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Order of China Banking Regulatory Commission
(No. 5, 2006)
The “Measures for the Administration of Electronic Banking”, which were adopted at the 40th chairman's meeting of China Banking Regulatory Commission on November 10, 2005, are hereby promulgated, and shall come into force on March 1, 2006.
Chairman Liu Mingkang
January 26, 2006
Measures for the Administration of Electronic Banking
| | 中国银行业监督管理委员会令
（2006年第5号）
《电子银行业务管理办法》已经2005年11月10日中国银行业监督管理委员会第40次主席会议通过。现予公布，自2006年3月1日起施行。
主席 刘明康
二00六年一月二十六日
电子银行业务管理办法
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Chapter I General Provisions
| | 第一章 总则
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Article 1 The present Measures are formulated in accordance with the “Law of the People's Republic of China on the Regulation of the Banking Industry”, the “Law of the People's Republic of China on Commercial Banks”, the “Regulation of the People's Republic of China for the Administration of Foreign-capital Financial Institutions”, as well as other laws and regulations for the purposes of strengthening the risk management of Electronic Banking, safeguarding the lawful rights and interests of customers and banks, and promoting the healthy and orderly development of Electronic Banking.
| | 第一条 为加强电子银行业务的风险管理，保障客户及银行的合法权益，促进电子银行业务的健康有序发展，根据《中华人民共和国银行业监督管理法》、《中华人民共和国商业银行法》和《中华人民共和国外资金融机构管理条例》等法律法规，制定本办法。
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Article 2 The term “Electronic Banking” as mentioned in the present Measures shall refer to the banking services provided to customers by commercial banks or other financial institutions in the banking sector by making use of communication channels open to the general public, the open public network, or the special networks built up by banks for certain self-service facilities or customers.
Electronic Banking includes the banking services provided with computer or Internet (hereinafter referred to as online banking), the banking services provided through audio equipment such as telephone or through the telecommunication network (hereinafter referred to as telephone banking), the banking services provided through the mobile phone or wireless network (hereinafter referred to as mobile banking), and other banking services provided with electronic service equipment and network, in which customers complete their financial transactions by self-service means.
| | 第二条 本办法所称电子银行业务，是指商业银行等银行业金融机构利用面向社会公众开放的通讯通道或开放型公众网络，以及银行为特定自助服务设施或客户建立的专用网络，向客户提供的银行服务。
电子银行业务包括利用计算机和互联网开展的银行业务（以下简称网上银行业务），利用电话等声讯设备和电信网络开展的银行业务（以下简称电话银行业务），利用移动电话和无线网络开展的银行业务（以下简称手机银行业务），以及其他利用电子服务设备和网络，由客户通过自助服务方式完成金融交易的银行业务。
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Article 3 Financial institutions in the banking sector and foreign-capital financial institutions established in accordance with the “Regulation of the People's Republic of China for the Administration of Foreign-capital Financial Institutions (hereinafter uniformly referred to as financial institutions) shall provide Electronic Banking services in accordance with the present Measures.
The financial asset management companies, trust and investment companies, finance companies, financial lease companies, which are established inside the territory of the People's Republic of China, and other financial institutions established upon approval of China Banking Regulatory Commission (hereinafter referred to as CBRC) shall, when initiating electronic finance business of the Electronic Banking nature, be governed by the relevant provisions in the present Measures for financial institutions to provide Electronic Banking services.
| | 第三条 银行业金融机构和依据《中华人民共和国外资金融机构管理条例》设立的外资金融机构（以下通称为金融机构），应当按照本办法的规定开展电子银行业务。
在中华人民共和国境内设立的金融资产管理公司、信托投资公司、财务公司、金融租赁公司以及经中国银行业监督管理委员会（以下简称中国银监会）批准设立的其他金融机构，开办具有电子银行性质的电子金融业务，适用本办法对金融机构开展电子银行业务的有关规定。
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Article 4 Upon approval of CBRC, a financial institution may initiate its Electronic Banking business inside the territory of the People's Republic of China, provide Electronic Banking services to enterprises, residents and other customers inside the territory of the People's Republic of China, or provide trans-boundary Electronic Banking services in accordance with the relevant provisions of the present Measures.
| | 第四条 经中国银监会批准，金融机构可以在中华人民共和国境内开办电子银行业务，向中华人民共和国境内企业、居民等客户提供电子银行服务，也可按照本办法的有关规定开展跨境电子银行服务。
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Article 5 A financial institution shall comply with the principles of rational planning, uniform administration and guaranteeing safe operation of the system when providing Electronic Banking services, and shall guarantee the healthy and orderly development of Electronic Banking.
| | 第五条 金融机构应当按照合理规划、统一管理、保障系统安全运行的原则，开展电子银行业务，保证电子银行业务的健康、有序发展。
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Article 6 A financial institution shall, according to the feature of Electronic Banking, establish and improve the risk management system and the internal control system for Electronic Banking, set up corresponding management departments, clarify the duties of Electronic Banking management, and effectively identify, evaluate, monitor and control Electronic Banking risks.
| | 第六条 金融机构应根据电子银行业务特性，建立健全电子银行业务风险管理体系和内部控制体系，设立相应的管理机构，明确电子银行业务管理的责任，有效地识别、评估、监测和控制电子银行业务风险。
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Article 7 CBRC shall take charge of supervising and administering Electronic Banking.
| | 第七条 中国银监会负责对电子银行业务实施监督管理。
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Chapter II Application and Modification
| | 第二章 申请与变更
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Article 8 A financial institution shall, when initiating Electronic Banking inside the territory of the People's Republic of China, file an application or make a report to CBRC in accordance with the relevant provisions of the present Measures.
| | 第八条 金融机构在中华人民共和国境内开办电子银行业务，应当依照本办法的有关规定，向中国银监会申请或报告。
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Article 9 A financial institution that intends to initiate Electronic Banking shall meet the following conditions:
| | 第九条 金融机构开办电子银行业务，应当具备下列条件：
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(1) It is in normal business operations, has established a sound risk management system and a sound internal control rules, and its main information management system and business handling system meet with no major breakdown within one year before it applies for initiating Electronic Banking;
| | （一）金融机构的经营活动正常，建立了较为完善的风险管理体系和内部控制制度，在申请开办电子银行业务的前一年内，金融机构的主要信息管理系统和业务处理系统没有发生过重大事故；
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(2) It has made the overall development strategy, development planning, and Electronic Banking safety strategy for Electronic Banking, and has established the organizational system and institutional system for risk management of Electronic Banking;
| | （二）制定了电子银行业务的总体发展战略、发展规划和电子银行安全策略，建立了电子银行业务风险管理的组织体系和制度体系；
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(3) It has, according to the development planning and safety strategy for Electronic Banking, built up the basic facilities and system for operation of Electronic Banking, and has made necessary safety check and business testing on relevant facilities and systems;
| | （三）按照电子银行业务发展规划和安全策略，建立了电子银行业务运营的基础设施和系统，并对相关设施和系统进行了必要的安全检测和业务测试；
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(4) It has made safety evaluation on risk management of Electronic Banking and work operation facilities and system, etc., which meets the supervisory requirements;
| | （四）对电子银行业务风险管理情况和业务运营设施与系统等，进行了符合监管要求的安全评估；
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(5) It has set up a specific Electronic Banking management department, and has been staffed with qualified managers and technicians; and
| | （五）建立了明确的电子银行业务管理部门，配备了合格的管理人员和技术人员；
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(6) Other conditions required by CBRC.
| | （六）中国银监会要求的其他条件。
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Article 10 A financial institution that initiates Electronic Banking in the form of online banking or mobile banking, etc. by using Internet as the medium shall, in addition to meeting the conditions listed in Article 9, meet the following conditions:
| | 第十条 金融机构开办以互联网为媒介的网上银行业务、手机银行业务等电子银行业务，除应具备第九条所列条件外，还应具备以下条件：
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(1) Its basic facilities and equipment for Electronic Banking can guarantee the normal operations of Electronic Banking;
| | （一）电子银行基础设施设备能够保障电子银行的正常运行；
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(2) Its Electronic Banking system has the necessary business processing capacity, and can satisfy the customer's demand for timely business processing;
| | （二）电子银行系统具备必要的业务处理能力，能够满足客户适时业务处理的需要；
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(3) It has established an effective external attack detection mechanisms;
| | （三）建立了有效的外部攻击侦测机制；
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(4) If it is a Chinese-capital financial institution in the banking sector, its Electronic Banking operation system and business processing server should be established inside the territory of the People's Republic of China; or
| | （四）中资银行业金融机构的电子银行业务运营系统和业务处理服务器设置在中华人民共和国境内；
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(5) If it is a foreign-capital financial institution, its Electronic Banking operation system and business processing server may be established either inside or outside the territory of the People's Republic of China. When they are established outside the territory, the said institution shall establish facilities and equipment for recording and preserving transaction data inside the territory of the People's Republic of China, be able to meet the requirements of the financial regulatory department on on-site inspection, and be able to, in case of any legal dispute, meet the requirements of Chinese judicial institutions on investigation and evidence collection.
| | （五）外资金融机构的电子银行业务运营系统和业务处理服务器可以设置在中华人民共和国境内或境外。设置在境外时，应在中华人民共和国境内设置可以记录和保存业务交易数据的设施设备，能够满足金融监管部门现场检查的要求，在出现法律纠纷时，能够满足中国司法机构调查取证的要求。
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Article 11 A foreign-capital financial institution that initiates Electronic Banking shall, in addition to meeting the conditions as listed in Article 9 and Article 10, establish a business office inside the territory of the People's Republic of China in accordance with the relevant laws and administrative regulations, while the regulatory authority of its home country (region) shall have the legal framework for the supervision of Electronic Banking and the supervisory capacity.
| | 第十一条 外资金融机构开办电子银行业务，除应具备第九条、第十条 所列条件外，还应当按照法律、行政法规的有关规定，在中华人民共和国境内设有营业性机构，其所在国家（地区）监管当局具备对电子银行业务进行监管的法律框架和监管能力。
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Article 12 When a financial institution applies for initiating Electronic Banking, the approval system and report system shall apply separately on the basis of different types of Electronic Banking.
| | 第十二条 金融机构申请开办电子银行业务，根据电子银行业务的不同类型，分别适用审批制和报告制。
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(1) For the Electronic Banking initiated with Internet or other open network or wireless network, including online bank, mobile bank, and the Electronic Banking initiated with PDA such as palm computer, the approval system shall apply;
| | （一）利用互联网等开放性网络或无线网络开办的电子银行业务，包括网上银行、手机银行和利用掌上电脑等个人数据辅助设备开办的电子银行业务，适用审批制；
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(2) For the Electronic Banking initiated with domestic or regional telecommunication network or cable network, etc., the report system shall apply; and
| | （二）利用境内或地区性电信网络、有线网络等开办的电子银行业务，适用报告制；
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(3) For the Electronic Banking initiated with the special network built up by the bank for certain self-service facilities or with the customer, the separate provisions in the laws, regulations or administrative rules, if any, shall be complied with, or the report system shall apply when there are no such provisions.
After a financial institution initiates Electronic Banking, the relevant services it provides through the direct network connections with its certain customer shall belong to daily Electronic Banking services, not the type of Electronic Banking service in question.
| | （三）利用银行为特定自助服务设施或与客户建立的专用网络开办的电子银行业务，法律法规和行政规章另有规定的遵照其规定，没有规定的适用报告制。
金融机构开办电子银行业务后，与其特定客户建立直接网络连接提供相关服务，属于电子银行日常服务，不属于开办电子银行业务申请的类型。
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Article 13 A financial institution shall, before applying for initiating the Electronic Banking in need of examination and approval, communicate with CBRC first regarding the business in question, stating the scheme on the design and construction of the system and basic facilities of Electronic Banking in question, as well as the basic operational mode, etc. It shall also, according to the communication, adjust the relevant scheme.
After the regulatory communication is conducted, the financial institution shall carry out the Electronic Banking system construction according to the adjusted and improved scheme, and shall finish the internal testing work of the relevant system before filing the application.
The objects of internal testing shall be limited to the insiders of the financial institution, the relevant working staff of the outsourcing institution, and the working staff of the relevant institution, but shall not cover ordinary customers.
| | 第十三条 金融机构申请开办需要审批的电子银行业务之前，应先就拟申请的业务与中国银监会进行沟通，说明拟申请的电子银行业务系统和基础设施设计、建设方案，以及基本业务运营模式等，并根据沟通情况，对有关方案进行调整。
进行监管沟通后，金融机构应根据调整完善后的方案开展电子银行系统建设，并应在申请前完成对相关系统的内部测试工作。
内部测试对象仅限于金融机构内部人员、外包机构相关工作人员和相关机构的工作人员，不得扩展到一般客户。
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Article 14 A financial institution may, when applying for initiating Electronic Banking, simultaneously apply, in a same application report, for different types of Electronic Banking services, provided that the application shall indicate the types of Electronic Banking in question.
| | 第十四条 金融机构申请开办电子银行业务时，可以在一个申请报告中同时申请不同类型的电子银行业务，但在申请中应注明所申请的电子银行业务类型。
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Article 15 A financial institution shall, when applying to CBRC or its dispatched office for initiating Electronic Banking, submit the following documents and information (in triplets):
| | 第十五条 金融机构向中国银监会或其派出机构申请开办电子银行业务，应提交以下文件、资料（一式三份）：
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(1) the application report for initiating Electronic Banking, which was signed by the legal representative of the financial institution;
| | （一）由金融机构法定代表人签署的开办电子银行业务的申请报告；
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(2) the type of Electronic Banking in question, and the kind of business to be carried out;
| | （二）拟申请的电子银行业务类型及拟开展的业务种类；
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(3) the development planning on the Electronic Banking;
| | （三）电子银行业务发展规划；
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(4) the introduction on the operation facilities and technical system of the Electronic Banking;
| | （四）电子银行业务运营设施与技术系统介绍；
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(5) a testing report on the Electronic Banking system;
| | （五）电子银行业务系统测试报告；
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(6) a safety evaluation report on the Electronic Banking;
| | （六）电子银行安全评估报告；
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(7) the operational emergency responding plan and business continuity plan on the Electronic Banking;
| | （七）电子银行业务运行应急计划和业务连续性计划；
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(8) the risk management system and corresponding rules on the Electronic Banking;
| | （八）电子银行业务风险管理体系及相应的规章制度；
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(9) the management department and management duties of the Electronic Banking, as well as the introduction on the principal person-in-charge;
| | （九）电子银行业务的管理部门、管理职责，以及主要负责人介绍；
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(10) the name, telephone, fax, and e-mail box, etc. of the entity applicant's contact person; and
| | （十）申请单位联系人以及联系电话、传真、电子邮件信箱等联系方式；
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(11) other documents and information to be submitted as required by CBRC.
| | （十一）中国银监会要求提供的其他文件和资料。
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Article 16 CBRC or its dispatched office shall, when requiring a commercial bank in light of the regulatory requirements to supplement materials after receipt of the financial institution's application materials, inform the financial institution of the relevant requirements once and for all.
The financial institution shall work out and bind up the application materials anew in light of the requirements of CBRC or its dispatched office, and correct the date of submission, as well.
| | 第十六条 中国银监会或其派出机构在收到金融机构的有关申请材料后，根据监管需要，要求商业银行补充材料时，应一次性将有关要求告知金融机构。
金融机构应根据中国银监会或其派出机构的要求，重新编制和装订申请材料，并更正材料递交日期。
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Article 17 CBRC or its dispatched office shall, within 3 months as of receipt of the complete set of application materials of a financial institution for initiating the Electronic Banking in question, make a written decision on approval or disapproval. If it decides to disapprove the application, it shall explain the reason therefor.
| | 第十七条 中国银监会或其派出机构在收到金融机构申请开办需要审批的电子银行业务完整申请材料3个月内，作出批准或者不批准的书面决定；决定不批准的，应当说明理由。
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Article 18 Where a financial institution applies by submitting an application report for more than one type of Electronic Banking, CBRC or its dispatched office may approve all or some of the Electronic Banking services according to the relevant provisions and requirements.
With respect to the types of Electronic Banking which are not approved by CBRC or its dispatched office, the financial institution may file the application anew in accordance with the relevant provisions.
| | 第十八条 金融机构在一份申请报告中申请了多个类型的电子银行业务时，中国银监会或其派出机构可以根据有关规定和要求批准全部或部分电子银行业务类型的申请。
对于中国银监会或其派出机构未批准的电子银行业务类型，金融机构可按有关规定重新申请。
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Article 19 A financial institution does not have to file an application if initiating the Electronic Banking services governed by the report system, provided that it shall, with reference to the relevant provisions in Article 15, submit relevant materials to CBRC or its dispatched office one month before initiating the Electronic Banking.
| | 第十九条 金融机构开办适用于报告制的电子银行业务类型，不需申请，但应参照第十五条的有关规定，在开办电子银行业务之前1个月，将相关材料报送中国银监会或其派出机构。
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Article 20 A financial institution may, after initiating Electronic Banking, make use of the Electronic Banking platform to advertise and sell traditional bank products and services, or develop new types of business according to the features of Electronic Banking.
A financial institution shall, when making use of the Electronic Banking platform to advertise relevant bank products or services, abide by the relevant laws, regulations and business management rules. It shall, when making use of the Electronic Banking platform to sell relevant bank products or services, carefully analyze and choose products suitable to be sold by way of Electronic Banking, instead of making use of Electronic Banking to sell banking products which may not be sold until the customer has been evaluated on site or has confirmed the products, unless there are otherwise different provisions in any law, regulation or administrative rule.
| | 第二十条 金融机构开办电子银行业务后，可以利用电子银行平台进行传统银行产品和服务的宣传、销售，也可以根据电子银行业务的特点开发新的业务类型。
金融机构利用电子银行平台宣传有关银行产品或服务时，应当遵守相关法律法规和业务管理规章的有关规定。利用电子银行平台销售有关银行产品或服务时，应认真分析选择适应电子银行销售的产品，不得利用电子银行销售需要对客户进行当面评估后才能销售的，或者需要客户当面确认才能销售的银行产品，法律法规和行政规章另有规定的除外。
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Article 21 Where a financial institution adds or modifies the types of Electronic Banking when required by its business development, the approval system or report system shall apply.
| | 第二十一条 金融机构根据业务发展需要，增加或变更电子银行业务类型，适用审批制或报告制。
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Article 22 Where a financial institution adds or modifies any of the following types of Electronic Banking services, the approval system shall apply:
| | 第二十二条 金融机构增加或者变更以下电子银行业务类型，适用审批制：
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(1) the services as required by any relevant law, regulation or administrative rule to be subject to examination and approval, but which the financial institution has not applied for, and prepares to initiate by making use of Electronic Banking;
| | （一）有关法律法规和行政规章规定需要审批但金融机构尚未申请批准，并准备利用电子银行开办的；
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(2) the services which may not be carried out until the financial institution is directly connected with the securities sector or insurance sector, etc. for real-time data exchange when applying the approved business to Electronic Banking;
| | （二）金融机构将已获批准的业务应用于电子银行时，需要与证券业、保险业相关机构进行直接实时数据交换才能实施的；
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(3) the services to be carried out between financial institutions through the connected Electronic Banking platform; and
| | （三）金融机构之间通过互联电子银行平台联合开展的；
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(4) trans-boundary Electronic Banking services.
| | （四）提供跨境电子银行服务的。
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Article 23 Where a financial institution adds or modifies any Electronic Banking service that is subject to examination and approval, it shall submit the following documents and information (in triplets) to CBRC or its dispatched office:
| | 第二十三条 金融机构增加或变更需要审批的电子银行业务类型，应向中国银监会或其派出机构报送以下文件和资料（一式三份）：
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(1) the application for adding or modifying the type of business, which is signed by the legal representative of the financial institution;
| | （一）由金融机构法定代表人签署的增加或变更业务类型的申请；
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(2) definition and operational flow of the types of business services to be added or modified;
| | （二）拟增加或变更业务类型的定义和操作流程；
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(3) features of risks of the types of business services to be added or modified, and the prevention measures;
| | （三）拟增加或变更业务类型的风险特征和防范措施；
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(4) relevant management rules;
| | （四）有关管理规章制度；
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(5) the name, telephone, fax, and e-mail box, etc. of the entity applicant's contact person; and
| | （五）申请单位联系人以及联系电话、传真、电子邮件信箱等联系方式；
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(6) other documents and information to be submitted as required by CBRC.
| | （六）中国银监会要求提供的其他文件和资料。
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Article 24 A financial institution in the banking sector whose business activities are not restricted by region (hereinafter referred to as national financial institution) shall, when applying for initiating Electronic Banking or for adding or modifying any Electronic Banking service which are subject to examination and approval, file the application via its head office (company) to CBRC.
A financial institution in the banking sector that is required by the relevant provisions to carry out business activities only in a certain city or region (hereinafter referred to as regional financial institution) shall, when applying for initiating Electronic Banking or for adding or modifying any of Electronic Banking services that are subject to examination and approval, file the application via its legal entity to the local dispatched office of CBRC.
A foreign-capital financial institution shall, when applying for initiating Electronic Banking or for adding or modifying a type of Electronic Banking in need of examination and approval, file the application via its head office (company) or its principal reporting bank inside the territory of the People's Republic of China to CBRC.
| | 第二十四条 业务经营活动不受地域限制的银行业金融机构（以下简称全国性金融机构），申请开办电子银行业务或增加、变更需要审批的电子银行业务类型，应由其总行（公司）统一向中国银监会申请。
按照有关规定只能在某一城市或地区内从事业务经营活动的银行业金融机构（以下简称地区性金融机构），申请开办电子银行业务或增加、变更需要审批的电子银行业务类型，应由其法人机构向所在地中国银监会派出机构申请。
外资金融机构申请开办电子银行业务或增加、变更需要审批的电子银行业务类型，应由其总行（公司）或在中华人民共和国境内的主报告行向中国银监会申请。
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Article 25 CBRC or its dispatched office shall, within 3 months as of receipt of a financial institution's complete set of application materials for adding or modifying a type of Electronic Banking in need of examination and approval, make a written decision on approval or disapproval. If it decides to disapprove the application, it shall explain the reason therefor.
| | 第二十五条 中国银监会或其派出机构在收到金融机构增加或变更需要审批的电子银行业务类型完整申请材料3个月内，做出批准或者不批准的书面决定；决定不批准的，应当说明理由。
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Article 26 In case of any other type of Electronic Banking service, the report system shall apply, and the financial institution does not have to file an application when adding or modifying it, but shall, within one month before initiating this type of business, submit relevant materials to CBRC or its dispatched office with reference to Article 23 of the relevant provisions.
| | 第二十六条 其他电子银行业务类型适用报告制，金融机构增加或变更时不需申请，但应在开办该业务类型前1个月内，参照第二十三条的有关规定，将有关材料报送中国银监会或其派出机构。
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Article 27 A financial institution in the banking sector that has realized the centralized data processing and system integration (hereinafter referred to as centralized data processing) may, after being approved to initiate Electronic Banking, authorize its branch to provide partial or all Electronic Banking services. Its branch shall, before initiating relevant business, report to the local dispatched office of CBRC.
．．．．．． | | 第二十七条 已经实现业务数据集中处理和系统整合（以下简称数据集中处理）的银行业金融机构，获准开办电子银行业务后，可以授权其分支机构开办部分或全部电子银行业务。其分支机构在开办相关业务之前，应向所在地中国银监会派出机构报告。
未实现数据集中处理的银行业金融机构，如果其分支机构的电子银行业务处理系统独立于总部，该分支机构开办电子银行业务按照地区性金融机构开办电子银行业务的情形管理，应持其总行授权文件，按照有关规定向所在地中国银监会派出机构申请或报告。其他分支机构只需持其总行授权文件，在开办相关业务之前，向所在地中国银监会派出机构报告。
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