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| Order of the State Council | | 国务院令 |
| (No. 247) | | （第２４７号） |
| The Measures for Banning Illegal Financial Institutions and Illegal Financial Activities, as adopted at the fifth executive meeting of the State Council on June 30, 1998, are hereby issued. | | 《非法金融机构和非法金融业务活动取缔办法》已经１９９８年６月３０日国务院第５次常务会议通过，现予发布施行。 |
| Premier: Zhu Rongji | | 总理 朱镕基 |
| July 13, 1998 | | １９９８年７月１３日 |
| Measures for Banning Illegal Financial Institutions and Illegal Financial Activities | | 非法金融机构和非法金融业务活动取缔办法 |
| Chapter I General Provisions | | 第一章 总则 |
| Article 1 These Measures are developed for purposes of banning illegal financial institutions and illegal financial activities, maintaining the financial order, and protecting public interests. | | 第一条 为了取缔非法金融机构和非法金融业务活动，维护金融秩序，保护社会公众利益，制定本办法。 |
| Article 2 All illegal financial institutions and illegal financial activities must be banned. | | 第二条 任何非法金融机构和非法金融业务活动，必须予以取缔。 |
| Article 3 For the purpose of these Measures, the term “illegal financial institutions” means institutions, formed without the approval of the People's Bank of China (“PBC”), engaging or mainly engaging in financial activities such as taking deposits, granting loans, settling funds, discounting bills, lending funds, making trust investment, engaging in financial lease, providing financing guarantee, or trading foreign exchange. | | 第三条 本办法所称非法金融机构，是指未经中国人民银行批准，擅自设立从事或者主要从事吸收存款、发放贷款、办理结算、票据贴现、资金拆借、信托投资、金融租赁、融资担保、外汇买卖等金融业务活动的机构。 |
| Organizations preparing the formation of illegal financial institutions shall be regarded as illegal financial institutions. | | 非法金融机构的筹备组织，视为非法金融机构。 |
| Article 4 For the purpose of these Measures, the term “illegal financial activities” means the following activities conducted without the approval of the PBC: | | 第四条 本办法所称非法金融业务活动，是指未经中国人民银行批准，擅自从事的下列活动： |
| (1) Illegally taking public deposits or taking public deposits in any disguised form. | | （一）非法吸收公众存款或者变相吸收公众存款； |
| (2) Without obtaining approval in accordance with the law, illegally raising funds from unspecific investors in any name. | | （二）未经依法批准，以任何名义向社会不特定对象进行的非法集资； |
| (3) Illegally granting loans, settling funds, discounting bills, lending funds, making trust investment, engaging in financial lease, providing financing guarantee, or trading foreign exchange. | | （三）非法发放贷款、办理结算、票据贴现、资金拆借、信托投资、金融租赁、融资担保、外汇买卖； |
| (4) Other illegal financial activities as specified by the PBC. | | （四）中国人民银行认定的其他非法金融业务活动。 |
| The term “illegally taking public deposits” as mentioned in the preceding paragraph means activities of, without the approval of the PBC, taking funds from unspecific investors, issuing vouchers, and promising to repay the principal and interest within an agreed time limit; and the term “taking public deposits in any disguised form” means activities of, without the approval of the PBC, taking funds from unspecific investors not in the name of taking public deposits but promising to fulfill obligations with the same nature as those to be fulfilled in taking public deposits. | | 前款所称非法吸收公众存款，是指未经中国人民银行批准，向社会不特定对象吸收资金，出具凭证，承诺在一定期限内还本付息的活动；所称变相吸收公众存款，是指未经中国人民银行批准，不以吸收公众存款的名义，向社会不特定对象吸收资金，但承诺履行的义务与吸收公众存款性质相同的活动。 |
| Article 5 Without the approval of the PBC, no entity or individual may form financial institutions or engage in financial activities. | | 第五条 未经中国人民银行依法批准，任何单位和个人不得擅自设立金融机构或者擅自从事金融业务活动。 |
| Administrative departments for industry and commerce shall not grant registration to illegal financial institutions and illegal financial activities. | | 对非法金融机构和非法金融业务活动，工商行政管理机关不予办理登记。 |
| For illegal financial institutions and illegal financial activities, financial institutions shall not open accounts, provide settlement services, and grant loans. | | 对非法金融机构和非法金融业务活动，金融机构不予开立账户、办理结算和提供贷款。 |
| Article 6 Illegal financial institutions and illegal financial activities shall be banned by the PBC. | | 第六条 非法金融机构和非法金融业务活动由中国人民银行予以取缔。 |
| The people's governments at places where illegal financial institutions are formed or illegal financial activities occur shall be responsible for organizing, coordinating, and overseeing the banning thereof. | | 非法金融机构设立地或者非法金融业务活动发生地的地方人民政府，负责组织、协调、监督与取缔有关的工作。 |
| Article 7 No entity or individual may intervene, refuse or obstruct when the PBC bans illegal financial institutions and illegal financial activities in accordance with the law. | | 第七条 中国人民银行依法取缔非法金融机构和非法金融业务活动，任何单位和个人不得干涉，不得拒绝、阻挠。 |
| Article 8 The staff members of the PBC shall keep secrets in accordance with the law when performing duties of banning illegal financial institutions and illegal financial activities. | | 第八条 中国人民银行工作人员在履行取缔非法金融机构和非法金融业务活动的职责中，应当依法保守秘密。 |
| Chapter II Banning Procedure | | 第二章 取缔程序 |
| Article 9 Once it discovers any illegal financial institution or any activity of illegally taking public deposits, taking public deposits in any disguised form or illegally raising funds, the PBC shall immediately investigate and verify; upon its preliminary verification, the PBC shall timely request the public security authority to open a case for investigation in accordance with the law. | | 第九条 对非法金融机构、非法吸收公众存款或者变相吸收公众存款以及非法集资，中国人民银行一经发现，应当立即调查、核实；经初步认定后，应当及时提请公安机关依法立案侦查。 |
| ．．．．．． | | ．．．．．． |
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