4. 中国人民银行关于调整股份制商业银行新设分行审批制度有关问题的通知 (2002.8.13)

Notice of the People's Bank of China on Issues concerning the Adjustment to Examination and Approval Systems regarding the Establishment of Branchesof Joint Stock Commercial Banks中国人民银行关于调整股份制商业银行新设分行审批制度有关问题的通知Prom ulgating Institution: The People's Bank of ChinaDocum ent Num ber: Yin Fa [2002] No. 244Prom ulgating Date: 08/13/2002Effective Date: 08/13/2002Validity Status: RepealedRevision History: Nullified by Announcem ent of China Banking RegulatoryCommission on Form ulating, Am endm ent, Annulm entand Non-application of Certain Rules and RegulatoryDocum ents prom ulgated on July 3, 2007.颁布机关: 中国人民银行文号: 银发[2002]244号颁布时间: 08/13/2002实施时间: 08/13/2002效力状态: 失效修订记录: 根据2007年7月3日发布的《中国银行业监督管理委员会关于制定、修改、废止、不适用部分规章和规范性文件的公告》，此文件被宣布废止。

Text正文To branches and business m anagem ent departm ents of the People's Bank of China,In order to im prove the standard com pliance and transparency of m arket entry supervision and prom ote the sound developm ent of joint stock comm ercial banks, the head office decided to cancel the annual planning m anagem ent wi th regard to the centralized exam ination and approval of establishm ent of branches of joint stock comm ercial banks, and exercise instant exam ination and approval according to requirem ents of prudential supervision. The issues concerned are hereby notified as follows:中国人民银行各分行、营业管理部:为提高市场准入监管的规范性和透明度，支持股份制商业银行稳健发展，总行决定取消对股份制商业银行新设分行集中审批的年度规划管理方式，改为主要依据审慎监管要求，按标准即时审批。

现将有关事项通知如下:1. Prudential supervision standard relied on by the People's Bank of China:(1) Rate of capital sufficiency (calculated after the withdrawal of bad debt provision according to the 5-category classification). Rates of capital sufficiency of joint stock comm ercial banks applying for the establishm ent of branches shall be 8% generally, and banks with rates of capital sufficiency of less than 4% shall be restri cted from establishing new branches; m eanwhile, applying banks shall have prescribed operating capital.(2) Assets quality. Bad loan ratios of applying banks shall be less than 15% generally with good quality of other assets; with regard to banks whose bad loan ratios are higher than 15%, while the balance and ratios of bad loans are on the decrease, other factors shall also be taken into consideration.(3) Internal control and m anagem ent ability. The inspection em phasis shall be laid on whether the corporate governance is sound, risk m anagem ent and internal control are effective, and business operation is legal and provision-com pliant. The inspection shall be m ainly based on supervision reports and relevant risk rating results of regulatory departm ents of the People's Bank of China.(4) Assets growth rate. Joint stock comm ercial banks whose assets grow too fast shall be m oderately restricted from establishing new branches.The head office shall weigh the aforesaid elem ents differently and m ake general assessm ent, and shall determ ine the num ber of new branches on the basis of the general assessm ent. No m ore than three branches of applying banks shall be allowed each year, and four branches are allowed in the case of branch establishm ent in western areas; the specific num ber of new branches shall be subject to the com bination of aforesaid standard and supervision actualities.一、人民银行依据的审慎监管标准:（一）资本充足率（按五级分类提取呆账准备后计算）。

申请设立分行的股份制商业银行（以下简称申请银行）的资本充足率一般应达到8%，其中，对资本充足率低于4%的银行，应严格限制其设立新的分行;同时，申请银行应具有规定的营运资金拨付能力。

（二）资产质量。

申请银行的不良贷款率一般应低于15%，并且其他资产质量良好;对不良贷款率高于15%，但不良贷款的余额和比率逐步下降的银行，可结合其他因素适当予以考虑。

（三）内控与管理水平。

重点考察公司治理是否良好、风险管理和内部控制是否健全有效、业务经营是否依法合规等。

考察依据主要以人民银行监管部门的监管报告和有关风险评级结果为准。

（四）资产扩张速度。

对于资产增长过快的股份制商业银行，将适当限制其新设分行的数量。

总行对上述要素分别给予不同权重，得出综合评价，以综合评价作为申请银行分行准入数量的基本依据。

各申请银行每年度分行准入数量一般控制在3家以内，对在西部设立分行的可适当放宽到4家;新设分行的具体数量按上述标准并结合监管情况确定。

2. Where applying banks fall under any of the following circum stances, the People's Bank of China m ay suspend the exam ination and approval of new branches:(1) business operation in gross violation of laws and regulations;(2) occurrence of events that m ay cause m ajor risks to banks; or(3) serious flaws in the risk m anagem ent and internal control.二、申请银行出现下列情况之一，人民银行可暂停其新设分行的审批:（一）发生重大违法、违规经营行为的;（二）发生可能导致银行重大风险损失事件的;（三）风险管理和内部控制出现严重缺陷的。

3. The new exam ination and approval system shall com e into effect as of Septem ber 1, 2002. Any unaccom plished plans shall rem ain in effect; where plans are accom plished, the num ber of new branches in a year shall be determ ined according to the new assessm ent m ethod by ex cluding cross-year factors.The exam ination and approval procedures concerning the establishm ent of branches of comm ercial banks shall rem ain intact. In the event that joint stock comm ercial banks that have accom plished plans apply for the establishm ent of new branches, branches and business m anagem ent departm ents of the People's Bank of China shall m ake requests for instructions to the head offi ce thereof, and form ally accept such applications upon replies of the head offi ce thereof.Upon the receipt of this Notice, Arti cle 1, concerning the verification of developm ent plans of joint stock com m ercial banks, and Arti cle 3, concerning the establishm ent of branches in com pliance with institutional developm ent plans as approved by the People's Bank of China, of the Notice of the People's Bank of China on Further Regulating the Access Managem ent for Branches of Joint Stock Comm ercial Banks (Yin Fa [2001] No. 173) shall no longer apply.三、调整后的审批制度从2002年9月1日起施行。