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| Measures for the Regulatory Assessment of Corporate Governance of Banking and Insurance Institutions | | 银行保险机构公司治理监管评估办法 |
| (No. 19 [2022] of the China Banking and Insurance Regulatory Commission, November 28, 2022) | | （银保监规〔2022〕19号 2022年11月28日） |
| Chapter I General Provisions | | 第一章 总 则 |
| Article 1 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 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. | | 第一条 为推动银行保险机构提升公司治理有效性，促进银行业和保险业长期稳健发展，根据《中华人民共和国公司法》《中华人民共和国商业银行法》《中华人民共和国银行业监督管理法》《中华人民共和国保险法》等法律法规及监管规定，制定本办法。 |
| 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. | | 第二条 本办法所称公司治理监管评估，是指中国银保监会及其派出机构依法对银行保险机构公司治理水平和风险状况进行判断、评价和分类，并根据评估结果依法实施分类监管。 |
| 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. | | 第三条 本办法适用于中华人民共和国境内依法设立的商业银行、商业保险机构和其他非银行金融机构（法人机构），包括：国有大型商业银行、股份制商业银行、城市商业银行、民营银行、农村商业银行、农村合作银行、外资银行、保险集团（控股）公司、财产保险公司、再保险公司、人身保险公司、相互保险社、自保公司、金融资产管理公司、金融租赁公司、企业集团财务公司、汽车金融公司、消费金融公司及货币经纪公司。 |
| 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. | | 第四条 银行保险机构公司治理监管评估应当遵循依法合规、客观公正、标准统一、突出重点的原则。 |
| Chapter II Assessment Contents and Methods | | 第二章 评估内容和方法 |
| 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. | | 第五条 银行保险机构公司治理监管评估内容主要包括：党的领导、股东治理、关联交易治理、董事会治理、监事会和高管层治理、风险内控、市场约束、利益相关者治理等方面。 |
| Article 6 The regulatory assessment of corporate governance shall include three steps, i.e. compliance evaluation, effectiveness evaluation, and downgrading due to major events. | | 第六条 公司治理监管评估包括合规性评价、有效性评价、重大事项调降评级三个步骤。 |
| (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）合规性评价。满分100分，主要考查银行保险机构公司治理是否符合法律法规及监管规定，监管机构对相关指标逐项评价打分。 |
| (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）有效性评价。重点考查银行保险机构公司治理机制的实际效果，主要关注存在的突出问题和风险。监管机构在合规性评价得分基础上，对照有效性评价指标进行扣分；对银行保险机构改善公司治理有效性的优秀实践，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 its corresponding assessment level, and form the assessment result. | | （三）重大事项调降评级。当机构存在公司治理重大缺陷甚至失灵情况时，监管机构对前两项综合评分及其对应评估等级进行调降，形成评估结果。 |
| 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. | | 合规性指标或有效性指标存在问题持续得不到整改的，可以视情况加大扣分力度。第二年未整改的，可按该指标分值两倍扣分；第三年未整改的，可按该指标分值四倍扣分；第四年未整改的，可按该指标分值八倍扣分；以此类推。 |
| 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. | | 第七条 公司治理监管评估总分为100分，评估等级分为五级：90分以上为A级，90分以下至80分以上为B级，80分以下至70分以上为C级，70分以下至60分以上为D级，60分以下为E级。 |
| Article 8 An institution falling under any of the following circumstances may be directly rated as Grade E: | | 第八条 存在下列情形的，可以直接评定为E级： |
| (1) It refuses to accept or obstructs the regulatory assessment of corporate governance. | | （一）拒绝或者阻碍公司治理监管评估； |
| (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）通过提供虚假材料等方式隐瞒公司治理重要事实、资产质量等方面的重大风险； |
| (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）股东虚假出资、出资不实、循环注资、抽逃出资或变相抽逃出资，或与银行保险机构开展违规关联交易，严重影响银行保险机构资本充足率、偿付能力充足率真实性； |
| (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）股东通过隐藏实际控制人、隐瞒关联关系、隐形股东、股权代持、表决权委托、一致行动约定等行为规避监管审查，控制或操纵银行保险机构经营管理； |
| (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）公司治理机制失灵，股东（大）会、董事会长期（一年以上）无法正常召开或做出决策； |
| (6) It has a redemption crisis or is seriously insolvent. | | （六）出现兑付危机、偿付能力严重不足的情形； |
| (7) Any other circumstance of corporate governance mechanism failure determined by the regulator. | | （七）监管机构认定的其他公司治理机制失灵的情形。 |
| 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. | | 第九条 银保监会可以根据公司治理监管工作需要，修订完善银行保险机构公司治理监管评估内容、评价指标及评分规则，并及时告知银行保险机构。 |
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