KYB CHINA(1992年12月11日中华人民共和国国务院令第107号发布 根据2011年1月8日《国务院关于废止和修改部分行政法规的决定》修订)
(Issued by Decree No. 107 of the State Council of the People's Republic of China on December 11, 1992, and revised in accordance with the Decision of the State Council on Abrogating and Amending Certain Administrative Regulations on January 8, 2011)
总则
General Provisions
为了发展储蓄事业，保护储户的合法权益，加强储蓄管理，制定本条例。
These Regulations are formulated to develop the savings industry, protect the legitimate rights and interests of depositors, and strengthen savings management.
凡在中国境内办理储蓄业务的储蓄机构和参加储蓄的个人，必须遵守本条例的规定。
All savings institutions conducting savings business within the territory of China and individuals participating in savings must comply with the provisions of these Regulations.
本条例所称储蓄是指个人将属于其所有的人民币或者外币存入储蓄机构，储蓄机构开具存折或者存单作为凭证，个人凭存折或者存单可以支取存款本金和利息，储蓄机构依照规定支付存款本金和利息的活动。
For the purposes of these Regulations, 'savings' means the activity in which an individual deposits Renminbi or foreign currency owned by him/her into a savings institution, the savings institution issues a passbook or certificate of deposit as evidence, the individual may withdraw the principal and interest of the deposit by presenting the passbook or certificate of deposit, and the savings institution pays the principal and interest of the deposit in accordance with regulations.
任何单位和个人不得将公款以个人名义转为储蓄存款。
No unit or individual may convert public funds into savings deposits in the name of an individual.
本条例所称储蓄机构是指经中国人民银行或其分支机构批准，各银行、信用合作社办理储蓄业务的机构，以及邮政企业依法办理储蓄业务的机构。
For the purposes of these Regulations, 'savings institution' means an institution approved by the People's Bank of China or its branches to conduct savings business, including banks, credit cooperatives, and postal enterprises that lawfully conduct savings business.
国家保护个人合法储蓄存款的所有权及其他合法权益，鼓励个人参加储蓄。
The State protects the ownership and other legitimate rights and interests of individuals' lawful savings deposits and encourages individuals to participate in savings.
储蓄机构办理储蓄业务，必须遵循“存款自愿，取款自由，存款有息，为储户保密”的原则。
Savings institutions conducting savings business must follow the principle of 'voluntary deposit, free withdrawal, interest on deposits, and confidentiality for depositors'.
中国人民银行负责全国储蓄管理工作。
The People's Bank of China is responsible for the administration of savings nationwide.
中国人民银行及其分支机构负责储蓄机构和储蓄业务的审批，协调、仲裁有关储蓄机构之间在储蓄业务方面的争议，监督、稽核储蓄机构的业务工作，纠正和处罚违反国家储蓄法律、法规和政策的行为。
The People's Bank of China and its branches are responsible for approving savings institutions and savings business, coordinating and arbitrating disputes among savings institutions regarding savings business, supervising and auditing the business operations of savings institutions, and correcting and punishing acts that violate national savings laws, regulations, and policies.
中国人民银行经国务院批准，可以采取适当措施稳定储蓄，保护储户利益。
The People's Bank of China may, with the approval of the State Council, take appropriate measures to stabilize savings and protect the interests of depositors.
除储蓄机构外，任何单位和个人不得办理储蓄业务。
Except for savings institutions, no unit or individual may conduct savings business.
储蓄机构
Savings Institutions
储蓄机构的设置，应当遵循统一规划，方便群众，注重实效，确保安全的原则。
The establishment of savings institutions shall follow the principles of unified planning, convenience for the public, emphasis on practical results, and ensuring safety.
储蓄机构的设置，应当按照国家有关规定报中国人民银行或其分支机构批准，并申领《经营金融业务许可证》，但国家法律、行政法规另有规定的除外。
The establishment of a savings institution shall be reported to the People's Bank of China or its branch for approval in accordance with relevant state regulations, and a 'License for Engaging in Financial Business' shall be obtained, unless otherwise provided by national laws or administrative regulations.
储蓄机构的设置必须具备下列条件：
The establishment of a savings institution must meet the following conditions:
(一)有机构名称、组织机构和营业场所；
(1) Having an institutional name, organizational structure, and business premises;
(二)熟悉储蓄业务的工作人员不少于四人；
(2) Having no fewer than four staff members familiar with savings business;
(三)有必要的安全防范设备。
(3) Having necessary safety and security equipment.
经当地中国人民银行分支机构批准，储蓄机构可以设立储蓄代办点。储蓄代办点的管理办法，由中国人民银行规定。
With the approval of the local branch of the People's Bank of China, a savings institution may establish savings agency points. The administrative measures for savings agency points shall be formulated by the People's Bank of China.
储蓄机构应当按照规定时间营业，不得擅自停业或者缩短营业时间。
Savings institutions shall conduct business during prescribed hours and shall not suspend business or shorten business hours without authorization.
储蓄机构应当保证储蓄存款本金和利息的支付，不得违反规定拒绝支付储蓄存款本金和利息。
Savings institutions shall ensure the payment of principal and interest on savings deposits and shall not refuse to pay principal and interest on savings deposits in violation of regulations.
储蓄机构不得使用不正当手段吸收储蓄存款。
Savings institutions shall not use improper means to absorb savings deposits.
储蓄业务
Savings Business
储蓄机构可以办理下列人民币储蓄业务：
Savings institutions may handle the following RMB savings businesses:
(一)活期储蓄存款；
(1) Demand savings deposits;
(二)整存整取定期储蓄存款；
(2) Lump-sum deposit and withdrawal time savings deposits;
(三)零存整取定期储蓄存款；
(3) Small savings for lump-sum withdrawal time savings deposits;
(四)存本取息定期储蓄存款；
(4) Principal-preserved interest-withdrawal time savings deposits;
(五)整存零取定期储蓄存款；
(5) Lump-sum deposit and partial withdrawal time savings deposits;
(六)定活两便储蓄存款；
(6) Demand/time dual-purpose savings deposits;
(七)华侨(人民币)整存整取定期储蓄存款；
(7) Overseas Chinese (RMB) lump-sum deposit and withdrawal time savings deposits;
(八)经中国人民银行批准开办的其他种类的储蓄存款。
(8) Other types of savings deposits approved by the People's Bank of China.
经外汇管理部门批准，储蓄机构可以办理下列外币储蓄业务：
With the approval of the foreign exchange administration department, savings institutions may handle the following foreign currency savings businesses:
(一)活期储蓄存款；
(1) Demand savings deposits;
(二)整存整取定期储蓄存款；
(2) Lump-sum deposit and withdrawal time savings deposits;
(三)经中国人民银行批准开办的其他种类的外币储蓄存款。
(3) Other types of foreign currency savings deposits approved by the People's Bank of China.
办理外币储蓄业务，存款本金和利息应当用外币支付。
When handling foreign currency savings business, the deposit principal and interest shall be paid in foreign currency.
储蓄机构办理定期储蓄存款时，根据储户的意愿，可以同时为储户办理定期储蓄存款到期自动转存业务。
When handling time savings deposits, savings institutions may, at the depositor's request, also handle automatic rollover of time savings deposits upon maturity.
根据国家住房改革的有关政策和实际需要，经当地中国人民银行分支机构批准，储蓄机构可以办理个人住房储蓄业务。
In accordance with relevant national housing reform policies and actual needs, and with the approval of the local branch of the People's Bank of China, savings institutions may handle personal housing savings business.
经中国人民银行或其分支机构批准，储蓄机构可以办理下列金融业务：
With the approval of the People's Bank of China or its branches, savings institutions may handle the following financial businesses:
(一)发售和兑付以居民个人为发行对象的国库券、金融债券、企业债券等有价证券；
(1) Issuance and redemption of treasury bonds, financial bonds, corporate bonds, and other marketable securities targeted at individual residents;
(二)个人定期储蓄存款存单小额抵押贷款业务；
(2) Small-amount collateral loan business against personal time savings deposit certificates;
(三)其他金融业务。
(3) Other financial businesses.
储蓄机构可以办理代发工资和代收房租、水电费等服务性业务。
Savings institutions may handle service businesses such as salary payment on behalf of employers and collection of rent, water, and electricity fees.
储蓄存款利率和计息
Interest Rates and Interest Calculation on Savings Deposits
储蓄存款利率由中国人民银行拟订，经国务院批准后公布，或者由国务院授权中国人民银行制定、公布。
Interest rates on savings deposits shall be proposed by the People's Bank of China, and published after approval by the State Council, or formulated and published by the People's Bank of China as authorized by the State Council.
储蓄机构必须挂牌公告储蓄存款利率，不得擅自变动。
Savings institutions must publicly post the interest rates on savings deposits and shall not change them without authorization.
未到期的定期储蓄存款，全部提前支取的，按支取日挂牌公告的活期储蓄存款利率计付利息；部分提前支取的，提前支取的部分按支取日挂牌公告的活期储蓄存款利率计付利息，其余部分到期时按存单开户日挂牌公告的定期储蓄存款利率计付利息。
For unmatured time savings deposits, if fully withdrawn before maturity, interest shall be paid at the demand savings deposit rate publicly posted on the withdrawal date; if partially withdrawn before maturity, interest on the withdrawn portion shall be paid at the demand savings deposit rate publicly posted on the withdrawal date, and interest on the remaining portion shall be paid at the time savings deposit rate publicly posted on the deposit certificate's opening date upon maturity.
逾期支取的定期储蓄存款，其超过原定存期的部分，除约定自动转存的外，按支取日挂牌公告的活期储蓄存款利率计付利息。
For a fixed-term savings deposit withdrawn after maturity, the portion exceeding the original deposit term shall be paid interest at the current demand savings deposit interest rate announced on the withdrawal date, unless an automatic renewal has been agreed upon.
定期储蓄存款在存期内遇有利率调整，按存单开户日挂牌公告的相应的定期储蓄存款利率计付利息。
If the interest rate is adjusted during the term of a fixed-term savings deposit, interest shall be paid at the corresponding fixed-term savings deposit interest rate announced on the deposit certificate issuance date.
活期储蓄存款在存入期间遇有利率调整，按结息日挂牌公告的活期储蓄存款利率计付利息。全部支取活期储蓄存款，按清户日挂牌公告的活期储蓄存款利率计付利息。
If the interest rate is adjusted during the deposit period of a demand savings deposit, interest shall be paid at the demand savings deposit interest rate announced on the interest settlement date. For full withdrawal of a demand savings deposit, interest shall be paid at the demand savings deposit interest rate announced on the account closure date.
储户认为储蓄存款利息支付有错误时，有权向经办的储蓄机构申请复核；经办的储蓄机构应当及时受理、复核。
If a depositor believes there is an error in the interest payment on their savings deposit, they have the right to apply for a review to the savings institution handling the deposit; the savings institution shall promptly accept and conduct the review.
提前支取、挂失、查询和过户
Early Withdrawal, Loss Reporting, Inquiry, and Transfer
未到期的定期储蓄存款，储户提前支取的，必须持存单和存款人的身份证明办理；代储户支取的，代支取人还必须持其身份证明。
For an unmatured fixed-term savings deposit, if the depositor withdraws it early, they must present the deposit certificate and the depositor's identity document; if a third party withdraws on behalf of the depositor, the third party must also present their identity document.
存单、存折分为记名式和不记名式。记名式的存单、存折可以挂失，不记名式的存单、存折不能挂失。
Deposit certificates and passbooks are divided into registered and unregistered types. Registered deposit certificates and passbooks can be reported lost, while unregistered ones cannot.
储户遗失存单、存折或者预留印鉴的印章的，必须立即持本人身份证明，并提供储户的姓名、开户时间、储蓄种类、金额、账号及住址等有关情况，向其开户的储蓄机构书面申请挂失。在特殊情况下，储户可以用口头或者函电形式申请挂失，但必须在5天内补办书面申请挂失手续。
If a depositor loses their deposit certificate, passbook, or reserved seal, they must immediately present their identity document and provide relevant information such as the depositor's name, account opening time, type of savings, amount, account number, and address, and apply for loss reporting in writing to the savings institution where the account is held. In special circumstances, the depositor may apply for loss reporting orally or by letter or telegram, but must complete the written loss reporting procedures within five days.
储蓄机构受理挂失后，必须立即停止支付该储蓄存款；受理挂失前该储蓄存款已被他人支取的，储蓄机构不负赔偿责任。
After accepting a loss report, the savings institution must immediately stop payment of the savings deposit; if the savings deposit has already been withdrawn by another person before the loss report is accepted, the savings institution shall not be liable for compensation.
储蓄机构及其工作人员对储户的储蓄情况负有保密责任。
Savings institutions and their staff have a duty of confidentiality regarding depositors' savings information.
储蓄机构不代任何单位和个人查询、冻结或者划拨储蓄存款，国家法律、行政法规另有规定的除外。
Savings institutions shall not inquire into, freeze, or transfer savings deposits on behalf of any entity or individual, except as otherwise provided by national laws and administrative regulations.
储蓄存款的所有权发生争议，涉及办理过户的，储蓄机构依据人民法院发生法律效力的判决书、裁定书或者调解书办理过户手续。
If a dispute arises over the ownership of a savings deposit and involves a transfer, the savings institution shall handle the transfer procedures based on a legally effective judgment, ruling, or mediation document from the People's Court.
法律责任
Legal Liability
违反本条例规定，有下列行为之一的单位和个人，由中国人民银行或其分支机构责令其纠正，并可以根据情节轻重处以罚款、停业整顿、吊销《经营金融业务许可证》；情节严重，构成犯罪的，依法追究刑事责任：
Any entity or individual that commits any of the following acts in violation of these Regulations shall be ordered by the People's Bank of China or its branches to correct the act, and may be fined, ordered to suspend business for rectification, or have its Financial Business License revoked depending on the severity of the circumstances; if the circumstances are serious and constitute a crime, criminal liability shall be pursued according to law:
(一)擅自开办储蓄业务的；
(1) Unauthorized establishment of savings business;
(二)擅自设置储蓄机构的；
(2) Unauthorized establishment of savings institutions;
(三)储蓄机构擅自开办新的储蓄种类的；
(3) Savings institutions unauthorized to open new types of savings;
(四)储蓄机构擅自办理本条例规定以外的其他金融业务的；
(4) Savings institutions unauthorized to handle other financial businesses beyond those specified in these Regulations;
(五)擅自停业或者缩短营业时间的；
(5) Unauthorized suspension of business or shortening of business hours;
(六)储蓄机构采取不正当手段吸收储蓄存款的；
(6) Savings institutions using improper means to absorb savings deposits;
(七)违反国家利率规定，擅自变动储蓄存款利率的；
(7) Violating national interest rate regulations by unauthorized changes to savings deposit interest rates;
(八)泄露储户储蓄情况或者未经法定程序代为查询、冻结、划拨储蓄存款的；
(8) Disclosing depositors' savings information or inquiring into, freezing, or transferring savings deposits without legal procedures;
(九)其他违反国家储蓄法律、法规和政策的。
(9) Other acts violating national savings laws, regulations, and policies.
违反本条例第三条第二款规定的，依照国家有关规定予以处罚。
Any violation of Article 3, Paragraph 2 of these Regulations shall be punished in accordance with relevant national provisions.
对处罚决定不服的，当事人可以依照《中华人民共和国行政复议法》的规定申请复议。对复议决定不服的，当事人可以依照《中华人民共和国行政诉讼法》的规定向人民法院提起诉讼。
If a party disagrees with a penalty decision, they may apply for reconsideration in accordance with the Administrative Reconsideration Law of the People's Republic of China. If the party disagrees with the reconsideration decision, they may file a lawsuit with the People's Court in accordance with the Administrative Procedure Law of the People's Republic of China.
复议申请人逾期不起诉又不履行复议决定的，依照《中华人民共和国行政复议法》的规定执行。
If a person applying for reconsideration neither files a lawsuit nor performs the reconsideration decision within the time limit, the matter shall be handled in accordance with the provisions of the Administrative Reconsideration Law of the People's Republic of China.
储蓄机构违反国家有关规定，侵犯储户合法权益，造成损失的，应当依法承担赔偿责任。
If a savings institution violates relevant state regulations and infringes upon the lawful rights and interests of depositors, causing losses, it shall bear compensation liability in accordance with the law.
附则
Supplementary Provisions
本条例施行前的定期储蓄存款，在原定存期内，依照本条例施行前国家有关规定办理计息事宜。
For fixed-term savings deposits made before the implementation of these Regulations, interest calculation matters shall be handled in accordance with the relevant state regulations in effect before the implementation of these Regulations, within the originally agreed deposit term.
本条例由中国人民银行负责解释，实施细则由中国人民银行制定。
These Regulations shall be interpreted by the People's Bank of China, and the implementing rules shall be formulated by the People's Bank of China.
本条例自1993年3月1日起施行。1980年5月28日中国人民银行发布的《中国人民银行储蓄存款章程》同时废止。
These Regulations shall come into force as of March 1, 1993. The 'Rules on Savings Deposits of the People's Bank of China' issued by the People's Bank of China on May 28, 1980 shall be abolished simultaneously.