银行业监督管理法
LawofthePeople'sRepublicofChinaonRegulationofandSupervisionovertheBankingIndustry(Adoptedatthe6thMeetingoftheStandingCommitteeoftheTenthNationalPeople'sCongressonDecember27,2003andpromulgatedbyOrderNo.11ofthePresidentofthePeople'sRepublicofChinaonDecember27,2003)ContentsChapter I GeneralProvisionsChapter II TheRegulatoryAuthorityChapter III RegulatoryandSupervisoryResponsibilitiesChapter IV SupervisoryMeasuresChapter V LegalResponsibilityChapter VI SupplementaryProvisionsChapterIGeneralProvisionsArticle 1 Thislawisenactedwithaviewtoimprovingregulationofandsupervisionoverthebankingindustry,standardizingsuchregulationandsupervision,preventingandmitigatingrisksinthebankingindustry,protectingthelawfulrightsandinterestsofdepositorsandothercustomers,andpromotingthesounddevelopmentofthebankingindustry.Article 2 ThebankingregulatoryauthorityundertheStateCouncilshallberesponsiblefortheregulationofandsupervisionoverthefinancialinstitutionsofthebankingindustryandtheirbusinessoperationsthroughoutthecountry.Forpurposesofthislaw,the"financialinstitutionsofthebankingindustry"refertothefinancialinstitutionsestablishedinthePeople'sRepublicofChinathatreceivedepositsfromthegeneralpublic,including,amongothers,commercialbanks,urbancreditcooperativesandruralcreditcooperatives,andpolicybanks.TheprovisionsofthisLawpertainingtotheregulationofandsupervisionoverthefinancialinstitutionsofthebankingindustryareapplicabletotheregulationandsupervisionofthefinancialassetmanagementcompanies,trustandinvestmentcorporations,financecompaniesandfinancialleasingcompaniesestablishedintheterritoryofthePeople'sRepublicofChinaandotherfinancialinstitutionsestablishedwiththeapprovalofthebankingregulatoryauthorityundertheStateCouncil.ThebankingregulatoryauthorityundertheStateCouncilshall,inaccordancewiththerelevantprovisionsofthisLaw,regulateandsupervisethefinancialinstitutionsthat,uponitsapproval,areestablishedoutsidethePeople'sRepublicofChina,aswellasthebusinessoperationsconductedabroadbythefinancialinstitutionsmentionedintheprecedingtwoparagraphs.Article 3 Theobjectivesofregulationofandsupervisionoverthebankingindustryaretopromotethelawful,soundandsteadyoperationofthebankingindustryandpreservepublictrustintheindustry.Thebankingindustryshallberegulatedandsupervisedinsuchawayastoprotectfaircompetitionintheindustryandincreasethecompetitivenessoftheindustry.Article 4 Whenexercisingregulationandsupervision,thebankingregulatoryauthorityshallfollowtheprinciplesoflaw-abidingopenness,impartialityandefficiency.Article 5 Performanceofthedutiesofsupervisioninaccordancewithlawbybankingregulatoryauthorityanditsstaffmembersengagedinsupervisionshallbeprotectedbylaw.Localgovernments,governmentdepartmentsatvariouslevels,publicorganizationsandindividualsshallnotinterfere.Article 6 ThebankingregulatoryauthorityundertheStateCouncilshallestablishamechanismwiththePeople'sBankofChinaandotherfinancialregulatoryauthoritiesundertheStateCouncilforsharingsupervisoryinformation.Article 7 ThebankingregulatoryauthorityundertheStateCouncilmayestablishacooperativemechanismofsupervisionwiththebankingregulatoryauthoritiesinothercountriesorregionsforcross-bordersupervision.Chapter IITheRegulatoryAuthorityArticle8Inlightoftheneedtoperformitsduties,thebankingregulatoryauthorityundertheStateCouncilmaysetuplocaloffices.Itshallexerciseunifiedleadershipandadministrationofsuchoffices.ThelocalofficesofthebankingregulatoryauthorityundertheStateCouncilshallperformtheirsupervisorydutieswithinthescopeauthorizedbythesaidauthority.Article9Thestaffmembersofthebankingregulatoryauthoritywhoareengagedinsupervisionshallhavetheprofessionalknowledgeandworkexperiencecommensuratewiththepositionstheyareholding.Article10Staffmembersofthebankingregulatoryauthorityshallbedevotedtotheirduties,actinaccordancewithlawandbeimpartialandhonest;theyshallnottakeadvantageoftheirpositionstoseekillegitimatebenefits,orconcurrentlyholdpositionsinenterprisessuchasfinancialinstitutions.Article11Staffmembersofthebankingregulatoryauthorityshall,inaccordancewithlaw,guardStatesecrets,anditisincumbentuponthemtoguardthesecretsofthefinancialinstitutionsofthebankingindustryandofthepartiessubjecttotheirsupervision.Forexchangingsupervisoryinformationwiththebankingregulatoryauthoritiesofothercountriesandregions,thebankingregulatoryauthorityundertheStateCouncilshallmakearrangementsforpreservingtheconfidentialityofinformation.Article12ThebankingregulatoryauthorityundertheStateCouncilshallmakepublicitssupervisoryprocedures,andestablishasupervisoryresponsibilitysystemandaninternalsupervisorysystem.Article13Localgovernmentsandtherelevantgovernmentdepartmentsatvariouslevelsshallcooperatewithandprovideassistancetothebankingregulatoryauthoritywhenthelatterdealswithrisksconfrontedbyfinancialinstitutionsofthebankingindustry,investigatesandhandlesviolationsoflawinfinance,andexercisessupervisioninothermanners.Article14Theauditing,supervisoryandotherdepartmentsundertheStateCouncilshall,i