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| PROVISIONAL RULES FOR ADMINISTERING BUSINESS OPERATIONS OF FOREIGN BANKS AND JOINT CHINESE/FOREIGN BANKS IN SPECIAL ECONOMIC ZONES | | 中国人民银行关于经济特区外资银行、中外合资银行业务管理的若干暂行规定 |
(June 17, 1987 No. 185 [1987] of the People's Bank of China) | |
（１９８７年６月１７日 银发[1987]185号） |
Pursuant to the Regulations Governing Foreign Bands and Joint Chinese-Foreign Banks in Special Economic Zones of the People's Republic of China these rules are hereby set forth with a view to strengthening and improving the administration of business activities of foreign banks, branches of foreign banks and joint Chinese-foreign banks in special economic zones as well as promoting the development of their business. | |
为加强和改善对经济特区外资银行、外资银行分行、中外合资银行的业务管理，促进其业务的开展，根据《中华人民共和国经济特区外资银行、中外合资银行管理条例》，特制定本规定。 |
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| I. Operating Funds and Registered Capital | | 一、 营运资金、注册资本 |
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| 1. Any branch of a foreign bank shall, within 30 days after receipt of the approval from the People's Bank of China, submit to the latter's local branch in the special economic zone(hereinafter referred to as the SEZ branch) a certificate which evidences an allocation by its head office of an amount of foreign exchange equivalent to Renminbi 40 million yuan as its operating funds and which is testified by accountants registered in the People's Republic of China and accepted by the SEZ branch. The SEZ branch shall, in the light of specific conditions, decide whether the operating funds should be transferred into China once for all or by installments, or deposited with any bank outside China. The branch of the foreign bank may apply to the SEZ branch for retransferring outside China the operating funds transferred into China before. | | （一） 外资银行分行，在接到中国人民银行批准证书之日起三十天内，须向中国人民银行经济特区分行提供其总行拨给的四千万元人民币等值外汇营运资金的银行存款证件，并需经在中华人民共和国注册的会计师验证。中国人民银行经济特区分行根据实际情况，核定其营运资金一次或分次调入，或核准其将营运资金存放在境外的银行。外资银行分行可向中国人民银行经济特区分行申请将调入的营运资金再调出境外。 |
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| 2. Any foreign bank or joint Chinese-foreign bank shall, within 30 days after receipt of the approval from the People's Bank of China, deposit with the SEZ branch an amount of paid-up capital no less than 50% of its registered capital. The SEZ branch shall pay interest thereon according to relevant provisions. This portion of capital shall not be transferred outside China without the approval of the SEZ branch. Any foreign bank or joint Chinese-foreign bank shall, before having paid the registered capital in full, set aside from each year's after-tax profits funds no less than 20% of them ad a reserve fund. | | （二） 外资银行和中外合资银行，在接到中国人民银行批准证书之日起三十天内，应将不低于注册资本百分之五十的实收资本交存中国人民银行经济特区分行，中国人民银行经济特区分行按规定计付利息。这部分资本金不经中国人民银行经济特区分行批准，不得调出境外。外资银行或中外合资银行，在未缴足注册资本总额之前，每年应从其纳税后的净利润中提取不少于百分之二十的资金作为储备金。 |
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| II. Deposits Foreign banks, branches of foreign banks and joint Chinese-foreign banks may handle Renminbi and foreign currency deposits within the following scope: | | 二、 存款 |
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外资银行、外资银行分行、中外合资银行可按照下列范围办理本、外币存款： |
| 1. Foreign currency deposits. | |
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| | （一） 外币存款 |
| (1) Interbank deposits in and outside China; | |
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| | １．境内外同业存款； |
| (2) Deposits by undertakings, enterprises, social organizations and individuals in foreign countries and the Hongkong and Macao regions; | |
２．国外或港澳地区的单位、企业、社会团体和个人的存款； |
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３．侨资企业、外资企业、中外合资经营企业及中外合作经营企业（以下简称三资企业），外国驻华使馆、商务机构、国际组织机构、外国新闻单位、外国金融机构和工商企业代表机构，以及在上述单位工作的外国人、华侨和港澳同胞的存款； |
| (3) Deposits by overseas Chinese enterprises, foreign enterprises, Chinese-foreign joint ventures, Chinese-foreign cooperative enterprises (hereinafter referred to as foreign investment enterprises), foreign embassies and commercial offices, offices of international organizations, offices of foreign news agencies and representative offices of foreign industrial and commercial enterprises, foreign nationals, overseas Chinese and Hongkong and Macao compatriots working in the above organs; | |
４．短期入境的外国人、华侨、港澳同胞以及外国专家、职工、留学生、实习生的存款； |
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５．国营或集体企业以及其他经批准的单位接受外资银行、外资银行分行、中外合资银行的外汇贷款及其未使用部分的款项。 |
| (4) Deposits by foreign nationals, overseas Chinese, Hongkong and Macao compatriots coming to China for a short stay, and foreign experts, staff members and workers, foreign students and trainees; | |
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| | （二） 人民币存款 |
| (5) Deposits of the unused portion of foreign currency loans received from foreign banks, branches of foreign banks and joint Chinese-foreign banks by state and collective enterprise or other authorized organs. | |
１． 三资企业的存款； |
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２．接受外资银行、外资银行分行、中外合资银行人民币贷款的国营或集体企业以及其他批准的单位未使用部分款项； |
| 2. Renminbi Deposits | |
３．境内同业存款，只限资金来源为１、２款的人民币资金。 |
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| (1) Deposits by foreign investment enterprise; | | （三） 中国人民银行经济特区分行批准的其他本外币存款。 |
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| (2) Deposits of the unused portion of Renminbi loans received from foreign banks, branches of foreign banks and joint Chinese-foreign banks by state and collective enterprises or other authorized organs; | | 三、 存款准备金 |
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外资银行、外资银行分行、中外合资银行办理各类外币存款业务，应向当地中国人民银行经济特区分行缴纳存款准备金，存款准备金按港币、美元缴存，不计付利息。 |
| (3) Interbank deposits within China with the sources limited to the Renminbi funds. as prescribed in sub-sections (1) and (2) above. | |
存款准备金率由中国人民银行经济特区分行规定和调整。缴纳外币存款准备金的计算方法：各项外币存款总额的月平均余额（月平均余额即每月一日至月末的累计金额除以该月天数）乘以存款准备金率，等于应缴存款准备金数额。 |
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缴纳人民币存款准备金的计算方法与缴纳外币存款准备金的计算方法相同。 |
| 3. Other Renminbi and foreign currency deposits approved by SEZ branches. | |
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| | 四、 贷款 |
| III. Deposit Reserve. Foreign banks, branches of foreign banks and joint Chinese-foreign banks handling place with local SEZ branches reserve funds, which may be in terms of the Hongkong dollar or the U.S. dollar and shall be interest free. | |
外资银行、外资银行分行、中外合资银行可按照下列范围办理本、外币贷款业务： |
The ratio of the foreign currency reserve shall be set and adjusted by the SEZ branch. The formula for calculating the reserve is: the monthly average balance of total foreign currency deposits (the monthly average balance is the result of the accumulated amount from the first day to the last day of the month divided by the days of the month) multiplied by the ratio of deposit reserve. | |
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The ratio of the Renminbi deposit reserve shall be worked out in the same way as that of the foreign currency reserve. | | （一） 外币贷款 |
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１．境内外同业贷款； |
| IV. Loans. foreign banks, branches of foreign banks and joint Chinese-foreign banks may handle Renminbi and foreign currency loans within the following scope: | |
２．对三资企业贷款； |
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３．对国营或集体企业贷款； |
| 1. Foreign Currency Loans. | |
４．对中国境外中资企业，中外合资、合作经营企业，非中资企业贷款。 |
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| (1) Interbank loans in and outside China; | | （二） 人民币贷款 |
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１．境内同业贷款，限于来源于人民币存款中１、２款的人民币资金； |
| (2) Loans to foreign investment enterprises; | |
２．对三资企业贷款； |
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３．对国营或集体企业贷款（仅限于其外汇贷款项下所需要的配套人民币资金）。 |
| (3) Loans to state and collective enterprises; | |
外资银行或中外合资银行，对中国境内或境外一个企业的外汇贷款加外汇担保，不得超过该行实收资本加储备基金总数的百分之三十。 |
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| (4) Loans to Chinese enterprises Chinese-foreign joint ventures, Chinese-foreign cooperative enterprises and enterprises without Chinese capital outside China. | | 五、 投资 |
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外资银行或中外合资银行、购买中国境内和境外企业发行的外币债券和股票的总金额，不得超过该行实收资本加储备基金总数的百分之三十；购买中国金融机构发行的外币债券，不受此比例限制。
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