中英对照法律资源--同业拆借管理办法|无忧教育

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中英对照法律资源--同业拆借管理办法

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中英对照法律资源--同业拆借管理办法

作者：无忧教育文章来源：51education.net 点击数：更新时间：2008-5-18

ket before the PBC or its branch publicizes an official bulletin.
第十三条中国人民银行及其分支机构自发布金融机构退出同业拆借市场公告之日起两年之内不再受理该金融机构进入同业拆借市场的申请。 <WESTBANK> Article 13 The PBC or its branch shall not accept any application from the financial institution for entering the interbank borrowing market within two years as of the bulletin on its withdrawal from the interbank borrowing market.
第三章　交易和清算 <WESTBANK> Chapter III Trading and Settlement
第十四条同业拆借交易必须在全国统一的同业拆借网络中进行。 <WESTBANK> Article 14 The interbank borrowing trading must be performed inside the national unified interbank borrowing network.
政策性银行、企业集团财务公司、信托公司、金融资产管理公司、金融租赁公司、汽车金融公司、证券公司、保险公司、保险资产管理公司以法人为单位，通过全国银行间同业拆借中心的电子交易系统进行同业拆借交易。 <WESTBANK> A policy bank, corporate finance company, trust company, financial assets management company, financial leasing company, auto financing company, securities company, insurance company or insurance assets management company shall conduct the interbank borrowing in the name of a legal person through the Electronic Trading System of the National Interbank Funding Center.
通过中国人民银行分支机构拆借备案系统进行同业拆借交易的金融机构应按照中国人民银行当地分支机构的规定办理相关手续。 <WESTBANK> Those financial institutions that conduct interbank borrowing trading through the interbank borrowing filing systems of PBC branches shall go through relevant formalities in accordance with the provisions as prescribed by the local PBC branches.
第十五条同业拆借交易以询价方式进行，自主谈判、逐笔成交。 <WESTBANK> Article 15 The interbank borrowing trading shall be performed by means of inquiries, upon independent negotiations, and transaction by transaction.
第十六条同业拆借利率由交易双方自行商定。 <WESTBANK> Article 16 The interbank offered rate shall be negotiated and determined by both trading parties.
第十七条金融机构进行同业拆借交易，应逐笔订立交易合同。交易合同的内容应当具体明确，详细约定同业拆借双方的权利和义务。合同应包括以下内容： <WESTBANK> Article 17 Where financial institutions conduct interbank borrowing trading, they shall conclude transaction contracts one by one. A transaction contract shall be detailed and specific, and the rights and obligations of both parties in the interbank borrowing shall be stipulated in detail. A contract shall include the items as follows:
（一）同业拆借交易双方的名称、住所及法定代表人的姓名； <WESTBANK> (1) Names, domiciles of both parties in the interbank borrowing and names of legal representatives thereof;
（二）同业拆借成交日期； <WESTBANK> (2) The transaction date of interbank borrowing;
（三）同业拆借交易金额； <WESTBANK> (3) The transaction amount of interbank borrowing;
（四）同业拆借交易期限； <WESTBANK> (4) The term of the interbank borrowing trading;
（五）同业拆借利率、利率计算规则和利息支付规则； <WESTBANK> (5) The interbank offered rate, rules for calculation of such rate and rules for payment of interests;
（六）违约责任； <WESTBANK> (6) Liabilities for breach of contract; and
（七）中国人民银行要求载明的其他事项。 <WESTBANK> (7) Other items as required to be specified by the PBC.
第十八条交易合同可采用全国银行间同业拆借中心电子交易系统生成的成交单，或者采取合同书、信件和数据电文等书面形式。 <WESTBANK> Article 18 A transaction contract may be the transaction sheet as formed by the Electronic Trading System of the National Interbank Funding Center, or other written form as the contract, letter, and data message, etc..
第十九条同业拆借的资金清算涉及不同银行的，应直接或委托开户银行通过中国人民银行大额实时支付系统办理。 <WESTBANK> Article 19 In case different banks are involved in the capital settlement for interbank borrowing, it shall be handled directly by the financial institutions themselves or by authorizing their account opening banks through the PBC Large-amount Real-time Payment System.
同业拆借的资金清算可以在同一银行完成的，应以转账方式进行。任何同业拆借清算均不得使用现金支付。 <WESTBANK> Any capital settlement for interbank borrowing that can be implemented inside a same bank shall be conducted by way of capital transfer. No capital settlement for interbank borrowing may be performed by cash.
第四章　风险控制 <WESTBANK> Chapter IV Risk Control
第二十条金融机构应当将同业拆借风险管理纳入本机构风险管理的总体框架之中，并根据同业拆借业务的特点，建立健全同业拆借风险管理制度，设立专门的同业拆借风险管理机构，制定同业拆借风险管理内部操作规程和控制措施。 <WESTBANK> Article 20 The interbank borrowing risk management shall be integrated into overall risk management framework by a financial institution, and the systems for interbank borrowing risk management shall be established and perfected in light of the features of inter-bank borrowing, a specialized interbank borrowing risk management body shall be established, as well as the internal operating rules and control measures for interbank borrowing risk management.
第二十一条金融机构应当依法妥善保存其同业拆借交易的所有交易记录和与交易记录有关的文件、账目、原始凭证、报表、电话录音等资料。 <WESTBANK> Article 21 A financial institution shall appropriately keep all the transaction records on the interbank borrowing, and all the relevant documents, accounts, original vouchers, statements, telephone recording and other materials to the said transaction records as well.
第二十二条商业银行同业拆借的拆入资金用途应符合《中华人民共和国商业银行法》的有关规定。 <WESTBANK> Article 22 The use of the capital borrowed from interbank borrowing by a financial institution shall comply with relevant provisions in the Law of the People's Republic of China on Commercial Banks.
第二十三条同业拆借的期限在符合以下规定的前提下，由交易双方自行商定： <WESTBANK> Article 23 The interbank borrowing term shall be determined upon negotiations of both trading parties on the premise that the following provisions are observed:
（一）政策性银行、中资商业银行、中资商业银行授权的一级分支机构、外商独资银行、中外合资银行、外国银行分行、城市信用合作社、农村信用合作社县级联合社拆入资金的最长期限为1年； <WESTBANK> (1) The term of interbank borrowing for a policy bank, Chinese-invested commercial bank, a first-class branch of a Chinese-invested commercial bank, a Chinese-foreign joint-venture bank, a branch of a foreign bank, urban credit cooperative, or a county-level rural credit cooperative union shall not be more than one year;
（二）金融资产管理公司、金融租赁公司、汽车金融公司、保险公司拆入资金的最长期限为3个月； <WESTBANK> (2) The term of interbank borrowing for a financial assets management company, financial leasing company, auto financing company, or insurance company shall not be more than three months;
（三）企业集团财务公司、信托公司、证券公司、保险资产管理公司拆入资金的最长期限为7天； <WESTBANK> (3) The term of interbank borrowing for a corporate finance company, trust company, securities company or insurance assets management company shall not excess seven days; and
（四）金融机构拆出资金的最长期限不得超过对手方由中国人民银行规定的拆入资金最长期限。 <WESTBANK> (4) The term of interbank borrowing for a financial institution shall not be in excess of the term of interbank borrowing for the other party as prescribed by the PBC.
中国人民银行可以根据市场发展和管理的需要调整金融机构的拆借资金最长期限。 <WESTBANK> The PBC may alter the term of interbank borrowing for financial institutions according to market development and management requirements.
第二十四条同业拆借到期后不得展期。 <WESTBANK> Article 24 No interbank borrowing may be extended upon expiration.
第二十五条对金融机构同业拆借实行限额管理，拆借限额由中国人民银行及其分支机构按照以下原则核定： <WESTBANK> Article 25 The quota management will be performed for the interbank borrowing of financial institutions, and the interbank borrowing quota shall be verified by the PBC and its branches in accordance with the principles as follows:
（一）政策性银行的最高拆入限额和最高拆出限额均不超过该机构上年末待偿还金融债券余额的8%； <WESTBANK> (1) The maximum amount of interbank borrowing or interbank lending for a policy bank shall not be more than 8 percent of the balance of its financial bonds to be repaid at the end of the last year;
（二）中资商业银行、城市信用合作社、农村信用合作社县级联合社的最高拆入限额和最高拆出限额均不超过该机构各项存款余额的8%； <WESTBANK> (2) The maximum amount of interbank borrowing or interbank lending for a Chinese-invested commercial bank, urban credit cooperative or a rural credit cooperative union at county level shall not be more than 8 percent of the balance of all kinds of deposits in it;
（三）外商独资银行、中外合资银行的最高拆入限额和最高拆出限额均不超过该机构实收资本的2倍； <WESTBANK> (3) The maximum amount of interbank borrowing or interbank lending for a solely foreign-funded bank or Chinese-foreign joint-venture bank shall be no more than two times of its paid-in capital;
（四）外国银行分行的最高拆入限额和最高拆出限额均不超过该机构人民币营运资金的2倍； <WESTBANK> (4) The maximum amount of interbank borrowing or interbank lending for the branch of a foreign bank shall not exceed two times of its RMB operating amount;
（五）企业集团财务公司、金融资产管理公司、金融租赁公司、汽车金融公司、保险公司的最高拆入限额和最高拆出限额均不超过该机构实收资本的100%； <WESTBANK> (5) The maximum amount of interbank borrowing or interbank lending for a corporate finance company, financial assets management company, financial leasing company, auto financial company or insurance company shall be no more than 100 percent of its paid-in capital;
（六）信托公司、保险资产管理公司的最高拆入限额和最高拆出限额均不超过该机构净资产的20%； <WESTBANK> (6) The maximum amounts of interbank borrowing or interbank lending for a trust company or insurance assets management company shall not exceed 20 percent of its net assets;
（七）证券公司的最高拆入限额和最高拆出限额均不超过该机构净资本的80%； <WESTBANK> (7) The maximum amount of interbank borrowing or interbank lending for a securities company shall be no more than 80 percent of its net assets; and
（八）中资商业银行（不包括城市商业银行、农村商业银行和农村合作银行）授权的一级分支机构的最高拆入限额和最高拆出限额由该机构的总行授权确定，纳入总行法人统一考核。 <WESTBANK> (8) The maximum amount of interbank borrowing or interbank lending for a first-class branch as authorized by a Chinese-invested commercial bank (excluding urban commercial banks, rural commercial banks and rural cooperative banks) shall be decided upon authorization of the headquarters thereof, and shall be included into the corresponding amount of its headquarters for unified assessment.
中国人民银行可以根据市场发展和管理的需要调整金融机构的同业拆借资金限额。 <WESTBANK> The PBC may alter the interbank borrowing quotas of financial institutions according to market development and management requirem

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