第五条  商业银行与客户的业务往来，应当遵循平等、自愿、公平和诚实信用的原则。

Article 5 Commercial banks follow the principles of equality, voluntariness, fair, faithfulness and credibility in their services to clients.

第六条  商业银行应当保障存款人的合法权益不受任何单位和个人的侵犯。

Article 6 Commercial banks should protect the legal rights and interests of their depositors against encroachment by any unit and individual.

第七条  商业银行开展信贷业务，应当严格审查借款人的资信，实行担保，保障按期收回贷款。

Article 7 In issuing loans, commercial banks should made reliable checks on the creditibility of the borrowers, and provide the loans on guarantee to ensure timely recovery of the loans.

商业银行依法向借款人收回到期贷款的本金和利息，受法律保护。

Commercial banks are protected by law in duly recovery of principal and interest of the loans they extended.

第八条  商业银行开展业务，应当遵守法律、行政法规的有关规定，不得损害国家利益、社会公共利益。

Article 8 Commercial banks should abide by relevant stipulations of laws and administrative regulations in their businesses and must not do any harm to the interests of the State and the society.

第九条  商业银行开展业务，应当遵守公平竞争的原则，不得从事不正当竞争。

Article 9 Commercial banks should follow the principle of fair competition in their business and should not be engaged in unfair competition.

第十条  商业银行依法接受中国人民银行的监督管理。

Article 10 Commercial banks accept the supervision and administration of the People's Bank of China in accordance with laws.

第二章  商业银行的设立和组织机构

Chapter II Establishment and Organization of Commercial Banks

第十一条  设立商业银行，应当经中国人民银行审查批准。

Article 11 The establishment of commercial banks should go through the process of examination and approval by the People's Bank of China.

未经中国人民银行批准，任何单位和个人不得从事吸收公众存款等商业银行业务，任何单位不得在名称中使用“银行”字样。

Without the approval of the People's Bank of China, no unit or individual is allowed to do the business of a commercial bank such as absorbing the public deposit or call itself a bank.

第十二条  设立商业银行，应当具备下列条件：

Article 12 The establishment of a commercial bank should have the following conditions:

（一）有符合本法和《中华人民共和国公司法》规定的章程；

(1) A set of articles of association which accord with this law and the "Company Law of the People's Republic of China";

（二）有符合本法规定的注册资本最低限额；

(2) The lowest amount of the registered capital as stipulated by this law;

（三）有具备任职专业知识和业务工作经验的董事长（行长）、总经理和其他高级管理人员；

(3) Chairman (president), general manager and other senior management personnel of the bank are available with professional knowledge and work experience;

（四）有健全的组织机构和管理制度；

(4) A complete organizational setup and management system;

（五）有符合要求的营业场所、安全防范措施和与业务有关的其他设施。

(5) A business site as required accompanied with suitable safety and other relevant facilities.

中国人民银行审查设立申请时，应当考虑经济发展的需要和银行业竞争的状况。

In approving the application for establishing a commercial bank, the People's Bank of China should take into consideration the need of economic development and the competition in banking industry.

第十三条  设立商业银行的注册资本最低限额为十亿元人民币。

Article 13 The minimum registered capital for setting up a commercial bank is RMB 1 billion yuan.

城市合作商业银行的注册资本最低限额为一亿元人民币，农村合作商业银行的注册资本最低限额为五千万元人民币。

The minimum registered capital for setting up an urban cooperative commercial bank is RMB 100 million yuan, and the minimum registered capital for setting up a rural cooperative commercial bank is RMB 50 million yuan.

注册资本应当是实缴资本。

The registered capital should be the actually paid capital.

中国人民银行根据经济发展可以调整注册资本最低限额，但不得少于前款规定的限额。

The People's Bank of China may readjust the amount of minimum registered capital in accordance with the economic development, but the amount must not be lower than that stipulated in the preceding clause.

第十四条  设立商业银行，申请人应当向中国人民银行提交下列文件、资料：

Article 14 In application for setting up a commercial bank, the following documents and data should be presented to the People's Bank of China:

（一）申请书，申请书应当载明拟设立的商业银行的名称、所在地、注册资本、业务范围等；

(1) An application completed with the name, site, amount of registered capital, and business scope of the commercial bank to be set up;

（二）可行性研究报告；

(2) A feasibility study report; and

（三）中国人民银行规定提交的其他文件、资料。

(3) Other documents and data as stipulated by the People's Bank of China.

第十五条  设立商业银行的申请经审查符合本法第十四条规定的，申请人应当填写正式申请表，并提交下列文件、资料：

Article 15 Should an application for setting up a commercial bank have been found in a accordance with the stipulations of Article 14 through examination, the applicant should fill out an application form and present the following documents and data:

（一）章程草案；

(1) Draft articles of association;

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