【文章內(nèi)容簡介】 二十三條 銀行業(yè)監(jiān)督管理機構(gòu)應(yīng)當對銀行業(yè)金融機構(gòu)的業(yè)務(wù)活動及其風(fēng)險狀況進行非現(xiàn)場監(jiān)管，建立銀行業(yè)金融機構(gòu)監(jiān)督 管理信息系統(tǒng)，分析、評價銀行業(yè)金融機構(gòu)的風(fēng)險狀況。 Article 23 The banking supervision institutions shall conduct nononsite supervision over the operations and risk status of the banking financial institutions, 8 shall establish banking financial institution supervision information system, and shall analyze and evaluate the risk status of banking financial institutions. 第二十四條 銀行業(yè)監(jiān)督管理機構(gòu)應(yīng)當對銀行業(yè)金融機構(gòu)的業(yè)務(wù)活動及其風(fēng)險狀況進行現(xiàn)場檢查。 Article 24 A banking supervision institution shall conduct onsite inspection on the operations and risk status of the banking financial institutions. 國務(wù)院銀行業(yè)監(jiān)督管理機構(gòu)應(yīng)當制定現(xiàn)場檢查程序，規(guī)范現(xiàn)場檢查行為。 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)督管理機構(gòu)應(yīng)當對銀行業(yè)金融機構(gòu)實行并表監(jiān)督管理。 Article 25 The banking supervision institution of the State Council shall adopt consolidated financial statements in conducting supervision over the banking financial institutions. 第二十六條 國務(wù)院銀行業(yè)監(jiān)督管理機構(gòu)對中國人民銀行提出的檢查銀行業(yè)金融機構(gòu)的建議，應(yīng)當自收到建議之日起三十日內(nèi)予以回復(fù)。 Article 26 With regard to the advice given by the People39。39。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)督管理機構(gòu)應(yīng)當建立銀行業(yè)金融機構(gòu)監(jiān)督管理評級體系和風(fēng)險預(yù)警機制，根據(jù)銀行業(yè)金融機構(gòu)的評級情況和風(fēng)險狀況，確定對其現(xiàn)場檢查的頻率、范圍和需要采取的其他措施。 Article 27 The banking supervision institution of the State Council shall establish a banking financial institution supervision grade evaluation system and a risk prewarning system. It shall, in light of the grade and the risk situation of a banking financial institution, determine the frequency and scope of onsite inspections, and other necessary measures. 第二十八條 國務(wù)院銀行業(yè)監(jiān)督管理機構(gòu)應(yīng)當建立銀行業(yè)突發(fā)事件的發(fā)現(xiàn)、報告崗位責(zé)任制度。 Article 28 The banking supervision institution of the State Council shall establish a post responsibility system for the discovery and reporting of banking emergencies. 9 銀行業(yè)監(jiān)督管理機構(gòu)發(fā)現(xiàn)可能引發(fā)系統(tǒng)性銀行業(yè)風(fēng)險、嚴重影響社會穩(wěn)定的突發(fā)事件的，應(yīng)當立即向國務(wù)院銀行業(yè)監(jiān)督管理機構(gòu)負責(zé)人報告；國務(wù)院銀行業(yè)監(jiān)督管理機構(gòu)負責(zé)人認為需要向國務(wù)院報告的，應(yīng)當立即向國務(wù)院報告，并 告知中國人民銀行、國務(wù)院財政部門等有關(guān)部門。 Where a banking supervision institution discovers an emergency may result in a systematic banking risk or may seriously affect the stability of the society, it shall immediately report to the personincharge of the banking supervision institution of the State Council. If the personincharge considers it necessary to report to the State Council, it shall report to the State Council at once, and shall inform the People39。39。s Bank of China, the finance department of the State Council and other relevant departments. 第二十九條 國務(wù)院銀行業(yè)監(jiān)督管理機構(gòu)應(yīng)當會同中國人民銀行、國務(wù)院財政部門等有關(guān)部門建立銀行業(yè)突發(fā)事件處置制度，制定銀行業(yè)突發(fā)事件處置預(yù)案，明確處置機構(gòu)和人員及其職責(zé)、處置措施和處置程序，及時、有效地處置銀行業(yè)突發(fā)事件。 Article 29 The banking supervision institution shall, jointly with the People39。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)督管理機構(gòu)負責(zé)統(tǒng)一編制全國銀行業(yè)金融機構(gòu)的統(tǒng)計數(shù)據(jù)、報表，并按照國家有關(guān)規(guī)定予以公布。 Article 30 The banking supervision institution of the State Council shall be responsible for the making of unified statistics and statements of the nationwide banking financial institutions, and shall announce them in accordance with relevant regulations of the State. 第三十一條 國務(wù)院銀行業(yè)監(jiān)督管理機構(gòu)對銀行業(yè)自律組織的活動進行指導(dǎo)和監(jiān)督。 Article 31 The banking supervision institution of the State Council shall guide and supervise the activities of the banking selfdisciplinary anizations. 銀行業(yè)自律組織的章程應(yīng)當報國務(wù)院銀行業(yè)監(jiān)督管理機構(gòu)備案。 The constitution of any banking selfdisciplinary anization shall be submitted 10 to the banking supervision institution of the State Council for archival purposes. 第三十二條 國務(wù)院銀行業(yè)監(jiān)督管理機構(gòu)可以開展與銀行業(yè)監(jiān)督管理有關(guān)的國際交流、合作活動。 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 機構(gòu)按照規(guī)定報送資產(chǎn)負債表、利潤表和其他財務(wù)會計、統(tǒng)計報表、經(jīng)營管理資料以及注冊會計師出具的審計報告。 Article 33 A banking supervision institution shall, in light of the needs to perform its duties, have the power to demand the banking financial institutions to submit their assetliability statements, profit statements, and other financial and accounting statements, operation management materials and the audit reports issued by certified public accountants. 第三十四條 銀行業(yè)監(jiān)督管理機構(gòu)根據(jù)審慎監(jiān)管的要求，可以采取下列措施進行現(xiàn)場檢查： Article 34 In accordance with the requirement of prudent supervision, a banking supervision institution shall taking following measures for conducting onsite inspection: （一）進入銀行業(yè)金融機構(gòu)進行檢查； (1) To conduct inspection by entering into a banking financial institution。 （二）詢問銀行業(yè)金融機構(gòu)的工作人員，要求其對有關(guān)檢查事項作出說明； (2) To question the functionaries of the banking financial institution, to demand them to give explanations about the relevant tobeinspected items。 （三）查閱、復(fù)制銀行業(yè)金融機構(gòu)與檢查事項有關(guān)的文件、資料，對可能被轉(zhuǎn)移、隱匿或者毀損的文件、資料予以封存； (3) To examine and copy the documents and materials relating to the tobeinspected items, to seal up the documents and materials that may be moved, hidden or destroyed。 （四）檢查銀行業(yè)金融機構(gòu)運用電子計算機管理業(yè)務(wù)數(shù)據(jù)的系統(tǒng)。 (4) To examine the banking financial institution39。39。s puter system for operation 11 data management. 進 行現(xiàn)場檢查，應(yīng)當經(jīng)銀行業(yè)監(jiān)督管理機構(gòu)負責(zé)人批準?，F(xiàn)場檢查時，檢查人員不得少于二人，并應(yīng)當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)金融機構(gòu)有權(quán)拒絕檢查。 An onsite inspection shall be subject to the approval of the personincharge of the banking supervision institution. In an onsite inspec