing illegal and criminal acts in the interbank business field. Banking financial institutions shall strictly implement risk management and control in opening of interbank accounts, remittance and payment of funds, keeping of seals and vouchers, and other key links, and prevent external fraud. In strict accordance with the provisions on the administration of interbank settlement, notes, investment and financing, and wealth management business, among others, interbank accounts shall be prohibited from being leased and lent, the duration management of specialized interbank business shall be strengthened, and illegal and criminal acts of defraud by forging contracts, seals and products, and other means shall be prevented. | | （六）严防同业业务领域违法犯罪行为。银行业金融机构要严格落实同业账户开户、资金划付、印章及凭证保管等关键环节风险管控，防范外部欺诈。严格遵守同业结算、票据、投融资、理财业务等管理规定，禁止出租、出借同业账户，加强同业专营业务的存续期管理，防范通过伪造合同、印章、产品等手段进行诈骗的违法犯罪行为。 |
| 7. Strictly preventing illegal and criminal acts in the asset disposal field. Banking financial institutions shall strengthen the management of non-performing assets, regulate the disposal and handling with due diligence recourse and reasonable valuation as the starting points, and strictly manage the authorization for disposal of losses. Joint efforts shall be made for preventing implicit buyback or basic commitment for the transfer of creditors' rights, lending for acceptance of non-performing assets transferred, assisting borrowers in borrowing money from others to return loans to these institutions in violation of the regulations, and other acts. The bad debt verification and cancellation management system shall be continuously improved, the review procedures shall be regulated, risk isolation and prevention shall be effectively made, and tunneling shall be prevented. | | （七）严防资产处置领域违法犯罪行为。银行业金融机构应加强不良资产管理，以尽职追索与合理估值为切入点，规范处置操作，严格处置损失授权管理。着重防范对转让债权作出隐性回购或兜底承诺、发放贷款承接已转让不良资产、协助借款人向他人违规拆借资金归还本机构贷款等行为。不断健全呆账核销管理制度，规范审核程序，做好风险隔离与防范，防止利益输送行为。 |
| 8. Strictly preventing illegal and criminal acts in the asset management field. Banking financial institutions shall strengthen the supervision and administration of marketing personnel, and prevent them from illegally providing wealth management services beyond authority, amending instructions for wealth management products, pledging returns, concealing risks, and misleading customers, among others. Risk management and control of non-standard investment shall be strengthened, and transfer of off-balance-sheet risks to in-balance-sheet risks shall be prevented. Wealth management funds shall be strictly prevented from being fraudulently obtained from banking financial institutions for usurious on-lending. Practitioners shall be strictly prohibited from conducting organized private lending as principal members or actual controllers. | | （八）严防资产管理业务领域违法犯罪行为。银行业金融机构要加强对营销人员的监督管理，防范超授权违规开展理财业务、修改理财产品说明书、承诺回报、掩饰风险、误导客户等行为。强化非标投资业务风险管控，防范表外风险传导至表内。严防套取银行业金融机构理财资金进行高利转贷的行为。严禁从业人员作为主要成员或实际控制人开展有组织的民间借贷。 |
| 9. Strictly preventing illegal and criminal acts in the credit card business field. Banking financial institutions shall strengthen credit card business management, conduct credit review strictly, and completely eradicate overissue of credit cards regardless of the actual repayment capacity of applicants for seeking business performance. They shall prevent practitioners from colluding with external institutions or individuals to cash out from credit cards in large amount, fabricating credit cards, and illegally trading information on credit card customers. | | （九）严防信用卡业务领域违法犯罪行为。银行业金融机构要加强信用卡业务管理，严格资信审查，杜绝为追求业绩不顾申请人实际还款能力滥发信用卡的行为。防范从业人员与外部机构或个人勾结进行信用卡大额套现、伪造信用卡、非法买卖信用卡客户信息资料等行为。 |
10. Strictly preventing illegal and criminal acts in the cash management field. Banking financial institutions shall strengthen cash management, strengthen management of cash allocation, entry and exit of treasury, handover, ATM clearing and banknote adding, reconciliation, treasury checking and other links, as well as treasury management, account keeping, clearing, allocation and other positions, intensify the examination of the management of treasury doors, tail boxes, self-service equipment and other keys and passwords, the implementation of system for the management of inventory limits, and the internal control management, and effectively satisfy the requirements for the systems of two-people management, separation of positions, authority control, supervision and inspection, among others. They shall strengthen the tracking management of banknote box handover and turnover, and explore the utilization of technical means to improve the standardization, safety and turnover efficiency of identity verification of handover personnel, banknote box verification, and other links, in light of their reality.
．．．．．． | | （十）严防现金管理领域违法犯罪行为。银行业金融机构要加强现金管理，加强现金调拨、出入库、交接、自动柜员机清机加钞、对账、查库等环节和管库、记账、清分、调拨等岗位管理，对库门、尾箱、自助设备等钥匙密码管理和库存限额管理制度执行和内控管理情况加大检查力度，切实落实双人管理、岗位分离、权限控制、监督检查等制度要求。加强款箱交接、流转跟踪管理，结合机构实际，探索利用技术手段提高交接人员身份验证、款箱核实等环节的规范性、安全性和运转效率。
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