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Order of the State Council
(No. 478)
The Regulation of the People's Republic of China on the Administration of Foreign-funded Banks, which was adopted at the 155th executive meeting of the State Council on November 8, 2006, is hereby promulgated and shall come into force as of December 11, 2006.
Premier Wen Jiabao
November 11, 2006
Regulation of the People's Republic of China on the Administration of Foreign-funded Banks
| | 中华人民共和国国务院令
(第478号)
《中华人民共和国外资银行管理条例》已经2006年11月8日国务院第155次常务会议通过，现予公布，自2006年12月11日起施行。
总理 温家宝
二○○六年十一月十一日
中华人民共和国外资银行管理条例
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Chapter I General Provisions
| | 第一章 总则
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Article 1 This Regulation is formulated to meet the demands for opening to the outside world and for economic development, to strengthen and improve the administration of foreign-funded banks, and to 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。
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Article 2 The term "foreign-funded bank" as mentioned in this Regulation refers to the following institutions established upon approval within the territory of China in accordance with the relevant laws and regulations:
| | 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：
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(1)A solely foreign-funded bank established by a single foreign bank or by one foreign bank and other foreign financial institutions;
| | （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；
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(2)A Sino-foreign equity joint bank established by a foreign financial institution and a Chinese company or enterprise;
| | （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；
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(3)A branch of a foreign bank; and
| | （三）外国银行分行；
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(4)A representative office of a foreign bank.
The institutions as listed in Items (1) to (3) of the preceding Paragraph are hereinafter referred to as business institutions of foreign-funded banks.
| | （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。
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Article 3 The term "foreign-funded financial institution" as mentioned in this Regulation refers to the financial institutions 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.
The term "foreign bank" as mentioned in this Regulation refers to 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.
| | 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。
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Article 4 A foreign-funded bank shall observe the laws and regulations of the People's Republic of China. It shall not impair any state interest of the People's Republic of China or any public interest.
The proper activities and lawful rights and interests of foreign-funded banks shall be protected by the law 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。
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。
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Article 5 The banking regulatory institution of the State Council and its dispatched institutions (hereinafter referred to as the banking regulatory institutions) shall be responsible for the administration of the foreign-funded banks and their activities. If any law or administrative regulation provides otherwise for the administration of foreign-funded banks and their activities, such 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。
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Article 6 The banking regulatory administrative institution of the State Council shall, according to the regional economic development strategies of the State and the relevant policies, work out relevant incentives and directive measures, and implement them upon 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。
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Chapter II Establishment and Register
| | 第二章 设立与登记
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Article 7 The establishment of foreign-funded banks and their branches shall be subject to the examination and approval of the banking regulatory institutions.
| | 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。
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Article 8 The minimum amount of the registered capital of a solely foreign-funded bank or Sino-foreign equity joint bank shall be RMB 1 billion yuan or a freely convertible currency of the equivalent value. The registered capital shall be paid-in capital.
Where a solely foreign-funded bank or a Sino-foreign equity joint bank establishes a branch, its headquarters shall gratuitously allocate to it an operating capital of 100 million yuan or a freely convertible currency of the equivalent value. The aggregate amount of the operating capitals allocated by a solely foreign-funded bank or by a Sino-foreign equity joint bank to its branches shall not exceed 60% of the total capital of the headquarters.
A solely foreign-funded bank or a Sino-foreign equity joint bank shall allocate an operating capital, which is at least 200 million yuan or a freely convertible currency of the equivalent value, to each of the branches.
The banking regulatory institution of the State Council shall, according to the business scope of the business institutions of foreign-funded banks and the need of prudent supervision, may increase the minimum amount of registered capital or operating capital, and clarify the proportion of RMB herein.
| | 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不少于1亿元人民币或者等值的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。
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Article 9 A shareholder that plans to establish a solely foreign-funded bank or a Sino-equity equity joint bank, or a foreign bank that plans to establish a branch or representative office shall meet the following requirements:
| | 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：
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(1)It has the capability of making profits continuously and a good credit standing and does not have any record of gross violation of any law or regulation;
| | （一）具有持续盈利能力，信誉良好，无重大违法违规记录；
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(2)The shareholder that plans to establish a solely foreign-funded bank, the foreign shareholders of a foreign-funded equity joint bank, and the foreign bank that plans to establish a branch or representative office shall have international financial experience;
| | （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；
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(3)It has an effective anti-money laundering system;
| | （三）具有有效的反洗钱制度；
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(4)The shareholder that plans to establish a solely foreign-funded bank, the foreign shareholders of a Sino-foreign equity joint bank, and a foreign bank that plans to establish a branch or representative office shall be under the effective supervision of the financial regulatory authority of the country or region where it is located, and its application shall have been approved by it; and
| | （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；
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(5)Other prudent conditions as prescribed by the banking regulatory institution of the State Council.
The foreign shareholder that plans to establish a solely foreign-funded bank, the foreign shareholders of a Sino-foreign equity joint bank, and a foreign bank that plans to establish a branch or representative office shall have a perfect financial regulatory system, and its financial regulatory authority shall have a good mechanism of cooperation with the banking regulatory institution 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。
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。
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Article 10 A shareholder that plans to establish a solely foreign-funded bank shall be a financial institution. Besides the requirements as described in Article 9 of this Regulation, the unique or controlling shareholder shall satisfy 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：
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(1)It is a commercial bank;
| | （一）为商业银行；
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(2) 2 or more years have lapsed since it established a representative office within the territory of the People's Republic of China;
| | （二）在中华人民共和国境内已经设立代表处2年以上；
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(3) Its total assets at the end of the year prior to the establishment application shall not be any less than US$ 10 billion; and
| | （三）提出设立申请前1年年末总资产不少于100亿美元；
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(4) Its capital adequacy ratio meets the requirements of the financial regulatory authority of the country or region where it is located and of the banking regulatory institution of the State Council.
| | （四）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。
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Article 11 For the shareholders that plan to establish a Sino-foreign equity joint bank, besides the requirements as mentioned in Article 9 of this Regulation, the foreign shareholder and the unique or key Chinese shareholder shall be financial institutions, and the unique or key foreign shareholder shall meet the following requirements:
| | 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，其中外方股东及中方唯一或者主要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：
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(1)It is a commercial bank;
| | （一）为商业银行；
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(2)It has set up a representative office within the territory of the People's Republic of China;
| | （二）在中华人民共和国境内已经设立代表处；
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(3)Its total assets shall not be any less than USD 10 billion at the end of the year prior to the filing of establishment application; and
| | （三）提出设立申请前1年年末总资产不少于100亿美元；
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(4)Its capital adequacy ratio meets the requirements of the financial regulatory authority and the banking regulatory institution of the State Council.
| | （四）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。
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Article 12 To establish a branch, a foreign bank shall not only meet the requirements as described in Article 9 of this Regulation, but also satisfy the following conditions:
| | 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，还应当具备下列条件：
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(1) Its total assets shall not be any less than USD 20 billion at the end of the year prior to the filing of establishment application;
| | （一）提出设立申请前1年年末总资产不少于200亿美元；
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(2)Its capital adequacy ratio meets the requirements of the financial regulatory authority and the banking regulatory institution of the State Council; and
| | （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；
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(3) For the initial establishment of a branch, 2 or more years have lapsed since it established a representative office within the territory of the People's Republic of China.
| | （三）初次设立分行的，在中华人民共和国境内已经设立代表处2年以上。
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Article 13 After a foreign bank has already established a business institution within the territory of the People's Republic of China, it shall not set up any more representative office other than the representative offices already established, except that it establishes a new representative office in a region which satisfies the regional economic development strategies and the relevant policies of the state.
If a representative office is to be changed into a business institution upon approval, it shall go through the formalities for deregistration of the former representative office.
| | 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。
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Article 14 To establish a business institution of a foreign-funded bank, the applicant shall first apply for preparatory establishment and submit the following application materials to the banking regulatory institution of the place where the said institution is to be established:
| | 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：
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(1)An application, which covers the name, address, registered capital or operating capital and categories of business of the institution to be established;
| | （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；
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(2)A feasibility study report;
| | （二）可行性研究报告；
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(3)A draft of the articles of association of the solely foreign-funded bank or Sino-foreign equity joint bank to be established;
| | （三）拟设外商独资银行、中外合资银行的章程草案；
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(4)A business operation contract concluded by all shareholders to a solely foreign-funded bank or Sino-foreign equity joint bank to be established;
| | （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；
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(5)The articles of association of the shareholder(s) to a solely foreign-funded bank or Sino-foreign equity joint bank to be established, or the articles of association of the foreign bank of a branch to be establish;
| | （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；
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(6)A diagram of the organizational structure of the shareholder that plan to establish a solely foreign-funded bank or Sino-foreign equity joint bank, or of the foreign bank that plans to establish a branch and of the conglomerate to which the foreign bank belong, name list of the main shareholders, name list of the overseas branches and connected enterprises;
| | （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；
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(7)The recent 3-year annual statements of the shareholder that plans to establish a solely foreign-funded bank or Sino-foreign equity joint bank or of the foreign bank that plans to establish branches;
| | （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；
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(8)The anti-money laundering system of the shareholder that plans to establish a solely foreign-funded bank or Sino-foreign equity joint bank, or of the foreign bank that plans to establish 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；
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(9) A photocopy of the business license or financial business licensing document which is issued by the financial regulatory authority of the country or region to the shareholder that plans to establish a solely foreign-funded bank, of the foreign shareholder that plans to establish a Sino-foreign equity joint bank, or of the foreign bank that plans to establish a branch,; and
| | （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；
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(10) Other materials as required by the banking regulatory institution of the State Council.
The banking regulatory institution of the place where the financial institution to be established shall send the application materials together with its examination opinions to the banking regulatory institution of the State Council in a timely manner.
| | （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。
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Article 15 The banking regulatory institution of the State Council shall, within 6 months after it receives a complete set of application materials for the establishment of a business institution of a foreign-funded bank, decides to approve or disapprove the preparatory establishment, it shall give a written notice to the applicant. If it makes a decision of disapproval, it shall make an explanation.
Under any special circumstance, if the banking regulatory institution of the State Council is unable to finish the examination and make a decision of approval or disapproval of the preparatory establishment, it may appropriately extend the examination time limit and give a written notice to the applicant about it, but the extension shall not exceed 3 months.
The applicant shall, upon the strength of the document of approval of preparatory establishment, fetch an application form from the banking regulatory institution of the place where the business institution is to be established.
| | 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。
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Article 16 The applicant shall finish the preparatory establishment within 6 months from the date of approval of preparatory establishment. If it fails to finish it within the prescribed time limit, it shall make an explanation but may extend the time limit by 3 months upon approval of the banking regulatory institution of the place where the business institution is to be established. If it fails to finish the preparatory establishment within the extended time limit, the decision of approval of preparatory establishment made by the banking regulatory institution of the State Council 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。
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Article 17 If the preparatory establishment is finished and passes the check, the applicant shall submit a business start application it has filled out, along with the following materials, to the banking regulatory institution of the place where the business institution is to be established:
| | 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：
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(1) A name list and resumes of the key persons-in-charge of the institution to be established;
| | （一）拟设机构的主要负责人名单及简历；
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(2) An authorization to the key persons-in-charge of the institution to be established;
| | （二）对拟任该机构主要负责人的授权书；
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(3) A capital verification certification issued by the statutory capital verification institution;
| | （三）法定验资机构出具的验资证明；
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(4) The safety prevention measures and the materials of other facilities relating to its businesses;
| | （四）安全防范措施和与业务有关的其他设施的资料；
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(5) The guarantee of the foreign bank to establish a branch, which promises to bear the tax and debts of the said branch; and
| | （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；
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(6)Other materials as prescribed by the banking regulatory institution of the State Council.
The banking regulatory institution of the place where the financial institution to be established shall timely submit the application materials, along with the examination opinions, to the banking regulatory institution of the State Council.
| | （六）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。
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Article 18 The banking regulatory institution of the State Council shall, within 2 months after it receives a complete set of business start application materials, make a decision of approval or disapproval of business start and give a written notice to the applicant. If it makes a decision of approval, it shall issue a financial business permit to the applicant. If it makes a decision of disapproval, it shall make an explanation.
| | 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。
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Article 19 After a business institution of a foreign-funded bank has been established upon approval, it shall, upon the strength of the financial business permit, fetch a business license from the administrative organ for industry and commerce.
| | 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工商行政管理机关办理登记，领取营业执照。
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Article 20 To establish a representative office of a foreign bank, the applicant shall submit the following application materials to the banking regulatory institution of the place where the representative office is 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：
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(1)An application, which includes the name and address of the representative office to be established;
| | （一）申请书，内容包括拟设代表处的名称、所在地等；
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(2)A feasibility study report;
| | （二）可行性研究报告；
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(3)The applicant's articles of association;
| | （三）申请人的章程；
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(4)A diagram of the organizational structure of the applicant and the conglomerate to which the applicant belongs to, a name list of the main shareholders, a name list of overseas branches and connected enterprises;
| | （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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(5)The recent 3-year annual statements of the applicant;
．．．．．． | | （五）申请人最近3年的年报；
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