中华人民共和国外资银行管理条例（2019年修订）中英文对照
2020-06-27 00:01阅读：
中华人民共和国外资银行管理条例（2019年修订）
Regulations of the People's Republic of China on the
Administration of Foreign-funded Banks (Amended in
2019)
第一章 总 则
CHAPTER I — GENERAL PRINCIPLES
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 1. These Regulations are formulated for the purposes of
adapting to the requirements of opening-up and economic
development, strengthening and enhancing supervision and
administration of foreign-funded banks and promoting stable
operations of the banking industry.
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：
（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；
（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；
（三）外国银行分行；
（四）外国银行代表处。
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 2. Foreign-funded banks referred to in these Regulations
shall mean the following institutions which are approved to be
established in the People's Republic o
f China pursuant to the relevant laws and regulations of the
People's Republic of China:
(1) a wholly foreign-funded bank that is established solely by a
foreign bank, or established by the foreign bank jointly with other
foreign financial institutions;
(2) a Sino-foreign joint venture bank that is established jointly
by foreign financial institutions and Chinese companies or
enterprises;
(3) a branch of a foreign bank;
(4) a representative office of a foreign bank.
The institutions mentioned in items (1) to (3) of the preceding
paragraph shall hereinafter be collectively referred to as
'foreign-funded banking business institutions'.
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。
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 3. A foreign financial institution referred to in these
Regulations shall mean a financial institution that is registered
outside the People's Republic of China and approved or licensed by
the finance regulatory authorities of the country or region where
it originated.
A foreign bank referred to in these Regulations shall mean a
commercial bank that is registered outside the People's Republic of
China and approved or licensed by the finance regulatory
authorities of the country or region where it originated.
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。
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 4. Foreign-funded banks shall comply with the laws and
regulations of the People's Republic of China and shall not damage
the national and public interests of the People's Republic of
China.
The legitimate activities and legal rights and interests of
foreign-funded banks will be protected by the law of the People's
Republic of China.
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 5. The banking supervision and regulatory authorities of
the State Council and its agencies (hereinafter referred to as the
'banking supervision and regulatory authorities') shall be
responsible for the supervision and administration of
foreign-funded banks and their activities. Where the administrative
regulations provide for other supervision and administrative
authorities to implement supervision and administration over
foreign-funded banks and their activities, such provisions shall
prevail.
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。
Article 6. The banking supervision and regulatory authorities of
the State Council shall formulate the relevant incentives and
guiding measures pursuant to the State's regional economic
development strategy and the relevant policies for the State
Council's approval before implementation.
第二章 设立与登记
CHAPTER II — ESTABLISHMENT AND
REGISTRATION
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 7. The establishment of a foreign-funded bank and its
branches shall be subject to the banking supervision and regulatory
authorities' examination and approval.
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。
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%。
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。
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 8.The minimum registered capital of a wholly foreign-funded
bank and a Sino-foreign joint venture bank shall be RMB1 billion or
an equivalent amount in freely convertible currency. The registered
capital shall be fully paid-up.
Where a wholly foreign-funded bank or a Sino-foreign joint venture
bank establishes a branch within the territory of the People's
Republic of China, the head office of the wholly foreign-funded
bank or of the Sino-foreign joint venture bank shall allocate a
non-returnable RMB working capital or an equivalent amount in
freely convertible currency. The total working capital allocated by
the wholly foreign-funded bank or the Sino-foreign joint venture
bank to its branches shall not exceed 60% of the total capital
funds of the head office thereof.
The head office of a foreign bank shall make a non-returnable
working capital allocation of not less than RMB200 million or an
equivalent amount in freely convertible currency to its
branch.
The banking supervision and regulatory authorities of the State
Council may raise the minimum amount of registered capital or
working capital and set the amount of Renminbi portion thereto,
pursuant to the scope of business and prudent regulatory
requirements of a foreign-funded banking business
institution.
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：
（一）具有持续盈利能力，信誉良好，无重大违法违规记录；
（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；
（三）具有有效的反洗钱制度；
（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；
（五）国务院银行业监督管理机构规定的其他审慎性条件。
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 9. A shareholder who proposes to establish a wholly
foreign-funded bank or Sino-foreign joint venture bank, or, a
foreign bank that proposes to establish a branch or representative
office, shall satisfy the following requirements:
(1) possess the ability to be continually profitable and enjoy a
good reputation with no record of a major violation of law or
regulation;
(2) the foreign shareholder who proposes to establish a wholly
foreign-funded bank or Sino-foreign joint venture bank, or, the
foreign bank that proposes to set up a branch or representative
office shall have experience in international finance
activities;
(3) is equipped with an effective anti-money laundering
system;
(4) the foreign shareholder who proposes to establish a wholly
foreign-funded bank or Sino-foreign joint venture bank, or, the
foreign bank that proposes to set up a branch or representative
office is properly regulated by the finance regulatory authorities
of the country or region where it originated, and its application
to establish is approved by the said finance regulatory
authorities; and
(5) complies with other requirements of prudence as stipulated by
the banking supervision and regulatory authorities of the State
Council.
The country or region of origin, of where the foreign shareholder
who proposes to establish a wholly foreign-funded bank or
Sino-foreign joint venture bank, or, the foreign bank that proposes
to set up a branch or representative office is located, must have a
comprehensive system of finance supervision and administration, and
the finance regulatory authorities must have established a
favourable mechanism of cooperation with the banking supervision
and regulatory authorities of the State Council.
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：
（一）为商业银行；
（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 10. The shareholder to a proposed wholly foreign-funded
bank shall be a financial institution, and in addition to
satisfying the requirements stipulated in Article 9, the sole or
controlling shareholder shall satisfy the following criteria:
(1) be a commercial bank; and
(2) has a capital adequacy ratio that complies with the provisions
of both the finance regulatory authorities in the country or region
where it originated and the banking supervision and regulatory
authorities of the State Council.
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：
（一）为商业银行；
（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. The shareholders of a proposed Sino-foreign equity
joint venture bank shall satisfy the criteria stipulated in Article
9 of these Regulations; the foreign shareholders therein shall be a
financial institution, and the sole foreign shareholder or key
shareholder shall also satisfy the following criteria:
'(1) be a commercial bank; and
'(2) the capital adequacy ratio complies with the provisions of
both the finance regulatory authorities in its home country or
region and the banking regulatory department of the State
Council.
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 12 A foreign bank that proposes to set up a branch shall,
in addition to satisfying the requirements under Article 9, have a
capital adequacy ratio that complies with the provisions of both
the finance regulatory authorities in its home country or region
and the banking regulatory department of the State Council.
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。
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 13. A foreign bank that has established a business
institution other than a representative office in the People's
Republic of China shall not establish an additional representative
office, unless its application complies with the regional economic
development strategy of the State and the relevant policies.
Where a representative office is approved to be restructured into a
business institution, deregistration formalities shall be completed
for the original representative office.
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：
（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；
（二）可行性研究报告；
（三）拟设外商独资银行、中外合资银行的章程草案；
（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；
（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；
（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；
（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；
（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；
（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；
（十）国务院银行业监督管理机构规定的其他资料。
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 14. A preparation application must be made in order to
establish a foreign-funded banking business institution, and the
following application materials must be submitted to the banking
supervision and regulatory authorities where the proposed
institution is located:
(1) an application form which sets out the name of the proposed
institution, the location, the registered capital or working
capital, and the types of business operations;
(2) a feasibility study report;
(3) the draft articles of association of the proposed wholly
foreign-funded bank or Sino-foreign joint venture bank;
(4) the business contract entered into by the shareholders to the
proposed wholly foreign-funded bank or proposed Sino-foreign joint
venture bank;
(5) the articles of association of the shareholders to the proposed
wholly foreign-funded bank or proposed Sino-foreign joint venture
bank, or, the articles of association of the foreign bank proposing
to set up a branch;
(6) the organisational structure chart, list of key shareholders,
list of overseas branches and associated enterprises of the
shareholders to the proposed wholly foreign-funded bank or proposed
Sino-foreign joint venture bank, or, the organisational structure
chart, list of key shareholders, list of overseas branches and
associated enterprises of the foreign bank proposing to set up a
branch and its group;
(7) the annual reports for the last three years of the shareholders
to the proposed wholly foreign-funded bank or proposed Sino-foreign
joint venture bank, or, the annual reports for the last three years
of the foreign bank proposing to set up a branch;
(8) the anti-money laundering system of the shareholders to the
proposed wholly foreign-funded bank or proposed Sino-foreign joint
venture bank, or, the anti-money laundering system of the foreign
bank proposing to set up a branch;
(9) photocopies of the business licence or finance business permit
and the written opinion in respect of the application as issued by
the finance regulatory authorities of the country or region where a
foreign shareholder of the proposed wholly foreign-funded bank or
proposed Sino-foreign joint venture bank originated, or,
photocopies of the business licence or finance business permit and
the written opinion of the application as issued by the finance
regulatory authorities of the country or region where the foreign
bank proposing to set up a branch originated; and
(10) any other material stipulated by the banking supervision and
regulatory authorities of the State Council.
The banking supervision and regulatory authorities at where the
proposed institution is located shall submit the application
materials and its examination opinion promptly to the banking
supervision and regulatory authorities of the State Council.
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。
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。
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 15. The banking supervision and regulatory authorities of
the State Council shall, upon receipt of the complete application
materials for the preparatory establishment of a foreign-funded
banking business institution, decide whether to approve or not to
approve the application within six months, and notify the applicant
in writing. Reasons shall be given for applications that are not
approved.
Under special circumstances where the banking supervision and
regulatory authorities of State Council is unable to complete
examination and decide whether to approve or not to approve a
preparatory establishment application within the period stipulated
in the preceding paragraph, the examination period may be extended
accordingly and the applicant shall be notified in writing, but the
extension shall not exceed a period of three months.
The applicant shall present the approved preparatory establishment
documents to the banking supervision and regulatory authorities at
the place where the proposed institution to be established is
located, to obtain the commencement of business application
form.
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