【正文】 告。 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)自律組織的章程應當報國務院銀行業(yè)監(jiān)督管理機構備案。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 國務院銀行業(yè)監(jiān)督管理機構負責統(tǒng)一編制全國銀行業(yè)金融機構的統(tǒng)計數(shù)據(jù)、報表，并按照國家有關規(guī)定予以公布。 Article 29 The banking supervision institution shall, jointly with the People39。39。 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)督管理機構發(fā)現(xiàn)可能引發(fā)系統(tǒng)性銀行業(yè)風險、嚴重影響社會穩(wěn)定的突發(fā)事件的，應當立即向國務院銀行業(yè)監(jiān)督管理機構負責人報告；國務院銀行業(yè)監(jiān)督管理機構負責人認為需要向國務院報告的，應當立即向國務院報告，并 告知中國人民銀行、國務院財政部門等有關部門。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 國務院銀行業(yè)監(jiān)督管理機構應當建立銀行業(yè)金融機構監(jiān)督管理評級體系和風險預警機制，根據(jù)銀行業(yè)金融機構的評級情況和風險狀況，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 26 With regard to the advice given by the People39。 The banking supervision institution of the State Council shall formulate onsite inspection procedures, and regulate onsite inspections. 第二十五條 國務院銀行業(yè)監(jiān)督管理機構應當對銀行業(yè)金融機構實行并表監(jiān)督管理。 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)督管理機構應當對銀行業(yè)金融機構的業(yè)務活動及其風險狀況進行現(xiàn)場檢查。 （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)。 if it decides to disapprove, it shall give the reasons: （一）銀行業(yè)金融機構的設立，自收到申請文件之日起六個月內(nèi)； (1) The establishment of a banking financial institution, within 6 months from the day when the application documents are received。 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)金融機構應當嚴格遵守審慎經(jīng)營規(guī)則。 Article 20 The banking supervision institution of the State Council shall adopt qualification management for the appointment of directors and senior managerial personnel of the banking financial institutions and it shall formulate specific measures. 第二十一條 銀行業(yè)金融機構的審慎經(jīng)營規(guī)則，由法律、行政法規(guī)規(guī)定 ，也可以由國務院銀行業(yè)監(jiān)督管理機構依照法律、行政法規(guī)制定。 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 國務院銀行業(yè)監(jiān)督管理機構對銀行業(yè)金融機構的董事和高級管理人員實行任職資格管理。需要審查批準或者備案的業(yè)務品種，由國務院銀行業(yè)監(jiān)督管理機構依照法律、行政法規(guī)作出規(guī)定并公布。39。 Article 16 In pursuance of the requirements and procedures as prescribed in the laws and the administrative regulations, the banking supervision institution of the State Council shall be responsible for the examination and approval of the establishment, modifications, termination and operation scope of the banking financial institutions. 6 第十七條 申請設立銀行業(yè)金融機構，或者銀行業(yè)金融機構變更持有資本總額或者股份總額達到規(guī)定比例以上的股東的，國務院銀行業(yè)監(jiān)督管理機構應當對股東的資金來源、財務狀況、資本補充能力和誠信狀況進行審查。 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 Chapter III. Supervision Duties 第十五條 國務院銀行業(yè)監(jiān)督管理機構依照法律、行政法規(guī)制定并發(fā)布對銀行業(yè)金融機構及其業(yè)務活動監(jiān)督管理的規(guī)章、規(guī)則。 Article 12 The banking supervision institution of the State Council shall disclose the supervision procedures, shall establish supervision responsibility system and internal supervision system. 第十三條 銀行業(yè)監(jiān)督管理機構在處置銀行業(yè)金融機構風險、查處有關金融違 法行為等監(jiān)督管理活動中，地方政府、各級有關部門應當予以配合和協(xié)助。 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. 國務院銀行業(yè)監(jiān)督管理機構同其他國家或者地區(qū)的銀行業(yè)監(jiān)督管理機構交流監(jiān)督管理信息，應當就信息保密作出安排。 Article 9 Among the functionaries of the banking supervision institutions, those engaged in supervision shall have the professional knowledge and experiences adapting to their respective post. 第十條 銀行業(yè)監(jiān)督管理機 構工作人員，應當忠于職守，依法辦事，公正廉潔，不得利用職務便利牟取不正當?shù)睦?，不得在金融機構等企業(yè)中兼任職務。 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. 國務院銀行業(yè)監(jiān)督管理機構的派 出機構在國務院銀行業(yè)監(jiān)督管理機構的授權范圍內(nèi)，履行監(jiān)督管理職責。 Article 7 The banking supervision institution of the State Council may also establish cooperation systems with the banking supervision institutions of other countries or regions for the purpose of conducting transnational supervision. 第二章 監(jiān)督管理機構 Chapter II. Supervision Institutions 第八條 國務院銀行業(yè)監(jiān)督管理機構根據(jù)履行職責的需要設立派出機構。39。 Article 5 The banking supervision institutions and their functionaries engaged in banking supervision shall perform their duties in accordance with the law, shall be protected by the law. None of the local governments, government departments of all levels, the social institutions and individuals may interfere with them. 第六條 國務院銀行業(yè)監(jiān)督管理機構應當和中國人民銀行、國務院其他金融監(jiān)督管理機構建立監(jiān)督管理信息共享機制。 Article 4 When condu