KYB CHINA(1999年1月14日国务院第13次常务会议通过 1999年2月22日中华人民共和国国务院令第260号发布 自发布之日起施行)
(Adopted at the 13th Executive Meeting of the State Council on January 14, 1999, promulgated by Decree No. 260 of the State Council of the People's Republic of China on February 22, 1999, and effective as of the date of promulgation.)
为了惩处金融违法行为，维护金融秩序，防范金融风险，制定本办法。
These Measures are formulated to punish financial illegal acts, maintain financial order, and prevent financial risks.
金融机构违反国家有关金融管理的规定，有关法律、行政法规有处罚规定的，依照其规定给予处罚；有关法律、行政法规未作处罚规定或者有关行政法规的处罚规定与本办法不一致的，依照本办法给予处罚。
Where a financial institution violates the provisions of the state on financial administration, and the relevant laws and administrative regulations provide for penalties, penalties shall be imposed in accordance with those provisions; where the relevant laws and administrative regulations do not provide for penalties or the provisions on penalties in the relevant administrative regulations are inconsistent with these Measures, penalties shall be imposed in accordance with these Measures.
本办法所称金融机构，是指在中华人民共和国境内依法设立和经营金融业务的机构，包括银行、信用合作社、财务公司、信托投资公司、金融租赁公司等。
For the purposes of these Measures, "financial institutions" refer to institutions lawfully established and operating financial business within the territory of the People's Republic of China, including banks, credit cooperatives, finance companies, trust and investment companies, financial leasing companies, etc.
本办法规定的行政处罚，由中国人民银行决定；但是本办法第二十四条、第二十五条规定的行政处罚，由国家外汇管理机关决定。
The administrative penalties prescribed in these Measures shall be decided by the People's Bank of China; however, the administrative penalties prescribed in Articles 24 and 25 of these Measures shall be decided by the state foreign exchange administration authorities.
本办法规定的纪律处分，包括警告、记过、记大过、降级、撤职、留用察看、开除，由所在金融机构或者上级金融机构决定。
The disciplinary sanctions prescribed in these Measures include warning, demerit recording, serious demerit recording, demotion, removal from office, probation for retention, and dismissal, and shall be decided by the financial institution concerned or its superior financial institution.
金融机构的工作人员依照本办法受到开除的纪律处分的，终身不得在金融机构工作，由中国人民银行通知各金融机构不得任用，并在全国性报纸上公告。金融机构的高级管理人员依照本办法受到撤职的纪律处分的，由中国人民银行决定在一定期限内直至终身不得在任何金融机构担任高级管理职务或者与原职务相当的职务，通知各金融机构不得任用，并在全国性报纸上公告。
Where a staff member of a financial institution is subject to the disciplinary sanction of dismissal in accordance with these Measures, he or she shall be permanently prohibited from working in any financial institution; the People's Bank of China shall notify all financial institutions not to employ such person and shall publish an announcement in a national newspaper. Where a senior manager of a financial institution is subject to the disciplinary sanction of removal from office in accordance with these Measures, the People's Bank of China shall decide that such person shall be prohibited, for a certain period or permanently, from holding any senior management position or a position equivalent to the original position in any financial institution; it shall notify all financial institutions not to employ such person and shall publish an announcement in a national newspaper.
本办法所称高级管理人员，是指金融机构的法定代表人和其他主要负责人，包括银行及其分支机构的董事长、副董事长、行长、副行长、主任、副主任；信用合作社的理事长、副理事长、主任、副主任；财务公司、信托投资公司、金融租赁公司等金融机构的董事长、副董事长、总经理、副总经理等。
For the purposes of these Measures, "senior managers" refer to the legal representatives and other principal responsible persons of financial institutions, including the chairman, vice chairman, president, vice president, director, and deputy director of a bank and its branches; the chairman, vice chairman, director, and deputy director of a credit cooperative; and the chairman, vice chairman, general manager, and deputy general manager of finance companies, trust and investment companies, financial leasing companies, and other financial institutions.
金融机构的工作人员离开该金融机构工作后，被发现在该金融机构工作期间违反国家有关金融管理规定的，仍然应当依法追究责任。
Where a staff member of a financial institution, after leaving the financial institution, is found to have violated the provisions of the state on financial administration during his or her employment at the financial institution, he or she shall still be held liable in accordance with the law.
金融机构设立、合并、撤销分支机构或者代表机构的，应当经中国人民银行批准。
A financial institution that establishes, merges, or dissolves a branch or representative office shall obtain approval from the People's Bank of China.
未经中国人民银行批准，金融机构擅自设立、合并、撤销分支机构或者代表机构的，给予警告，并处5万元以上30万元以下的罚款；对该金融机构直接负责的高级管理人员，给予撤职直至开除的纪律处分。
Where a financial institution, without approval from the People's Bank of China, establishes, merges, or dissolves a branch or representative office, it shall be given a warning and be fined not less than 50,000 yuan but not more than 300,000 yuan; the senior manager directly responsible of the financial institution shall be given a disciplinary sanction of removal from office up to dismissal.
金融机构有下列情形之一的，应当经中国人民银行批准：
A financial institution shall obtain approval from the People's Bank of China under any of the following circumstances:
(一)变更名称；
(1) Change of name;
(二)变更注册资本；
(2) Change of registered capital;
(三)变更机构所在地；
(3) Change of the location of the institution;
(四)更换高级管理人员；
(4) Replacement of senior managers;
(五)中国人民银行规定的其他变更、更换情形。
(5) Other changes or replacements as prescribed by the People's Bank of China.
金融机构未经中国人民银行批准，有前款所列情形之一的，给予警告，并处1万元以上10万元以下的罚款；有前款第(四)项所列情形的，对该金融机构直接负责的高级管理人员，给予撤职直至开除的纪律处分。
Where a financial institution, without approval from the People's Bank of China, falls under any of the circumstances listed in the preceding paragraph, it shall be given a warning and be fined not less than 10,000 yuan but not more than 100,000 yuan; where the circumstance listed in item (4) of the preceding paragraph occurs, the senior manager directly responsible of the financial institution shall be given a disciplinary sanction of removal from office up to dismissal.
金融机构变更股东、转让股权或者调整股权结构的，应当经中国人民银行批准；涉及国有股权变动的，并应当按照规定经财政部门批准。
A financial institution that changes its shareholders, transfers equity, or adjusts its equity structure shall obtain approval from the People's Bank of China; where state-owned equity is involved, it shall also obtain approval from the financial department in accordance with the provisions.
未经依法批准，金融机构擅自变更股东、转让股权或者调整股权结构的，给予警告，没收违法所得，并处违法所得1倍以上3倍以下的罚款，没有违法所得的，处5万元以上30万元以下的罚款；对该金融机构直接负责的高级管理人员，给予撤职直至开除的纪律处分。
Where a financial institution, without lawful approval, changes its shareholders, transfers equity, or adjusts its equity structure, it shall be given a warning, its illegal gains shall be confiscated, and it shall be fined not less than one time but not more than three times the illegal gains; if there are no illegal gains, it shall be fined not less than 50,000 yuan but not more than 300,000 yuan; the senior manager directly responsible of the financial institution shall be given a disciplinary sanction of removal from office up to dismissal.
金融机构不得虚假出资或者抽逃出资。
A financial institution shall not make false capital contributions or withdraw capital contributions.
金融机构虚假出资或者抽逃出资的，责令停业整顿，并处虚假出资金额或者抽逃出资金额5%以上10%以下的罚款；对该金融机构直接负责的高级管理人员给予开除的纪律处分，对其他直接负责的主管人员和直接责任人员给予记过直至开除的纪律处分；情节严重的，吊销该金融机构的经营金融业务许可证；构成虚假出资、抽逃出资罪或者其他罪的，依法追究刑事责任。
Where a financial institution makes false capital contributions or withdraws capital contributions, it shall be ordered to suspend business for rectification and be fined not less than 5% but not more than 10% of the amount of the false capital contribution or the withdrawn capital contribution; the senior manager directly responsible of the financial institution shall be given a disciplinary sanction of dismissal, and other directly responsible supervisors and other directly responsible persons shall be given a disciplinary sanction of demerit recording up to dismissal; if the circumstances are serious, the financial institution's license for engaging in financial business shall be revoked; if a crime of false capital contribution, withdrawal of capital contribution, or any other crime is constituted, criminal liability shall be pursued in accordance with the law.
金融机构不得超出中国人民银行批准的业务范围从事金融业务活动。
A financial institution shall not engage in financial business activities beyond the scope of business approved by the People's Bank of China.
金融机构超出中国人民银行批准的业务范围从事金融业务活动的，给予警告，没收违法所得，并处违法所得1倍以上5倍以下的罚款，没有违法所得的，处10万元以上50万元以下的罚款；对该金融机构直接负责的高级管理人员给予撤职直至开除的纪律处分，对其他直接负责的主管人员和直接责任人员给予记过直至开除的纪律处分；情节严重的，责令该金融机构停业整顿或者吊销经营金融业务许可证；构成非法经营罪或者其他罪的，依法追究刑事责任。
Where a financial institution engages in financial business activities beyond the scope of business approved by the People's Bank of China, it shall be given a warning, its illegal gains shall be confiscated, and it shall be fined not less than one time but not more than five times the illegal gains; if there are no illegal gains, it shall be fined not less than 100,000 yuan but not more than 500,000 yuan; the senior manager directly responsible of the financial institution shall be given a disciplinary sanction of removal from office up to dismissal, and other directly responsible supervisors and other directly responsible persons shall be given a disciplinary sanction of demerit recording up to dismissal; if the circumstances are serious, the financial institution shall be ordered to suspend business for rectification or its license for engaging in financial business shall be revoked; if a crime of illegal business operation or any other crime is constituted, criminal liability shall be pursued in accordance with the law.
金融机构的代表机构不得经营金融业务。
A representative office of a financial institution shall not engage in financial business.
金融机构的代表机构经营金融业务的，给予警告，没收违法所得，并处违法所得1倍以上3倍以下的罚款，没有违法所得的，处5万元以上30万元以下的罚款；对该金融机构直接负责的高级管理人员给予撤职直至开除的纪律处分，对其他直接负责的主管人员和直接责任人员给予降级直至开除的纪律处分；情节严重的，撤销该代表机构。
If a representative office of a financial institution engages in financial business, it shall be given a warning, the illegal gains shall be confiscated, and a fine of not less than one time but not more than three times the illegal gains shall be imposed; if there are no illegal gains, a fine of not less than 50,000 yuan but not more than 300,000 yuan shall be imposed. The senior management personnel directly responsible of the financial institution shall be given disciplinary sanctions ranging from removal from office to expulsion, and other directly responsible supervisors and other directly responsible personnel shall be given disciplinary sanctions ranging from demotion to expulsion. If the circumstances are serious, the representative office shall be dissolved.
金融机构不得以下列方式从事帐外经营行为：
Financial institutions shall not engage in off-balance-sheet operations in the following ways:
(一)办理存款、贷款等业务不按照会计制度记帐、登记，或者不在会计报表中反映；
(1) Handling deposit, loan, and other businesses without recording or registering in accordance with accounting systems, or not reflecting them in accounting statements;
(二)将存款与贷款等不同业务在同一帐户内轧差处理；
(2) Netting deposits and loans and other different businesses within the same account;
(三)经营收入未列入会计帐册；
(3) Not including operating income in accounting books;
(四)其他方式的帐外经营行为。
(4) Other forms of off-balance-sheet operations.
金融机构违反前款规定的，给予警告，没收违法所得，并处违法所得1倍以上5倍以下的罚款，没有违法所得的，处10万元以上50万元以下的罚款；对该金融机构直接负责的高级管理人员、其他直接负责的主管人员和直接责任人员，给予开除的纪律处分；情节严重的，责令该金融机构停业整顿或者吊销经营金融业务许可证；构成用帐外客户资金非法拆借、发放贷款罪或者其他罪的，依法追究刑事责任。
If a financial institution violates the provisions of the preceding paragraph, it shall be given a warning, the illegal gains shall be confiscated, and a fine of not less than one time but not more than five times the illegal gains shall be imposed; if there are no illegal gains, a fine of not less than 100,000 yuan but not more than 500,000 yuan shall be imposed. The senior management personnel directly responsible, other directly responsible supervisors, and other directly responsible personnel of the financial institution shall be given disciplinary sanctions of expulsion. If the circumstances are serious, the financial institution shall be ordered to suspend business for rectification or its financial business permit shall be revoked. If the act constitutes the crime of illegal borrowing or lending using off-balance-sheet client funds or other crimes, criminal liability shall be pursued according to law.
金融机构不得提供虚假的或者隐瞒重要事实的财务会计报告、统计报告。
Financial institutions shall not provide false financial accounting reports or statistical reports, or conceal important facts.
金融机构提供虚假的或者隐瞒重要事实的财务会计报告、统计报告的，给予警告，并处10万元以上50万元以下的罚款；对该金融机构直接负责的高级管理人员给予撤职直至开除的纪律处分，对其他直接负责的主管人员和直接责任人员给予记大过直至开除的纪律处分；情节严重的，责令该金融机构停业整顿或者吊销经营金融业务许可证；构成提供虚假财会报告罪或者其他罪的，依法追究刑事责任。
If a financial institution provides false financial accounting reports or statistical reports, or conceals important facts, it shall be given a warning and a fine of not less than 100,000 yuan but not more than 500,000 yuan. The senior management personnel directly responsible of the financial institution shall be given disciplinary sanctions ranging from removal from office to expulsion, and other directly responsible supervisors and other directly responsible personnel shall be given disciplinary sanctions ranging from a major demerit to expulsion. If the circumstances are serious, the financial institution shall be ordered to suspend business for rectification or its financial business permit shall be revoked. If the act constitutes the crime of providing false financial reports or other crimes, criminal liability shall be pursued according to law.
金融机构不得出具与事实不符的信用证、保函、票据、存单、资信证明等金融票证。
Financial institutions shall not issue letters of credit, guarantees, bills, certificates of deposit, credit certificates, or other financial instruments that are inconsistent with the facts.
金融机构弄虚作假，出具与事实不符的信用证、保函、票据、存单、资信证明等金融票证的，给予警告，没收违法所得，并处违法所得1倍以上5倍以下的罚款，没有违法所得的，处10万元以上50万元以下的罚款；对该金融机构直接负责的高级管理人员、其他直接负责的主管人员和直接责任人员，给予开除的纪律处分；构成非法出具金融票证罪或者其他罪的，依法追究刑事责任。
If a financial institution engages in fraud by issuing letters of credit, guarantees, bills, certificates of deposit, credit certificates, or other financial instruments that are inconsistent with the facts, it shall be given a warning, the illegal gains shall be confiscated, and a fine of not less than one time but not more than five times the illegal gains shall be imposed; if there are no illegal gains, a fine of not less than 100,000 yuan but not more than 500,000 yuan shall be imposed. The senior management personnel directly responsible, other directly responsible supervisors, and other directly responsible personnel of the financial institution shall be given disciplinary sanctions of expulsion. If the act constitutes the crime of illegally issuing financial instruments or other crimes, criminal liability shall be pursued according to law.
金融机构对违反票据法规定的票据，不得承兑、贴现、付款或者保证。
Financial institutions shall not accept, discount, pay, or guarantee bills that violate the provisions of the Negotiable Instruments Law.
金融机构对违反票据法规定的票据，予以承兑、贴现、付款或者保证的，给予警告，没收违法所得，并处违法所得1倍以上3倍以下的罚款，没有违法所得的，处5万元以上30万元以下的罚款；对该金融机构直接负责的高级管理人员、其他直接负责的主管人员和直接责任人员，给予记大过直至开除的纪律处分；造成资金损失的，对该金融机构直接负责的高级管理人员，给予撤职直至开除的纪律处分；构成对违法票据承兑、付款、保证罪或者其他罪的，依法追究刑事责任。
If a financial institution accepts, discounts, pays, or guarantees bills that violate the provisions of the Negotiable Instruments Law, it shall be given a warning, the illegal gains shall be confiscated, and a fine of not less than one time but not more than three times the illegal gains shall be imposed; if there are no illegal gains, a fine of not less than 50,000 yuan but not more than 300,000 yuan shall be imposed. The senior management personnel directly responsible, other directly responsible supervisors, and other directly responsible personnel of the financial institution shall be given disciplinary sanctions ranging from a major demerit to expulsion. If financial losses are caused, the senior management personnel directly responsible of the financial institution shall be given disciplinary sanctions ranging from removal from office to expulsion. If the act constitutes the crime of accepting, paying, or guaranteeing illegal bills or other crimes, criminal liability shall be pursued according to law.
金融机构办理存款业务，不得有下列行为：
When handling deposit business, financial institutions shall not engage in the following acts:
(一)擅自提高利率或者变相提高利率，吸收存款；
(1) Unilaterally raising interest rates or raising interest rates in disguised form to absorb deposits;
(二)明知或者应知是单位资金，而允许以个人名义开立帐户存储；
(2) Knowing or should have known that funds are unit funds, but allowing them to be deposited in accounts opened in individual names;
(三)擅自开办新的存款业务种类；
(3) Unilaterally opening new types of deposit business;
(四)吸收存款不符合中国人民银行规定的客户范围、期限和最低限额；
(4) Absorbing deposits that do not meet the customer scope, term, and minimum amount prescribed by the People's Bank of China;
(五)违反规定为客户多头开立帐户；
(5) Violating regulations by opening multiple accounts for customers;
(六)违反中国人民银行规定的其他存款行为。
(6) Other deposit acts that violate the provisions of the People's Bank of China.
金融机构有前款所列行为之一的，给予警告，没收违法所得，并处违法所得1倍以上3倍以下的罚款，没有违法所得的，处5万元以上30万元以下的罚款；对该金融机构直接负责的高级管理人员给予撤职直至开除的纪律处分，对其他直接负责的主管人员和直接责任人员给予降级直至开除的纪律处分；情节严重的，责令该金融机构停业整顿或者吊销经营金融业务许可证。
If a financial institution commits any of the acts listed in the preceding paragraph, it shall be given a warning, the illegal gains shall be confiscated, and a fine of not less than one time but not more than three times the illegal gains shall be imposed; if there are no illegal gains, a fine of not less than 50,000 yuan but not more than 300,000 yuan shall be imposed. The senior management personnel directly responsible of the financial institution shall be given disciplinary sanctions ranging from removal from office to expulsion, and other directly responsible supervisors and other directly responsible personnel shall be given disciplinary sanctions ranging from demotion to expulsion. If the circumstances are serious, the financial institution shall be ordered to suspend business for rectification or its financial business permit shall be revoked.
金融机构办理贷款业务，不得有下列行为：
When handling loan business, financial institutions shall not engage in the following acts:
(一)向关系人发放信用贷款；
(1) Extending unsecured loans to related parties;
(二)向关系人发放担保贷款的条件优于其他借款人同类贷款的条件；
(2) Extending secured loans to related parties on terms more favorable than those for similar loans to other borrowers;
(三)违反规定提高或者降低利率以及采用其他不正当手段发放贷款；
(3) Violating regulations by raising or lowering interest rates or using other improper means to extend loans;
(四)违反中国人民银行规定的其他贷款行为。
(4) Other lending acts that violate the regulations of the People's Bank of China.
金融机构有前款所列行为之一的，给予警告，没收违法所得，并处违法所得1倍以上5倍以下的罚款，没有违法所得的，处10万元以上50万元以下的罚款；对该金融机构直接负责的高级管理人员、其他直接负责的主管人员和直接责任人员，给予撤职直至开除的纪律处分；情节严重的，责令该金融机构停业整顿或者吊销经营金融业务许可证；构成违法向关系人发放贷款罪、违法发放贷款罪或者其他罪的，依法追究刑事责任。
If a financial institution commits any of the acts listed in the preceding paragraph, it shall be given a warning, have its illegal income confiscated, and be fined not less than one time but not more than five times the illegal income; if there is no illegal income, a fine of not less than 100,000 yuan but not more than 500,000 yuan shall be imposed. The senior managers directly responsible, other directly responsible persons in charge, and directly liable persons of the financial institution shall be given disciplinary sanctions ranging from removal from office to expulsion. If the circumstances are serious, the financial institution shall be ordered to suspend operations for rectification or have its financial business license revoked. If the act constitutes the crime of illegally granting loans to related parties, the crime of illegally granting loans, or other crimes, criminal liability shall be pursued according to law.
金融机构从事拆借活动，不得有下列行为：
Financial institutions engaging in interbank borrowing activities shall not engage in the following acts:
(一)拆借资金超过最高限额；
(1) Borrowing funds exceeding the maximum limit;
(二)拆借资金超过最长期限；
(2) Borrowing funds exceeding the maximum term;
(三)不具有同业拆借业务资格而从事同业拆借业务；
(3) Engaging in interbank borrowing business without having the qualification for interbank borrowing business;
(四)在全国统一同业拆借网络之外从事同业拆借业务；
(4) Engaging in interbank borrowing business outside the national unified interbank borrowing network;
(五)违反中国人民银行规定的其他拆借行为。
(5) Other borrowing acts that violate the regulations of the People's Bank of China.
金融机构有前款所列行为之一的，暂停或者停止该项业务，没收违法所得，并处违法所得1倍以上3倍以下的罚款，没有违法所得的，处5万元以上30万元以下的罚款；对该金融机构直接负责的高级管理人员、其他直接负责的主管人员和直接责任人员，给予记大过直至开除的纪律处分。
If a financial institution commits any of the acts listed in the preceding paragraph, it shall be suspended or stopped from engaging in that business, have its illegal income confiscated, and be fined not less than one time but not more than three times the illegal income; if there is no illegal income, a fine of not less than 50,000 yuan but not more than 300,000 yuan shall be imposed. The senior managers directly responsible, other directly responsible persons in charge, and directly liable persons of the financial institution shall be given disciplinary sanctions ranging from a major demerit to expulsion.
金融机构不得违反国家规定从事证券、期货或者其他衍生金融工具交易，不得为证券、期货或者其他衍生金融工具交易提供信贷资金或者担保，不得违反国家规定从事非自用不动产、股权、实业等投资活动。
Financial institutions shall not engage in securities, futures, or other derivative financial instrument transactions in violation of state regulations, shall not provide credit funds or guarantees for securities, futures, or other derivative financial instrument transactions, and shall not engage in investment activities such as non-self-use real estate, equity, or industry in violation of state regulations.
金融机构违反前款规定的，给予警告，没收违法所得，并处违法所得1倍以上5倍以下的罚款，没有违法所得的，处10万元以上50万元以下的罚款；对该金融机构直接负责的高级管理人员给予开除的纪律处分，对其他直接负责的主管人员和直接责任人员给予撤职直至开除的纪律处分；情节严重的，责令该金融机构停业整顿或者吊销经营金融业务许可证；构成非法经营罪、违法发放贷款罪或者其他罪的，依法追究刑事责任。
If a financial institution violates the provisions of the preceding paragraph, it shall be given a warning, have its illegal income confiscated, and be fined not less than one time but not more than five times the illegal income; if there is no illegal income, a fine of not less than 100,000 yuan but not more than 500,000 yuan shall be imposed. The senior managers directly responsible of the financial institution shall be given disciplinary sanctions of expulsion, and other directly responsible persons in charge and directly liable persons shall be given disciplinary sanctions ranging from removal from office to expulsion. If the circumstances are serious, the financial institution shall be ordered to suspend operations for rectification or have its financial business license revoked. If the act constitutes the crime of illegal business operation, the crime of illegally granting loans, or other crimes, criminal liability shall be pursued according to law.
金融机构应当遵守中国人民银行有关现金管理的规定，不得允许单位或者个人超限额提取现金。
Financial institutions shall comply with the regulations of the People's Bank of China on cash management and shall not allow units or individuals to withdraw cash exceeding the limit.
金融机构违反中国人民银行有关现金管理的规定，允许单位或者个人超限额提取现金的，给予警告，并处5万元以上30万元以下的罚款；对该金融机构直接负责的高级管理人员、其他直接负责的主管人员和直接责任人员，给予记大过直至开除的纪律处分。
If a financial institution violates the regulations of the People's Bank of China on cash management by allowing units or individuals to withdraw cash exceeding the limit, it shall be given a warning and fined not less than 50,000 yuan but not more than 300,000 yuan. The senior managers directly responsible, other directly responsible persons in charge, and directly liable persons of the financial institution shall be given disciplinary sanctions ranging from a major demerit to expulsion.
金融机构应当遵守中国人民银行有关信用卡管理的规定，不得违反规定对持卡人透支或者帮助持卡人利用信用卡套取现金。
Financial institutions shall comply with the regulations of the People's Bank of China on credit card management and shall not allow cardholders to overdraw or assist cardholders in using credit cards to withdraw cash in violation of regulations.
金融机构违反中国人民银行有关信用卡管理的规定，对持卡人透支或者帮助持卡人利用信用卡套取现金的，给予警告，并处5万元以上30万元以下的罚款；对该金融机构直接负责的高级管理人员、其他直接负责的主管人员和直接责任人员，给予记大过直至开除的纪律处分。
If a financial institution violates the regulations of the People's Bank of China on credit card management by allowing cardholders to overdraw or assisting cardholders in using credit cards to withdraw cash, it shall be given a warning and fined not less than 50,000 yuan but not more than 300,000 yuan. The senior managers directly responsible, other directly responsible persons in charge, and directly liable persons of the financial institution shall be given disciplinary sanctions ranging from a major demerit to expulsion.
金融机构应当遵守中国人民银行有关资产负债比例管理的规定。
Financial institutions shall comply with the regulations of the People's Bank of China on asset-liability ratio management.
金融机构违反中国人民银行有关资产负债比例管理规定的，给予警告，没收违法所得，并处违法所得1倍以上3倍以下的罚款，没有违法所得的，处5万元以上30万元以下的罚款；对该金融机构直接负责的高级管理人员，给予记大过直至开除的纪律处分。
If a financial institution violates the regulations of the People's Bank of China on asset-liability ratio management, it shall be given a warning, have its illegal income confiscated, and be fined not less than one time but not more than three times the illegal income; if there is no illegal income, a fine of not less than 50,000 yuan but not more than 300,000 yuan shall be imposed. The senior managers directly responsible of the financial institution shall be given disciplinary sanctions ranging from a major demerit to expulsion.
金融机构不得占压财政存款或者资金。
Financial institutions shall not occupy fiscal deposits or funds.
金融机构占压财政存款或者资金的，给予警告，没收违法所得，并处违法所得1倍以上3倍以下的罚款，没有违法所得的，处5万元以上30万元以下的罚款；对该金融机构直接负责的高级管理人员给予撤职直至开除的纪律处分，对其他直接负责的主管人员和直接责任人员给予降级直至开除的纪律处分。
If a financial institution occupies fiscal deposits or funds, it shall be given a warning, have its illegal income confiscated, and be fined not less than one time but not more than three times the illegal income; if there is no illegal income, a fine of not less than 50,000 yuan but not more than 300,000 yuan shall be imposed. The senior managers directly responsible of the financial institution shall be given disciplinary sanctions ranging from removal from office to expulsion, and other directly responsible persons in charge and directly liable persons shall be given disciplinary sanctions ranging from demotion to expulsion.
金融机构应当依法协助税务机关、海关办理对纳税人存款的冻结、扣划。
Financial institutions shall lawfully assist tax authorities and customs in freezing and deducting taxpayers' deposits.
金融机构违反前款规定，造成税款流失的，给予警告，并处10万元以上50万元以下的罚款；对该金融机构直接负责的高级管理人员、其他直接负责的主管人员和直接责任人员，给予撤职直至开除的纪律处分；构成违反治安管理行为的，依法给予治安管理处罚；构成妨害公务罪或者其他罪的，依法追究刑事责任。
If a financial institution violates the provisions of the preceding paragraph, resulting in tax loss, it shall be given a warning and fined not less than 100,000 yuan but not more than 500,000 yuan. The senior managers directly responsible, other directly responsible persons in charge, and directly liable persons of the financial institution shall be given disciplinary sanctions ranging from removal from office to expulsion. If the act constitutes a violation of public security administration, public security administration penalties shall be imposed according to law. If the act constitutes the crime of obstructing official duties or other crimes, criminal liability shall be pursued according to law.
经营外汇业务的金融机构应当遵守国家外汇管理规定。
Financial institutions engaged in foreign exchange business shall comply with state foreign exchange regulations.
经营外汇业务的金融机构违反国家外汇管理规定的，依照外汇管理条例的规定，给予行政处罚；对该金融机构直接负责的高级管理人员、其他直接负责的主管人员和直接责任人员，给予记过直至开除的纪律处分；情节严重的，对该金融机构直接负责的高级管理人员，给予撤职直至开除的纪律处分；构成犯罪的，依法追究刑事责任。
If a financial institution engaged in foreign exchange business violates state foreign exchange regulations, administrative penalties shall be imposed in accordance with the Foreign Exchange Control Regulations. The senior managers directly responsible, other directly responsible persons in charge, and directly liable persons of the financial institution shall be given disciplinary sanctions ranging from a demerit to expulsion. If the circumstances are serious, the senior managers directly responsible of the financial institution shall be given disciplinary sanctions ranging from removal from office to expulsion. If the act constitutes a crime, criminal liability shall be pursued according to law.
经营外汇业务的金融机构，不得有下列行为：
Financial institutions engaged in foreign exchange business shall not engage in the following acts:
(一)对大额购汇、频繁购汇、存取大额外币现钞等异常情况不及时报告；
(1) Failing to promptly report abnormal situations such as large-amount foreign exchange purchases, frequent foreign exchange purchases, and large-amount foreign currency cash deposits and withdrawals;
(二)未按照规定办理国际收支申报。
(2) Failing to handle international balance of payments reporting in accordance with regulations.
经营外汇业务的金融机构有前款所列行为之一的，给予警告，并处5万元以上30万元以下的罚款；对该金融机构直接负责的高级管理人员、其他直接负责的主管人员和直接责任人员，给予记过直至开除的纪律处分；情节严重的，对该金融机构直接负责的高级管理人员，给予撤职直至开除的纪律处分；构成签订、履行合同失职被骗罪或者其他罪的，依法追究刑事责任。
If a financial institution engaged in foreign exchange business commits any of the acts listed in the preceding paragraph, it shall be given a warning and fined not less than 50,000 yuan but not more than 300,000 yuan; the senior management personnel directly responsible, other directly responsible supervisors, and directly responsible persons of the financial institution shall be given disciplinary sanctions ranging from a demerit to dismissal; if the circumstances are serious, the senior management personnel directly responsible of the financial institution shall be given disciplinary sanctions ranging from removal from office to dismissal; if the act constitutes the crime of dereliction of duty in signing and performing contracts resulting in fraud or any other crime, criminal liability shall be pursued according to law.
商业银行不得为证券、期货交易资金清算透支或者为新股申购透支。
Commercial banks shall not overdraw for the settlement of securities or futures trading funds or for the subscription of new shares.
商业银行为证券、期货交易资金清算透支或者为新股申购透支的，给予警告，没收违法所得，并处违法所得1倍以上5倍以下的罚款，没有违法所得的，处10万元以上50万元以下的罚款；对该商业银行直接负责的高级管理人员给予开除的纪律处分，对其他直接负责的主管人员和直接责任人员给予撤职直至开除的纪律处分。
If a commercial bank overdraws for the settlement of securities or futures trading funds or for the subscription of new shares, it shall be given a warning, its illegal gains shall be confiscated, and it shall be fined not less than one time but not more than five times the illegal gains; if there are no illegal gains, a fine of not less than 100,000 yuan but not more than 500,000 yuan shall be imposed; the senior management personnel directly responsible of the commercial bank shall be given disciplinary sanctions of dismissal, and other directly responsible supervisors and directly responsible persons shall be given disciplinary sanctions ranging from removal from office to dismissal.
财务公司不得有下列行为：
Finance companies shall not engage in the following acts:
(一)超过中国人民银行批准的规模发行财务公司债券；
(1) Issuing finance company bonds exceeding the scale approved by the People's Bank of China;
(二)吸收非集团成员单位存款或者向非集团成员单位发放贷款；
(2) Absorbing deposits from non-group member units or granting loans to non-group member units;
(三)违反规定向非集团成员单位提供金融服务；
(3) Providing financial services to non-group member units in violation of regulations;
(四)违反中国人民银行规定的其他行为。
(4) Other acts in violation of the regulations of the People's Bank of China.
财务公司有前款所列行为之一的，给予警告，没收违法所得，并处违法所得1倍以上5倍以下的罚款，没有违法所得的，处10万元以上50万元以下的罚款；对该财务公司直接负责的高级管理人员、其他直接负责的主管人员和直接责任人员，给予记过直至开除的纪律处分；情节严重的，责令该财务公司停业整顿，对直接负责的高级管理人员给予撤职直至开除的纪律处分；构成非法吸收公众存款罪、擅自发行股票、公司企业债券罪或者其他罪的，依法追究刑事责任。
If a finance company commits any of the acts listed in the preceding paragraph, it shall be given a warning, its illegal gains shall be confiscated, and it shall be fined not less than one time but not more than five times the illegal gains; if there are no illegal gains, a fine of not less than 100,000 yuan but not more than 500,000 yuan shall be imposed; the senior management personnel directly responsible, other directly responsible supervisors, and directly responsible persons of the finance company shall be given disciplinary sanctions ranging from a demerit to dismissal; if the circumstances are serious, the finance company shall be ordered to suspend operations for rectification, and the senior management personnel directly responsible shall be given disciplinary sanctions ranging from removal from office to dismissal; if the act constitutes the crime of illegally absorbing public deposits, the crime of unauthorized issuance of stocks or corporate bonds, or any other crime, criminal liability shall be pursued according to law.
信托投资公司不得以办理委托、信托业务名义吸收公众存款、发放贷款，不得违反国家规定办理委托、信托业务。
Trust and investment companies shall not absorb public deposits or grant loans under the guise of entrusted or trust business, and shall not handle entrusted or trust business in violation of state regulations.
信托投资公司违反前款规定的，给予警告，没收违法所得，并处违法所得1倍以上5倍以下的罚款，没有违法所得的，处10万元以上50万元以下的罚款；对该信托投资公司直接负责的高级管理人员、其他直接负责的主管人员和直接责任人员，给予记大过直至开除的纪律处分；情节严重的，暂停或者停止该项业务，对直接负责的高级管理人员给予撤职直至开除的纪律处分；构成非法吸收公众存款罪、集资诈骗罪或者其他罪的，依法追究刑事责任。
If a trust and investment company violates the provisions of the preceding paragraph, it shall be given a warning, its illegal gains shall be confiscated, and it shall be fined not less than one time but not more than five times the illegal gains; if there are no illegal gains, a fine of not less than 100,000 yuan but not more than 500,000 yuan shall be imposed; the senior management personnel directly responsible, other directly responsible supervisors, and directly responsible persons of the trust and investment company shall be given disciplinary sanctions ranging from a major demerit to dismissal; if the circumstances are serious, the business shall be suspended or terminated, and the senior management personnel directly responsible shall be given disciplinary sanctions ranging from removal from office to dismissal; if the act constitutes the crime of illegally absorbing public deposits, the crime of fundraising fraud, or any other crime, criminal liability shall be pursued according to law.
金融机构缴纳的罚款和被没收的违法所得，不得列入该金融机构的成本、费用。
The fines paid and illegal gains confiscated by financial institutions shall not be included in the costs or expenses of the financial institution.
对中国人民银行所属从事金融业务的机构的金融违法行为的处罚，适用本办法。
The punishment of financial illegal acts committed by institutions engaged in financial business under the People's Bank of China shall be governed by these Measures.
对证券违法行为的处罚，依照国家有关证券管理的法律、行政法规执行，不适用本办法。
The punishment of securities illegal acts shall be implemented in accordance with the laws and administrative regulations on securities management of the state, and these Measures shall not apply.
对保险违法行为的处罚，依照国家有关保险管理的法律、行政法规执行，不适用本办法。
The punishment of insurance illegal acts shall be implemented in accordance with the laws and administrative regulations on insurance management of the state, and these Measures shall not apply.
本办法自发布之日起施行。
These Measures shall come into force as of the date of promulgation.