作者：金杜律师事务所 陈运 汪镕
2014年9月11日，中国银行业监督管理委员会颁布了《外资银行行政许可事项实施办法》（“新办法”），取代2006年的《外资金融机构行政许可事项实施办法》（“旧办法”）。
On September 11, 2013, the China Banking Regulatory Commission (the "CBRC") promulgated the Implementation Measures on Administrative Licensing Items for Foreign Funded Banks (the "New Measures"), substituting the Implementation Measures on Administrative Licensing Items for Foreign Funded Financial Institutions (the "Old Measures") promulgated in 2006.
对于旧办法中与《外资银行管理条例》及《外资银行管理条例实施细则》不一致的规定，新办法进行了调整，并删除了从事社会业务的外资财务公司（这一机构类型已经取消）的内容。新办法还加强了与《银行业金融机构董事（理事）和高级管理人员任职资格管理办法》等规范性文件的衔接与统一。
Comparing to the Old Measures, the New Measures have adjusted relevant provisions in compliance with the Administrative Regulations on Foreign Funded Banks and the Implementation Rules of the Administrative Regulations on Foreign Funded Banks. Since the category of foreign invested finance companies providing services to the general public is cancelled, the New Measures removed relevant clauses thereon. In addition, the New Measures have strengthened its coordination with the Administrative Measures for the Qualifications of Directors and Senior Management Personnel of Financial Institutions in the Banking Sector and the like.
新办法的主要特点在于：
The key features of the New Measures are:
1、删除已经取消的行政许可事项。新办法根据国务院历次关于取消和调整行政审批项目的决定，删除了以下已取消的审批事项：
Administrative licensing items which have already been cancelled are removed. In accordance with the past decisions by the State Council on the cancellation and adjustment of items requiring administrative approvals, the New Measures removed the following administrative licensing items which have already been cancelled:
外资银行开办电子银行业务；
provision of e-banking services by foreign funded banks;开办借记卡业务；
provision of debit card services;营业性机构分支机构变更营运资金；
change of operating funds by branches of business operating institutions;变更营业地址；
change of business address;设立自助银行；
establishment of self-servicing banks;外资银行及其分支机构筹建延期和开业延期、临时停业、停业后复业；
extension of the preparatory phase, extension of the opening phase, temporary suspension of business, and re-opening after suspension of business of foreign funded banks and their branches;由总行或者联行转入信贷资产；及
receipt of credit assets from the parent bank or affiliates; and外国银行分行动用生息资产。
use of interest bearing assets by branches of foreign banks.
2、精简行政许可程序。如，新办法缩减了修改章程需申请核准的范围，章程修改仅涉及名称、住所、股权、注册资本或者业务范围变更且变更事项已经银监会批准的，银行仅需在变更事项经批准后6个月内自行修改章程，并将修改后的章程报送银监会及所在地银监局，无需申请修改章程的许可。
Procedures for administrative licensing are simplified. For example, the New Measures have narrowed down the scope of approval requirements for the amendment of articles of associations: no approval is required for the amendment of articles of associations if such amendment only relates to the change of name, domicile, equity interests, registered capital or business scope, and such changes have already been approved by CBRC. Instead, the bank may amend its articles of association on its own within 6 months after such changes are approved by CBRC and is only required to record the amended articles of association with CBRC and local CBRC branches.
3.完善新办法的覆盖面。新办法根据《外资银行管理条例》及《外资银行管理条例实施细则》的相关规定，将外国银行分行改制为外资法人银行、外资法人银行开办对中国境内公民人民币业务等行政许可事项补充纳入。
The coverage of the New Measures is expanded. In accordance with the Administrative Regulations on Foreign Funded Banks and the Implementation Rules of the Administrative Regulations on Foreign Funded Banks, the New Measures have incorporated administrative licensing items such as local incorporation of a foreign funded bank with legal person status from the existing branches of a foreign bank and provision of RMB services for Chinese citizens by foreign funded bank with legal person status.
4.加强审慎监管。如，新办法在董事及高管人员任职资格管理方面，细化了不得担任外资银行董事、高管人员的情形，并对代为履职人员的资质和代为履职的时限（最长6个月）做出规定，防范外资银行在董事、高管人员更替过程中可能产生的经营风险。
Prudential regulations are strengthened. In respect of the administration of qualifications of directors and senior management personnel, the New Measures have detailed the negative requirements which prevent a candidate from taking the position as the director and senior management personnel of a foreign funded bank. In addition, when temporary delegation is involved, the qualification of the delegated and the maximum time limit (6 months) for delegation are specified in the New Measures so as to protect the foreign funded bank form possible business risks in the course of the substitution of directors and senior management personnel.
5.统一市场准入标准。对于以下外资银行行政许可事项，新规定在条件、程序和时限方面最大限度与中资商业银行保持一致：
Standards for market access are unified. The conditions, procedures and timings of the following administrative licensing items for foreign funded banks are unified with those for domestic banks by the New Measures to the greatest extent:
依照《商业银行信用卡业务监督管理办法》、《银行业金融机构衍生产品交易业务管理暂行办法》等规定，将外资银行开办衍生产品交易、信用卡等业务的现行规定纳入新办法；
Current provisions of trading derivatives, providing credit card services by foreign funded banks are incorporated into the New Measures in accordance with the Measures for the Supervision and Administration of Credit Card Services of Commercial Banks and the Interim Measures for Administration of Derivative Trading by Financial Institutions in Banking Sector;将外资法人银行发行债务和资本补充工具的有关规定纳入新办法；
Relevant rules on the issuance of debt instruments and capital supplement instruments by foreign funded banks are incorporated into the New Measures;取消外资银行在所在城市一次只能申请设立1家支行的规定；及
The restriction that a foreign funded bank shall not apply for establishing more than 1 sub-branch in the same city at one time is removed; and取消外资银行支行营运资金的最低限额要求。
The minimum requirement for the operating funds of sub-branches of foreign funded banks is removed.
可以预见的是，新办法颁布实施后，外资银行的行政许可将更加规范化、便利化。
It is our observation that after the implementation and entry into force of the New Measures, the administrative licensing for foreign funded banks will be more standardized and facilitated.
本简讯并非法律意见或建议
DISCLAIMER: THIS CLIENT ALERT IS NOT A LEGAL ADVICE OR OPINION.
陈运：上海银行部合伙人。
联系邮箱：chenyun@cn.kwm.com
汪镕：上海银行部律师。
联系邮箱：wangrong1@cn.kwm.com
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