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Guiding Opinions of the China Banking and Insurance Regulatory Commission on Regulating Out-of-Area Non-Licensed Institutions of Banking Financial Institutions [Effective]
中国银保监会关于规范银行业金融机构异地非持牌机构的指导意见 [现行有效]
【法宝引证码】

Guiding Opinions of the China Banking and Insurance Regulatory Commission on Regulating Out-of-Area Non-Licensed Institutions of Banking Financial Institutions 

中国银保监会关于规范银行业金融机构异地非持牌机构的指导意见

(No. 71 [2018] of the China Banking and Insurance Regulatory Commission) (银保监发〔2018〕71号)

All local offices of the China Banking and Insurance Regulatory Commission (“CBIRC”); all policy banks, large-scale banks and joint-stock banks; Postal Savings Bank of China; and foreign-funded banks: 各银保监局,各政策性银行、大型银行、股份制银行,邮储银行,外资银行:
For the purposes of further regulating the out-of-area non-licensed business operation of banking financial institutions, maintaining the financial market order, and preventing financial risks, the following opinions are hereby offered: 为进一步规范银行业金融机构异地非持牌经营行为,维护金融市场秩序,防范金融风险,现提出以下意见:
I. The following principles shall be followed for regulating out-of-area non-licensed institutions of banking financial institutions:   一、规范银行业金融机构异地非持牌机构应当遵循以下原则:
1. Sticking to the orientation. Banking financial institutions shall focus on the main business, return to the source, develop reasonable development strategies, avoid blind expansion, and improve the quality and efficiency of serving the real economy. Micro and small financial institutions shall stick to the market orientation, develop the local market in an in-depth manner, and provide high-quality financial services for “agriculture, rural areas and farmers” and micro and small enterprises. (一)坚守定位。银行业金融机构应当专注主业、回归本源,制定合理的发展战略,避免盲目扩张,提高服务实体经济质效。中小金融机构应当坚守市场定位,深耕当地市场,为“三农”与小微企业提供优质金融服务。
2. Risk-based. Banking financial institutions shall improve the corporate governance and risk management systems, strengthen the management of out-of-area institutions, and strictly prevent various types of financial risks. The supervision institutions shall respectively perform their duties to avoid supervision gap and supervision overlapping. (二)风险为本。银行业金融机构应当完善公司治理与风险管理体系,强化对异地机构的管理,严防各类金融风险。监管机构应当各司其职,避免监管空白与监管重叠。
3. Implementing policies by classification. The supervision institutions shall, according to the characteristics of different types of banking financial institutions, provide categorized guidance for out-of-area non-licensed institutions and implement policies precisely. Under the principle of substance over form, profit-oriented institutions and non-profit-oriented institutions shall be distinguished, and targeted regulatory requirements shall be offered according to the different degree of risk spillover and risk management needs. (三)分类施策。监管机构应当根据不同类型银行业金融机构特点,对异地非持牌机构进行分类指导,精准施策。按照实质重于形式原则,区分经营性机构与非经营性机构,并根据风险外溢程度与风险管理需求的不同提出针对性规范要求。
4. Non-retrospective. Non-licensed institutions in existence of banking financial institutions shall conduct rectification in a planned way during the transitional period. Newly formed out-of-area licensed institutions shall strictly perform the administrative examination and approval procedures, and newly formed out-of-area non-profit-oriented institutions shall strictly perform their reporting obligations. (四)新老划断。银行业金融机构当前存续的异地非持牌机构应当在过渡期内有计划整改。新设异地持牌机构应当严格履行行政审批程序,新设异地非经营性机构应当严格履行报告义务。
II. For the purposes of these Guidelines, “banking financial institutions” means commercial banks, rural credit cooperatives and other deposit-taking financial institutions, China Development Bank, and policy banks formed in the territory of the People's Republic of China.   二、本指导意见所称银行业金融机构是指在中华人民共和国境内设立的商业银行、农村信用合作社等吸收存款的金融机构以及国家开发银行、政策性银行。
III. “Out-of-area non-licensed institutions” means out-of-area institutions of banking financial institutions that have fixed business premises or have appointed special personnel to substantially carry out profit-oriented business or provide back-office services for relevant business, without approval of the banking regulatory authorities. Out-of-area non-licensed institutions include out-of-area profit-oriented non-licensed institutions and out-of-area non-profit-oriented non-licensed institutions (hereinafter referred to as “profit-oriented institutions” and “non-profit-oriented institutions”).   三、异地非持牌机构是指未经银行业监督管理机构批准,银行业金融机构在异地拥有固定营业场所或配备专门人员,实质开展经营性业务或为相关业务提供后台服务的机构。异地非持牌机构包括异地经营性非持牌机构与异地非经营性非持牌机构(以下简称“经营性机构”与“非经营性机构”)。
“Profit-oriented institutions” means institutions that are formed by banking financial institutions in different places under the principle of substance over form to carry out business operation activities for the public and counterparties, and that may cause the following effects: 经营性机构指银行业金融机构在异地设立的,按照实质重于形式原则,面向公众或交易对手开展经营活动,可能产生以下影响的机构:
1. Bringing credit risks, market risks, liquidity risks, operating risks, reputational risk, legal risks, country risks, strategic risks and other relevant risks to banking financial institutions. (一)给银行业金融机构带来信用风险、市场风险、流动性风险、操作风险、声誉风险、法律风险、国别风险、战略风险等相关风险;
2. Damaging the lawful rights and interests of depositors and other clients. (二)对存款人和其他客户的合法权益构成损害;
3. Triggering regional systematic financial risks. (三)引发系统性区域性金融风险;
4. Causing other effects on financial security and financial stability. (四)对金融安全和金融稳定产生其他影响。
Profit-oriented institutions include, but are not limited to, business divisions formed by banking financial institutions in different places and substantially carrying out business operation, product marketing, market expansion, project investigation, risk assessment and other relevant business operation activities, and their branches, business departments, management departments, representative offices, offices, business centers, and business operation teams, among others. 经营性机构包括但不限于银行业金融机构在异地设立且实质从事业务经营、产品营销、市场拓展、项目调查、风险评估等相关经营活动的事业部及其分部、业务部、管理部、代表处、办事处、业务中心、经营团队等。
...... 非经营性机构指银行业金融机构在异地设立的不开展经营活动,仅为相关业务提供后台服务的机构。包括但不限于银行业金融机构在异地设立的区域审批中心、审计中心、灾备中心、软件开发中心、账务处理中心等。
 ......

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