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Notice of China Banking Regulatory Commission on Issuing the Guidelines on the Business Cooperation between Banks and Trust Companies
(No.83 [2008] of the CBRC)
All banking regulatory bureaus; all policy banks, state-owned commercial banks and joint-stock commercial banks; the Postal Savings Bank of China; and the trust companies directly under the CBRC:
We hereby issue the Guidelines on the Business Cooperation between Banks and Trust Companies to you for your earnest compliance and implementation.
All banking regulatory bureaus shall forward this Notice to all banking financial institutions within your respective jurisdictions.
China Banking Regulatory Commission
December 4, 2008
Guidelines on the Business Cooperation between Banks and Trust Companies
| | 中国银监会关于印发《银行与信托公司业务合作指引》的通知
（银监发〔2008〕83号）
各银监局，各政策性银行、国有商业银行、股份制商业银行，邮政储蓄银行，银监会直接监管的信托公司：
现将《银行与信托公司业务合作指引》印发给你们，请认真贯彻执行。
请各银监局将本通知转发给辖内各银行业金融机构。
中国银行业监督管理委员会
二○○八年十二月四日
银行与信托公司业务合作指引
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Chapter I General Provisions
| | 第一章 总则
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Article 1 To regulate the business cooperation between banks and trust companies, guide banks and trust companies to make innovations according to law, enhance the healthy and orderly development of their business cooperation and protect the legal rights and interests of the relevant parties concerned, these Guidelines are formulated according to the Banking Supervision Law of the People's Republic of China, the Law of the People's Republic of China on Commercial Banks, the Trust Law of the People's Republic of China and the relevant regulatory rules on banks and trust companies.
| | 第一条 为规范银行与信托公司开展业务合作的经营行为，引领银行、信托公司依法创新，促进银信合作健康、有序发展，保护银信合作相关当事人的合法权益，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《中华人民共和国信托法》等法律，以及银行、信托公司的有关监管规章，制定本指引。
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Article 2 These Guidelines apply to the business cooperation conducted by banks and trust companies within the People's Republic of China.
| | 第二条 银行、信托公司在中华人民共和国境内开展业务合作，适用本指引。
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Article 3 For the purpose of these Guidelines, the term “banks” includes commercial banks, rural cooperative banks, urban credit cooperatives, rural credit cooperatives and other financial institutions and policy banks that are leally established within the People's Republic of China and absorb public deposits.
For the purpose of these Guidelines, the term “trust companies” refers to the financial institutions legally established within the People's Republic of China that take the trust business as their principal business.
| | 第三条 本指引所称银行，包括中华人民共和国境内依法设立的商业银行、农村合作银行、城市信用合作社、农村信用合作社等吸收公众存款的金融机构以及政策性银行。
本指引所称信托公司是指中华人民共和国境内依法设立的主要经营信托业务的金融机构。
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Article 4 The business cooperation between banks and trust companies shall satisfy the requirements of the state's macroeconomic policies, industrial policies and environmental protection policies, give full play to the advantages of banks and trust companies and be based on the principles of equal negotiation, mutual benefit, transparency and risk prevention so as to make the advantages of both parties complement each other and realize a win-win situation.
| | 第四条 银行、信托公司开展业务合作，应当遵守国家宏观政策、产业政策和环境保护政策等要求，充分发挥银行和信托公司的各自优势，平等协商、互惠互利、公开透明、防范风险，实现合作双方的优势互补和双赢。
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Article 5 The CBRC shall be responsible for supervising and administering the business cooperation between banks and trust companies.
| | 第五条 中国银监会对银行、信托公司开展业务合作实施监督管理。
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Chapter II Financial Management Business Cooperation between Banks and Trust Companies
| | 第二章 银信理财合作
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Article 6 For the purpose of these Guidelines, the term “financial management business cooperation between banks and trust companies” means that banks put their capital under the financial management program on trust for trust companies to manage, use and dispose of as trustees according to the trust documents.
| | 第六条 本指引所称银信理财合作，是指银行将理财计划项下的资金交付信托，由信托公司担任受托人并按照信托文件的约定进行管理、运用和处分的行为。
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Article 7 The financial management business cooperation between a bank and a trust company shall satisfy the following requirements:
| | 第七条 银信理财合作应当符合以下要求：
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1. they shall stick to the prudential principle and abide by the relevant laws, regulations and regulatory provisions;
| | （一）坚持审慎原则，遵守相关法律法规和监管规定；
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2. both the bank and the trust company shall keep separate accounts and set up an effective risk isolation mechanism;
| | （二）银行、信托公司应各自独立核算，并建立有效的风险隔离机制；
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3. the trust company shall independently handle the trust issues with due diligence, and the bank may not interfere in the trust company's management behaviors;
| | （三）信托公司应当勤勉尽责独立处理信托事务，银行不得干预信托公司的管理行为；
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4. they shall disclose the relevant information about their financial management business cooperation legally, betimes and sufficiently; and
| | （四）依法、及时、充分披露银信理财的相关信息；
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5. other requirements as set forth by the CBRC.
| | （五）中国银监会规定的其他要求。
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Article 8 Banks and trust companies shall set up management systems suitable for their financial management business cooperation, including but not limited to the project initiation examination and approval system, the regulation-compliance and risk management system and the information disclosure system, and shall set up good management systems for front, middle and back offices.
| | 第八条 银行、信托公司应当建立与银信理财合作相适应的管理制度，包括但不限于业务立项审批制度、合规管理和风险管理制度、信息披露制度等，并建立完善的前、中、后台管理系统。
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Article 9 To conduct financial management business cooperation with a trust company, a bank shall have a clear strategic planning, make a cooperation strategy according to its actual situations, have the strategy adopted at the board of directors or the board of management, and observe the following provisions:
| | 第九条 银行开展银信理财合作，应当有清晰的战略规划，制定符合本行实际的合作战略并经董事会或理事会通过，同时遵守以下规定：
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1. strictly abiding by the Interim Measures for the Administration of Commercial Banks' Individual Financial Management Business and other regulatory provisions;
| | （一）严格遵守《商业银行个人理财业务管理暂行办法》等监管规定；
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2. fully disclosing the risks involved in its financial management plans and testing the risk tolerance level of clients;
| | （二）充分揭示理财计划风险，并对客户进行风险承受度测试；
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3. in recommending a financial management plan, clearly indicating the ways for the application of capital under financial management and ways for the management of trust property;
| | （三）理财计划推介中，应明示理财资金运用方式和信托财产管理方式；
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4. where no strict estimation is conducted and no estimation basis and methods are provided, words like “expected yield” and “highest yield” may not appear in recommending a financial management plan;
| | （四）未经严格测算并提供测算依据和测算方式，理财计划推介中不得使用“预期收益率”、“最高收益率”或意思相近的表述；
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5. notifying clients of the basic information about the trust company in writing, and stating the name, domicile and other information of the trust company in the financial management agreement;
．．．．．． | | （五）书面告知客户信托公司的基本情况，并在理财协议中载明其名称、住所等信息；
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