| Regulations on the Administration of Savings | | 储蓄管理条例 |
| (Promulgated by the Order No. 107 of the State Council of the People's Republic of China on December 11, 1992, and revised according to the Decision of the State Council on Abolishing and Amending Some Administrative Regulations on January 8, 2011) | | （1992年12月11日中华人民共和国国务院令第107号发布 根据2011年1月8日《国务院关于废止和修改部分行政法规的决定》修订） |
| Chapter I General Provisions | | 第一章 总 则 |
| Article 1 These Regulations are formulated for the purposes of developing savings, protecting the legitimate rights and interests of depositors, and strengthening the administration of savings. | | 第一条 为了发展储蓄事业，保护储户的合法权益，加强储蓄管理，制定本条例。 |
| Article 2 Any savings institution handling savings as a business and any individual participating in savings within the territory of China must observe the provisions of these Regulations. | | 第二条 凡在中国境内办理储蓄业务的储蓄机构和参加储蓄的个人，必须遵守本条例的规定。 |
| Article 3 "Savings" mentioned in these Regulations refer to those activities in which an individual deposits his own RMB or foreign currency in a savings institution while the savings institution issues a bankbook or deposit certificate in return; and when the individual withdraws the principal and interest on his deposits against his bankbook or deposit certificate, the savings institution will pay him the principal and interest according to provisions. | | 第三条 本条例所称储蓄是指个人将属于其所有的人民币或者外币存入储蓄机构，储蓄机构开具存折或者存单作为凭证，个人凭存折或者存单可以支取存款本金和利息，储蓄机构依照规定支付存款本金和利息的活动。 |
| No unit or individual may convert public funds into savings deposited on an individual's behalf. | | 任何单位和个人不得将公款以个人名义转为储蓄存款。 |
| Article 4 "Savings institution" mentioned in these Regulations refers to those institutions under banks or credit cooperatives which handle savings services with the approval of the People's Bank of China or one of its branches, and those under postal enterprises which handle savings services statutorily. | | 第四条 本条例所称储蓄机构是指经中国人民银行或其分支机构批准，各银行、信用合作社办理储蓄业务的机构，以及邮政企业依法办理储蓄业务的机构。 |
| Article 5 The State protects the ownership, other legitimate rights and interests over legal savings deposits of individuals and encourages individuals' participation in savings. | | 第五条 国家保护个人合法储蓄存款的所有权及其他合法权益，鼓励个人参加储蓄。 |
| In handling savings businesses, savings institutions shall observe the principles of voluntariness in depositing, freedom of withdrawal, interest on every deposit and keeping secret for depositors. | | 储蓄机构办理储蓄业务，必须遵循“存款自愿，取款自由，存款有息，为储户保密”的原则。 |
| Article 6 The People's Bank of China shall be responsible for the administration of savings throughout the country. | | 第六条 中国人民银行负责全国储蓄管理工作。 |
| The People's Bank of China and its branches shall be responsible for the approval of savings institutions and savings services, for the coordination of various savings institutions in their savings businesses and for the mediation of their disputes, for the supervision and auditing of savings services, and for correction and punishment of violations of the State laws, regulations and policies governing savings. | | 中国人民银行及其分支机构负责储蓄机构和储蓄业务的审批，协调、仲裁有关储蓄机构之间在储蓄业务方面的争议，监督、稽核储蓄机构的业务工作，纠正和处罚违反国家储蓄法律、法规和政策的行为。 |
| Article 7 The People's Bank of China may, with the approval of the State Council, take proper actions in the interest of depositors for the stability of savings. | | 第七条 中国人民银行经国务院批准，可以采取适当措施稳定储蓄，保护储户利益。 |
| Article 8 With the exception of savings institutions, no other unit or individual may handle savings services. | | 第八条 除储蓄机构外，任何单位和个人不得办理储蓄业务。 |
| Chapter II Savings Institutions | | 第二章 储 蓄 机 构 |
| Article 9 To establish a savings institution, the principles of unified planning, convenience for the masses, focusing on efficiency and ensuring security shall be abided by. | | 第九条 储蓄机构的设置，应当遵循统一规划，方便群众，注重实效，确保安全的原则。 |
| Article 10 To establish a savings institution, a report shall be submitted to the People's Bank of China or one of its branches for approval according to the relevant State provisions, and a Permit for Financial Business be applied for, unless otherwise provided for by the State laws and administrative regulations. | | 第十条 储蓄机构的设置，应当按照国家有关规定报中国人民银行或其分支机构批准，并申领《经营金融业务许可证》，但国家法律、行政法规另有规定的除外。 |
| Article 11 To establish a savings institution, the following requirements must be met: | | 第十一条 储蓄机构的设置必须具备下列条件： |
| (1) having its own name, organizational structure and place of business; | | （一）有机构名称、组织机构和营业场所； |
| (2) having no less than four workers qualified for savings services; and | | （二）熟悉储蓄业务的工作人员不少于四人； |
| (3) having necessary security and protective equipment. | | （三）有必要的安全防范设备。 |
| Article 12 A savings institution may establish its agency with the approval of the local branch of the People's Bank of China. Measures for the administration of savings agencies shall be formulated by the People's Bank of China. | | 第十二条 经当地中国人民银行分支机构批准，储蓄机构可以设立储蓄代办点。储蓄代办点的管理办法，由中国人民银行规定。 |
| Article 13 A savings institution shall conduct its business during its fixed business hours and shall not suspend business or shorten its business hours at will. | | 第十三条 储蓄机构应当按照规定时间营业，不得擅自停业或者缩短营业时间。 |
| Article 14 Savings institutions shall ensure the payment of the principal and interest on savings deposits and shall not illegally refuse payment. | | 第十四条 储蓄机构应当保证储蓄存款本金和利息的支付，不得违反规定拒绝支付储蓄存款本金和利息。 |
| Article 15 Savings institutions shall not resort to unfair means to absorb savings deposits. | | 第十五条 储蓄机构不得使用不正当手段吸收储蓄存款。 |
| Chapter III Savings Services | | 第三章 储 蓄 业 务 |
| Article 16 A savings institution may handle the following RMB savings services: | | 第十六条 储蓄机构可以办理下列人民币储蓄业务： |
| (1) current deposits; | | （一）活期储蓄存款； |
| (2) time deposits by which a fixed sum may be put in and withdrawn when it becomes due; | | （二）整存整取定期储蓄存款； |
| ．．．．．． | | ．．．．．． |
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