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          May 31, 2010
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          Measures for the Regulatory Assessment of Corporate Governance of Banking and Insurance Institutions (2022 Revision) [Effective]
          銀行保險機構公司治理監管評估辦法(2022修訂) [現行有效]
          【法寶引證碼】
           
            
            
          Measures for the Regulatory Assessment of Corporate Governance of Banking and Insurance Institutions 

          銀行保險機構公司治理監管評估辦法

          (No. 19 [2022] of the China Banking and Insurance Regulatory Commission, November 28, 2022) (銀保監規〔2022〕19號 2022年11月28日)

          Chapter I General Provisions 

          第一章 總 則

          Article 1 For the purposes of promoting banking and insurance institutions in improving the effectiveness of corporate governance, and facilitating the long-term and robust development of the banking industry and the insurance industry, these Measures are developed in accordance with the Company Law of the People's Republic of China, the Law of the People's Republic of China on Commercial Banks, the Banking Supervision Law of the People's Republic of China, the Insurance Law of the People's Republic of China, and other applicable laws, regulations, and regulatory provisions.   第一條 為推動銀行保險機構提升公司治理有效性,促進銀行業和保險業長期穩健發展,根據《中華人民共和國公司法》《中華人民共和國商業銀行法》《中華人民共和國銀行業監督管理法》《中華人民共和國保險法》等法律法規及監管規定,制定本辦法。
          Article 2 For the purposes of these Measures, “regulatory assessment of corporate governance” means that the China Banking and Insurance Regulatory Commission (CBIRC) and its local offices judge, evaluate, and classify the corporate governance level and risk status of banking and insurance institutions in accordance with the law, and legally conduct categorized regulation according to assessment results.   第二條 本辦法所稱公司治理監管評估,是指中國銀保監會及其派出機構依法對銀行保險機構公司治理水平和風險狀況進行判斷、評價和分類,并根據評估結果依法實施分類監管。
          Article 3 These Measures shall apply to commercial banks, commercial insurance institutions, and other non-banking financial institutions (corporate institutions) legally formed within the territory of the People's Republic of China, including large state-owned commercial banks, joint-stock commercial banks, urban commercial banks, private banks, rural commercial banks, rural cooperative banks, foreign-funded banks, insurance group (holding) companies, property insurance companies, reinsurance companies, personal insurance companies, mutual insurance associations, captive insurance companies, financial asset management companies, financial leasing companies, finance companies of enterprise groups, auto finance companies, consumer finance companies, and currency brokerage companies.   第三條 本辦法適用于中華人民共和國境內依法設立的商業銀行、商業保險機構和其他非銀行金融機構(法人機構),包括:國有大型商業銀行、股份制商業銀行、城市商業銀行、民營銀行、農村商業銀行、農村合作銀行、外資銀行、保險集團(控股)公司、財產保險公司、再保險公司、人身保險公司、相互保險社、自保公司、金融資產管理公司、金融租賃公司、企業集團財務公司、汽車金融公司、消費金融公司及貨幣經紀公司。
          Article 4 The regulatory assessment of corporate governance of banking and insurance institutions shall follow the principles of compliance with laws and regulations, objectivity and fairness, uniform standards, and highlighting priorities.   第四條 銀行保險機構公司治理監管評估應當遵循依法合規、客觀公正、標準統一、突出重點的原則。
          Chapter II Assessment Contents and Methods 

          第二章 評估內容和方法

          Article 5 The regulatory assessment of corporate governance of banking and insurance institutions mainly includes leadership of the CPC, governance of shareholders, governance of affiliated transactions, governance of the board of directors, governance of the board of supervisors and senior management, internal control of risks, market constraints, governance of other stakeholders, and other aspects.   第五條 銀行保險機構公司治理監管評估內容主要包括:黨的領導、股東治理、關聯交易治理、董事會治理、監事會和高管層治理、風險內控、市場約束、利益相關者治理等方面。
          Article 6 The regulatory assessment of corporate governance shall include three steps, i.e. compliance evaluation, effectiveness evaluation, and downgrading due to major events.   第六條 公司治理監管評估包括合規性評價、有效性評價、重大事項調降評級三個步驟。
          (1) Compliance evaluation. The full score shall be 100 points, and whether the corporate governance of a banking or insurance institution complies with laws, regulations, and regulatory provisions shall be mainly examined. The regulator shall give scores upon the evaluation of the relevant indicators item by item. (一)合規性評價。滿分100分,主要考查銀行保險機構公司治理是否符合法律法規及監管規定,監管機構對相關指標逐項評價打分。
          (2) Effectiveness evaluation. It shall focus on examining the actual effects of the corporate governance mechanism of a banking or insurance institution, and pay more attention to the existing prominent problems and risks. The regulator shall deduct points in light of the effectiveness evaluation indicators on the basis of compliance evaluation score, and may add extra points in terms of the good practice of a banking or insurance institution improving the effectiveness of corporate governance. (二)有效性評價。重點考查銀行保險機構公司治理機制的實際效果,主要關注存在的突出問題和風險。監管機構在合規性評價得分基礎上,對照有效性評價指標進行扣分;對銀行保險機構改善公司治理有效性的優秀實踐,可予以加分。
          (3) Downgrading due to major events. If an institution has any major deficiencies or even failure in its corporate governance, the regulator shall downgrade the preceding two comprehensive scores and their corresponding assessment levels, and form the assessment result. (三)重大事項調降評級。當機構存在公司治理重大缺陷甚至失靈情況時,監管機構對前兩項綜合評分及其對應評估等級進行調降,形成評估結果。
          Where the problems existing in its compliance indicators or effectiveness indicators fail to be rectified on a continual basis, more points may be deducted as the case may be. If no rectification is made in the second year, points equivalent to two times the indicator score may be deducted; if no rectification is made in the third year, points equivalent to four times the indicator score may be deducted; and if no rectification is made in the fourth year, points equivalent to eight times the indicator score may be deducted, and so on. 合規性指標或有效性指標存在問題持續得不到整改的,可以視情況加大扣分力度。第二年未整改的,可按該指標分值兩倍扣分;第三年未整改的,可按該指標分值四倍扣分;第四年未整改的,可按該指標分值八倍扣分;以此類推。
          Article 7 The full score of the regulatory assessment of corporate governance shall be 100 points, and the assessment level shall be divided into five grades: Grade A for above 90 points, Grade B for above 80 points but below 90 points, Grade C for above 70 points but below 80 points, Grade D for above 60 points but below 70 points, and Grade E for below 60 points.   第七條 公司治理監管評估總分為100分,評估等級分為五級:90分以上為A級,90分以下至80分以上為B級,80分以下至70分以上為C級,70分以下至60分以上為D級,60分以下為E級。
          Article 8 An institution falling under any of the following circumstances may be directly rated as Grade E:   第八條 存在下列情形的,可以直接評定為E級:
          (1) It refuses to accept or obstructs the regulatory assessment of corporate governance. (一)拒絕或者阻礙公司治理監管評估;
          (2) It conceals any important fact of corporate governance or material risk in terms of asset quality and other aspects by such methods as providing false materials. (二)通過提供虛假材料等方式隱瞞公司治理重要事實、資產質量等方面的重大風險;
          (3) Any shareholder makes any fictitious or false capital contribution, circular capital injection, or withdraws capital contribution directly or in disguise, or conducts illegal affiliated transactions with a banking or insurance institution, which seriously affects the veracity of the capital adequacy ratio and solvency adequacy ratio of the banking or insurance institution. (三)股東虛假出資、出資不實、循環注資、抽逃出資或變相抽逃出資,或與銀行保險機構開展違規關聯交易,嚴重影響銀行保險機構資本充足率、償付能力充足率真實性;
          (4) Any shareholder evades regulatory examination by concealing the actual controller, concealing affiliation, having invisible shareholders, holding equity as an agent, entrusting voting rights, agreeing on concerted actions, or other acts, which controls or dominates the business management of the banking or insurance institution. (四)股東通過隱藏實際控制人、隱瞞關聯關系、隱形股東、股權代持、表決權委托、一致行動約定等行為規避監管審查,控制或操縱銀行保險機構經營管理;
          (5) The corporate governance mechanism fails, resulting in the failure to normally convene the (general) meeting of shareholders or the board of directors or to make decisions for a long time (one year or more). (五)公司治理機制失靈,股東(大)會、董事會長期(一年以上)無法正常召開或做出決策;
          (6) It has a redemption crisis or is seriously insolvent. (六)出現兌付危機、償付能力嚴重不足的情形;
          (7) Any other circumstance of corporate governance mechanism failure determined by the regulator. (七)監管機構認定的其他公司治理機制失靈的情形。
          Article 9 The CBIRC may, as required for the regulation of corporate governance, revise and improve the content, evaluation indicators, and scoring rules for the regulatory assessment of corporate governance of banking and insurance institutions, and inform banking and insurance institutions in a timely manner.   第九條 銀保監會可以根據公司治理監管工作需要,修訂完善銀行保險機構公司治理監管評估內容、評價指標及評分規則,并及時告知銀行保險機構。
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