【正文】 banking supervision institution of the State Council shall examine the shareholder39。 Article 13 When the banking supervision institutions deal with the risks of a banking financial institution, investigate into and punish relevant illegal financial offences, or carry out other supervision activities, the local governments, the departments of all levels shall support and cooperate with them. 第十四條 國務(wù)院審計(jì)、監(jiān)察等機(jī)關(guān)，應(yīng)當(dāng)依照法律規(guī)定對國務(wù)院銀行業(yè)監(jiān)督管理機(jī)構(gòu)的活動(dòng)進(jìn)行監(jiān)督。 Article 10 The functionaries of the banking supervision institutions shall devote to their duties, handle matters in pursuance of the law, be impartial and clean, shall not seek improper interests by taking advantages of their posts, and shall not hold concurrent positions in other financial institutions or other enterprises. 第十一條 銀行業(yè)監(jiān)督管理機(jī)構(gòu)工作人員，應(yīng)當(dāng)依法保守國家秘密，并有責(zé)任為其監(jiān)督管理的銀行業(yè)金融機(jī)構(gòu)及當(dāng)事人保守秘密。國務(wù)院銀行業(yè)監(jiān)督 4 管理機(jī)構(gòu)對派出機(jī)構(gòu)實(shí)行統(tǒng)一領(lǐng)導(dǎo)和管理。 Article 6 The banking supervision institution of the State Council shall establish a supervision information sharing system with the People39。 The banking supervision shall protect the fair petitions of banking and improve the petitive ability of the banking industry. 第四條 銀行業(yè)監(jiān)督管理機(jī)構(gòu)對銀行業(yè)實(shí)施監(jiān)督管理，應(yīng)當(dāng)遵循依法、公開、公正和效率的原則。39。 Article 1 The present Law is formulated to strengthen the supervision over the banking industry, regulate the activities of supervision, prevent and eliminate banking risks, protect the legitimate rights and interests of the depositors and other clients and promote the sound development of the banking industry. 第二條 國務(wù)院銀行業(yè)監(jiān)督管理機(jī)構(gòu)負(fù)責(zé)對全國銀行業(yè)金融機(jī)構(gòu)及其業(yè)務(wù)活動(dòng)監(jiān)督管理的工作。39。39。s Republic of China 《中華人民共和國銀行業(yè)監(jiān)督管理法》已由中華人民共和國第十屆全國人民代表大會(huì)常務(wù)委員會(huì)第六次會(huì)議于 2020年 12月 27日通過，現(xiàn)予公布，自 2020年 2月 1日起施行。 1 Banking Supervision Law of The People39。 The Banking Supervision Law of the People39。s Congress of the People39。s Republic of China 2020年 12月 27日 December 27, 2020 中華人民共和國銀行業(yè)監(jiān)督管理法 Banking Supervision Law of the People39。 Article 2 The banking supervision institution of the State Council shall be responsible for the supervision over the nationwide banking financial institutions and operations. 本法所稱銀行業(yè)金融機(jī)構(gòu)，是指在中華人民共和國境內(nèi)設(shè)立的商業(yè)銀行、城市信用合作社、農(nóng)村信用合作社等吸收公眾存款的金融機(jī)構(gòu)以及政策性銀行。s Republic of China and other financial institutions established within China upon approval of the banking supervision institution of the State Council. 國務(wù)院銀行業(yè)監(jiān)督管理機(jī)構(gòu)依照本法有關(guān)規(guī)定，對經(jīng)其批準(zhǔn)在境外設(shè)立的金融機(jī)構(gòu)以及前二款金融機(jī)構(gòu)在境外的業(yè)務(wù)活動(dòng)實(shí)施監(jiān)督管理。 Article 4 When conducting banking supervision, the banking supervision institutions shall ply with the principle of law pliance, openness, impartiality and efficiency. 第五條 銀行業(yè)監(jiān)督管理機(jī)構(gòu)及其從事監(jiān)督管理工作的人員依法履行監(jiān)督管理職責(zé)，受法律保護(hù)。39。 Article 8 The banking supervision institution of the State Council may set up dispatched institutions in light of the needs for exercising their duties. The banking supervision institution of the State Council shall practice unified leadership and management to the institutions dispatched by it. 國務(wù)院銀行業(yè)監(jiān)督管理機(jī)構(gòu)的派 出機(jī)構(gòu)在國務(wù)院銀行業(yè)監(jiān)督管理機(jī)構(gòu)的授權(quán)范圍內(nèi)，履行監(jiān)督管理職責(zé)。 Article 11 The functionaries of banking supervision institutions shall keep the secrets of the state in accordance with the law, and shall be obligated to keep the secrets of the banking financial institutions and the parties concerned under their supervision. 國務(wù)院銀行業(yè)監(jiān)督管理機(jī)構(gòu)同其他國家或者地區(qū)的銀行業(yè)監(jiān)督管理機(jī)構(gòu)交流監(jiān)督管理信息，應(yīng)當(dāng)就信息保密作出安排。 Article 14 The auditing, supervision and other ans of the State Council shall conduct supervision over the activities of the banking supervision institution of the State Council in pursuance of the law. 第三章 監(jiān)督管理職責(zé) Chapter III. Supervision Duties 第十五條 國務(wù)院銀行業(yè)監(jiān)督管理機(jī)構(gòu)依照法律、行政法規(guī)制定并發(fā)布對銀行業(yè)金融機(jī)構(gòu)及其業(yè)務(wù)活動(dòng)監(jiān)督管理的規(guī)章、規(guī)則。39。 Article 19 Without approval of the banking supervision institution of the State Council, no entity or individual may establish any banking financial institution or carry on operations as a banking financial institution. 第二十條 國務(wù)院銀行業(yè)監(jiān)督管理機(jī)構(gòu)對銀行業(yè)金融機(jī)構(gòu)的董事和高級管理人員實(shí)行任職資格管理。 The term rules for prudent operations as mentioned in the preceding paragraph covers the risk management, internal control, capital adequacy ratio, quality of capital, loss reserve fund, risk concentration, related transactions and liquidity of assets, etc. 銀行業(yè)金融機(jī)構(gòu)應(yīng)當(dāng)嚴(yán)格遵守審慎經(jīng)營規(guī)則。 （三）審 查董事和高級管理人員的任職資格，自收到申請文件之日起三十日內(nèi)。 The banking supervision institution of the State Council shall formulate onsite inspection procedures, and regulate onsite inspections. 第二十五條 國務(wù)院銀行業(yè)監(jiān)督管理機(jī)構(gòu)應(yīng)當(dāng)對銀行業(yè)金融機(jī)構(gòu)實(shí)行并表監(jiān)督管理。s Bank of China about the inspection on banking financial institutions, the banking supervision institution of the State Council shall make a reply within 30 days from the day it receives the advice. 第二十七條 國務(wù)院銀行業(yè)監(jiān)督管理機(jī)構(gòu)應(yīng)當(dāng)建立銀行業(yè)金融機(jī)構(gòu)監(jiān)督管理評級體系和風(fēng)險(xiǎn)預(yù)警機(jī)制，根據(jù)銀行業(yè)金融機(jī)構(gòu)的評級情況和風(fēng)險(xiǎn)狀況，確定對其現(xiàn)場檢查的頻率、范圍和需要采取的其他措施。39。s Bank of China, the finance department of the State Council and other relevant departments, shall establish a banking emergency handling system, formulate a banking emergency disposal plan and clearly specify the handing institutions, the personnel and their duties, the measures and procedures so as to timely and effectively handle any banking emergencies. 第三十條 國務(wù)院銀行業(yè)監(jiān)督管理機(jī)構(gòu)負(fù)責(zé)統(tǒng)一編制全國銀行業(yè)金融機(jī)構(gòu)的統(tǒng)計(jì)數(shù)據(jù)、報(bào)表，并按照國家有關(guān)規(guī)定予以公布。 Article 32 The banking supervision institution of the State Council may carry out activities of international munication and cooperation related to banking supervision. 第四章 監(jiān)督管理措施 Chapter IV. Supervision Measures 第三十三條 銀行業(yè)監(jiān)督管理機(jī)構(gòu)根據(jù)履行職責(zé)的需要，有權(quán)要求銀行業(yè)金融 機(jī)構(gòu)按照規(guī)定報(bào)送資產(chǎn)負(fù)債表、利潤表和其他財(cái)務(wù)會(huì)計(jì)、統(tǒng)計(jì)報(bào)表、經(jīng)營管理資料以及注冊會(huì)計(jì)師出具的審計(jì)報(bào)告。 （四）檢查銀行業(yè)金融機(jī)構(gòu)運(yùn)用電子計(jì)算機(jī)管理業(yè)務(wù)數(shù)據(jù)的系統(tǒng)?，F(xiàn)場檢查時(shí)，檢查人員不得少于二人，并應(yīng)當(dāng)出示合法證件和檢查通知書；檢查人員少于二人或者未出示合法證件和檢查通知書的，銀行業(yè)金融機(jī)構(gòu)有權(quán)拒絕檢查。 （二）限制分配紅利和其他收入； (2) To restrict the distribution of bonus and other ines。 （六）停止批準(zhǔn)增設(shè)分支機(jī)構(gòu)。 13 Article 38 Where a banking financial institution has already had or may have a credit crisis, which seriously impairs the legitimate rights and interests of the depositors and other clients,