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Regulation of the People's Republic of China on the Administration of Foreign-Funded Banks (2019 Amendment PKULAW Version) [Effective]
中华人民共和国外资银行管理条例(2019修订) [现行有效]
【法宝引证码】

Regulation of the People's Republic of China on the Administration of Foreign-Funded Banks 

中华人民共和国外资银行管理条例

(Issued by Order No. 478 of the State Council of the People's Republic of China on November 11, 2006; amended for the first time according to the Decision of the State Council on Amending Some Administrative Regulations on July 29, 2014; amended for the second time according to the Decision of the State Council on Amending the Regulation of the People's Republic of China on the Administration of Foreign-Funded Banks on November 27, 2014; and amended for the third time in accordance with the Decision of the State Council to Amend the Regulation of the People's Republic of China on the Administration of Foreign-Funded Insurance Companies and the Regulation of the People's Republic of China on the Administration of Foreign-Funded Banks on September 30, 2019) (2006年11月11日中华人民共和国国务院令第478号公布 根据2014年7月29日《国务院关于修改部分行政法规的决定》第一次修订 根据2014年11月27日《国务院关于修改〈中华人民共和国外资银行管理条例〉的决定》第二次修订 根据2019年9月30日《国务院关于修改〈中华人民共和国外资保险公司管理条例〉和〈中华人民共和国外资银行管理条例〉的决定》第三次修订)
Chapter I General Provisions 

第一章 总  则

Article 1 This Regulation is developed as required by China's opening up and economic development to strengthen and improve the supervision and administration of foreign-funded banks and promote the steady and sound operation of the banking sector.   第一条 为了适应对外开放和经济发展的需要,加强和完善对外资银行的监督管理,促进银行业的稳健运行,制定本条例。
Article 2 For the purposes of this Regulation, “foreign-funded banks” includes the following institutions formed upon approval within the territory of the People's Republic of China in accordance with the relevant laws and regulations of the People's Republic of China:   第二条 本条例所称外资银行,是指依照中华人民共和国有关法律、法规,经批准在中华人民共和国境内设立的下列机构:
(1) A wholly foreign-funded bank formed by one foreign bank as the sole investor or by one foreign bank and other foreign financial institutions as joint investors. (一)1家外国银行单独出资或者1家外国银行与其他外国金融机构共同出资设立的外商独资银行;
(2) A Chinese-foreign equity joint venture bank formed by one or more foreign financial institutions and one or more Chinese companies or enterprises as joint investors. (二)外国金融机构与中国的公司、企业共同出资设立的中外合资银行;
(3) A branch of a foreign bank. (三)外国银行分行;
(4) A representative office of a foreign bank. (四)外国银行代表处。
The institutions as listed in items (1) to (3) of the preceding paragraph are hereinafter together referred to as for-profit foreign-funded banks. 前款第一项至第三项所列机构,以下统称外资银行营业性机构。
Article 3 For the purposes of this Regulation, “foreign financial institution” means a financial institution registered outside the People's Republic of China and approved or licensed by the financial regulatory authority of the country or region where it is located.   第三条 本条例所称外国金融机构,是指在中华人民共和国境外注册并经所在国家或者地区金融监管当局批准或者许可的金融机构。
For the purposes of this Regulation, “foreign bank” means a commercial bank registered outside the People's Republic of China and approved or licensed by the financial regulatory authority of the country or region where it is located. 本条例所称外国银行,是指在中华人民共和国境外注册并经所在国家或者地区金融监管当局批准或者许可的商业银行。
Article 4 A foreign-funded bank must comply with the laws and regulations of the People's Republic of China, and shall not cause any damage to the national interest or public interest of the People's Republic of China.   第四条 外资银行必须遵守中华人民共和国法律、法规,不得损害中华人民共和国的国家利益、社会公共利益。
The regular activities and lawful rights and interests of foreign-funded banks shall be protected by the law of the People's Republic of China. 外资银行的正当活动和合法权益受中华人民共和国法律保护。
Article 5 The banking regulatory authority of the State Council and its local offices (hereinafter together referred to as the “banking regulatory authorities”) shall be responsible for the supervision and administration of foreign-funded banks and their activities. If any other regulatory department or authority conducts the supervision and administration of foreign-funded banks and their activities under any law or administrative regulation, such a law or administrative regulation shall prevail.   第五条 国务院银行业监督管理机构及其派出机构(以下统称银行业监督管理机构)负责对外资银行及其活动实施监督管理。法律、行政法规规定其他监督管理部门或者机构对外资银行及其活动实施监督管理的,依照其规定。
Article 6 The banking regulatory authority of the State Council shall, according to the regional economic development strategies and the relevant policies of the state, develop the relevant incentives and guiding measures, and implement them with the approval of the State Council.   第六条 国务院银行业监督管理机构根据国家区域经济发展战略及相关政策制定有关鼓励和引导的措施,报国务院批准后实施。
Chapter II Formation and Registration 

第二章 设立与登记

Article 7 The formation of foreign-funded banks and their branches shall be subject to the approval of the banking regulatory authorities.   第七条 设立外资银行及其分支机构,应当经银行业监督管理机构审查批准。
Article 8 The minimum amount of the registered capital of a wholly foreign-funded bank or a Chinese-foreign equity joint venture bank shall be 1 billion yuan yuan or an equivalent in freely convertible currency. The registered capital shall be paid-in capital.   第八条 外商独资银行、中外合资银行的注册资本最低限额为10亿元人民币或者等值的自由兑换货币。注册资本应当是实缴资本。
The head office of a wholly foreign-funded bank or a Chinese-foreign equity joint venture bank shall provide, free of charge, a branch formed within the territory of the People's Republic of China with working capital in RMB or freely convertible currency, but the sum of working capital provided for all of its branch offices shall not exceed 60% of the total capital of the head office. 外商独资银行、中外合资银行在中华人民共和国境内设立的分行,应当由其总行无偿拨给人民币或者自由兑换货币的营运资金。外商独资银行、中外合资银行拨给各分支机构营运资金的总和,不得超过总行资本金总额的60%。
The head office of a foreign bank shall provide, free of charge, a branch of the foreign bank with operating capital of not less than 200 million yuan or an equivalent in freely convertible currency. 外国银行分行应当由其总行无偿拨给不少于2亿元人民币或者等值的自由兑换货币的营运资金。
The banking regulatory authority of the State Council may, according to the scopes of business of for-profit foreign-funded banks and as needed in prudential supervision, increase the minimum amount of registered capital or operating capital, and prescribe the proportion of RMB therein. 国务院银行业监督管理机构根据外资银行营业性机构的业务范围和审慎监管的需要,可以提高注册资本或者营运资金的最低限额,并规定其中的人民币份额。
Article 9 A shareholder of a wholly foreign-funded bank or a Chinese-foreign equity joint venture bank to be formed or a foreign bank to form a branch or representative office shall meet the following conditions:   第九条 拟设外商独资银行、中外合资银行的股东或者拟设分行、代表处的外国银行应当具备下列条件:
(1) Having sustained profitability, having a good credit standing, and having no record of any serious violation of laws and regulations. (一)具有持续盈利能力,信誉良好,无重大违法违规记录;
(2) In the case of a shareholder of a wholly foreign-funded bank to be formed, a foreign shareholder of a Chinese-foreign equity joint venture bank to be formed, or a foreign bank to form a branch or representative office, having experience in engaging in international financial activities. (二)拟设外商独资银行的股东、中外合资银行的外方股东或者拟设分行、代表处的外国银行具有从事国际金融活动的经验;
(3) Having effective anti-money laundering rules. (三)具有有效的反洗钱制度;
(4) In the case of a shareholder of a wholly foreign-funded bank to be formed, a foreign shareholder of a Chinese-foreign equity joint venture bank to be formed, or a foreign bank to form a branch or representative office, being effectively regulated by the financial regulatory authority of the country or region where it is located, and having obtained an approval of its application from the financial regulatory authority of the country or region where it is located. (四)拟设外商独资银行的股东、中外合资银行的外方股东或者拟设分行、代表处的外国银行受到所在国家或者地区金融监管当局的有效监管,并且其申请经所在国家或者地区金融监管当局同意;
(5) Other prudential conditions as prescribed by the banking regulatory authority of the State Council. (五)国务院银行业监督管理机构规定的其他审慎性条件。
The country or region where a shareholder of a wholly foreign-funded bank to be formed, a foreign shareholder of a Chinese-foreign equity joint venture bank to be formed, or a foreign bank to form a branch or representative office is located shall have a sound financial regulatory system, and the financial regulatory authority thereof has established a sound supervision cooperation mechanism with the banking regulatory authority of the State Council. 拟设外商独资银行的股东、中外合资银行的外方股东或者拟设分行、代表处的外国银行所在国家或者地区应当具有完善的金融监督管理制度,并且其金融监管当局已经与国务院银行业监督管理机构建立良好的监督管理合作机制。
Article 10 A shareholder of a wholly foreign-funded bank shall be a financial institution. In addition to the conditions as set out in Article 9 of this Regulation, the sole or controlling shareholder thereof shall meet the following conditions:   第十条 拟设外商独资银行的股东应当为金融机构,除应当具备本条例第九条规定的条件外,其中唯一或者控股股东还应当具备下列条件:
(1) It is a commercial bank. (一)为商业银行;
(2) Its capital adequacy ratio satisfies the requirements of the financial regulatory authority of the country or region where it is located and the banking regulatory authority of the State Council. (二)资本充足率符合所在国家或者地区金融监管当局以及国务院银行业监督管理机构的规定。
Article 11 Among the shareholders of a Chinese-foreign equity joint venture bank to be formed, in addition to meeting the conditions as set out in Article 9 of this Regulation, a foreign shareholder shall be a financial institution, and the sole or principal foreign shareholder shall also meet the following conditions:   第十一条 拟设中外合资银行的股东除应当具备本条例第九条规定的条件外,其中外方股东应当为金融机构,且外方唯一或者主要股东还应当具备下列条件:
(1) It is a commercial bank; (一)为商业银行;
(2) Its capital adequacy ratio satisfies the requirements of the financial regulatory authority of the country or region where it is located and the banking regulatory authority of the State Council. (二)资本充足率符合所在国家或者地区金融监管当局以及国务院银行业监督管理机构的规定。
Article 12 To form a branch, a foreign bank shall, in addition to meeting the conditions as set out in Article 9 of this Regulation, satisfy the requirements of the financial regulatory authority of the country or region where it is located and the banking regulatory authority of the State Council regarding its capital adequacy ratio.   第十二条 拟设分行的外国银行除应当具备本条例第九条规定的条件外,其资本充足率还应当符合所在国家或者地区金融监管当局以及国务院银行业监督管理机构的规定。
Article 13 Where a foreign bank has formed any for-profit institution within the territory of the People's Republic of China, it shall not form any representative office in addition to the existing representative offices, unless the additional representative office is to be formed in a region which satisfies the regional economic development strategies and the relevant policies of the state.   第十三条 外国银行在中华人民共和国境内设立营业性机构的,除已设立的代表处外,不得增设代表处,但符合国家区域经济发展战略及相关政策的地区除外。
Where a representative office is restructured into a for-profit institution upon approval, the representative office shall undergo the deregistration formalities as legally required. 代表处经批准改制为营业性机构的,应当依法办理原代表处的注销登记手续。
Article 14 To form a for-profit foreign-funded bank, the applicant shall first apply for formation preparation, and submit the following application materials to the banking regulatory authority at the place where the institution is to be located:   第十四条 设立外资银行营业性机构,应当先申请筹建,并将下列申请资料报送拟设机构所在地的银行业监督管理机构:
(1)A written application, containing the name, location, registered capital or operating capital, and types of business, among others, of the institution to be formed. (一)申请书,内容包括拟设机构的名称、所在地、注册资本或者营运资金、申请经营的业务种类等;
(2)A feasibility study report. (二)可行性研究报告;
(3) The draft bylaws of the wholly foreign-funded bank or the Chinese-foreign equity joint venture bank to be formed. (三)拟设外商独资银行、中外合资银行的章程草案;
(4)A contract signed by all shareholders of the wholly foreign-funded bank or the Chinese-foreign equity joint venture bank to be formed regarding the operation of the bank to be formed. (四)拟设外商独资银行、中外合资银行各方股东签署的经营合同;
(5)The bylaws of each shareholder of the wholly foreign-funded bank or the Chinese-foreign equity joint venture bank to be formed or the bylaws of the foreign bank to form a branch. (五)拟设外商独资银行、中外合资银行的股东或者拟设分行的外国银行的章程;
(6) The organizational structure charts of each shareholder of the wholly foreign-funded bank or the Chinese-foreign equity joint venture bank to be formed and the group to which it belongs or the organizational structure charts of the foreign bank to form a branch and the group to which it belongs, a list of principal shareholders, and a list of overseas branch offices and affiliates. (六)拟设外商独资银行、中外合资银行的股东或者拟设分行的外国银行及其所在集团的组织结构图、主要股东名单、海外分支机构和关联企业名单;
(7) The annual reports for the last three years of each shareholder of the wholly foreign-funded bank or the Chinese-foreign equity joint venture bank to be formed or the annual reports for the last three years of the foreign bank to form a branch. (七)拟设外商独资银行、中外合资银行的股东或者拟设分行的外国银行最近3年的年报;
(8)The anti-money laundering rules of each shareholder of the wholly foreign-funded bank or the Chinese-foreign equity joint venture bank to be formed or the anti-money laundering rules of the foreign bank to form a branch. (八)拟设外商独资银行、中外合资银行的股东或者拟设分行的外国银行的反洗钱制度;
(9) A photocopy of the business license or financial business permit issued by the financial regulatory authority of the country or region where each shareholder of the wholly foreign-funded bank to be formed, each foreign shareholder of the Chinese-foreign equity joint venture bank to be formed, or the foreign bank to form a branch is located and a written opinion thereof on its application. (九)拟设外商独资银行的股东、中外合资银行的外方股东或者拟设分行的外国银行所在国家或者地区金融监管当局核发的营业执照或者经营金融业务许可文件的复印件及对其申请的意见书;
(10) Other materials as required by the banking regulatory authority of the State Council. (十)国务院银行业监督管理机构规定的其他资料。
The banking regulatory authority at the place where the institution is to be located shall submit the application materials and its examination opinions to the banking regulatory authority of the State Council in a timely manner. 拟设机构所在地的银行业监督管理机构应当将申请资料连同审核意见,及时报送国务院银行业监督管理机构。
Article 15 The banking regulatory authority of the State Council shall, within six months of receipt of complete application materials for the formation of a for-profit foreign-funded bank, make a decision to approve or disapprove the application, and notify the applicant in writing of the decision. In the case of disapproval, reasons shall be explained.   第十五条 国务院银行业监督管理机构应当自收到设立外资银行营业性机构完整的申请资料之日起6个月内作出批准或者不批准筹建的决定,并书面通知申请人。决定不批准的,应当说明理由。
If, under special circumstances, the banking regulatory authority of the State Council is unable to complete examination and make a decision to approve or disapprove an application during the period prescribed in the preceding paragraph, it may appropriately extend the period of examination, but the applicant shall be notified of the extension in writing, and the extension may not exceed three months. 特殊情况下,国务院银行业监督管理机构不能在前款规定期限内完成审查并作出批准或者不批准筹建决定的,可以适当延长审查期限,并书面通知申请人,但延长期限不得超过3个月。
The applicant shall, on the basis of the approval document for formation preparation, obtain an application form for business opening from the banking regulatory authority at the place where the institution is to be located. 申请人凭批准筹建文件到拟设机构所在地的银行业监督管理机构领取开业申请表。
Article 16 The applicant shall complete formation preparation within six months from the day when the application for formation preparation is approved. If the applicant fails to complete the preparatory work within the prescribed period, it shall provide an explanation, and the period may be extended by three months with the approval of the banking regulatory authority at the place where the institution is to be located. If the applicant still fails to complete the preparatory work within the extension, the decision of the banking regulatory authority of the State Council to approve its application for formation preparation shall be invalidated automatically.   第十六条 申请人应当自获准筹建之日起6个月内完成筹建工作。在规定期限内未完成筹建工作的,应当说明理由,经拟设机构所在地的银行业监督管理机构批准,可以延长3个月。在延长期内仍未完成筹建工作的,国务院银行业监督管理机构作出的批准筹建决定自动失效。
Article 17 After the preparatory work is completed and passes the acceptance check, the applicant shall submit the completed application form for business opening and the following materials to the banking regulatory authority at the place where the institution is to be located:   第十七条 经验收合格完成筹建工作的,申请人应当将填写好的开业申请表连同下列资料报送拟设机构所在地的银行业监督管理机构:
(1) A name list and resumes of the principal persons in charge of the institution to be formed. (一)拟设机构的主要负责人名单及简历;
(2) Power of attorney to the principal persons in charge of the institution to be formed. (二)对拟任该机构主要负责人的授权书;
(3) A capital verification certification issued by a statutory capital verification agency. (三)法定验资机构出具的验资证明;
(4) Materials on the safety protective measures and other facilities related to business. (四)安全防范措施和与业务有关的其他设施的资料;
(5) In the case of a foreign bank to form a branch, a letter of guarantee issued by the foreign bank to assume liabilities for the taxes and obligations of the branch to be formed. (五)设立分行的外国银行对该分行承担税务、债务的责任保证书;
(6) Other materials as required by the banking regulatory authority of the State Council. (六)国务院银行业监督管理机构规定的其他资料。
The banking regulatory authority at the place where the institution is to be located shall submit the application materials and its examination opinion to the banking regulatory authority of the State Council in a timely manner. 拟设机构所在地的银行业监督管理机构应当将申请资料连同审核意见,及时报送国务院银行业监督管理机构。
Article 18 The banking regulatory authority of the State Council shall, within two months of receipt of the complete application materials for business opening, make a decision to approve or disapprove the application, and notify the applicant in writing of the decision. In the case of approval, it shall issue a financial business permit to the applicant. In the case of disapproval, reasons shall be explained.   第十八条 国务院银行业监督管理机构应当自收到完整的开业申请资料之日起2个月内,作出批准或者不批准开业的决定,并书面通知申请人。决定批准的,应当颁发金融许可证;决定不批准的,应当说明理由。
Article 19 After a for-profit foreign-funded bank has been formed upon approval, it shall, on the basis of the financial business permit, undergo the registration procedure with the administration for market regulation, and obtain a business license.   第十九条 经批准设立的外资银行营业性机构,应当凭金融许可证向市场监督管理部门办理登记,领取营业执照。
Article 20 To form a representative office of a foreign bank, the applicant shall submit the following application materials to the banking regulatory authority at the place where the representative office is to be located:   第二十条 设立外国银行代表处,应当将下列申请资料报送拟设代表处所在地的银行业监督管理机构:
(1) A written application, containing the name and location, among others, of the representative office to be formed. (一)申请书,内容包括拟设代表处的名称、所在地等;
(2) A feasibility study report. (二)可行性研究报告;
(3) The applicant's bylaws. (三)申请人的章程;
(4) The organizational structure charts of the applicant and the group to which it belongs, a list of principal shareholders, and a list of overseas branch offices and affiliates.
......
 (四)申请人及其所在集团的组织结构图、主要股东名单、海外分支机构和关联企业名单;
......

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