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银行业金融机构进入全国银行间同业拆借市场审核规则 Announcement of the People's Bank of China

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中国人民银行公告[2005]第3号

颁布日期:20050121  实施日期:20050121  颁布单位:中国人民银行

  [2005] No. 3

  The Rules for Approving the Access of Banking Financial Institutions to the Nationwide Inter-Bank Borrowing Market, which have been formulated by the People's Bank of China pursuant to the Law of the People's Republic of China on the People's Bank of China, the Administrative Licensing Law of the People's Republic of China and the Measures of the People's Bank of China for the Implementation of Administrative Licensing, are promulgated hereby for implementation.

  Where any banking financial institution engages in inter-bank borrowing business without being approved for access to the nationwide inter-bank borrowing market, the case shall be reported to the local branch or business management department or the central sub-branch in the provincial capital of the People's Bank of China for archival purposes. And the specific measures shall be formulated separately by the local branch, business management department or the central sub-branch in provincial capital of the People's Bank of China.

  Rules for Approving the Access of Banking Financial Institutions to the Nationwide Inter-Bank Borrowing Market

  Article 1 With the view of regulating the procedures for examination and approval of the applications by the banking financial institutions for access to the nationwide inter-bank borrowing market (hereinafter referred to as the “inter-bank borrowing market), the present Rules are formulated pursuant to the Administrative Licensing Law of the People's Republic of China, the Law of the people's Republic of China on the People's Bank of China and the Law of the People's Republic of China on Commercial Banks.

  Article 2 The term “banking financial institutions” mentioned in the present Rules shall refer to deposit-taking financial institutions, such as commercial banks, urban credit cooperatives and rural credit cooperatives, and policy banks, which are established within the territory of the People's Republic of China.

  Article 3 To apply for access to the inter-bank borrowing market, a banking financial institution established with the approval of the banking regulatory institution under the State Council shall meet the following requirements:

  (1) having a perfect organization structure and a perfect management system;

  (2) having no records of punishment imposed by the People's Bank of China, the banking regulatory institution under the State Council or other competent departments due to its illegal or irregular operation in the past two years;

  (3) no cases of insolvency in the past two years; and

  (4) other requirements as may be provided for by the People's Bank of China.

  To apply for access to the inter-bank borrowing market, a foreign-funded commercial bank must, in addition to the requirements provided for in the preceding paragraph, obtain the approval of the banking regulatory institution under the State Council for undertaking RMB business; an urban credit cooperative applying for access to the inter-bank borrowing market must complete its restructuring; in the case of a rural credit cooperative, the application for access to the inter-bank borrowing market must be made by a county-level cooperative; a policy bank applying for access to the inter-bank borrowing market must have issued bonds in the inter-bank bond market in the manner of marketization.

  If a state-owned commercial bank or a joint-stock commercial bank wishes to authorize any of its first-level branches to enter the inter-bank borrowing market, its headquarters must be a member of the inter-bank borrowing market.

  Article 4 The application of a state-owned commercial bank or a joint-stock commercial bank for access to the inter-bank borrowing market shall be submitted to the headquarter of the People's Bank of China for approval.

  Article 5 To apply for access to the inter-bank borrowing market, a state-owned commercial bank or a joint-stock commercial bank shall submit the following materials to the headquarter of the People's Bank of China:

  (1) an application for access to the inter-bank borrowing market;

  (2) a photocopy of the Financial License;

  (3) a photocopy of the Business License;

  (4) the articles of association;

  (5) the internal control system for capital management;

  (6) the balance sheets and profit and loss statements for the past two years;

  (7) particulars on the department and personnel who take charge of the capital operation; and

  (8) other materials as may be required by the People's Bank of China.

  Article 6 To authorize any of its first-level branches to enter the inter-bank borrowing market, a state-owned commercial bank or a joint-stock commercial bank must submit the following materials to the headquarter of the People's Bank of the China:

  (1) an application for authorizing such first-level branch to enter the inter-bank borrowing market;

  (2) an authorization letter on the access to inter-bank borrowing market and the authorized inter-bank borrowing limit given to such first-level branch;

  (3) the income and expenses form of credit funds of the first-level branch;

  (4) the internal control system for capital management of the first-level branch;

  (5) particulars on the department and personnel who take charge of the capital operation of the first-level branch; and

  (6) other materials as may be required by the People's Bank of China.

  Article 7 To apply for access to the inter-bank borrowing market, an urban commercial bank shall submit an application to the local office of the People's Bank of China, which shall make preliminary examination and then submit the application level by level to the headquarter of the People's Bank of China for approval.

  Article 8 To apply for access to the inter-bank borrowing market, an urban commercial bank shall submit the following materials to the local office of the People's Bank of China:

  (1) an application for access to the inter-bank borrowing market;

  (2) a photocopy of the Financial License;

  (3) a photocopy of the Business License;

  (4) the articles of association;

  (5) the internal control system for capital management;

  (6) the balance sheets and profit and loss statements for the past two years;

  (7) particulars on the department and personnel who take charge of the capital operation; and

  (8) other materials as may be required by the People's Bank of China.

  Article 9 The urban commercial bank, which was approved by the People's Bank of China to engage in inter-bank borrowing business, shall carry out its business in the name of the bank as a corporation with no branches being allowed to engage in inter-bank borrowing business.

  Article 10 When applying for access to the inter-bank borrowing market, the headquarter of a foreign-funded commercial bank with the corporation institute established within China or a foreign-funded commercial bank branch with the corporation institution established outside China shall submit an application therefore to the local office of the People's Bank of China, which shall make preliminary examination and then submit the application level by level to the headquarter of the People's Bank of China for approval.

  Article 11 To apply for access to the inter-bank borrowing market, a foreign-funded commercial bank shall submit the following materials to the local office of the People's Bank of China:

  (1) an application for access to the inter-bank borrowing market;

  (2) a photocopy of the Financial License;

  (3) a photocopy of the Business License;

  (4) an approval document issued by the banking regulatory institution under the State Council to the foreign-funded commercial bank for its engaging in RMB business;

  (5) the articles of association;

  (6) the internal control system for capital management;

  (7) the balance sheets and profit and loss statements for the past two years;

  (8) particulars on the department and personnel who take charge of the capital operation; and

  (9) other materials as may be required by the People's Bank of China.

  Article 12 A foreign-funded commercial bank with the bank as a corporation established within China, which has been approved by the People's Bank of China to engage in the inter-bank RMB borrowing business, shall carry out its business in the name of the bank as a corporation, with no branches being allowed to engage in inter-bank borrowing business.

  Article 13 The application of an urban or rural credit cooperative for access to the inter-bank borrowing market shall be preliminarily examined by the local office of the People's Bank of China and then be submitted to the relevant branch, business management department or central sub-branch in the relevant provincial capital of the People's Bank of China for examination and approval.

  Article 14 To apply for access to the inter-bank borrowing market, an urban or rural credit cooperative shall submit the following materials to the local office of the People's Bank of China:

  (1) an application for access to the inter-bank borrowing market;

  (2) a photocopy of the Financial License;

  (3) a photocopy of the Business License (a copy of the replica);

  (4) the articles of association;

  (5) the internal control system for capital management;

  (6) the balance sheets and profit and loss statements for the past two years;

  (7) particulars on the department and personnel who take charge of the capital operation; and

  (8) other materials as may be required by the local office by the People's Bank of China.

  Article 15 The application of a policy bank for access to the inter-bank borrowing market shall be submitted to the headquarter of the People's Bank of China for approval.

  Article 16 To apply for access to the inter-bank borrowing market, a policy bank shall submit the following materials to the headquarter of the People's Bank of China:

  (1) an application for access to the inter-bank borrowing market;

  (2) a photocopy of the Financial License;

  (3) a photocopy of the Business License;

  (4) the annual bond issue plan as approved by the People's Bank of China;

  (5) the internal control system for capital management;

  (6) the balance sheets and profit and loss statements for the past two years;

  (7) particulars on the department and personnel who take charge of the capital operation; and

  (8) other materials as may be required by the People's Bank of China.

  Article 17 Every policy bank approved by the People's Bank of China to engage in inter-bank borrowing business shall carry out its business in the name of the bank as a corporation, with no branches being allowed to engage in inter-bank borrowing business.

  Article 18 As for the time limit for the examination and approval by the People's Bank of China and its offices or branches of applications by banking financial institution for access to the inter-bank borrowing market, Articles 28 and 29 of the Measures of the People's Bank of China for the Implementation of Administrative Licensing shall apply.

  Article 19 Any banking financial institution, which has obtained the approval for access to the inter-bank borrowing market, shall make necessary disclosure of the information to the market truly, accurately and completely.

  Article 20 Any banking financial institution may, of its own accord, apply to the People's Bank of China for exiting the inter-bank borrowing market.

  Article 21 Where any banking financial institution, which has entered the inter-bank borrowing market, violates any provisions concerning the inter-bank borrowing market, shall be punished by the People's Bank of China in accordance with the Law of the People's Republic of China on the People's Bank of China, Measures for Punishment Against Financial Illegal Acts and other relevant laws and regulations. And the case shall be reported to the banking regulatory institution under the State Council.

  Article 22 The power to interpret the present Rules shall remain with the People's Bank of China.

  Article 23 The present Rules shall come into force as of the date of promulgation.

  The People's Bank of China

  January 21, 2005

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