| Provisions on the Functions, Structure and Staffing of the China Banking and Insurance Regulatory Commission | | 中国银行保险监督管理委员会职能配置、内设机构和人员编制规定 |
| (General Office of the CPC Central Committee and General Office of the State Council, 2018) | | （中共中央办公厅、国务院办公厅 2018年） |
| Article 1 According to the Decision of the CPC Central Committee on Deepening the Reform of the Party and State Institutions and the Plan for Deepening the Institutional Reform of the Party and State deliberated and adopted at the Third Plenary Session of the 19th CPC Central Committee, and the State Council Institutional Reform Proposal approved by the First Session of the Thirteenth National People's Congress, these Provisions are hereby developed. | | 第一条 根据党的十九届三中全会审议通过的《中共中央关于深化党和国家机构改革的决定》、《深化党和国家机构改革方案》和第十三届全国人民代表大会第一次会议批准的《国务院机构改革方案》，制定本规定。 |
| Article 2 The China Banking and Insurance Regulatory Commission (“CBIRC”) is a public institution directly under the State Council at the ministerial level. | | 第二条 中国银行保险监督管理委员会是国务院直属事业单位，为正部级。 |
| Article 3 The CBIRC shall implement the principles, policies, decisions and arrangements of the CPC Central Committee on the regulation of the banking industry and the insurance industry, and insist on and strengthen the centralized and unified leadership of the Party over banking industry and the insurance industry in the course of performing the functions. Main functions are as follows: | | 第三条 中国银行保险监督管理委员会贯彻落实党中央关于银行业和保险业监管工作的方针政策和决策部署，在履行职责过程中坚持和加强党对银行业和保险业监管工作的集中统一领导。主要职责是： |
| (1) Implementing unified regulation of the banking industry and the insurance industry across the country according to the laws and regulations, maintaining the legal and steady operation of the banking industry and the insurance industry, and implementing vertical leadership of the local offices. | | （一）依法依规对全国银行业和保险业实行统一监督管理，维护银行业和保险业合法、稳健运行，对派出机构实行垂直领导。 |
| (2) Conducting systematic research on the reform and opening up of the banking industry and the insurance industry and the effectiveness of regulation. Participating in the development of the strategic plan for the reform and development of the financial industry, and participating in the drafting of the drafts of important laws and regulations on the banking industry and the insurance industry, and the basic rules on prudential regulation and protection of financial consumers. Drafting other draft laws and regulations on the banking industry and the insurance industry, and offering suggestions for the development and revision thereof. | | （二）对银行业和保险业改革开放和监管有效性开展系统性研究。参与拟订金融业改革发展战略规划，参与起草银行业和保险业重要法律法规草案以及审慎监管和金融消费者保护基本制度。起草银行业和保险业其他法律法规草案，提出制定和修改建议。 |
| (3) Developing rules on the prudential regulation and act regulation of the banking industry and the insurance industry according to the basic rules on prudential regulation and protection of financial consumers. Developing the business operation rules and regulation rules on small loan companies, financing guarantee companies, pawnshops, finance leasing companies, commercial factoring companies, local asset management companies, and other types of institutions. Developing regulation rules on the business activities of P2P lending information intermediary institutions. | | （三）依据审慎监管和金融消费者保护基本制度，制定银行业和保险业审慎监管与行为监管规则。制定小额贷款公司、融资性担保公司、典当行、融资租赁公司、商业保理公司、地方资产管理公司等其他类型机构的经营规则和监管规则。制定网络借贷信息中介机构业务活动的监管制度。 |
| (4) Implementing access management of banking and insurance institutions and their business scope according to the laws and regulations, and examining the qualifications of senior executives for holding office. Developing standards for the management of behavior of practitioners in the banking industry and the insurance industry. | | （四）依法依规对银行业和保险业机构及其业务范围实行准入管理，审查高级管理人员任职资格。制定银行业和保险业从业人员行为管理规范。 |
| (5) Supervising corporate governance, risk management, internal control, capital adequacy, solvency, business conduct and information disclosure of the banking and insurance institutions. | | （五）对银行业和保险业机构的公司治理、风险管理、内部控制、资本充足状况、偿付能力、经营行为和信息披露等实施监管。 |
| (6) Conducting on-site inspections and off-site regulation of banking and insurance institutions, conducting risk and compliance assessment, protecting the lawful rights and interests of financial consumers, and investigating and handling the violations of laws and regulations according to the law. | | （六）对银行业和保险业机构实行现场检查与非现场监管，开展风险与合规评估，保护金融消费者合法权益，依法查处违法违规行为。 |
| (7) Being responsible for the unified development of the regulatory data statements of the banking industry and the insurance industry across the country, issuing them according to the relevant provisions issued by the state, and performing the functions relevant to the comprehensive statistics of the financial industry. | | （七）负责统一编制全国银行业和保险业监管数据报表，按照国家有关规定予以发布，履行金融业综合统计相关工作职责。 |
| (8) Establishing a risk monitoring, evaluation and early warning system for the banking industry and the insurance industry, and conducting follow-up analysis on, monitoring and forecast of the operation of the banking industry and the insurance industry. | | （八）建立银行业和保险业风险监控、评价和预警体系，跟踪分析、监测、预测银行业和保险业运行状况。 |
| (9) Putting forward and organizing the implementation of the opinions and suggestions on the emergency risk handling of deposit-taking financial institutions and insurance institutions in conjunction with the appropriate departments. | | （九）会同有关部门提出存款类金融机构和保险业机构紧急风险处置的意见和建议并组织实施。 |
| (10) Cracking down on illegal financial activities according to the laws and regulations, and being responsible for the identification, investigation and suppression of illegal fund-raising and the relevant organization and coordination thereof. | | （十）依法依规打击非法金融活动，负责非法集资的认定、查处和取缔以及相关组织协调工作。 |
| (11) According to the division of functions, being responsible for directing and supervising the relevant business of the local financial regulatory departments. | | （十一）根据职责分工，负责指导和监督地方金融监管部门相关业务工作。 |
| (12) Participating in the development of the rules of international banking and insurance organizations and international regulation, and conducting foreign exchange and international cooperation in the banking industry and the insurance industry. | | （十二）参加银行业和保险业国际组织与国际监管规则制定，开展银行业和保险业的对外交流与国际合作事务。 |
| (13) Being responsible for the routine management of the board of supervisors of state-owned key banking financial institutions. | | （十三）负责国有重点银行业金融机构监事会的日常管理工作。 |
| (14) Completing other tasks assigned by the CPC Central Committee and the State Council. | | （十四）完成党中央、国务院交办的其他任务。 |
| (15) Transformation of functions. By focusing on the guidelines and tasks of the national financial work, further specifying the functional positioning, strengthening the regulation responsibilities, strengthening micro-prudential regulation, act regulation and protection of financial consumers, and guarding the bottom line of non-occurrence of systemic and regional financial risks. In accordance with the requirements for simplification of administrative procedures and delegation of powers to lower levels, gradually reducing and lawfully regulating pre-approval, optimizing financial services, appropriately transferring regulation and service functions to local offices, and promoting the assignment of the business and services of the banking and insurance institutions to lower levels, to more effectively maximize the function of finance in serving the real economy. | | （十五）职能转变。围绕国家金融工作的指导方针和任务，进一步明确职能定位，强化监管职责，加强微观审慎监管、行为监管与金融消费者保护，守住不发生系统性金融风险的底线。按照简政放权要求，逐步减少并依法规范事前审批，加强事中事后监管，优化金融服务，向派出机构适当转移监管和服务职能，推动银行业和保险业机构业务和服务下沉，更好地发挥金融服务实体经济功能。 |
Article 4 The CBIRC shall set up the following internal departments:
．．．．．． | | 第四条 中国银行保险监督管理委员会设下列内设机构：
．．．．．． |
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