中国人民银行发布关于《银行业金融机构进入全国银行间同业拆借市场审核规则》的公告

　　依据《中华人民共和国中国人民银行法》、《中华人民共和国行政许可法》和《中国人民银行行政许可实施办法》，中国人民银行制定了《银行业金融机构进入全国银行间同业拆借市场审核规则》，现予公布实施。
　　未进入全国银行间同业拆借市场的银行业金融机构从事同业拆借业务，须报所在地中国人民银行分行、营业管理部、省会（首府）城市中心支行备案，具体办法由中国人民银行分行、营业管理部、省会（首府）城市中心支行另行制定。
　　附：银行业金融机构进入全国银行间同业拆借市场审核规则
　　*9条　为规范银行业金融机构进入全国银行间同业拆借市场（以下简称"同业拆借市场"）的审批程序，根据《中华人民共和国行政许可法》、《中华人民共和国中国人民银行法》、《中华人民共和国商业银行法》制定本规则。
　　第二条　本规则所称银行业金融机构，是指在中华人民共和国境内设立的商业银行、城市信用合作社、农村信用合作社等吸收公众存款的金融机构以及政策性银行。
　　第三条　经国务院银行业监督管理机构依法批准设立的银行业金融机构申请加入同业拆借市场，应当具备下列条件：
　　（一）有健全的组织机构和管理制度；
　　（二）近两年未因违法、违规经营受到中国人民银行、国务院银行业监督管理机构及其他主管部门处罚；
　　（三）近两年未出现资不抵债情况；
　　（四）中国人民银行规定的其他条件。
　　除具备前款所规定的条件外，外资商业银行申请加入同业拆借市场应经国务院银行业监督管理机构批准获得经营人民币业务资格；城市信用合作社申请加入同业拆借市场应完成改制；农村信用合作社申请加入同业拆借市场应以县联社为单位；政策性银行申请加入同业拆借市场应已按市场化方式在银行间债券市场发债。
　　国有商业银行和股份制商业银行授权其一级分支机构加入同业拆借市场时，其总行应当是同业拆借市场成员。
　　第四条　国有商业银行和股份制商业银行申请加入同业拆借市场，应报中国人民银行总行批准。
　　第五条　国有商业银行和股份制商业银行申请加入同业拆借市场，须向中国人民银行总行提交以下申请材料：
　　（一）进入同业拆借市场的申请；
　　（二）《金融许可证》（副本复印件）；
　　（三）《营业执照》（副本复印件）；
　　（四）章程；
　　（五）资金管理内控制度；
　　（六）近两年资产负债表和损益表；
　　（七）负责资金运作的部门和人员情况；
　　（八）中国人民银行要求提供的其他材料。
　　第六条　国有商业银行和股份制商业银行申请授权其一级分支机构加入同业拆借市场，须向中国人民银行总行提交以下申请材料：
　　（一）国有商业银行和股份制商业银行授权该一级分支机构进入同业拆借市场的申请；
　　（二）国有商业银行和股份制商业银行对该一级分支机构进入同业拆借市场的授权书和授权拆借限额；
　　（三）国有商业银行和股份制商业银行一级分支机构信贷收支表；
　　（四）国有商业银行和股份制商业银行一级分支机构资金管理内控制度；
　　（五）国有商业银行和股份制商业银行一级分支机构负责资金运作的部门和人员情况；
　　（六）中国人民银行要求提供的其他材料。
　　第七条　城市商业银行申请加入同业拆借市场须先向中国人民银行当地分支机构提出申请，经所在地中国人民银行分支机构初审后逐级报中国人民银行总行批准。
　　第八条　城市商业银行申请加入同业拆借市场，须向所在地中国人民银行分支机构提交以下申请材料：
　　（一）进入同业拆借市场的申请；
　　（二）《金融许可证》（副本复印件）；
　　（三）《营业执照》（副本复印件）；
　　（四）章程；
　　（五）资金管理内控制度；
　　（六）近两年资产负债表和损益表；
　　（七）负责资金运作的部门和人员情况；
　　（八）中国人民银行要求提供的其他材料。
　　第九条　经中国人民银行批准具备同业拆借业务资格的城市商业银行，应以法人为单位开展同业拆借业务，其分支机构不得从事同业拆借。
　　第十条　法人机构设在境内的外资商业银行总行和法人机构设在境外的外资商业银行分支机构，申请加入同业拆借市场须先向所在地中国人民银行分支机构提出申请，经所在地中国人民银行分支机构初审后逐级报中国人民银行总行批准。
　　第十一条　外资商业银行申请加入同业拆借市场，须向所在地中国人民银行分支机构提交以下申请材料：
　　（一）进入同业拆借市场的申请；
　　（二）《金融许可证》（副本复印件）；
　　（三）《营业执照》（副本复印件）；
　　（四）国务院银行业监督管理机构批准其经营人民币业务的文件；
　　（五）章程；
　　（六）资金管理内控制度；
　　（七）近两年资产负债表和损益表；
　　（八）负责资金运作的部门和人员情况；
　　（九）中国人民银行要求提供的其他材料。
　　第十二条　经中国人民银行批准具备人民币同业拆借业务资格，且法人机构设在境内的外资商业银行应以法人为单位开展同业拆借业务，其分支机构不得从事同业拆借。
　　第十三条　城市信用合作社和农村信用合作社申请加入同业拆借市场，经所在地中国人民银行分支机构初审后，报中国人民银行分行、营业管理部或省会（首府）城市中心支行审批。
　　第十四条　城市信用合作社和农村信用合作社申请加入同业拆借市场，须向中国人民银行分支机构提交以下申请材料：
　　（一）进入同业拆借市场的申请；
　　（二）《金融许可证》（副本复印件）；
　　（三）《营业执照》（副本复印件）；
　　（四）章程；
　　（五）资金管理内控制度；
　　（六）近两年资产负债表和损益表；
　　（七）负责资金运作的部门和人员情况；
　　（八）中国人民银行分支机构要求提供的其他材料。
　　第十五条　政策性银行申请加入同业拆借市场，应报中国人民银行总行批准。
　　第十六条　政策性银行申请加入同业拆借市场，须向中国人民银行总行提交以下申请材料：
　　（一）进入同业拆借市场的申请；
　　（二）《金融许可证》（副本复印件）；
　　（三）《营业执照》（副本复印件）；
　　（四）经中国人民银行批准的年度发债计划；
　　（五）资金管理内控制度；
　　（六）近两年资产负债表和损益表；
　　（七）负责资金运作的部门和人员情况；
　　（八）中国人民银行要求提供的其他材料。
　　第十七条　经中国人民银行批准具备同业拆借业务资格的政策性银行，应以法人为单位开展同业拆借业务，其分支机构不得从事同业拆借。
　　第十八条　中国人民银行及其分支机构审核银行业金融机构加入同业拆借市场申请的期限，适用《中国人民银行行政许可实施办法》第二十八条和第二十九条的规定。
　　第十九条　经批准进入银行间同业拆借市场的银行业金融机构应真实、准确、完整地向市场披露必要的信息。
　　第二十条　银行业金融机构可自愿向中国人民银行申请退出同业拆借市场。
　　第二十一条　进入同业拆借市场的银行业金融机构违反同业拆借市场有关规定的，中国人民银行按照《中华人民共和国中国人民银行法》、《金融违法行为处罚办法》等法律法规予以处罚，并通报国务院银行业监督管理机构。
　　第二十二条　本规则由中国人民银行修改并解释。
（注：此英文翻译为非官方译本，仅供参考。 当发生歧意时, 应以法律原版中文为准。This English document is not an official translation and is for reference ONLY. In case of discrepancy, the original version in Chinese shall prevail.***）
Announcement of the People's Bank of China [2005] No. 3
January 21, 2005
　　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.
Attachment:　　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.