| Notice of the People's Bank of China on Canceling the Licensing of Enterprises' Bank Accounts | | 中国人民银行关于取消企业银行账户许可的通知 |
| (No. 41 [2019] of the People's Bank of China) | | （银发〔2019〕41号） |
| The Shanghai Head Office of the People's Bank of China (“PBC”); all branches and operations offices of the PBC; all central sub-branches of the PBC in capital cities of provinces (autonomous regions) and the central sub-branch of the PBC in Shenzhen; China Development Bank; all policy banks, state-owned commercial banks and joint-stock commercial banks; and Postal Savings Bank of China: | | 中国人民银行上海总部，各分行、营业管理部，各省会(首府)城市中心支行，深圳市中心支行；国家开发银行，各政策性银行、国有商业银行、股份制商业银行，中国邮政储蓄银行： |
| On December 24, 2018, it was decided at the executive meeting of the State Council that the licensing of enterprises' bank accounts shall be completely canceled before the end of 2019 on the basis of conducting the pilot work in batches. For the purposes of implementing the decisions of the executive meeting of the State Council and guaranteeing the steady cancellation of the licensing of enterprises' bank accounts in batches nationwide, the relevant matters are hereby announced as follows: | | 2018年12月24日国务院常务会议决定，在分批试点基础上，2019年底前完全取消企业银行账户许可。为贯彻落实国务院常务会议决定，确保全国分批取消企业银行账户许可工作稳妥实施，现就有关事项通知如下： |
| I. Overall requirements | | 一、总体要求 |
| For the purposes of further implementing the spirit of the 19th CPC National Congress, the arrangements of the Central Economic Work Conference and the Fifth National Financial Work Conference, and the requirements of the “simplifying procedures, decentralizing powers, combining decentralization with appropriate control, and optimizing services” reform, the licensing of enterprises' bank accounts shall be canceled in batches nationwide in accordance with the decision of the executive meeting of the State Council, enterprises' bank account services shall be optimized, bank account management functions shall be reinforced, and interim and ex post supervision shall be strengthened in a comprehensive manner, so as to effectively realize “two no reduction, two enhancements,” that is, no reduction of the convenience for enterprises' account opening and no reduction of risk prevention and control, better enterprises' bank account services shall be provided, and account management shall be strengthened, so as to comprehensively enhance the level of serving the real economy, and support the high-quality development of enterprises, especially private enterprises and micro and small enterprises. | | 深入贯彻落实党的十九大精神、中央经济工作会议、第五次全国金融工作会议部署和“放管服”改革要求，按照国务院常务会议决定在全国分批取消企业银行账户许可，优化企业银行账户服务，强化银行账户管理职责，全面加强事中事后监管，切实做到“两个不减、两个加强”，即企业开户便利度不减、风险防控力不减，优化企业银行账户服务要加强、账户管理要加强，全面提升服务实体经济水平，支持企业尤其是民营企业、小微企业高质量发展。 |
| II. Work Arrangements | | 二、工作安排 |
| Since February 25, 2019, the scope of regions where the licensing of enterprises' bank accounts is canceled shall expand from Taizhou City, Jiangsu Province, and Taizhou City, Zhejiang Province to Jiangsu Province and Zhejiang Province. | | 自2019年2月25日起，取消企业银行账户许可地区范围由江苏省泰州市、浙江省台州市扩大至江苏省、浙江省。 |
| Other provinces (autonomous regions and municipalities) and Shenzhen Municipality shall complete the cancellation of licensing of enterprises' bank accounts before the end of 2019. | | 其他各省(区、市)、深圳市在2019年年底前完成取消企业银行账户许可工作。 |
| III. Scope of Licensing-Canceled Businesses | | 三、取消许可业务范围 |
| Where enterprise legal persons, non-legal person enterprises, and individual industrial and commercial households legally formed within China (hereinafter collectively referred to as “enterprises”) handle basic deposit account and temporary deposit account business at banks (including the modification and cancellation of basic deposit accounts and temporary deposit accounts opened by enterprises before the licensing of accounts is canceled), the confirmation system shall change to the recordation system, and the PBC shall no longer issue the account opening permit. | | 境内依法设立的企业法人、非法人企业、个体工商户(以下统称企业)在银行办理基本存款账户、临时存款账户业务(含企业在取消账户许可前已开立基本存款账户、临时存款账户的变更和撤销业务)，由核准制改为备案制，人民银行不再核发开户许可证。 |
| Organs, public institutions and other entities shall still handle the bank account business in accordance with the existing bank account management rules. Organs and public institutions that implement budget management shall open basic deposit accounts, temporary deposit accounts and special deposit accounts with the approval of public finance departments and confirmation of the PBC, unless it is otherwise provided for. | | 机关、事业单位等其他单位办理银行账户业务仍按现行银行账户管理制度执行。机关、实行预算管理的事业单位开立基本存款账户、临时存款账户和专用存款账户，应经财政部门批准并经人民银行核准，另有规定的除外。 |
| IV. Business Management | | 四、业务管理 |
| After the licensing of enterprises' bank accounts is canceled, the opening, modification and cancellation of enterprises' basic deposit accounts and temporary deposit accounts and the management of enterprises' bank accounts shall be governed by the Measures for the Administration of Enterprises' Bank Settlement Accounts (Annex 1). Banks which open, modify or cancel basic deposit accounts and temporary deposit accounts for enterprises shall file with local PBC branch offices through the RMB bank settlement account management system (hereinafter referred to as the “account management system”). | | 取消企业银行账户许可后，企业基本存款账户、临时存款账户开立、变更、撤销以及企业银行账户管理，要遵循《企业银行结算账户管理办法》(附件1)执行。银行为企业开立、变更、撤销基本存款账户、临时存款账户，要通过人民币银行结算账户管理系统(以下简称账户管理系统)向人民银行当地分支机构备案。 |
| Banks that open, modify or cancel general deposit accounts and special deposit accounts for enterprises shall, in accordance with the Measures for the Administration of RMB Bank Settlement Accounts (issued by Order No. 5 [2003] of the PBC) and other provisions, strictly examine the certification documents that shall be issued by enterprises, and prevent enterprises from opening accounts in violation of any provision or at will. | | 银行为企业开立、变更、撤销一般存款账户、专用存款账户，应按照《人民币银行结算账户管理办法》(中国人民银行令〔2003〕第5号发布)等规定，对企业应当出具的证明文件进行严格审查，防止企业违规开户或随意开立银行账户。 |
| V. Preparation Work | | 五、准备工作 |
| Local PBC branch offices at or above the level of a central sub-branch in capital cities of provinces (or autonomous regions) and the central sub-branch of the PBC in Shenzhen (hereinafter collectively referred to as “provincial PBC branch offices”) shall, in accordance with the progress of the regions where the licensing of enterprises' bank accounts is canceled, and in light of local actual circumstances, effectively conduct the relevant organization and implementation. | | 人民银行省会(首府)城市中心支行以上分支机构和深圳市中心支行(以下统称人民银行省级分支机构)要按照取消企业银行账户许可地区进展情况，结合本地实际，做好相关组织实施工作。 |
| (1) Business preparation | | (一)业务准备。 |
| (a) Revision of rules. PBC branch offices shall make plans for the supervision and administration of bank accounts of enterprises within their respective jurisdictions and publicity of canceling the licensing of enterprises' bank accounts. Banks shall complete the revision of rules such as the management of enterprises' bank accounts, internal control and regulatory compliance, business assessment, and accountability and enterprises' bank account management agreements, and report to local PBC branch offices for recordation. | | 1.制度修订。人民银行分支机构要制定辖区内企业银行账户监督管理、取消企业银行账户许可宣传等方案。银行要完成相关企业银行账户管理、内控合规、业务考核、责任追究等制度以及企业银行账户管理协议修订工作，并报当地人民银行分支机构备案。 |
| (b) Business training. PBC branch offices shall organize or assist bank organizations in completing business training for bank tellers, account managers, client managers, client service personnel and other relevant personnel. | | 2.业务培训。人民银行分支机构要组织或协助银行组织完成对银行柜员、账户管理人员、客户经理、客服人员等相关人员的业务培训。 |
| (c) External announcements. Banks shall post the Announcement on Canceling the Licensing of Enterprises' Bank Accounts (Annex 2) at each public outlet according to the arrangements of local PBC branch offices. | | 3.对外公告。银行要按所在地人民银行分支机构部署，在每个对公网点张贴《关于取消企业银行账户许可的公告》(附件2)。 |
| (d) Publishing the consulting and complaint hotline. PBC branch offices shall publish the business consulting and complaint hotline in appropriate forms. Each bank outlet shall announce the 24-hour consulting and complaint hotline for canceling the licensing of enterprises' bank accounts in conspicuous positions of business halls and the official website. | | 4.公布咨询与投诉电话。人民银行分支机构要以适当形式公布业务咨询与投诉电话。各银行网点应在营业大厅及官方网站醒目位置公布取消企业银行账户许可业务24小时咨询与投诉电话。 |
| (2) Technical preparation | | (二)技术准备。 |
| (a) Account management system. Provincial PBC branch offices shall assess the feasibility that whether the local account management system can support the cancellation of licensing of enterprises' bank accounts, organize the stress testing of the account management system, and optimize the account management system as the case may be so as to ensure the smooth operation of the system. | | 1.账户管理系统。人民银行省级分支机构要对当地账户管理系统能否支撑取消企业银行账户许可可行性进行评估，组织开展账户管理系统压力测试，并视情况优化账户管理系统，确保系统运行平稳。 |
| After the PBC Head Office upgrades the account management system, PBC branch offices shall organize banks within their respective jurisdictions to increase Level-IV operators at banks within their respective jurisdictions to handle such businesses as the recordation of enterprises' basic deposit accounts and temporary deposit accounts. | | 人民银行总行进行账户管理系统升级后，人民银行分支机构要组织辖区内银行增设四级操作员，用于办理企业基本存款账户、临时存款账户备案等业务。 |
| (b) Business systems of banks. All banks shall complete the transformation of their relevant systems in a timely manner and realize the function of managing enterprises' bank account business. | | 2.银行业务系统。各银行要及时完成相关行内系统改造，实现企业银行账户业务管理功能。 |
| (3) Emergency preparation | | (三)应急准备。 |
| (a) Business emergency response. Where any emergency occurs in the account management system, the PBC branch office and bank shall handle the relevant business in accordance with the Emergency Response Plan for Enterprises' Bank Settlement Account Business (Annex 3). PBC branch offices and banks shall, in light of their actual circumstances, specify the emergency response plans for enterprises' bank account business in their respective regions and their entities, improve the business emergency response mechanism, and ensure business continuity. | | 1.业务应急。账户管理系统发生突发事件的，人民银行分支机构、银行要按照《企业银行结算账户业务应急预案》(附件3)办理相关业务。人民银行分支机构、银行要结合实际，细化本地区、本单位企业银行账户业务应急预案，完善业务应急处理机制，确保业务连续性。 |
| (b) Technical emergency response. PBC provincial branch offices shall establish and improve the mechanism for the monitoring of the operation of the account management system within their respective jurisdictions, closely monitor key indicators such as the business concurrency of the system and network connection, and make technical emergency response plans for system emergencies. Banks shall improve the technical emergency management of their business systems, strengthen emergency guarantee, and improve emergency response capabilities. | | 2.技术应急。人民银行省级分支机构要建立健全辖区内账户管理系统运行监控机制，密切监控系统业务并发量等关键指标和网络连接情况，制定系统突发事件技术应急预案。银行要完善本银行业务系统技术应急管理，强化应急保障，提升应急处理能力。 |
| VI. Work Requirements | | 六、工作要求 |
| (1) Strengthening organization and leadership and specifying work responsibilities | | (一)加强组织领导，明确工作责任。 |
| (a) PBC Head Office. The payment system department shall be responsible for formulating relevant business management measures and emergency response plans, conducting the supervision and inspection of enterprises' bank accounts jointly with relevant departments, strengthening the monitoring and analysis of abnormal opening, modification and cancellation of enterprises' bank accounts, and urging and directing banks to prevent enterprises from opening several accounts and abnormal increase of account number, promoting the establishment of the mechanism for the sharing of information involving enterprises and joint disciplinary mechanism for regulatory violations on enterprises' bank accounts. The science and technology department shall be responsible for conducting all kinds of technical guarantee work in an effective manner, organizing the operation and maintenance of the account management system and system transformation so as to ensure the stable operation of the system and business continuity. The anti-money laundering department shall be responsible for supervising banks' strict implementation of various anti-money laundering laws and regulations, implementing client identification requirements, effectively monitoring suspicious transactions, and preventing the risk of using enterprises' bank accounts to conduct money laundering and financing of terrorism. | | 1.人民银行总行。支付结算部门负责制定相关业务管理办法、应急预案，会同相关部门开展企业银行账户监督检查，加强企业银行账户开立、变更、撤销异常监测分析，督促指导银行防止企业多头开户和账户数量异常增加，推动建立涉企信息共享机制和企业银行账户违规联合惩戒机制。科技部门负责做好各项技术保障工作，组织账户管理系统运行维护和系统改造，确保系统稳定运行和业务连续性。反洗钱部门负责监督银行严格执行各项反洗钱法律法规制度，落实客户身份识别要求，做好可疑交易监测工作，防范利用企业银行账户从事洗钱和恐怖融资活动风险。 |
| (2) PBC branch offices. A leading group with the primary responsible person in charge serving as the team leader shall be formed to organize the effective cancellation of the licensing of enterprises' bank accounts within their respective jurisdictions. They shall, in conjunction with local regulators, supervise and manage the bank account business of enterprises within their respective jurisdictions, and assume direct responsibility for the supervision of account risks within their respective jurisdictions. They shall strengthen the guidance and supervision of banks, especially small- and medium-sized banks. They shall strengthen the ex post inspection of enterprises' bank accounts, and prevent enterprises' opening of several bank accounts. They shall strengthen the monitoring and analysis of abnormal opening, modification and cancellation of enterprises' bank accounts, and find in a timely manner the abnormal increase in the number of bank accounts of enterprises within their respective jurisdictions and correct them. They shall promote banks' establishment of the self-disciplinary mechanism for enterprises' bank account business. Under the premise of controllable risks, they shall reduce the burden in such aspects as banks' submission of materials, and provide better services to banks. They shall promote information sharing with local market regulation, industry and information technology, taxation and other departments. They shall promote the establishment of a joint disciplinary mechanism for seriously dishonest enterprises and their legal representatives or persons in charge of entities. | | 2.人民银行分支机构。成立主要负责同志任组长的工作领导小组，组织做好本辖区取消企业银行账户许可工作。会同当地监管部门对辖区内企业银行账户业务进行监督管理，对辖区内账户风险承担直接监管责任。加强对银行尤其是对中小银行的指导和监督。加强企业银行账户事后核查，防止企业多头开户。加强企业银行账户开立、变更、撤销异常监测分析，及时发现辖区内企业银行账户数量异常增加情况并予以纠正。推动银行建立企业银行账户业务自律机制。在风险可控前提下，减轻银行报送资料等方面负担，优化对银行服务。推动与当地市场监管、工业和信息化、税务等部门信息共享。推动建立对严重失信企业及其法定代表人或单位负责人联合惩戒机制。 |
| (c) Banks. They shall form a leading group where the person in charge serves as the group leader to organize the effective cancellation of the licensing of enterprises' bank accounts. They shall strengthen the management of enterprises' bank accounts, strengthen the monitoring and analysis of abnormal opening, modification and cancellation of enterprises' bank accounts, and prevent and correct enterprises' opening of several accounts and abnormal increase in the number of accounts. They shall assume responsibility for the regulatory compliance of enterprises' bank accounts in a comprehensive and independent manner, conduct full life cycle management of enterprises' bank accounts, reduce the risks of existing accounts, and curb the risks of new accounts. They shall optimize enterprises' bank account services. | | 3.银行。成立分管负责同志任组长的工作领导小组，组织做好本单位取消企业银行账户许可工作。强化企业银行账户管理，加强企业银行账户开立、变更、撤销异常监测分析，防止和纠正企业多头开户和账户数量异常增加。全面、独立承担企业银行账户合法合规主体责任，对企业银行账户实施全生命周期管理，减少存量账户风险，遏制新增账户风险。优化企业银行账户服务。 |
| (2) Eliminating potential risks and strengthening emergency guarantee | | (二)消除风险隐患，强化应急保障。 |
| (a) Strengthening system operation and maintenance. Provincial PBC branch offices and banks shall enhance their work safety awareness, strengthen the implementation of responsibilities, and guarantee the safe and stable operation of systems relating to the account business and continuous processing of the account business. They shall effectively conduct such work as the patrol inspection of computer rooms, system operation and maintenance, and backup management, closely monitor key indicators such as business concurrency of systems relating to the account business and network connection, and eliminate potential risks. | | 1.加强系统运维。人民银行省级分支机构、银行要提升安全生产意识，强化责任落实，确保账户业务相关系统安全稳定运行、账户业务连续处理。做好机房巡查、系统运维、备份管理等工作，密切监视账户业务相关系统的业务并发量等关键指标和网络连接情况，消除风险隐患。 |
| (b) Strengthening emergency management. Provincial PBC branch offices and banks shall, in light of the actual conditions of their respective jurisdictions and their entities, conduct scene rehearsals and predict risks. They shall establish and improve emergency response plans for enterprises' bank account business, specify various types of emergency prevention measures and disposal procedures, assign responsibilities to posts and personnel, guarantee the rapid response to emergencies, report emergencies in a timely manner, and have effective response. They shall organize stress testing and emergency drills to improve emergency response capabilities. | | 2.加强应急管理。人民银行省级分支机构、银行要结合本辖区、本单位实际，开展场景预演，预判风险。建立健全企业银行账户业务应急预案，明确各类突发事件防范措施和处置程序，责任到岗到人，确保突发事件快速响应、及时上报、有效应对。组织开展压力测试和应急演练，提升应急处置能力。 |
| (3) Special crackdown and governance and serious accountability | | (三)专项打击治理，严肃问责追究。 |
| (a) Conducting special account governance actions. The PBC Head Office shall, in light of the special action against new types of illegal and criminal activities in the telecommunications network, and jointly with public security departments and regulators, conduct the special crackdown and governance action on bank accounts, focus on the rectification of such acts as enterprises' opening of several accounts, opening of accounts without approval, lease, lending and sale of accounts. PBC branch offices shall, while effectively canceling the licensing of enterprises' bank accounts, organize at appropriate times the clearing and inspection of existing enterprises' bank accounts of banks within their respective jurisdictions, and in a timely manner, correct and handle the existing enterprises' bank accounts opened and used in violation of any provision. | | 1.开展账户专项治理行动。人民银行总行将结合打击电信网络新型违法犯罪专项行动，联合公安部门、监管机构开展银行账户专项打击治理行动，重点整治企业多头开户、乱开账户、出租、出借、出售账户等行为。人民银行分支机构要在作好取消企业银行账户许可的同时，适时组织开展辖区内银行存量企业银行账户清理、核查工作，对违反规定开立、使用的存量企业银行账户及时纠正、处理。 |
| (b) Strengthening the monitoring of enterprise' bank account business. PBC branch offices and banks shall strengthen the monitoring and analysis of the opening, modification and cancellation of enterprises' bank accounts, and if they find that the enterprise's bank account business is abnormal, they shall conduct investigation and handling in a timely manner. | | 2.加强企业银行账户业务监测。人民银行分支机构、银行要加强企业银行账户开立、变更、撤销监测分析，发现企业银行账户业务异常的，要及时调查处理。 |
| (c) Establishing and improving notification and accountability mechanisms. For banks which have poor enterprises' bank account services, resulting in adverse effects, or large-scale account risk events, the PBC Head Office and branch offices shall conduct investigation and handling in accordance with the law and severely punish them, and suggest disciplinary inspection and supervision departments to hold them liable. The PBC Head Office shall circulate a notice of criticism and hold liable PBC branch offices which have ineffective supervision, resulting in poor enterprises' bank account services within their respective jurisdictions, causing adverse effects, or have large-scale account risk events. Entities and individuals that have ineffective emergency guarantee, resulting in serious consequences shall be held liable in accordance with relevant provisions. | | 3.建立健全通报和问责机制。对于企业银行账户服务较差、造成恶劣影响，或者出现大面积账户风险事件的银行，人民银行总行和分支机构依法查处、严厉处罚，并建议纪检监察部门予以问责。对监管不力，导致辖区内企业银行账户服务较差、造成恶劣影响，或者出现大面积账户风险事件的人民银行分支机构，人民银行总行将进行通报并问责。对应急保障不力并造成严重后果的单位和个人依据有关规定问责。 |
| (4) Conducting extensive publicity and training to create a good atmosphere | | (四)广泛宣传培训，营造良好氛围。 |
| (a) Strengthening publicity. PBC branch offices and banks shall comprehensively take various publicity means such as reading articles, posters and animations, and various publicity channels such as television, radio, newspapers, microblog, WeChat and micro-video to publicize the cancellation of licensing of enterprises' bank accounts to government departments, enterprises and the public. They shall strengthen the publicity and training of the persons in charge of account opening enterprises and financial personnel, so that enterprises can understand and effectively use the policies. | | 1.加强宣传。人民银行分支机构、银行要综合运用解读文章、海报、动漫等各种宣传方式，利用电视、广播、报纸、微博、微信、微视频等各种宣传渠道，向政府部门、企业、社会公众开展取消企业银行账户许可宣传。加强对开户企业负责人、财务人员的宣传培训，让企业了解政策、用好政策。 |
| (b) Strengthening the collection of public opinion. PBC branch offices and banks shall actively guide and pay close attention to the public opinion information before and after the cancellation of licensing of enterprises' bank accounts within their respective jurisdictions, collect opinions from all parties, effectively guide public opinion, and try to eliminate misunderstandings. For the matters requiring enterprises' cooperation, banks shall conduct communication and interpretation in a patient manner. | | 2.加强舆情收集。人民银行分支机构、银行要积极引导、密切关注辖区内取消企业银行账户许可前后舆情信息，收集各方面声音，做好舆论引导工作，尽力消除误解。对需企业配合事项，银行要耐心做好沟通解释工作。 |
| (5) Strengthening information communication and summarizing and reporting in a timely manner. | | (五)加强信息沟通，及时总结报告。 |
| (a) Reporting work in a timely manner. In the regions where the licensing of enterprises' bank accounts is canceled, local provincial PBC branch offices shall, in the first week when the licensing is canceled, submit the Statistical Form of Enterprises' Bank Account Information (see Annex 4 for the template) to the PBC Head Office before 19:00 everyday. They shall, within five working days of the following month, report the relevant information of the previous month and the Statistical Form of Enterprises' Bank Account Information to the PBC Head Office until the end of 2019. In the case of any major problems and circumstances, PBC branch offices and banks shall immediately report to the PBC Head Office. | | 1.及时报送工作情况。取消企业银行账户许可的地区，实施取消许可第一周，当地人民银行省级分支机构要于每日19：00前将《企业银行账户情况统计表》(模板见附件4)报人民银行总行。此后，应于次月5个工作日内，将上月有关情况和《企业银行账户情况统计表》报人民银行总行，直至2019年底。遇重大问题和情况，人民银行分支机构、银行应立即报告人民银行总行。 |
| (b) Summarizing and reporting in a timely manner. Provincial PBC branch offices and banks shall comprehensively summarize the cancellation of licensing of enterprises' bank accounts within their respective jurisdictions and their entities before the end of 2019, and report to the PBC Head Office. The PBC Head Office shall circulate a notice of commendation on the entities and individuals with effective work organization, remarkable achievements and outstanding performance. | | 2.及时总结报告。人民银行省级分支机构、银行要在2019年底前全面总结本辖区内、本单位取消企业银行账户许可情况，并报告人民银行总行。人民银行总行将对工作组织有力、成效显著、业绩突出的单位和个人进行通报表扬。 |
| Provincial PBC branch offices shall forward this Notice to PBC branch offices and banks within their respective jurisdictions in a timely manner. | | 请人民银行省级分支机构及时将本通知转发至辖区内人民银行分支机构和银行。 |
| Annexes: | | 附件： |
| 1. Measures for the Administration of Enterprises' Bank Settlement Accounts | | 1.企业银行结算账户管理办法 |
| 2. Announcement on Canceling the Licensing of Enterprises' Bank Accounts | | 2.关于取消企业银行账户许可的公告 |
| 3. Emergency Response Plan for Enterprises' Bank Settlement Account Business | | 3.企业银行结算账户业务应急预案 |
| 4. Statistical Form of Enterprises' Bank Account Information | | 4.企业银行账户情况统计表 |
| Annex 1 | | 附件1 |
| Measures for the Administration of Enterprises' Bank Settlement Accounts | | 企业银行结算账户管理办法 |
| Chapter I General Provisions | | 第一章 总则 |
| Article 1 For the purposes of standardizing the processing of enterprises' bank settlement account business, strengthening the management of enterprises' bank settlement accounts, and maintaining stable economic and financial order, these Measures are developed in accordance with the Law of the People's Republic of China on the People's Bank of China, the Law of the People's Republic of China on Commercial Banks, the Anti-Money Laundering Law of the People's Republic of China, the Measures for the Administration of RMB Bank Settlement Accounts (issued by Order No. 5 [2003], PBC), the Order of the People's Bank of China (issued by No. 1, [2019]), and other provisions. | | 第一条 为规范企业银行结算账户业务处理，加强企业银行结算账户管理，维护经济金融秩序稳定，根据《中华人民共和国中国人民银行法》《中华人民共和国商业银行法》《中华人民共和国反洗钱法》《人民币银行结算账户管理办法》(中国人民银行令〔2003〕第5号发布)《中国人民银行令》(〔2019〕第1号发布)等规定，制定本办法。 |
| Article 2 These Measures shall apply to the handling of the bank settlement account business by banking financial institutions (hereinafter referred to as “banks”) for enterprise legal persons, non-legal person enterprises, and individual industrial and commercial households formed within China in accordance with the law (hereinafter collectively referred to as “enterprises”). | | 第二条 银行业金融机构(以下简称银行)为境内依法设立的企业法人、非法人企业、个体工商户(以下统称企业)办理银行结算账户业务适用本办法。 |
| For the purposes of these Measures, “bank settlement accounts” means basic deposit accounts, general deposit accounts, special deposit accounts and temporary deposit accounts prescribed in the Measures for the Administration of RMB Bank Settlement Accounts. | | 本办法所称银行结算账户是指《人民币银行结算账户管理办法》规定的基本存款账户、一般存款账户、专用存款账户、临时存款账户。 |
| Article 3 Enterprises' opening, modification and cancellation of basic deposit accounts and temporary deposit accounts shall be subject to the recordation system. | | 第三条 企业开立、变更、撤销基本存款账户、临时存款账户实行备案制。 |
| An enterprise can only open one basic deposit account at a bank and shall not open two or more basic deposit accounts. | | 企业只能在银行开立一个基本存款账户，不得开立两个(含)以上基本存款账户。 |
| Article 4 A bank shall develop management rules for the management of enterprises' bank settlement account business, operating procedures, business assessment, internal control, and accountability, among others, and report to the local PBC branch office for recordation. | | 第四条 银行应当制定企业银行结算账户业务管理、操作规程、业务考核、内部控制、责任追究等管理制度，并报当地人民银行分支机构备案。 |
| Article 5 A bank shall perform the client identification obligation as required, implement the real-name account system, shall not open any anonymous or fake-name account for the enterprise, and shall not provide services or conduct transactions with any unidentified enterprise. | | 第五条 银行应当按规定履行客户身份识别义务，落实账户实名制，不得为企业开立匿名账户或者假名账户，不得为身份不明的企业提供服务或者与其进行交易。 |
| The bank shall, in a comprehensive and independent manner, assume the responsibility for the legal compliance of enterprises' bank settlement accounts, conduct the full life cycle management of enterprises' bank settlement accounts, and prevent offenders from using enterprises' bank settlement accounts to conduct illegal and criminal activities. | | 银行应当全面、独立承担企业银行结算账户合法合规主体责任，对企业银行结算账户实施全生命周期管理，防范不法分子利用企业银行结算账户从事违法犯罪活动。 |
| Article 6 The PBC Head Office shall direct, oversee and inspect the supervision of enterprises' bank settlement accounts of PBC branch offices, and together with regulatory departments, oversee and administer banks' handling of enterprises' bank settlement account business in accordance with the law. | | 第六条 人民银行总行对人民银行分支机构企业银行结算账户监管进行指导、监督和检查，会同监管部门依法对银行办理企业银行结算账户业务情况进行监督管理。 |
| PBC branch offices shall, together with local regulators, oversee and administer enterprises' bank settlement account business handled by banks within their respective jurisdictions under the territorial principle, and assume the responsibility for the direct supervision of settlement account risks of banks within their respective jurisdictions. | | 人民银行分支机构会同当地监管部门按照属地原则对辖区内银行办理企业银行结算账户业务进行监督管理，对辖区内银行结算账户风险承担直接监管责任。 |
| Chapter II Account Opening and Use | | 第二章 账户开立与使用 |
| Article 7 When an enterprise applies for opening a bank settlement account, it shall submit an account opening application as required, and issue the following account opening certification documents: | | 第七条 企业申请开立银行结算账户，应当按规定提交开户申请书，并出具下列开户证明文件： |
| (1) Business license. | | (一)营业执照。 |
| (2) Valid identity certificate of the legal representative or the person in charge of the entity. | | (二)法定代表人或单位负责人有效身份证件。 |
| (3) Where the legal representative or the person in charge of the entity authorizes any other person to handle the application, a power of attorney of the legal representative or the person in charge of the entity and a valid identity certificate of the authorized person shall also be issued. | | (三)法定代表人或单位负责人授权他人办理的，还应出具法定代表人或单位负责人的授权书以及被授权人的有效身份证件。 |
| (4) Other account opening certification documents prescribed in the Measures for the Administration of RMB Bank Settlement Accounts and other provisions. | | (四)《人民币银行结算账户管理办法》等规定的其他开户证明文件。 |
| The enterprise shall be responsible for the veracity and validity of the matters listed in the account opening application and the relevant account opening certification documents. | | 企业应当对开户申请书所列事项及相关开户证明文件的真实、有效性负责。 |
| Article 8 A bank shall examine the veracity, completeness and regulatory compliance of the enterprise's account opening certification documents, the consistency between the account opening applicant and the owner of account opening certification documents, and the authenticity of the enterprise's willingness to open an account. | | 第八条 银行应当审核企业开户证明文件的真实性、完整性和合规性，开户申请人与开户证明文件所属人的一致性，以及企业开户意愿的真实性。 |
| Article 9 Where an enterprise applies for opening a basic deposit account, the bank shall examine the uniqueness of the enterprise's basic deposit account through the RMB bank settlement account management system (hereinafter referred to as the “account management system”), and shall not open a basic deposit account for the enterprise if it fails to pass the uniqueness review. | | 第九条 企业申请开立基本存款账户的，银行应当通过人民币银行结算账户管理系统(以下简称账户管理系统)审核企业基本存款账户唯一性，未通过唯一性审核的不得为其开立基本存款账户。 |
When the bank examines the uniqueness of the enterprise's basic deposit account through the account management system, it shall accurately enter the enterprise's name, uniform social credit code, regional code of the place of registration and other information in the system.
．．．．．． | | 银行通过账户管理系统审核企业基本存款账户唯一性时，应当在系统中准确录入企业名称、统一社会信用代码、注册地地区代码等信息。
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