银行业监督管理法(中英文对照)

行业监督管理机构依照法律、行政法规制定。

Article 21 The rules for prudent operations governing the banking

financial institutions may be provided for in the laws and

administrative regulations, and may

6

also be formulated by the banking supervision institution of the

State Council in accordance with the laws and administrative regulations.

前款规定的审慎经营规 则，包括风险管理、内部控制、资本充足率、资产质

量、损失准备

金、风险集中、关联交易、资产流动性等内容。

The term

preceding paragraph covers the risk management, internal control,

capital adequacy ratio, quality of capital, loss reserve fund, risk

concentration, related transactions and liquidity of assets, etc.

银行业金融机构应当严格遵守审慎经营规则。

All banking financial institutions shall strictly abide by the rules

for prudent operations.

第二十二条

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国务院银行业监督管理机构应当在规定的期限，对下列申请事项

作 出批准或者

不批准的书面决定

;

决定不批准的，应当说明理由

:

Article 22 The banking supervision institution of the State Council

shall, within the prescribed time limit, make a written decision about

approving or disapproving any of the following items; if it decides to

disapprove, it shall give the reasons:

(

一

)

银行业金融机构的设立，自收到申请文件之日起六个月内

;

(1) The establishment of a banking financial institution, within 6

months from the day when the application documents are received;

(

二

)

银行业金融机构的变更、终止，以及业务范围和增加业务范围内的业务品

种，自收

到申请文件之日起三个月内

;

(2) The modification or termination, the operation scope and the

operations added to the operation scope of a banking financial

institution, within 3 months from the day when the application documents

are received;

(

三

)

审查董事和高级管理人员的任职资格，自收到申请文件之日起 三十日内。

(3) The examination of the qualifications of the directors and

senior managerial personnel, within 30 days from the day when the

application documents are received.

第二十三条

银行业监督管理机构应当 对银行业金融机构的业务活动及其风险

状况进行非

构的风险状况。

Article 23 The banking supervision institutions shall conduct non-

on-site supervision over the operations and risk status of the banking

financial institutions,

7

shall establish banking financial institution supervision

information system, and shall analyze and evaluate the risk status of

banking financial institutions.

第二十四条

银行业监督管理机构应当对银行业金融机构的业务活动及其风险

状况进行现

场检查。

Article 24 A banking supervision institution shall conduct on-site

inspection on the operations and risk status of the banking financial

institutions.

国务院银行业监督管理机构应 当制定现场检查程序，规范现场检查行为。

The banking supervision institution of the State Council shall

formulate on-site inspection procedures, and regulate on-site

inspections.

第二十五条

国务院银行业监督管理机 构应当对银行业金融机构实行并表监督

管理。

Article 25 The banking supervision institution of the State Council

shall adopt consolidated financial statements in conducting supervision

over the banking financial institutions.

第二十六条

国务院银行业监督管理机 构对中国人民银行提出的检查银行业金

融机构的建

议，应当自收到建议之日起三十日内予以回复。

Article 26 With regard to the advice given by the People''s Bank of

China about the inspection on banking financial institutions, the

banking supervision institution of the State Council shall make a reply

within 30 days from the day it receives the advice.

第二十七条

国务院银行业监督管理机构应当建立银行业金融机构监督管理评

级体系和风

险预警机制，根据银行业金融机构的评级情况和风 险状况，确定对其现场检查

的频率、范围和

需要采取的其他措施。

Article 27 The banking supervision institution of the State Council

shall establish a banking financial institution supervision grade

evaluation system and a risk pre-warning system. It shall, in light of

the grade and the risk situation of a banking financial institution,

determine the frequency and scope of on-site inspections, and other

necessary measures.

第二十八条

国务院银行业监督管理机 构应当建立银行业突发事件的发现、报

告岗位责任制

度。

Article 28 The banking supervision institution of the State Council

shall establish a post responsibility system for the discovery and

reporting of banking emergencies.

8

银行业监督管理机构发现可能引发系统性银行业风险、严 重影响社会稳定的突

发事件的，

应当 立即向国务院银行业监督管理机构负责人报告

;

国务院银行业监 督管理机

构负责人认为需

要向国务院 报告的，应当立即向国务院报告，并告知中国人民银行、国务院财

政部门等有关部

门。

Where a banking supervision institution discovers an emergency may

result in a systematic banking risk or may seriously affect the

stability of the society, it shall immediately report to the person- in-

charge of the banking supervision institution of the State Council. If

the person-in-charge considers it necessary to report to the State

Council, it shall report to the State Council at once, and shall inform

the People''s Bank of China, the finance department of the State Council

and other relevant departments.

第二十九条

< br>国务院银行业监督管理机构应当会同中国人民银行、国务院财政

部门等有关部

门建立银行业突发事件处置制度，制定银行业突发事件处置预案， 明确处置机

构和人员及其职

责、处置措施和处置程序，及时、有效地处置银行业突发事件。

Article 29 The banking supervision institution shall, jointly with

the People''s Bank of China, the finance department of the State Council

and other relevant departments, shall establish a banking emergency

handling system, formulate a banking emergency disposal plan and clearly

specify the handing institutions, the personnel and their duties, the

measures and procedures so as to timely and effectively handle any

banking emergencies.

第三十条

国务院银行业监督管理机构负责统一编制全国银行业金融机构的统

计数据、报

表，并按照国家有关规定予以公布。

Article 30 The banking supervision institution of the State Council

shall be responsible for the making of unified statistics and statements

of the nationwide banking financial institutions, and shall announce

them in accordance with relevant regulations of the State.

第三十一条

国务院银行业监督管理机 构对银行业自律组织的活动进行指导和

监督。

Article 31 The banking supervision institution of the State Council

shall guide and supervise the activities of the banking self-

disciplinary organizations.

银行业自律组织的章程应当报国务院银行业监督管理机构备案。

The constitution of any banking self- disciplinary organization shall

be submitted

9

to the banking supervision institution of the State Council for

archival purposes.

第三十二条

国务院银行业监督管理机 构可以开展与银行业监督管理有关的国

际交流、合作