KYB CHINA(2000年3月20日中华人民共和国国务院令第285号发布 自2000年4月1日起施行)
(Issued by Order No. 285 of the State Council of the People's Republic of China on March 20, 2000, effective as of April 1, 2000)
为了保证个人存款账户的真实性，维护存款人的合法权益，制定本规定。
These regulations are formulated to ensure the authenticity of personal deposit accounts and to protect the legitimate rights and interests of depositors.
中华人民共和国境内的金融机构和在金融机构开立个人存款账户的个人，应当遵守本规定。
Financial institutions within the territory of the People's Republic of China and individuals opening personal deposit accounts in financial institutions shall comply with these regulations.
本规定所称金融机构，是指在境内依法设立和经营个人存款业务的机构。
For the purposes of these regulations, 'financial institutions' refer to institutions established and operating personal deposit business within the territory in accordance with the law.
本规定所称个人存款账户，是指个人在金融机构开立的人民币、外币存款账户，包括活期存款账户、定期存款账户、定活两便存款账户、通知存款账户以及其他形式的个人存款账户。
For the purposes of these regulations, 'personal deposit accounts' refer to RMB and foreign currency deposit accounts opened by individuals in financial institutions, including demand deposit accounts, time deposit accounts, current-time dual-purpose deposit accounts, call deposit accounts, and other forms of personal deposit accounts.
本规定所称实名，是指符合法律、行政法规和国家有关规定的身份证件上使用的姓名。
For the purposes of these regulations, 'real name' refers to the name used on identification documents that comply with laws, administrative regulations, and relevant state provisions.
下列身份证件为实名证件：
The following identification documents are real-name documents:
(一)居住在境内的中国公民，为居民身份证或者临时居民身份证；
(1) For Chinese citizens residing within the territory, the resident identity card or temporary resident identity card;
(二)居住在境内的16周岁以下的中国公民，为户口簿；
(2) For Chinese citizens under the age of 16 residing within the territory, the household registration booklet;
(三)中国人民解放军军人，为军人身份证件；中国人民武装警察，为武装警察身份证件；
(3) For soldiers of the Chinese People's Liberation Army, the military identification document; for the Chinese People's Armed Police, the armed police identification document;
(四)香港、澳门居民，为港澳居民往来内地通行证；台湾居民，为台湾居民来往大陆通行证或者其他有效旅行证件；
(4) For residents of Hong Kong and Macau, the Home Return Permit for Hong Kong and Macau residents; for residents of Taiwan, the Mainland Travel Permit for Taiwan Residents or other valid travel documents;
(五)外国公民，为护照。
(5) For foreign citizens, the passport.
前款未作规定的，依照有关法律、行政法规和国家有关规定执行。
Matters not covered in the preceding paragraph shall be handled in accordance with relevant laws, administrative regulations, and state provisions.
个人在金融机构开立个人存款账户时，应当出示本人身份证件，使用实名。
When opening a personal deposit account in a financial institution, an individual shall present their own identification document and use their real name.
代理他人在金融机构开立个人存款账户的，代理人应当出示被代理人和代理人的身份证件。
When opening a personal deposit account on behalf of another person in a financial institution, the agent shall present the identification documents of both the principal and the agent.
在金融机构开立个人存款账户的，金融机构应当要求其出示本人身份证件，进行核对，并登记其身份证件上的姓名和号码。代理他人在金融机构开立个人存款账户的，金融机构应当要求其出示被代理人和代理人的身份证件，进行核对，并登记被代理人和代理人的身份证件上的姓名和号码。
When a personal deposit account is opened in a financial institution, the financial institution shall require the individual to present their own identification document, verify it, and record the name and number on the identification document. When a personal deposit account is opened on behalf of another person, the financial institution shall require the agent to present the identification documents of both the principal and the agent, verify them, and record the names and numbers on the identification documents of both the principal and the agent.
不出示本人身份证件或者不使用本人身份证件上的姓名的，金融机构不得为其开立个人存款账户。
If the individual does not present their own identification document or does not use the name on their own identification document, the financial institution shall not open a personal deposit account for them.
金融机构及其工作人员负有为个人存款账户的情况保守秘密的责任。
Financial institutions and their employees have the responsibility to maintain the confidentiality of personal deposit account information.
金融机构不得向任何单位或者个人提供有关个人存款账户的情况，并有权拒绝任何单位或者个人查询、冻结、扣划个人在金融机构的款项；但是，法律另有规定的除外。
Financial institutions shall not provide information on personal deposit accounts to any unit or individual, and have the right to refuse any unit or individual's request to inquire, freeze, or deduct funds from personal accounts, except as otherwise provided by law.
金融机构违反本规定第七条规定的，由中国人民银行给予警告，可以处1000元以上5000元以下的罚款；情节严重的，可以并处责令停业整顿，对直接负责的主管人员和其他直接责任人员依法给予纪律处分；构成犯罪的，依法追究刑事责任。
If a financial institution violates the provisions of Article 7 of these regulations, the People's Bank of China shall issue a warning and may impose a fine of not less than 1,000 yuan but not more than 5,000 yuan; if the circumstances are serious, it may also order a suspension of business for rectification, and impose disciplinary sanctions on the directly responsible supervisors and other directly responsible personnel according to law; if a crime is constituted, criminal liability shall be pursued according to law.
本规定施行前，已经在金融机构开立的个人存款账户，按照本规定施行前国家有关规定执行；本规定施行后，在原账户办理第一笔个人存款时，原账户没有使用实名的，应当依照本规定使用实名。
Personal deposit accounts already opened in financial institutions before the implementation of these regulations shall be handled in accordance with the relevant state provisions in effect before the implementation of these regulations; after the implementation of these regulations, when the first personal deposit transaction is conducted in an existing account, if the account did not use a real name, it shall use a real name in accordance with these regulations.
本规定由中国人民银行组织实施。
These regulations shall be organized and implemented by the People's Bank of China.
本规定自2000年4月1日起施行。
These regulations shall take effect as of April 1, 2000.