| Notice by the People's Bank of China of Requesting Public Comments on the Interim Measures for the Supervision and Administration of Financial Holding Companies (Exposure Draft) | | 中国人民银行关于《金融控股公司监督管理试行办法（征求意见稿）》公开征求意见的通知 |
| For the purposes of promoting the regulated development of financial holding companies, effectively preventing and controlling financial risks, and more effectively serving the real economy, the People's Bank of China has drafted the Interim Measures for the Supervision and Administration of Financial Holding Companies (Exposure Draft) in conjunction with the relevant departments, and hereby requests public comments. The public may submit their comments by the following means: | | 为推动金融控股公司规范发展，有效防控金融风险，更好地服务实体经济，人民银行会同相关部门起草了《金融控股公司监督管理试行办法（征求意见稿）》，现向社会公开征求意见。公众可以通过以下途径反馈意见： |
| 1. Log onto the legal information website of the Chinese government (http://www.chinalaw.gov.cn), and submit comments through the “Requests for Comments on Legislation” on the homepage. | | 1.登陆中国政府法制信息网（网址：http：//www.chinalaw.gov.cn），进入首页的“立法意见征集”提出意见。 |
| 2. By email at: jinkong@pbc.gov.cn. | | 2.通过电子邮件将意见发送至：jinkong@pbc.gov.cn。 |
| 3. By letter at: Macroprudential Policy Bureau of the People's Bank of China, 32 Chengfang Street, Xicheng District, Beijing, 100800, with “Comments on the Interim Measures for the Supervision and Administration of Financial Holding Companies” indicated on the envelop. | | 3.通过信函方式将意见寄至：北京市西城区成方街32号中国人民银行宏观审慎管理局（邮编：100800），并请在信封上注明“金控征求意见”字样。 |
| 4. By fax at: 010-66016463 | | 4.将意见传真至：010-66016463 |
| Deadline for submission of comments: August 24, 201. | | 意见反馈截止时间为2019年8月24日。 |
| Annex 1: Interim Measures for the Supervision and Administration of Financial Holding Companies (Exposure Draft) | | 附件1：金融控股公司监督管理试行办法（征求意见稿） |
| Annex 2: Explanations for the Interim Measures for the Supervision and Administration of Financial Holding Companies (Exposure Draft) (Omitted) | | 附件2：关于《金融控股公司监督管理试行办法（征求意见稿）》的说明 |
| People's Bank of China | | 中国人民银行 |
| July 26, 2019 | | 2019年7月26日 |
| Annex 1 | | 附件1 |
| Interim Measures for the Supervision and Administration of Financial Holding Companies | | 金融控股公司监督管理试行办法 |
| (Exposure Draft) | | （征求意见稿） |
| Chapter I General Provisions | | 第一章 总则 |
| Article 1 [Purpose and Basis] For the purposes of regulating the acts of financial holding companies, strengthening the regulation of the formation of financial holding companies by non-financial enterprises, and preventing systemic financial risks, these Measures are developed according to the Law of the People's Republic of China on the People's Bank of China, the Company Law of the People's Republic of China, the Law of the People's Republic of China on Commercial Banks, the Securities Law of the People's Republic of China, the Securities Investment Fund Law of the People's Republic of China, the Insurance Law of the People's Republic of China, the Banking Supervision Law of the People's Republic of China, and other laws and regulations. | | 第一条 【目的和依据】为规范金融控股公司行为，加强对非金融企业设立金融控股公司的监督管理，防范系统性金融风险，根据《中华人民共和国中国人民银行法》《中华人民共和国公司法》《中华人民共和国商业银行法》《中华人民共和国证券法》《中华人民共和国证券投资基金法》《中华人民共和国保险法》《中华人民共和国银行业监督管理法》等法律法规，制定本办法。 |
| Article 2 [Definitions] For the purposes of these Measures, “financial holding companies” means limited liability companies or companies limited by shares that are formed according to the law, that have substantial control over two or more different types of financial institutions, and that only conduct equity investment management and do not directly carry out commercial business activities. | | 第二条 【定义】本办法所称金融控股公司是指依法设立，对两个或两个以上不同类型金融机构拥有实质控制权，自身仅开展股权投资管理、不直接从事商业性经营活动的有限责任公司或者股份有限公司。 |
| These Measures are applicable to financial holding companies whose actual controllers are domestic non-financial enterprises and natural persons. The financial regulatory authorities shall, according to these Measures, regulate financial groups formed through cross-industry investment holding by financial institutions. The specific detailed implementation rules shall be separately developed by the financial regulatory departments. | | 本办法适用于实际控制人为境内非金融企业和自然人的金融控股公司。金融监管部门根据本办法，对金融机构跨业投资控股形成的金融集团实施监管。具体实施细则由金融监管部门另行制定。 |
| For the purposes of these Measures, “financial institutions” means institutions that are formed according to the law and that are approved by the financial management departments of the state to engage in financial business. Financial institutions include the following types: | | 本办法所称金融机构是指依法设立的、经国家金融管理部门批准从事金融业务的机构。金融机构包括以下类型： |
| (1) Commercial banks (excluding village banks) and financial leasing companies. | | （一）商业银行（不含村镇银行）、金融租赁公司。 |
| (2) Trust companies. | | （二）信托公司。 |
| (3) Financial asset management companies. | | （三）金融资产管理公司。 |
| (4) Securities companies, fund management companies, and futures companies. | | （四）证券公司、基金管理公司、期货公司。 |
| (5) Personal insurance companies, property insurance companies, reinsurance companies, and insurance asset management companies. | | （五）人身保险公司、财产保险公司、再保险公司、保险资产管理公司。 |
| (6) Other financial institutions recognized by the financial management departments. | | （六）金融管理部门认定的其他金融机构。 |
| For the purposes of these Measures, “financial institutions controlled by financial holding companies” means domestic and foreign financial institutions that are substantially controlled by financial holding companies. A financial holding group means a combination of corporate legal persons formed by a financial holding company and institutions controlled thereby. | | 本办法所称金融控股公司所控股金融机构是指金融控股公司实质控制的境内外金融机构。金融控股集团是指金融控股公司及其所控股机构共同构成的企业法人联合体。 |
| Article 3 [Substantial Control Power] Where an investor directly or indirectly obtains more than half of the voting shares of an investee, it shall form substantial control over the investee. In the calculation of voting rights, convertible instruments, executable warrants, executable options and other potential voting rights directly or indirectly held by an investor shall be comprehensively considered. | | 第三条 【实质控制权】投资方直接或者间接取得被投资方过半数有表决权股份的，即对被投资方形成实质控制。计算表决权时应当综合考虑投资方直接或者间接持有的可转换工具、可执行认股权证、可执行期权等潜在表决权。 |
| Where an investor does not directly or indirectly obtain more than half of the voting shares of an investee and it falls under the following circumstances, it shall be deemed that the investor has substantial control over the investee: | | 投资方未直接或者间接取得被投资方过半数有表决权的股份，有以下情形的，视同投资方对被投资方形成实质控制： |
| (1) An investor substantially holds more than half of the voting rights of an investee by entering into an agreement or other arrangements with other investors. | | （一）投资方通过与其他投资方签订协议或者其他安排，实质拥有被投资方过半数表决权。 |
| (2) In accordance with the provisions of the law or the agreement, an investor has the right to actually control the corporate behaviors of an investee. | | （二）按照法律规定或者协议约定，投资方具有实际支配被投资方公司行为的权力。 |
| (3) An investor has the right to appoint and dismiss over half members of the board of directors or other similar organs of power of an investee. | | （三）投资方有权任免被投资方董事会或者其他类似权力机构的过半数成员。 |
| (4) An investor has a majority of voting rights in the board of directors of the board of directors or other similar organs of power of an investee. | | （四）投资方在被投资方董事会或者其他类似权力机构具有过半数投票权。 |
| (5) Other circumstances that are substantial control, including the circumstances forming control according to Accounting Standards for Business Enterprises No. 33—Consolidated Financial Statements. | | （五）其他属于实质控制的情形，包括按照《企业会计准则第33号--合并财务报表》构成控制的情形。 |
| Where two or more investors are qualified for independently dominating the decision-making, business operation, management and other activities of an investee in different respects, the party that is able to dominate the activities that have the most significant impact on the return of the investee shall be deemed having substantial control over the investee. | | 两个或两个以上投资方均有资格单独主导被投资方不同方面的决策、经营和管理等活动时，能够主导对被投资方回报产生最重大影响的活动的一方，视为对被投资方形成实质控制。 |
| When applying for the formation of a financial holding company, an investor shall explain its equity structure in writing, until the ultimate actual controller, the beneficial owner, and the relationship as an affiliate or a person acting in concert with any other shareholder. | | 投资方在申请设立金融控股公司时，应当书面逐层说明其股权结构，直至最终的实际控制人、受益所有人，以及与其他股东的关联关系或者一致行动人关系。 |
| Article 4 [Supervision and Administration Mechanism] The People's Bank of China (“PBC”) shall exercise supervision and administration over financial holding companies according to the law, and examine and approve the formation, alteration, termination and business scope of financial holding companies. | | 第四条 【监管机制】中国人民银行依法对金融控股公司实施监管，审查批准金融控股公司的设立、变更、终止以及业务范围。 |
| The banking and insurance regulatory authority of the State Council, the securities regulatory authority of the State Council and the foreign exchange administration of the state shall supervise and administer the financial institutions controlled by financial holding companies according to the law. | | 国务院银行保险监督管理机构、国务院证券监督管理机构和国家外汇管理部门依法对金融控股公司所控股金融机构实施监管。 |
| The Ministry of Finance shall be responsible for the administration of the financial systems of financial holding companies. | | 财政部负责金融控股公司财务制度管理。 |
| The PBC, the banking and insurance regulatory authority of the State Council, the securities regulatory authority of the State Council, and the foreign exchange administration of the state shall strengthen cooperation in supervision and administration of financial holding companies and financial institutions controlled thereby and information sharing. The PBC, the banking and insurance regulatory authority of the State Council, the securities regulatory authority of the State Council, the foreign exchange administration of the state, the development and reform department, the public finance department, the state-owned assets administration and other departments shall strengthen sharing of information and data on financial holding companies. | | 中国人民银行与国务院银行保险监督管理机构、国务院证券监督管理机构、国家外汇管理部门加强对金融控股公司及其所控股金融机构的监管合作和信息共享。中国人民银行、国务院银行保险监督管理机构、国务院证券监督管理机构、国家外汇管理部门与发展改革部门、财政部门、国有资产管理部门等加强金融控股公司的信息数据共享。 |
| Article 5 [Supervision and Administration Concepts and Principles] The PBC shall, in conjunction with the relevant departments and under the principle of substance over form, conduct comprehensive, continuous and penetrating supervision and administration of the capital, acts and risks of financial holding groups, to prevent cross-industry and cross-market transfer of financial risks. | | 第五条 【监管理念和原则】中国人民银行会同相关部门按照实质重于形式原则，对金融控股集团的资本、行为及风险进行全面、持续、穿透监管，防范金融风险跨行业、跨市场传递。 |
| Chapter II Formation and Licensing | | 第二章 设立和许可 |
| Article 6 [Requirements for the Formation of a Financial Holding Company by a Non-financial Enterprise] Where a non-financial enterprise or a natural person substantially controls two or more different types of financial institutions and falls under one of the following circumstances, a financial holding company shall be formed: | | 第六条 【对非金融企业设立金融控股公司的要求】非金融企业、自然人实质控制两个或两个以上不同类型金融机构，并具有以下情形之一的，应当设立金融控股公司： |
| (1) The financial institutions under substantial control include a commercial bank. The total assets of financial institutions are not less than 500 billion yuan, or the total assets of financial institutions are less than 500 billion yuan, but the assets of other types of financial institutions other than commercial bank are not less than 100 billion yuan or the total assets under entrusted management are not less than 500 billion yuan. | | （一）实质控制的金融机构中含商业银行，金融机构的总资产规模不少于5000亿元的，或者金融机构总资产规模少于5000亿元，但商业银行以外其他类型的金融机构资产规模不少于1000亿元或受托管理资产的总规模不少于5000亿元。 |
| (2) The financial institutions under substantial control exclude a commercial bank. The total assets of financial institutions are not less than 100 billion yuan or the total assets under entrusted management are not less than 500 billion yuan. | | （二）实质控制的金融机构不含商业银行，金融机构的总资产规模不少于1000亿元或受托管理资产的总规模不少于5000亿元。 |
| (3) The total assets of the financial institutions under substantial control or the total assets under entrusted management do not meet the standards set forth in items (1) and (2), but the PBC deems that a financial holding company needs to be formed according to the requirements for macro-prudential supervision and administration. | | （三）实质控制的金融机构总资产规模或受托管理资产的总规模未达到第一项、第二项规定的标准，但中国人民银行按照宏观审慎监管要求，认为需要设立金融控股公司的。 |
| For an enterprise group that meets the conditions in the first three items of this article, where the financial assets of the enterprise group account for 85% of the total assets of the group, the enterprise group may apply for forming a financial holding company, and the financial holding company and institutions controlled thereby shall jointly form a financial holding group; and the parent company of the enterprise group may apply for serving as a financial holding company according to the same conditions for forming a financial holding company as prescribed in these Measures, and the enterprise group shall be recognized as a financial holding group as a whole. | | 符合本条前三项条件的企业集团，如果企业集团内的金融资产占集团总资产的比重达到或超过85%的，可由企业集团申请设立金融控股公司，金融控股公司及其控股机构共同构成金融控股集团；也可按照本办法规定的设立金融控股公司的同等条件，由企业集团母公司申请作为金融控股公司，企业集团整体被认定为金融控股集团。 |
| Article 7 [Conditions for Formation] To form a financial holding company, the following conditions shall be met: | | 第七条 【设立条件】设立金融控股公司，应当符合以下条件： |
| (1) There are bylaws in compliance with these Measures and the Company Law of the People's Republic of China. | | （一）有符合本办法和《中华人民共和国公司法》的章程。 |
| (2) The paid-in registered capital is not less than 5 billion yuan and not less than 50% of the total registered capital of the financial institutions controlled. | | （二）实缴注册资本额不低于50亿元人民币，且不低于所控股金融机构注册资本总和的50%。 |
| (3) The shareholders of the financial holding company comply with the relevant laws and regulations and the provisions of these Measures. | | （三）金融控股公司的股东符合相关法律法规和本办法规定。 |
| (4) There are directors, supervisors and senior executives with professional knowledge and business experience. | | （四）有具备任职专业知识和业务工作经验的董事、监事和高级管理人员。 |
| (5) There are sound governing bodies and an effective risk management and internal control system. | | （五）有健全的组织机构和有效的风险管理、内部控制制度。 |
| (6) It has capacity to continuously replenish capital for the financial institutions controlled thereby. | | （六）有能力为所控股金融机构持续补充资本。 |
| To form a financial holding company, other prudential conditions shall also be met. | | 设立金融控股公司，还应当符合其他审慎性条件。 |
| Article 8 [Conditions for Non-major Shareholders] Where a legal person or natural person holds not more than 5% of equities in a financial holding company and has no significant influence on the operation and management of the financial holding company, the following conditions shall be met: | | 第八条 【非主要股东条件】法人、自然人持有金融控股公司股权不足5%且对金融控股公司经营管理无重大影响的，应当符合以下条件： |
| (1) The legal person shall be formed according to the law, with a clear equity structure and perfect corporate governance. | | （一）法人应当依法设立，股权结构清晰，公司治理完善。 |
| (2) The legal person and natural person have no major violation of laws or regulations or major bad integrity records within the most recent three years; they are not under investigation or rectification for being suspected of major violation of laws and regulations; it has not been three years since they assume major responsibility for business operation failure of an investee; and the natural person is not given a criminal punishment due to intentional crime and it has not been five years since the date of completion of the sentence. | | （二）法人和自然人最近三年无重大违法违规记录或重大不良诚信记录；没有因涉嫌重大违法违规正在被调查或处于整改期间；不存在对所投资企业经营失败负有重大责任未逾三年的情形；自然人不存在因故意犯罪被判处刑罚、刑罚执行完毕未逾五年的情形。 |
| (3) The legal person does not fall under any circumstances that affect the exercise of shareholders' rights and the fulfillment of shareholders' obligations, such as the failure to carry out actual business for a long time, business suspension, bankruptcy liquidation, lack of governance structure, and invalid internal control, among others; and there are no guarantees, litigation, arbitration or other major matters that may seriously affect the continuous business operations. | | （三）法人不存在长期未实际开展业务、停业、破产清算、治理结构缺失、内部控制失效等影响履行股东权利和义务的情形；不存在可能严重影响持续经营的担保、诉讼、仲裁或者其他重大事项。 |
| Shareholders that obtain 5% or less equities in a financial holding company through the stock exchange or the National Equities Exchange and Quotations shall not be governed by the aforesaid provisions of this article. | | 通过证券交易所、全国中小企业股份转让系统交易取得金融控股公司5%以下股份的股东，不适用本条前述规定。 |
| A financial product may hold shares of a listed financial holding company, but the total shares held by a financial product controlled by a single investor, issuer or manager and its actual controller, affiliate and person acting in concert in a same financial holding company shall not exceed 5% of total shares of the financial holding company in total. | | 金融产品可以持有上市金融控股公司股份，但单一投资人、发行人或管理人及其实际控制人、关联方、一致行动人控制的金融产品持有同一金融控股公司股份合计不得超过该金融控股公司股份总额的5%。 |
| Article 9 [Conditions of Major Shareholders, Controlling Shareholders and Actual Controllers] To apply for the formation or becoming a major shareholder, controlling shareholder or actual controller of a financial holding company via purchasing shares, a legal person or natural person shall, while complying with the provisions of Article 8 of these Measures, concurrently meet the following conditions: | | 第九条 【主要股东、控股股东和实际控制人的条件】法人、自然人申请设立或投资入股成为金融控股公司主要股东、控股股东或实际控制人的，应当在符合本办法第八条规定的同时，还符合以下条件： |
| (1) It has sound integrity records and social reputation. | | （一）具有良好的诚信记录和社会声誉。 |
| (2) It has prominent core main business, strong capital strength, pure motivation of investing in financial institutions, has developed reasonable commercial plans for investing in the financial industry, and does not blindly expand into the financial industry or affect the development of the main business. | | （二）核心主业突出，资本实力雄厚，投资金融机构动机纯正，制定了合理的投资金融业的商业计划，不盲目向金融业扩张，不影响主营业务发展。 |
| (3) It has regulated corporate governance, clear equity structure and organizational structure, transparent structure of shareholders and beneficiaries, and competent management capacity, and effective risk management and internal control mechanisms. | | （三）公司治理规范，股权结构和组织架构清晰，股东、受益所有人结构透明，管理能力达标，具有有效的风险管理和内部控制机制。 |
| (4) It has sound financial situation, makes profits continuously in the most recent three accounting years without considering nonrecurring profit and loss, has net assets after year-end distribution accounting for 40% of the total assets (the parent company's financial statements), and has equity investment balance not exceeding 40% of the net assets (consolidated financial statements), except as otherwise prescribed by the PBC. | | （四）财务状况良好，在不考虑非经常性损益情况下最近三个会计年度连续盈利，年终分配后净资产达到总资产的40%（母公司财务报表口径），权益性投资余额不超过净资产的40%（合并财务报表口径），中国人民银行另有规定的除外。 |
| (5) A state-owned enterprise applying for the formation or purchase of shares of a financial holding company shall meet the needs for the distribution and restructuring of state-owned capital. | | （五）国有企业申请设立或投资入股金融控股公司应当符合国有资本布局结构调整需要。 |
| (6) A natural person applying for the formation of a financial holding company or a natural person shareholder that holds 5% or more shares of a financial holding company individually or with affiliates and persons acting in concert shall have the knowledge, experience and capacity required for performing the rights and obligations of the shareholders of financial institutions. | | （六）申请发起设立金融控股公司的自然人，单独或者与关联方、一致行动人合计持有金融控股公司5%以上股份的自然人股东，应当具有履行金融机构股东权利和义务所需的知识、经验和能力。 |
| No major shareholder, controlling shareholder or actual controller of a financial holding company shall hold shares of the financial holding company through financial products issued, managed or controlled by any other means. | | 金融控股公司主要股东、控股股东和实际控制人不得以发行、管理或通过其他手段控制的金融产品持有该金融控股公司股份。 |
| Article 10 [Prohibition of Becoming Major Shareholders, Controlling Shareholders or Actual Controllers of a Financial Holding Company] A legal person or natural person falling under one of the following circumstances shall not become a major shareholder, controlling shareholder or actual controller of any financial holding company: | | 第十条 【禁止成为金融控股公司主要股东、控股股东或实际控制人】法人、自然人存在下列情形之一的，不得成为金融控股公司的主要股东、控股股东或实际控制人： |
| (1) It is involved in disputes over ownership of equities. | | （一）股权存在权属纠纷。 |
| (2) It has entrusted another legal person or natural person or accepted the entrustment of another legal person or natural person to hold equities of a financial holding company or a financial institution. | | （二）曾经委托他人或者接受他人委托持有金融控股公司或金融机构股权。 |
| (3) It has made fake investment or circular capital injection in a financial institution, or has provided false commitment or false materials when investing in a financial holding company or a financial institution. | | （三）曾经虚假投资、循环注资金融机构，或在投资金融控股公司或金融机构时，有提供虚假承诺或者虚假材料行为。 |
| (4) It has invested in a financial holding company or financial institution, and it assumes major responsibility for the operation failure or major violation of a financial holding company or a financial institution. | | （四）曾经投资金融控股公司或金融机构，对金融控股公司或金融机构经营失败或者重大违规行为负有重大责任。 |
| (5) It has invested in a financial holding company or a financial institution, and refuses to cooperate with the supervision and administration of the PBC, the banking and insurance regulatory authority of the State Council, the securities regulatory authority of the State Council, and the foreign exchange administration of the state. | | （五）曾经投资金融控股公司或金融机构，拒不配合中国人民银行或国务院银行保险监督管理机构、国务院证券监督管理机构、国家外汇管理部门监管。 |
| Article 11 [Prohibited Acts of Controlling Shareholders of a Financial Holding Company] No controlling shareholder or actual controller of a financial holding company shall fall under the following circumstances: | | 第十一条 【金融控股公司控股股东的禁止行为】金融控股公司的控股股东或实际控制人不得存在以下情形： |
| (1) Circumventing the supervision and administration of financial holding companies by carriers of specific purpose or by entrusting others to hold shares, and other means. | | （一）通过特定目的载体或者委托他人持股等方式规避金融控股公司监管。 |
| (2) Having multiple affiliates, having complex or nontransparent equity relationship or disputes over ownership, maliciously conducting affiliated transaction, or maliciously using association relationship. | | （二）关联方众多，股权关系复杂、不透明或者存在权属纠纷，恶意开展关联交易，恶意使用关联关系。 |
| (3) Abusing the market monopoly status or technical advantages to conduct unfair competition. | | （三）滥用市场垄断地位或者技术优势开展不正当竞争。 |
| (4) Manipulating the market and disrupting the financial order. | | （四）操纵市场、扰乱金融秩序。 |
| (5) Transferring the shares of a financial holding company held within five years. | | （五）五年内转让所持有的金融控股公司股份。 |
| (6) There are no substantial business activities. | | （六）无实质性经营活动。 |
| (7) Other circumstances that may adversely affect the business operation and management of a financial holding company. | | （七）其他可能对金融控股公司经营管理产生不利影响的情形。 |
| Article 12 [Source of Capital Funds] A shareholder of a financial holding company shall invest in a financial holding company with lawful self-owned funds to ensure that the source of funds for investing in a financial holding company is authentic and reliable. | | 第十二条 【资本金来源】金融控股公司股东应当以合法自有资金投资金融控股公司，确保投资控股金融控股公司资金来源真实、可靠。 |
| A shareholder of a financial holding company shall not invest in any financial holding company with entrusted funds, debt funds and other non-self-owned funds or investment funds, or entrust others or accept others' entrustment to hold equities in the financial holding company, unless as otherwise prescribed by the laws and regulations. | | 金融控股公司股东不得以委托资金、债务资金等非自有资金以及投资基金等方式投资金融控股公司，不得委托他人或者接受他人委托持有金融控股公司的股权，法律法规另有规定的除外。 |
| A financial holding company shall invest in and control a financial institution with lawful self-owned funds, and shall not make fake capital injection or circular capital injection in any financial institution, or withdraw funds from any financial institution. | | 金融控股公司应当以合法自有资金投资控股金融机构，不得对金融机构进行虚假注资、循环注资，不得抽逃金融机构资金。 |
| The PBC shall implement penetrating management of the capital compliance of a financial holding company, verify the source of funds used to invest in and control a financial holding company and used by a financial holding company to invest in and control a financial institution in conjunction with other financial management departments. | | 中国人民银行对金融控股公司的资本合规性实施穿透管理，向上核查投资控股金融控股公司的资金来源，向下会同其他金融管理部门核查金融控股公司投资控股金融机构的资金来源。 |
| Article 13 [Approval for Formation] The formation of a financial holding company shall be approved by the PBC. | | 第十三条 【设立许可】设立金融控股公司，应当经中国人民银行批准。 |
| An institution that has satisfied the requirements of Article 6 before these Measures come into force shall, within six months of the date when these Measures come into force, file an application with the PBC. | | 本办法实施前已符合第六条要求的机构，应当在本办法实施之日起6个月内向中国人民银行提出申请。 |
| After these Measures come into force, an entity that intends to control or actually control two or more different types of financial institutions and falls under the circumstances of forming a financial holding company as prescribed in Article 6 of these Measures shall file an application with the PBC. | | 本办法实施后，拟控股或者实际控制两个或者两个以上不同类型金融机构，并具有本办法第六条规定设立金融控股公司情形的，应当向中国人民银行申请。 |
| To apply for the formation of a financial holding company, the applicant shall file the following documents and materials: | | 申请设立金融控股公司应当提交以下文件、资料： |
| (1) The draft bylaws. | | （一）章程草案。 |
| (2) The qualification certificates of directors and senior executives to be appointed. | | （二）拟任职的董事、高级管理人员的资格证明。 |
| (3) The capital verification certificate issued by the statutory capital verification institution. | | （三）法定验资机构出具的验资证明。 |
| (4) The register of shareholders and their capital contributions and shares. | | （四）股东名册及其出资额、股份。 |
| (5) The credit certificates and relevant materials of shareholders holding 5% or more registered capital. | | （五）持有注册资本5%以上的股东的资信证明和有关资料。 |
| (6) The business operation policies and plans. | | （六）经营方针和计划。 |
| (7) The materials on business premises, safety protection measures and other facilities related to the business. | | （七）营业场所、安全防范措施和与业务有关的其他设施的资料。 |
| (8) Other documents and materials as prescribed by the PBC. | | （八）中国人民银行规定的其他文件、资料。 |
| The detailed implementation rules for the approval for formation shall be separately developed by the PBC. | | 设立许可的实施细则由中国人民银行另行制定。 |
| A state-owned enterprise that forms a financial holding company in accordance with these Measures shall report to the state-owned assets supervision and administration institution. | | 国有企业依照本办法设立金融控股公司的，应当向国有资产监督管理机构报告。 |
| Only after obtaining approval of the PBC, may a financial holding company undergo the formalities of industrial and commercial registration and obtain a business license. Without approval of the PBC, no entity shall be registered as a financial holding company. | | 金融控股公司取得中国人民银行的批准后，方可办理工商注册登记，领取营业执照。未经中国人民银行批准，不得注册登记为金融控股公司。 |
| Without approval of the PBC, no entity shall use “financial holding,” “financial group” or any other phrase in the name. | | 未经中国人民银行批准，任何单位不得在名称中使用“金融控股”、“金控”、“金融集团”等字样。 |
| Article 14 [Issuing Letters of Commitment] When an application for the formation of a financial holding company is filed or a parent company of an enterprise group applies for serving as a financial holding company, the promoter or controlling shareholder shall issue a statement or letter of commitment on the following contents: | | 第十四条 【出具承诺函】申请设立金融控股公司或者企业集团母公司申请作为金融控股公司时，发起人或者控股股东应当就以下内容出具说明或承诺函： |
| (1) The purpose of investing in and forming a financial holding company. | | （一）投资设立金融控股公司的目的。 |
| (2) The real source of capital of the financial holding company and the real source of funds used by a financial holding company for investing in and controlling a financial institution. | | （二）金融控股公司的真实资本来源，金融控股公司投资控股金融机构的真实资金来源。 |
| (3) The organizational structure and management mode of a financial holding company. | | （三）金融控股公司的组织架构和管理模式。 |
| (4) The controlling shareholders, actual controllers, beneficial owners, persons acting in concert, and affiliates of the financial holding company. | | （四）金融控股公司的控股股东、实际控制人、受益所有人、一致行动人以及关联方。 |
| (5) There is no affiliation relationship between shareholders of a financial holding company, when the financial holding company is formed. | | （五）在金融控股公司设立之时，金融控股公司的股东之间无关联关系。 |
| (6) There is no inappropriate affiliated transaction between a financial holding company and its affiliates, and between affiliates. | | （六）金融控股公司与关联方之间、关联方相互之间不进行不当关联交易。 |
| (7) If necessary, the financial holding company will replenish capital to the financial institution under its control in a timely manner. | | （七）必要时金融控股公司向所控股金融机构及时补充资本金。 |
| (8) Commitment on complying with the provisions of these Measures. | | （八）承诺遵守本办法规定。 |
| In the event of any change in the aforesaid items, a statement or a letter of commitment shall be reissued. | | 以上事项发生变化的，应当重新出具说明或承诺函。 |
Article 15 [Matters of Change, Division and Merger] A financial holding company having one of the following matters shall be approved by the PBC:
．．．．．． | | 第十五条 【变更与分立、合并事项】金融控股公司有下列事项之一的，应当经中国人民银行批准：
．．．．．． |
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