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Circular of the People's Bank of China on Regulating the Competition in the Banking Market
[Expired]
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中国人民银行关于规范银行业市场竞争行为的通知
[失效]
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【法宝引证码】
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Circular of the People's Bank of China on Regulating the Competition in the Banking Market
No. 354 (2002)
All the branches and the business managerial departments of the People's Bank of China, policy banks, wholly state-funded commercial banks, joint-stock commercial banks, post savings houses, the banking associations of China:
Recently, some banking institutions have been engaged in unfair competitions to enlarge the business scale and to increase the market shares randomly. Some lower the price randomly without taking account of the cost, open businesses by charging less than the costs. Some soften the requirements for business examination and credit extension to contend for business from the standpoint of short-term interests. Some disclose the information of other banking institutions, maliciously debase their competitors and make unfair propaganda in their marketing activities to mislead customers. Some institutions offer obstacles in the operational system of the unit against the transactions of other banks. And a few institutions deal in activities beyond their business scope, canvass savings with high interests and demand their interior employees to complete the deposit tasks. The above-mentioned acts have increased the banks' operational costs and risks and have impaired the normal financial order. Some acts violate Anti-unfair Competition Law of the People's Republic of China, Price Law of the People's Republic of China, Commercial Banking Law of the People's Republic of China etc., and have resulted in bad consequences.
In order to regulate the competitions among the banks, to maintain the normal financial order and to ensure sound development of banking, it is hereby to notify the pertinent matters as follows:
| | 中国人民银行关于规范银行业市场竞争行为的通知
（银发[2002]354号 二00二年十一月二十一日）
中国人民银行各分行、营业管理部，各政策性银行、国有独资商业银行、股份制商业银行，邮政储汇局，中国银行业协会：
近期，一些银行机构盲目追求扩张业务规模和增加市场份额，进行不规范、不正当的竞争。有的机构不计成本盲目压价，以低于成本收费开展业务；有的机构从短期利益出发，放宽业务审查条件，降低授信标准争揽业务；有的机构对外披露其他银行机构存在的问题，恶意贬低竞争对手，在业务营销中进行误导客户的不正当宣传；有的机构在本单位业务操作系统中为其他银行的交易设置障碍；还有少数机构超范围经营业务、违规高息揽储、向内部职工下达存款任务等。上述行为提高了银行业的经营成本，增加了银行的风险，扰乱了正常的金融秩序。有些行为还违反了《中华人民共和国反不正当竞争法》、《中华人民共和国价格法》、《中华人民共和国商业银行法》等有关法律，造成恶劣影响。
为规范银行业的竞争行为，维护正常的金融秩序，保证银行业健康发展，现就有关事项通知如下：
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1. All banking institutions shall operate in accordance with the laws and regulations, shall stop the illegal acts and other acts of unfair competition. They shall strictly abide by the statutory deposit interest rates, shall not increase their interests or do so in a disguised form. Except for the interests, they shall not pay any money under various names to the depositors, the acting personnel of the unit depositors and the associated persons or give presents to them. They shall abolish all kind of nominal merit systems and incentives of deposit. They shall not give indicators for deposit performance check to the non-deposit departments or give the divided indicators for deposit performance check to the individual employees and regard it as the basis of reward payment. They shall strictly abide by the statutory loan (including discount) interest rates and the criteria for operation fees, shall not grant loans in violation of the prescribed floating scope for the loan interest rates.
．．．．．． | | 一、各银行机构要合法合规经营，杜绝竞争中的违法违规和其他不正当竞争行为。要严格执行法定的存款利率，不得违反国家有关规定提高或变相提高利率，不得向储户、单位存款的经办人和关系人支付除利息以外任何名目的费用或馈赠物品；要坚决撤销各种对存款进行单项考核和奖励的办法，不得对非存款部门下达存款考核指标，不得把存款考核指标分解下达到职工个人，并以此作为对个人奖励的依据；要严格执行法定的贷款(含贴现)利率和业务收费标准，不得超出规定的贷款利率浮动范围发放贷款。
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