5.中国银行业监督管理委员会关于调整银行市场准入管理方式和程序的决定(2003.5.29)

DecisionsoftheChinaBankingRegulatoryCommissiononAdjustingMarketEntryManagementModesandProcedures中国银行业监督管理委员会关于调整银行市场准入管理方式和程序的决定Decisionsofti3cf76ad300000CN_EN_LEGISPromulgatingInstitution:ChinaBanksReguatoryCommitteeDocumentNumber:DecreeNo.1[2003]ofChinaBanksReguatoryCommitteePromulgatingDate:05/29/2003EffectiveDate:05/29/2003ValidityStatus:Valid颁布机关:中国银行业监督管理委员会文号:中国银行业监督管理委员会令2003年第1号颁布时间:05/29/2003实施时间:05/29/2003效力状态:有效Text正文Inordertoimprovethemarketentryefficiencyandpromotefinancialinnovation,theChinaBankingRegulatoryCommissiondecidestoadjustmanagementmodesandproceduresconcerningthebankingmarketentry.Theadjustmentgoesasfollows:为提高市场准入效率,促进金融创新,中国银行业监督管理委员会决定对银行市场准入管理的方式和程序进行调整。具体如下:1.AdjustingLimitsofAuthorityConcerningtheExaminationandApprovalofBranchIncorporation(1)Allbankingregulatorybureausordirectlysubordinatesub-bureausshallacceptandverifyapplicationsforthepreparationsoftheestablishmentofbranchesofpolicybanks,whollystate-ownedcommercialbanksandjointstockcommercialbanksintheirjurisdictionsbeforetheysubmitthesametotheChinaBankingRegulatoryCommission(CBRC)forexaminationandapproval.BusinesscommencementapplicationsofinstitutionswhoseestablishmentpreparationsareapprovedbytheCBRCshallbeverifiedbybankingregulatorybureausortheirdirectlysubordinatesub-bureaus,whichshallissuebusinesslicensesandsendcopiesthereoftotheCBRC.Examinationandapprovalmodesandproceduresconcerningtheincorporationofbranchesofforeign-investedbanksshallremainunchanged.(2)Bankingregulatorybureausortheirdirectlysubordinatesub-bureausshallaccept,examineandapprovepreparationandbusinesscommencementapplicationsofbranchesofallbanksintheircities,andshallissuebusinesslicenses.(3)Bankingregulatorysub-bureausshallacceptandverifyestablishmentpreparationapplicationsofbranchesofallbanksintheirjurisdictionsbeforetheysubmitthesametobankingregulatorybureausforexaminationandapproval;businesscommencementapplicationsofinstitutionswhoseestablishmentpreparationsareapprovedbybankingregulatorybureausshallbeverifiedbybankingregulatorysub-bureaus,whichshallissuebusinesslicensesandsendcopiesthereoftobankingregulatorybureausconcerned.一、调整新设分支机构审批权限(一)由各银监局或直属分局受理并审核辖区内政策性银行、国有独资商业银行和股份制商业银行分行的筹建申请,报银监会审批。已经银监会批准筹建的机构开业申请,由银监局或直属分局予以核准并颁发营业许可证,抄报银监会。外资银行新设分行的审批方式及程序不变。(二)由各银监局或直属分局受理并审批所在城市各银行支行的筹建和开业申请,并颁发营业许可证。(三)由各银监分局受理并审核辖区内各银行支行的筹建申请,报银监局审批;已经银监局批准筹建的机构开业申请,由银监分局核准,并颁发营业许可证,抄报银监局。2.AdjustingExaminationandApprovalModeswithRegardtoNewBusinesses(1)CancelingtheexaminationandapprovalofthefollowingbusinessesofChinese-investedcommercialbanks:domesticfactoring,securitiesfundsettlementonacommissionbasis(banking-securitiestransfer),commissioninsurance,securitiescompanies'entrustedinvestmentcustody,creditassetscustodyandenterpriseannuitiescustody.CancelingthearchivingofthefollowingbusinessesofChinese-investedcommercialbanks:interest-paidbilldiscountfrombuyerandoragreement,legalpersonaccountoverdraftandfundcollectionandpaymentforcreditproductsonacommissionbasis.(2)Cancelingtheexaminationandapprovalofthefollowingbusinessesofforeign-investedbanks:domesticfactoring,interest-paidbilldiscountfrombuyerandoragreementandlegalpersonaccountoverdraft.(3)Headofficesofwhollystate-ownedcommercialbanksandjointstockcommercialbanksshallreportinwritingtotheCBRCwithintenworkingdaysofintroductionoftheaforesaidbusinesses;urbancommercialbanks,ruralcommercialbanksandforeign-investedbanksshallreportinwritingtolocalbankingregulatorybureaus,directlysubordinatesub-bureausorbankingregulatorysub-bureauswithintenworkingdaysofintroductionoftheaforesaidbusinesses.(4)Banksapprovedoftheintroductionofnewbusinessesmayauthorizequalifiedbranchestoundersuchbusinesses.Branchesofbanksmayintroducenewbusinessesupontheauthorizationofhigherbranches,andshallreportinwritingtolocalbankingregulatorybureaus,directlysub-ordinatesub-bureausorbankingregulatorysub-bureauswithintenworkingdaysofbusinessintroduction.二、调整新业务审批方式(一)取消对中资商业银行下列业务的审批:国内保理、代理证券资金清算(银证转账)、代理保险、证券公司受托投资托管、信托资产托管、企业年金托管。取消对中资商业银行下列业务的备案:买方或协议付息票据贴现、法人账户透支、代理信托产品资金收付。(二)取消对外资银行下列业务的备案:国内保理、买方或协议付息票据贴现、法人账户透支。(三)各国有独资商业银行、股份制商业银行仅须在开办上述业务后的10个工作日内由其总行向银监会书面报告;各城市商业银行、农村商业银行和外资银行仅须在开办上述业务后的10个工作日内向所在地银监局、直属分局或银监分局书面报告。(四)各银行对于已获准开办的新业务,可授权符合条件的下辖分支机构开办。各银行的分支机构经上级行授权即可开办新业务,仅须在开办后的10个工作日内向当地银监局、直属分局或银监分局书面报告。3.AdjustingVerificationModesConcerningPost-HoldingQualificationsofSeniorExecutives(1)WhereseniorexecutivesofChinese-investedbanks,whollyforeign-ownedbanksandSino-foreignjointventurebanksarehorizontallytransferred,ifsuchpersonshavealreadygonethroughqualificationverification,theoriginalqualificationsshallremainvalidandbeexemptfromre-verification.(2)Departureauditreportsandrelevantpost-holdingmaterialsoftheaforesaidseniorexecutivesmaybesubmittedinwritingtolocalbankingregulatorybureaus,directlysubordinatesub-bureausorbankingregulatorysub-bureauswithinonemonthoftheirdeparture.(3)Cancelingthearchivingofpost-holdingqualificationsofvicepresidentsofbranchesofforeign-investedbanks.三、调整高级管理人员任职资格核准方式(一)各中资银行、外国独资银行和中外合资银行在本机构内作同级职责平行调动的高级管理人员,若已经经过任职资格审核,原有任职资格仍