第七十四条  商业银行有下列情形之一，由中国人民银行责令改正，有违法所得的，没收违法所得，并处以违法所得一倍以上五倍以下罚款，没有违法所得的，处以十万元以上五十万元以下罚款；

Article 74 The People's Bank of China shall order a commercial bank to correct one of the following cases, confiscate its illegal earnings if any and impose a fine which is anything between one to five times the illegal earnings or between RMB100, 000 yuan and 500, 000 yuan if no illegal earnings.

情节特别严重或者逾期不改正的，中国人民银行可以责令停业整顿或者吊销其经营许可证；构成犯罪的，依法追究刑事责任：

The People's Bank of China may order the bank to stop its business or revoke its business license if the case is especially serious and the bank refuses to correct within a set time; and criminal responsibilities will be affixed if the case is so serious to constitute a crime:

（一）未经批准发行金融债券或者到境外借款的；

(1) The bank issues financial bonds or borrows funds from overseas without approval;

（二）未经批准买卖政府债券或者买卖、代理买卖外汇的；

(2) The bank buys and sells government bonds or buys and sells and acts as an agent to buy and sell foreign exchanges without approval;

（三）在境内从事信托投资和股票业务或者投资于非自用不动产的；

(3) The bank is engaged in trust investment and stock business or invests in fixed assets of non-self use within the country;

（四）向境内非银行金融机构和企业投资的；

(4) The bank makes investment in non-banking financial institutions and enterprises;

（五）向关系人发放信用贷款或者发放担保贷款的条件优于其他借款人同类贷款的条件的；

(5) The bank issues credit loans or guaranteed loans with better condition than those to similar borrowers to people who have connections with the bank;

（六）提供虚假的或者隐瞒重要事实的财务会计报表的；

(6) The bank provides an accounting report that is fake or with important facts held back;

（七）拒绝中国人民银行稽核、检查监督的；

(7) The bank refuses the auditing, checking and supervising of the People's Bank of China, and

（八）出租、出借经营许可证的。

(8) The bank leases or lends out business license.

第七十五条  商业银行有本法第七十三条规定的情形之一或者有下列情形之一，由中国人民银行责令改正，有违法所得的，没收违法所得，并处以违法所得一倍以上三倍以下罚款，没有违法所得的，处以五万元以上三十万元以下罚款：

Article 75 The People's Bank of China shall order a commercial bank to correct one of the cases stated in Article 73 of this law or one of the following cases, and confiscates its illegal earnings if any and impose a fine which is one to three times the illegal earnings, or impose a fine between RMB 50, 000 yuan and 300, 000 yuan if no illegal earnings:

（一）未按照中国人民银行规定的比例交存存款准备金的；

(1) The bank does not pay the deposit reserve funds in accordance with the proportion set by the People's Bank of China;

（二）未遵守资本充足率、存贷比例、资产流动性比例、同一借款人贷款比例和中国人民银行有关资产负债比例管理的其他规定的；

(2) The bank does not operate with the set ratios in concern of capital, deposits and loans, fluid of assets, loans to the same borrower, and balance sheet as set by the People's Bank of China;

（三）未经批准设立分支机构的；

(3) The bank sets up a branch without approval;

（四）未经批准分立、合并的；

(4) The bank separates or merges without approval;

（五）同业拆借超过规定的期限或者利用拆入资金发放固定资产贷款的；

(5) The bank engages in inter-bank lending exceeding the set time limit or uses the borrowed interbank money to issue fixed assets loans; and

（六）违反规定提高或者降低利率以及采用其他不正当手段，吸收存款，发放贷款的。

(6) The bank raises or lowers interest rates in violation of stipulations or resorts to unjustified means to absorb deposits and issue loans.

第七十六条  商业银行有本法第七十三条至第七十五条规定的情形的，对直接负责的主管人员和其他直接责任人员，应当给予纪律处分；构成犯罪的，依法追究刑事责任。

Article 76 Disciplinary actions shall be taken against the leading and other personnel of a commercial bank who have direct responsibilities for the cases in the preceding three articles; criminal responsibilities shall be affixed if the case is so serious to constitute a crime.

第七十七条  有下列情形之一，由中国人民银行责令改正，有违法所得的，没收违法所得，可以处以违法所得一倍以上三倍以下罚款，没有违法所得的，可以处以五万元以上三十万元以下罚款：

Article 77 The People's Bank of China shall order the correction of one of the following cases, and confiscate illegal earnings and impose a fine of one to three times the illegal earnings, or between RMB 50, 000 yuan and 300, 000 yuan if no illegal earning:

（一）未经批准在名称中使用“银行”字样的；

(1) The word "bank" is used in a title without approval;

（二）未经批准购买商业银行股份总额百分之十以上的；

(2) Purchase more than 10% of the total volume of the shares of a commercial bank without approval; and

（三）将单位的资金以个人名义开立帐户存储的。

(3) Opening of a private account for the funds of a unit.

第七十八条  不按照规定向中国人民银行报送有关文件、资料或者违反本法第二十四条规定对变更事项不报批的，由中国人民银行责令改正，逾期不改正的，可以处以一万元以上十万元以下罚款。

Article 78 The People's Bank of China shall order a commercial bank to correct if it does not send relevant documents and data to the People's Bank of China in accordance with relevant stipulations or violates the stipulations of Article 24 of this law and does not report the changes for approval; if it refuses to correct within a set time, the People's Bank of China will impose a fine of RMB10, 000 yuan to 100, 000 yuan against the commercial bank.

第七十九条  未经中国人民银行批准，擅自设立商业银行，或者非法吸收公众存款、变相吸收公众存款的，依法追究刑事责任；并由中国人民银行予以取缔。

Article 79 Criminal responsibilities shall be affixed on those who set up a commercial bank on their own without the approval of the People's Bank of China or illegally absorb public deposits or absorb public deposits in a disguised way; and the above actions shall be banned by the People's Bank of China.

伪造、变造、转让商业银行经营许可证的，依法追究刑事责任。

Criminal responsibilities shall be affixed on those who fabricate, change and transfer the business license of a commercial bank.

第八十条  借款人采取欺诈手段骗取贷款，构成犯罪的，依法追究刑事责任。

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