KYB CHINA(2014年10月29日国务院第67次常务会议通过 2015年2月17日中华人民共和国国务院令第660号公布 自2015年5月1日起施行)
(Adopted at the 67th Executive Meeting of the State Council on October 29, 2014, promulgated by Decree No. 660 of the State Council of the People's Republic of China on February 17, 2015, and effective as of May 1, 2015)
为了建立和规范存款保险制度，依法保护存款人的合法权益，及时防范和化解金融风险，维护金融稳定，制定本条例。
These Regulations are formulated to establish and regulate the deposit insurance system, protect the legitimate rights and interests of depositors in accordance with the law, promptly prevent and resolve financial risks, and maintain financial stability.
在中华人民共和国境内设立的商业银行、农村合作银行、农村信用合作社等吸收存款的银行业金融机构(以下统称投保机构)，应当依照本条例的规定投保存款保险。
Commercial banks, rural cooperative banks, rural credit cooperatives, and other banking financial institutions that absorb deposits (hereinafter collectively referred to as insured institutions) established within the territory of the People's Republic of China shall purchase deposit insurance in accordance with these Regulations.
投保机构在中华人民共和国境外设立的分支机构，以及外国银行在中华人民共和国境内设立的分支机构不适用前款规定。但是，中华人民共和国与其他国家或者地区之间对存款保险制度另有安排的除外。
The branches of insured institutions established outside the territory of the People's Republic of China, as well as the branches of foreign banks established within the territory of the People's Republic of China, are not subject to the provisions of the preceding paragraph. However, unless otherwise provided by arrangements between the People's Republic of China and other countries or regions regarding the deposit insurance system.
本条例所称存款保险，是指投保机构向存款保险基金管理机构交纳保费，形成存款保险基金，存款保险基金管理机构依照本条例的规定向存款人偿付被保险存款，并采取必要措施维护存款以及存款保险基金安全的制度。
For the purposes of these Regulations, deposit insurance refers to a system under which insured institutions pay premiums to the deposit insurance fund management institution to form a deposit insurance fund, and the deposit insurance fund management institution compensates depositors for insured deposits in accordance with these Regulations and takes necessary measures to maintain the safety of deposits and the deposit insurance fund.
被保险存款包括投保机构吸收的人民币存款和外币存款。但是，金融机构同业存款、投保机构的高级管理人员在本投保机构的存款以及存款保险基金管理机构规定不予保险的其他存款除外。
Insured deposits include Renminbi deposits and foreign currency deposits absorbed by insured institutions. However, interbank deposits of financial institutions, deposits of senior management personnel of insured institutions in their own institutions, and other deposits that the deposit insurance fund management institution determines not to insure are excluded.
存款保险实行限额偿付，最高偿付限额为人民币50万元。中国人民银行会同国务院有关部门可以根据经济发展、存款结构变化、金融风险状况等因素调整最高偿付限额，报国务院批准后公布执行。
Deposit insurance adopts limited compensation, with the maximum compensation limit set at RMB 500,000. The People's Bank of China, together with the relevant departments of the State Council, may adjust the maximum compensation limit based on factors such as economic development, changes in deposit structure, and financial risk conditions, and shall report to the State Council for approval before promulgation and implementation.
同一存款人在同一家投保机构所有被保险存款账户的存款本金和利息合并计算的资金数额在最高偿付限额以内的，实行全额偿付；超出最高偿付限额的部分，依法从投保机构清算财产中受偿。
For the same depositor at the same insured institution, the combined principal and interest of all insured deposit accounts shall be fully compensated if the total amount is within the maximum compensation limit; the portion exceeding the maximum compensation limit shall be satisfied from the liquidation property of the insured institution in accordance with the law.
存款保险基金管理机构偿付存款人的被保险存款后，即在偿付金额范围内取得该存款人对投保机构相同清偿顺序的债权。
After the deposit insurance fund management institution compensates the depositor for the insured deposit, it shall acquire the depositor's claim against the insured institution in the same order of priority to the extent of the compensation amount.
社会保险基金、住房公积金存款的偿付办法由中国人民银行会同国务院有关部门另行制定，报国务院批准。
The compensation method for social insurance fund deposits and housing provident fund deposits shall be separately formulated by the People's Bank of China together with the relevant departments of the State Council and submitted to the State Council for approval.
存款保险基金的来源包括：
The sources of the deposit insurance fund include:
(一)投保机构交纳的保费；
(1) Premiums paid by insured institutions;
(二)在投保机构清算中分配的财产；
(2) Property distributed in the liquidation of insured institutions;
(三)存款保险基金管理机构运用存款保险基金获得的收益；
(3) Income obtained by the deposit insurance fund management institution from the use of the deposit insurance fund;
(四)其他合法收入。
(4) Other lawful income.
存款保险基金管理机构履行下列职责：
The deposit insurance fund management institution performs the following duties:
(一)制定并发布与其履行职责有关的规则；
(1) Formulate and publish rules related to the performance of its duties;
(二)制定和调整存款保险费率标准，报国务院批准；
(2) Formulate and adjust the deposit insurance premium rate standards, and report to the State Council for approval;
(三)确定各投保机构的适用费率；
(3) Determine the applicable premium rate for each insured institution;
(四)归集保费；
(4) Collect premiums;
(五)管理和运用存款保险基金；
(5) Manage and use the deposit insurance fund;
(六)依照本条例的规定采取早期纠正措施和风险处置措施；
(6) Take early corrective measures and risk disposal measures in accordance with these Regulations;
(七)在本条例规定的限额内及时偿付存款人的被保险存款；
(7) Timely compensate depositors for insured deposits within the limits specified in these Regulations;
(八)国务院批准的其他职责。
(8) Other duties approved by the State Council.
存款保险基金管理机构由国务院决定。
The deposit insurance fund management institution shall be determined by the State Council.
本条例施行前已开业的吸收存款的银行业金融机构，应当在存款保险基金管理机构规定的期限内办理投保手续。
Banking financial institutions that absorb deposits and have commenced business before the implementation of these Regulations shall complete the insurance procedures within the time limit prescribed by the deposit insurance fund management institution.
本条例施行后开业的吸收存款的银行业金融机构，应当自工商行政管理部门颁发营业执照之日起6个月内，按照存款保险基金管理机构的规定办理投保手续。
Banking financial institutions that absorb deposits and commence business after the implementation of these Regulations shall, within six months from the date of issuance of the business license by the administrative department for industry and commerce, complete the insurance procedures in accordance with the provisions of the deposit insurance fund management institution.
存款保险费率由基准费率和风险差别费率构成。费率标准由存款保险基金管理机构根据经济金融发展状况、存款结构情况以及存款保险基金的累积水平等因素制定和调整，报国务院批准后执行。
The deposit insurance premium rate consists of a base rate and a risk-differentiated rate. The rate standards shall be formulated and adjusted by the deposit insurance fund management institution based on factors such as economic and financial development, deposit structure, and the accumulation level of the deposit insurance fund, and shall be implemented after approval by the State Council.
各投保机构的适用费率，由存款保险基金管理机构根据投保机构的经营管理状况和风险状况等因素确定。
The applicable rate for each insured institution shall be determined by the deposit insurance fund management institution based on factors such as the insured institution's operational management status and risk profile.
投保机构应当交纳的保费，按照本投保机构的被保险存款和存款保险基金管理机构确定的适用费率计算，具体办法由存款保险基金管理机构规定。
The premium payable by an insured institution shall be calculated based on the insured institution's insured deposits and the applicable rate determined by the deposit insurance fund management institution. The specific method shall be prescribed by the deposit insurance fund management institution.
投保机构应当按照存款保险基金管理机构的要求定期报送被保险存款余额、存款结构情况以及与确定适用费率、核算保费、偿付存款相关的其他必要资料。
An insured institution shall, as required by the deposit insurance fund management institution, regularly submit the balance of insured deposits, deposit structure information, and other necessary information related to determining the applicable rate, calculating premiums, and paying deposits.
投保机构应当按照存款保险基金管理机构的规定，每6个月交纳一次保费。
An insured institution shall pay premiums once every six months in accordance with the provisions of the deposit insurance fund management institution.
存款保险基金的运用，应当遵循安全、流动、保值增值的原则，限于下列形式：
The use of the deposit insurance fund shall follow the principles of safety, liquidity, and value preservation and appreciation, and shall be limited to the following forms:
(一)存放在中国人民银行；
(1) Deposited with the People's Bank of China;
(二)投资政府债券、中央银行票据、信用等级较高的金融债券以及其他高等级债券；
(2) Investment in government bonds, central bank bills, financial bonds with high credit ratings, and other high-grade bonds;
(三)国务院批准的其他资金运用形式。
(3) Other forms of fund use approved by the State Council.
存款保险基金管理机构应当自每一会计年度结束之日起3个月内编制存款保险基金收支的财务会计报告、报表，并编制年度报告，按照国家有关规定予以公布。
The deposit insurance fund management institution shall, within three months from the end of each fiscal year, prepare financial accounting reports and statements on the income and expenditure of the deposit insurance fund, and prepare an annual report, which shall be published in accordance with relevant state regulations.
存款保险基金的收支应当遵守国家统一的财务会计制度，并依法接受审计机关的审计监督。
The income and expenditure of the deposit insurance fund shall comply with the unified national financial accounting system and shall be subject to audit supervision by the audit authority in accordance with the law.
存款保险基金管理机构履行职责，发现有下列情形之一的，可以进行核查：
When performing its duties, the deposit insurance fund management institution may conduct inspections if it discovers any of the following circumstances:
(一)投保机构风险状况发生变化，可能需要调整适用费率的，对涉及费率计算的相关情况进行核查；
(1) If the risk profile of an insured institution changes and may require an adjustment to the applicable rate, it may inspect the relevant circumstances related to rate calculation;
(二)投保机构保费交纳基数可能存在问题的，对其存款的规模、结构以及真实性进行核查；
(2) If there may be issues with the premium payment base of an insured institution, it may inspect the scale, structure, and authenticity of its deposits;
(三)对投保机构报送的信息、资料的真实性进行核查。
(3) It may inspect the authenticity of information and materials submitted by an insured institution.
对核查中发现的重大问题，应当告知银行业监督管理机构。
Major issues discovered during inspections shall be reported to the banking regulatory authority.
存款保险基金管理机构参加金融监督管理协调机制，并与中国人民银行、银行业监督管理机构等金融管理部门、机构建立信息共享机制。
The deposit insurance fund management institution shall participate in the financial supervision and coordination mechanism and establish an information sharing mechanism with the People's Bank of China, the banking regulatory authority, and other financial regulatory departments and institutions.
存款保险基金管理机构应当通过信息共享机制获取有关投保机构的风险状况、检查报告和评级情况等监督管理信息。
The deposit insurance fund management institution shall obtain supervisory information such as the risk profile, inspection reports, and rating status of insured institutions through the information sharing mechanism.
前款规定的信息不能满足控制存款保险基金风险、保证及时偿付、确定差别费率等需要的，存款保险基金管理机构可以要求投保机构及时报送其他相关信息。
If the information referred to in the preceding paragraph is insufficient to meet the needs of controlling deposit insurance fund risks, ensuring timely payment, and determining differentiated rates, the deposit insurance fund management institution may require the insured institution to submit other relevant information in a timely manner.
存款保险基金管理机构发现投保机构存在资本不足等影响存款安全以及存款保险基金安全的情形的，可以对其提出风险警示。
If the deposit insurance fund management institution discovers that an insured institution has insufficient capital or other circumstances affecting deposit safety and the safety of the deposit insurance fund, it may issue a risk warning to the insured institution.
投保机构因重大资产损失等原因导致资本充足率大幅度下降，严重危及存款安全以及存款保险基金安全的，投保机构应当按照存款保险基金管理机构、中国人民银行、银行业监督管理机构的要求及时采取补充资本、控制资产增长、控制重大交易授信、降低杠杆率等措施。
If an insured institution experiences a significant decline in its capital adequacy ratio due to major asset losses or other reasons, seriously endangering deposit safety and the safety of the deposit insurance fund, the insured institution shall, as required by the deposit insurance fund management institution, the People's Bank of China, and the banking regulatory authority, promptly take measures such as supplementing capital, controlling asset growth, controlling major transaction credit, and reducing leverage.
投保机构有前款规定情形，且在存款保险基金管理机构规定的期限内未改进的，存款保险基金管理机构可以提高其适用费率。
If an insured institution falls under the circumstances specified in the preceding paragraph and fails to improve within the time limit prescribed by the deposit insurance fund management institution, the deposit insurance fund management institution may increase its applicable rate.
存款保险基金管理机构发现投保机构有《中华人民共和国银行业监督管理法》第三十八条、第三十九条规定情形的，可以建议银行业监督管理机构依法采取相应措施。
If the deposit insurance fund management institution discovers that an insured institution has circumstances as specified in Articles 38 and 39 of the Law of the People's Republic of China on Banking Regulation and Supervision, it may recommend that the banking regulatory authority take corresponding measures in accordance with the law.
存款保险基金管理机构可以选择下列方式使用存款保险基金，保护存款人利益：
The deposit insurance fund management institution may choose the following methods to use the deposit insurance fund to protect the interests of depositors:
(一)在本条例规定的限额内直接偿付被保险存款；
(1) Directly pay insured deposits within the limits prescribed in these Regulations;
(二)委托其他合格投保机构在本条例规定的限额内代为偿付被保险存款；
(2) Entrust other qualified insured institutions to pay insured deposits on its behalf within the limits prescribed in these Regulations;
(三)为其他合格投保机构提供担保、损失分摊或者资金支持，以促成其收购或者承担被接管、被撤销或者申请破产的投保机构的全部或者部分业务、资产、负债。
(3) Provide guarantees, loss sharing, or financial support to other qualified insured institutions to facilitate their acquisition or assumption of all or part of the business, assets, or liabilities of an insured institution that is taken over, dissolved, or has filed for bankruptcy.
存款保险基金管理机构在拟订存款保险基金使用方案选择前款规定方式时，应当遵循基金使用成本最小的原则。
When formulating a plan for the use of the deposit insurance fund and selecting the methods prescribed in the preceding paragraph, the deposit insurance fund management institution shall follow the principle of minimizing the cost of using the fund.
有下列情形之一的，存款人有权要求存款保险基金管理机构在本条例规定的限额内，使用存款保险基金偿付存款人的被保险存款：
Under any of the following circumstances, a depositor has the right to request the deposit insurance fund management institution to use the deposit insurance fund to pay the depositor's insured deposits within the limits prescribed in these Regulations:
(一)存款保险基金管理机构担任投保机构的接管组织；
(1) The deposit insurance fund management institution serves as the takeover organization of the insured institution;
(二)存款保险基金管理机构实施被撤销投保机构的清算；
(2) The deposit insurance fund management institution conducts the liquidation of the dissolved insured institution;
(三)人民法院裁定受理对投保机构的破产申请；
(3) The people's court has ruled to accept the bankruptcy application against the insured institution;
(四)经国务院批准的其他情形。
(4) Other circumstances approved by the State Council.
存款保险基金管理机构应当依照本条例的规定，在前款规定情形发生之日起7个工作日内足额偿付存款。
The deposit insurance fund management institution shall, in accordance with the provisions of these Regulations, pay the deposits in full within 7 working days from the date of occurrence of the circumstances prescribed in the preceding paragraph.
存款保险基金管理机构的工作人员有下列行为之一的，依法给予处分：
If a staff member of the deposit insurance fund management institution commits any of the following acts, disciplinary action shall be taken according to law:
(一)违反规定收取保费；
(1) Collecting premiums in violation of regulations;
(二)违反规定使用、运用存款保险基金；
(2) Using or managing the deposit insurance fund in violation of regulations;
(三)违反规定不及时、足额偿付存款。
(3) Failing to pay deposits in a timely manner and in full in violation of regulations.
存款保险基金管理机构的工作人员滥用职权、玩忽职守、泄露国家秘密或者所知悉的商业秘密的，依法给予处分；构成犯罪的，依法追究刑事责任。
If a staff member of the deposit insurance fund management institution abuses power, neglects duties, discloses state secrets, or discloses trade secrets known to them, disciplinary action shall be taken according to law; if the act constitutes a crime, criminal liability shall be pursued according to law.
投保机构有下列情形之一的，由存款保险基金管理机构责令限期改正；逾期不改正或者情节严重的，予以记录并作为调整该投保机构的适用费率的依据：
If an insured institution is in any of the following circumstances, the deposit insurance fund management institution shall order it to make corrections within a specified period; if it fails to make corrections within the period or if the circumstances are serious, it shall be recorded and used as a basis for adjusting the applicable premium rate of the insured institution:
(一)未依法投保；
(1) Failing to insure according to law;
(二)未依法及时、足额交纳保费；
(2) Failing to pay premiums in a timely manner and in full according to law;
(三)未按照规定报送信息、资料或者报送虚假的信息、资料；
(3) Failing to submit information or materials as required, or submitting false information or materials;
(四)拒绝或者妨碍存款保险基金管理机构依法进行的核查；
(4) Refusing or obstructing the verification conducted by the deposit insurance fund management institution according to law;
(五)妨碍存款保险基金管理机构实施存款保险基金使用方案。
(5) Obstructing the deposit insurance fund management institution from implementing the deposit insurance fund use plan.
投保机构有前款规定情形的，存款保险基金管理机构可以对投保机构的主管人员和直接责任人员予以公示。投保机构有前款第二项规定情形的，存款保险基金管理机构还可以按日加收未交纳保费部分0.05%的滞纳金。
If an insured institution is in any of the circumstances prescribed in the preceding paragraph, the deposit insurance fund management institution may publicize the persons in charge and directly responsible persons of the insured institution. If the insured institution is in the circumstance prescribed in item (2) of the preceding paragraph, the deposit insurance fund management institution may also charge a late fee of 0.05% per day on the unpaid portion of the premium.
本条例施行前，已被国务院银行业监督管理机构依法决定接管、撤销或者人民法院已受理破产申请的吸收存款的银行业金融机构，不适用本条例。
These Regulations shall not apply to banking financial institutions that accept deposits and have been legally decided to be taken over or dissolved by the banking regulatory institution of the State Council, or for which the people's court has accepted a bankruptcy application, before these Regulations take effect.
本条例自2015年5月1日起施行。
These Regulations shall take effect as of May 1, 2015.