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On-site Inspection Measures of the China Banking and Insurance Regulatory Commission (for Trial Implementation) [Effective]
中国银保监会现场检查办法(试行) [现行有效]
【法宝引证码】

Order of the China Banking and Insurance Regulatory Commission 

中国银行保险监督管理委员会令

(No. 7 [2019]) (2019年第7号)

The On-site Inspection Measures of the China Banking and Insurance Regulatory Commission (for Trial Implementation), as adopted at the 6th executive meeting of the China Banking and Insurance Regulatory Commission in 2019, are hereby issued and shall come into force on January 28, 2020. 《中国银保监会现场检查办法(试行)》已经中国银保监会2019年第6次委务会议通过。现予公布,自2020年1月28日起施行。
Chairman: Guo Shuqing 主席 郭树清
December 24, 2019 2019年12月24日
On-site Inspection Measures of the China Banking and Insurance Regulatory Commission (for Trial Implementation) 中国银保监会现场检查办法(试行)
Chapter I General Provisions 

第一章 总则

Article 1 These Measures are developed in accordance with the Banking Supervision Law of the People's Republic of China, the Insurance Law of the People's Republic of China, the Law of the People's Republic of China on Commercial Banks other relevant laws and regulations for the purposes of fully implementing the decisions and arrangements of the CPC Central Committee and the State Council on financial work, regulating on-site inspection, and promote the sound development of the industry.   第一条 为全面贯彻落实党中央、国务院对金融工作的决策部署,加强对银行业和保险业的监督管理,规范现场检查行为,提升现场检查质效,促进行业健康发展,根据《中华人民共和国银行业监督管理法》《中华人民共和国保险法》《中华人民共和国商业银行法》等有关法律法规,制定本办法。
Article 2 For the purposes of these Measures, “on-site inspection” means any of administrative law enforcement activities of supervision and inspection conducted by the China Banking and Insurance Regulatory Commission (hereinafter referred to as the "the CBIRC") and its local offices as to the operation and management of banking and insurance institutions.   第二条 本办法所称现场检查,是指中国银行保险监督管理委员会(以下简称“银保监会”)及其派出机构依法对银行业和保险业机构经营管理情况进行监督检查的行政执法行为。
Article 3 As an important part of the supervision and administration of the CBIRC and its local offices, on-site inspection shall supervise banking and insurance institutions in implementing the state's macro policies and regulatory policies, improving the level of operations and management to achieve legal and sound operations, implementing such institutions' primary responsibilities in risk prevention and control and safeguarding the security of the banking and insurance industries through error check and malpractice correction , verification, evaluation and guidance, and warning and deterrence, thus better serving the development of the real economy.   第三条 现场检查是银保监会及其派出机构监督管理的重要组成部分,通过发挥查错纠弊、校验核实、评价指导、警示威慑等作用,督促银行业和保险业机构贯彻落实国家宏观政策及监管政策,提高经营管理水平、合法稳健经营,落实银行业和保险业机构风险防控的主体责任,维护银行业和保险业安全,更好服务实体经济发展。
Article 4 The CBIRC and its local offices shall conduct on-site inspection according to the duties, powers and procedures as specified by laws, administrative regulations, rules, and normative documents.   第四条 银保监会及其派出机构开展现场检查应当依照法律、行政法规、规章和规范性文件确定的职责、权限和程序进行。
Article 5 The CBIRC and its local offices and the personnel conducting on-site inspection (hereinafter referred to as the “inspectors”) shall conduct inspection in accordance with law, enforce the law in a civilized manner, strictly implement the spirit of the “Eight-point Regulation” of the Party Central Committee, and abide by the disciplines of confidentiality and integrity. The CBIRC and its local offices shall enhance the development of on-site inspection disciplines and a clean government system to strengthen supervision over the integrity of inspectors in performing their duties.   第五条 银保监会及其派出机构和实施现场检查的人员(以下简称检查人员)应当依法检查,文明执法,严格落实中央八项规定精神,遵守保密和廉政纪律。银保监会及其派出机构应当加强现场检查纪律和廉政制度建设,加强对检查人员廉洁履职情况的监督。
Article 6 The CBIRC and its local offices shall conduct an on-site inspection in accordance with law, whereas the institution under inspection and its employees shall cooperate with them and ensure that the relevant documents and materials are provided in a true, accurate, complete and timely manner. If an institution under inspection and its employees refuse to cooperate on inspection or to truthfully report the situation, or refuse or obstruct the inspection, the CBIRC and its local offices may, according to the seriousness of the case, take regulatory measures and impose administrative penalties on the relevant institution and individuals.   第六条 银保监会及其派出机构依法开展现场检查,被查机构及其工作人员应当配合,保证提供的有关文件资料及相关情况真实、准确、完整、及时。对于被查机构及其工作人员存在不配合检查、不如实反映情况或拒绝、阻碍检查等行为的,银保监会及其派出机构可以根据情节轻重,对相关机构和个人依法采取监管措施和行政处罚。
During the inspection period, the institution under inspection shall provide necessary office conditions and working guarantee for on-site inspection. 检查期间,被查机构应当为现场检查工作提供必要的办公条件和工作保障。
Without the consent of the CBIRC and its local offices, an institution under inspection and its employees shall not disclose the inspection and its related information. 被查机构及其工作人员未经银保监会及其派出机构同意,不得将检查情况和相关信息向外透露。
Article 7 For the purposes of these Measures, on-site inspection includes regular inspection, temporary inspection and audit investigation, among others.   第七条 本办法所指现场检查包括常规检查、临时检查和稽核调查等。
Regular inspection is any of the inspections included in the annual on-site inspection plan. According to the scope of inspection, it can be subdivided into comprehensive inspection, which is conducted for risk management and effectiveness of internal control, special inspection, which is targeted at some business areas or regions, and subsequent inspection, which is carried out for the rectification of the major problems discovered in on-site inspection of institutions under inspection. 常规检查是纳入年度现场检查计划的检查。按检查范围可以分为风险管理及内控有效性等综合性检查,对某些业务领域或区域进行的专项检查,对被查机构以往现场检查中发现的重大问题整改落实情况进行的后续检查。
Temporary inspection is any of the inspections conducted according to major work arrangements or temporary work assignments in addition to the annual on-site inspection plan. 临时检查是在年度现场检查计划之外,根据重大工作部署或临时工作任务开展的检查。
Audit investigation is an activity in which a specific matter is specifically investigated for the purpose of simplifying the on-site inspection process. 稽核调查是适用简化现场检查流程对特定事项进行专门调查的活动。
Article 8 The CBIRC and its local offices shall establish and improve an on-site inspection management information system to achieve the sharing of inspection resources and improve the efficiency of on-site inspection.   第八条 银保监会及其派出机构应当建立和完善现场检查管理信息系统,实现检查资源共享,提高现场检查效率。
Article 9 The CBIRC and its local offices shall, in strict accordance with the procedures prescribed by laws and regulations, prepare the budget for on-site inspection projects, enhance budget control and legally use inspection expenses.   第九条 银保监会及其派出机构应当严格按照法律法规规定的程序编制现场检查项目经费预算,强化预算管理,合规使用检查费用。
Article 10 The CBIRC and its local offices shall be staffed with the inspection personnel commensurate with inspection tasks. They shall provide more training for on-site inspection professionals, establish and improve a pool of randomized inspectors, refine the specialization of talents, so as to enhance the level of on-site inspection. On-site inspection shall be regarded as a way to train the banking and insurance personnel and improve their supervision ability.   第十条 银保监会及其派出机构应当配备与检查任务相适应的检查力量,加强现场检查专业人才培养,建立完善随机检查人员名录库,细化人才的专业领域,提升现场检查水平,将现场检查作为培养银行业和保险业监管队伍和提高监管能力的重要途径。
Article 11 All departments and local offices of the CBIRC shall strengthen communication and coordination during an on-site inspection and establish an effective joint-action mechanism for on-site inspection.   第十一条 银保监会各部门、各派出机构在现场检查工作中应当加强沟通协调,建立有效的现场检查联动机制。
Chapter II Division of Duties 

第二章 职责分工

Article 12 The CBIRC and its local offices shall, according to the division of regulatory duties, adopt project initiation and implementation by level as to on-site inspection. Specifically, they shall, according to the working mechanism of “anyone who initiates a project shall organize and be responsible for it,” carry out an on-site inspection.   第十二条 根据监管职责划分,银保监会及其派出机构现场检查工作实行分级立项、分级实施,按照“谁立项、谁组织、谁负责”的工作机制,开展现场检查。
Article 13 The CBIRC shall be responsible for coordinating the on-site inspections within the whole sector. It shall organize the on-site inspection of relevant banking and insurance institutions and the major special inspections, temporary inspections and audit investigations within the whole sector according to the division of regulatory duties, and conduct overall guidance and evaluation of the on-site inspections of its local offices.   第十三条 银保监会负责统筹全系统现场检查工作,根据监管职责划分,组织对相关银行业和保险业机构的现场检查,组织全系统重大专项检查、临时检查和稽核调查,对派出机构的现场检查进行统筹指导和考核评价。
Article 14 Each local office shall be responsible for coordinating the on-site inspections within its jurisdiction. It shall organize the on-site inspections of the banking and insurance institutions within its jurisdiction according to the division of supervisory duties, and complete the on-site inspections assigned by the superior departments. It shall also guide, assess and evaluate the on-site inspections of subordinate departments.   第十四条 各派出机构负责统筹辖内现场检查工作,根据监管职责划分,组织对辖内银行业和保险业机构的现场检查,完成上级部门部署的现场检查任务,对下级部门的现场检查工作进行指导、考核和评价。
Article 15 As needed, the CBIRC may carry out an on-site inspection of the institutions under the supervision of its local bureaus, and its local bureaus may do so with respect to the sub-offices within their jurisdictions.   第十五条 根据需要,银保监会可以对银保监局监管的机构、银保监局可以对辖内银保监分局监管的机构直接开展现场检查。
Article 16 The on-site inspection departments under the CBIRC and its local offices shall be responsible for the centralized management of on-site inspection.   第十六条 银保监会及其派出机构现场检查部门负责现场检查的归口管理。
The departments under the CBIRC and its local offices that take responsibility for on-site inspection shall be responsible for the initiation of on-site inspection projects, organize the implementation of on-site inspection, offer opinions on rectification, regulatory measures and administrative penalties, evaluate the rectification of institutions under inspection, and communicate with related departments on on-spot inspection. 银保监会及其派出机构承担现场检查任务的部门负责现场检查的立项和组织实施,提出整改、采取监管措施和行政处罚的建议,通过约谈、后续检查和稽核调查等方式对被查机构整改情况进行评价,并就现场检查情况及时与相关部门进行沟通。
Other institutional supervision and functional supervision departments and other departments under the CBIRC and its local offices shall actively cooperate on on-site inspection. They shall be responsible for offering suggestions for the initiation of on-site inspection projects, and strengthening information sharing and providing data, materials and related information needed for on-site inspection. 银保监会及其派出机构的其他机构监管和功能监管等部门积极配合开展现场检查工作,负责提出现场检查立项建议,加强信息共享,提供现场检查所需的数据、资料和相关信息。
Article 17 The CBIRC and its local offices shall strengthen joint action with relevant government agencies, communicate about the inspection, share inspection information according to law, and actively explore the ways of using external data such as information on credit investigation, industrial and commercial registration and tax payment to assist with an on-site inspection. They shall cooperate in the establishment of a cross-departmental double-random joint sampling inspection mechanism, and when necessary, may conduct an on-site inspection of relevant business of banking and insurance institutions in conjunction with other departments.   第十七条 银保监会及其派出机构应当加强与政府相关部门的工作联动,沟通检查情况,依法共享检查信息,积极探索利用征信信息、工商登记信息、纳税信息等外部数据辅助现场检查工作。配合建立跨部门双随机联合抽查工作机制,必要时可以联合其他部门开展对银行业和保险业机构相关业务领域的现场检查。
Article 18 The CBIRC and its local offices shall, according to the provisions of the memorandum of understanding on supervision and other cooperation agreements and the principle of reciprocity, carry out inspection of the overseas institutions of Chinese-funded banking and insurance institutions, and strengthen communication and coordination with overseas regulators. They shall cooperate with overseas regulators in effectively inspecting the institutions and business in China of foreign-funded banking and insurance institutions.   第十八条 银保监会及其派出机构应当根据监管备忘录等合作协议规定和对等原则,开展对中资银行业和保险业机构境外机构及业务的检查,并加强与境外监管机构的沟通协作,配合境外监管机构做好外资银行业和保险业机构境内机构及业务的检查。
Chapter III Project Initiation Administration 

第三章 立项管理

Article 19 The CBIRC and its local offices shall, according to the division of regulatory duties, implement project initiation by level. The CBIRC and its local offices shall strengthen the administration of on-site inspection project initiation. They shall determine the frequency and scope of on-site inspection based on the compliance, rating, importance, risk profile and past inspection of banking and insurance institutions and in light of the directory of entities subject to random inspection and the list of items subject to random inspection, thereby ensuring that inspection projects are scientific, reasonable and feasible. Without the procedures of approval for project initiation, no on-site inspection shall be carried out.   第十九条 根据监管职责划分,银保监会及其派出机构实行分级立项。银保监会及其派出机构应当加强现场检查立项管理,根据银行业和保险业机构的依法合规情况、评级情况、系统重要性程度、风险状况和以往检查情况等,结合随机检查对象名录库及随机抽查事项清单,确定现场检查的频率、范围,确保检查项目科学、合理、可行。未经立项审批程序,不得开展现场检查。
Article 20 The on-site inspection departments of the CBIRC shall, on the basis of soliciting opinions from institutional supervision and functional supervision and other departments as well as local bureaus of the CBIRC and in light of information on inspection resources, develop annual on-site inspection plans, which shall be submitted to the executive meeting or the special chairman's meeting for deliberation and decision-making and signed by the principal person in charge of the CBIRC. All local bureaus of the CBIRC shall develop annual on-site inspection plans for their jurisdictions and report them to the CBIRC in accordance with relevant regulations.   第二十条 银保监会现场检查部门应当在征求机构监管、功能监管等部门以及各银保监局意见基础上,结合检查资源情况,制定年度现场检查计划,报委务会议或专题主席会议审议决定,由银保监会主要负责人签发。各银保监局制定辖内的年度现场检查计划,按相关规定向银保监会报告。
Article 21 The CBIRC shall develop an on-site inspection plan on an annual basis, and the on-site inspection plan shall not be modified in principle once it is confirmed. If an individual project included in the annual plans really needs to be adjusted, the adjustment opinions and reasons shall be explained, and adjustment shall be made once in a centralized manner in the middle of each year. At the time of adjustment, the projects of the CBIRC shall be approved by the person in charge of the CBIRC; and the projects of local bureaus of the CBIRC shall be approved by the persons in charge of local bureaus of the CBIRC; the projects of local offices of the CBIRC shall, as required, be reported to the CBIRC with the approval of the persons in charge of local bureaus of the CBIRC.   第二十一条 银保监会按年度制定现场检查计划,现场检查计划一经确定原则上不作更改。列入年度计划的个别项目确需调整的,应当说明调整意见及理由,每年中期集中调整一次。调整时,对于银保监会负责的项目,应当经银保监会负责人审批;对于派出机构负责的项目,应当经银保监局负责人审批同意后,按要求向银保监会报告。
Article 22 With the approval of the principal person in charge of the CBIRC or a local office, the CBIRC or the local office may initiate a temporary inspection project. Each local office of the CBIRC shall, within ten working days of initiating a temporary inspection project, report the initiation to the CBIRC. When the relevant departments of the CBIRC plan to carry out an inspection in accordance with the on-site inspection procedures as to major potential risks or emergencies, such inspection shall be countersigned in principle by the corresponding on-site inspection departments as required by division of duties and project initiation by level.   第二十二条 经银保监会或银保监局主要负责人批准,银保监会或银保监局可以立项开展临时检查。各银保监局应当在临时立项后10个工作日内,将立项情况向银保监会报告。银保监会相关部门针对重大风险隐患或重大突发事件拟按照现场检查流程开展的检查,原则上应当按照职责分工和分级立项要求,会签相应的现场检查部门。
Article 23 Audit investigation may be included in the annual on-site inspection plan, and also apply to the procedures for the initiation of temporary inspection projects.   第二十三条 稽核调查可以纳入年度现场检查计划,也可以适用临时检查立项程序。
Chapter IV Inspection Process 

第四章 检查流程

Article 24 On-site inspection falls into five stages: inspection preparation, inspection implementation, inspection reporting, inspection processing and inspection filing.
......
   第二十四条 现场检查工作分为检查准备、检查实施、检查报告、检查处理和检查档案整理五个阶段。
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