| Order of the China Banking and Insurance Regulatory Commission | | 中国银行保险监督管理委员会令 |
| (No. 5 [2019]) | | （2019年第5号） |
| The Measures for the Management of Net Capital of Wealth Management Subsidiaries of Commercial Banks (for Trial Implementation), as adopted at the 6th chairman's executive meeting of the China Banking and Insurance Regulatory Commission in 2019, are hereby issued, and shall come into force on March 1, 2020. | | 《商业银行理财子公司净资本管理办法（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3月1日起施行。 |
| Chairman: Guo Shuqing | | 主席 郭树清 |
| November 29, 2019 | | 2019年11月29日 |
| Measures for the Management of Net Capital of Wealth Management Subsidiaries of Commercial Banks (for Trial Implementation) | | 商业银行理财子公司净资本管理办法（试行） |
| Chapter I General Provisions | | 第一章 总则 |
| Article 1 For the purposes of strengthening the supervision and administration of wealth management subsidiaries of commercial banks (hereinafter referred to as “banks' wealth management subsidiaries”), promoting the safe and stable operation of banks' wealth management subsidiaries, and protecting investors' lawful rights and interests, these Measures are developed in accordance with the Banking Supervision Law of the People's Republic of China and other laws and administrative regulations, as well as the Guiding Opinions on Regulating the Asset Management Business of Financial Institutions, the Measures for the Supervision and Administration of the Wealth Management Business of Commercial Banks, and the Measures for the Administration of Wealth Management Subsidiaries of Commercial Banks. | | 第一条 为加强对商业银行理财子公司（以下简称银行理财子公司）的监督管理，促进银行理财子公司安全稳健运行，保护投资者合法权益，根据《中华人民共和国银行业监督管理法》等法律、行政法规以及《关于规范金融机构资产管理业务的指导意见》《商业银行理财业务监督管理办法》《商业银行理财子公司管理办法》，制定本办法。 |
| Article 2 These Measures shall apply to banks' wealth management subsidiaries legally formed within the territory of the People's Republic of China. | | 第二条 本办法适用于在中华人民共和国境内依法设立的银行理财子公司。 |
| Article 3 A bank's wealth management subsidiary shall manage net capital in accordance with the provisions of these Measures, and establish a net capital monitoring and supplement mechanism according to its business development, so as to ensure that it continuously complies with net capital regulatory requirements. | | 第三条 银行理财子公司应当按照本办法规定实施净资本管理，根据自身业务开展情况，建立净资本监控和补充机制，确保持续符合净资本监管要求。 |
| Article 4 A bank's wealth management subsidiary shall, in accordance with the Measures for the Supervision and Administration of the Wealth Management Business of Commercial Banks and other regulatory provisions, conduct stress testing on a periodical basis to measure net capital adequacy level under different stress scenarios and ensure the effective application of stress testing results. | | 第四条 银行理财子公司应当按照《商业银行理财业务监督管理办法》等监管规定，定期开展压力测试，测算不同压力情景下的净资本充足水平，并确保压力测试结果得到有效应用。 |
| Article 5 The board of directors of a bank's wealth management subsidiary shall assume ultimate responsibility for the company's net capital management, and be responsible for setting net capital management objectives and approving and supervising the implementation of the net capital management plan. | | 第五条 |
| Article 6 The senior management of a bank's wealth management subsidiary shall be responsible for organizing the implementation of net capital management, including the formulation and implementation of net capital management policies and procedures, the periodical assessment of net capital adequacy level, and the reporting of net capital management to the board of directors in writing at least once every quarter. In the case of any major event which may affect net capital adequacy level, the senior management shall conduct assessment in a timely manner and report to the board of directors. | | 第六条 银行理财子公司高级管理层负责组织实施净资本管理工作，包括制定并实施净资本管理政策和程序，定期评估净资本充足水平，至少每季度将净资本管理情况向董事会书面报告一次。如遇可能影响净资本充足水平的重大事项，应当及时开展评估并向董事会报告。 |
| Article 7 Banking regulatory authorities shall conduct the supervision and administration of the net capital management of banks' wealth management subsidiaries in accordance with the law. | | 第七条 银行业监督管理机构依法对银行理财子公司净资本管理实施监督管理。 |
Chapter II Net Capital Regulatory Standards
．．．．．． | | 第二章 净资本监管标准
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