Chapter 1 General Provisions Article 1 In order to regulate the financial behavior of local commercial banks and non-bank financial institutions in this city, promote fair competition among various financial enterprises, strengthen financial supervision, establish a centralized and unified financial supervision system, and prevent financial risks, this document is formulated

Method.

Article 2 These Measures apply to commercial banks, trust investment companies, securities companies, fund management companies, and other commercial banks, trust and investment companies, securities companies, fund management companies,

Insurance companies, rural credit cooperatives, finance companies, leasing companies, pawn shops and other banks and non-bank financial institutions (hereinafter collectively referred to as financial institutions).

Article 3 Financial institutions shall, within 30 days from the date of industrial and commercial registration, submit copies of the enterprise establishment approval certificate, business license, contract, articles of association and other documents to the financial department at the same level.

Article 4 If a financial institution undergoes major matters such as relocation, merger, establishment of branches, or other changes in registration, it shall submit copies of relevant change documents to the financial department at the same level within 30 days from the date of completing the formalities in accordance with the law.

Article 5 Financial institutions shall abide by national laws and regulations; implement the national financial system and relevant regulations of the municipal financial department, and accept inspection and supervision by the financial department at the same level.

Chapter 2 Supervisory Agencies and Systems Article 6 The municipal finance department is responsible for the financial supervision of financial institutions in this city; responsible for formulating regulations on the financial supervision of financial institutions in this city in accordance with relevant national laws and regulations; responsible for guiding the supervision work of district and county financial departments

.

Article 7: District and county financial departments are responsible for the financial supervision of rural credit unions within their respective regions, and carry out daily financial supervision of local branches of municipal financial institutions in accordance with the requirements of the municipal financial department.

Chapter 3 Supervision Functions Article 8 Establish a filing and approval system for important financial matters.

Financial institutions must consciously accept the financial supervision implemented by the financial department at the same level in accordance with the law, and must promptly submit important financial matters to the financial department for approval or filing in accordance with prescribed procedures.

Article 9 Financial institutions shall establish and improve internal financial systems.

Financial departments at all levels must, in accordance with relevant national regulations, help financial institutions formulate internal management measures and improve the internal financial supervision and management responsibility system of enterprises, including general managers, financial directors, financial departments and other functional departments.

Article 10 Financial institutions shall establish a financial plan declaration and approval system.

The contents of the financial plan mainly include: business management expenses (or business management expense rate), realized profits, fixed assets and projects under construction (including intangible assets formed by purchasing land use rights), acquisition and construction scale, bad debt reserve withdrawal and bad debt review.

sales plan and other planning indicators.

Financial institutions must submit financial plans to the financial department at the same level in accordance with regulations.

(1) Wholly state-owned and state-controlled financial institutions must submit financial plans as legal entities to the financial department at the same level before January 20 of each year, and submit a credit fund plan at the same time.

The financial department must carefully examine the financial plans submitted by wholly state-owned and state-controlled financial institutions and approve them within the prescribed time limit.

(2) The financial plans of other financial institutions shall be reported to the financial department at the same level for filing.

Article 11 Financial institutions shall establish and improve the financial final account report and approval system, and prepare and submit annual financial final account reports in accordance with the requirements of the financial department.

(1) The annual financial accounts prepared by wholly state-owned and state-controlled financial institutions shall be submitted to the financial department at the same level, which shall be reviewed and approved within the prescribed time limit.

(2) The final financial accounts of other financial institutions shall be submitted to the financial department at the same level for filing after being reviewed by social intermediaries.

Article 12 Financial institutions shall establish a special account management system for expenses.

In accordance with the provisions of the "Notice forwarded by the Beijing Municipal Finance Bureau to the Ministry of Finance on the issuance of the "Measures for the Management of Special Accounts for Financial Enterprise Expenses"", financial institutions must report the current year's expense indicator plan to the financial department at the same level before the end of April each year, and the financial department will approve it.

implement.

Expenses of financial institutions must strictly comply with the expense rate or total amount of expenses approved by the financial department, and may not be adjusted without authorization.

Financial institutions must strictly control various expenses and expenditures to prevent the squeeze on credit and working capital.

Chapter 4 Supervision Responsibilities Article 13 The financial department has the right to supervise and inspect the financial activities of financial institutions.

The contents of supervision and inspection include daily supervision and management and special management work.

Article 14: Daily supervision and management of financial institutions: (1) Supervise and inspect whether the financial processing and accounting procedures of financial institutions comply with the relevant financial systems of the Ministry of Finance and other relevant regulations.

(2) Supervise and inspect whether the withdrawal of bad debt reserves, bad debt reserves, investment risk reserves, etc. of financial institutions complies with the relevant provisions of the financial system.

(3) Supervise and inspect whether the interest receivable and payable by financial institutions is calculated in accordance with the relevant national regulations; whether overdue loans and sluggish loans are determined in strict accordance with the provisions of the financial system.

(4) Supervise and inspect whether the external investment of financial institutions complies with legal procedures.

(5) Supervise and inspect the capital dispatch control system of financial institutions to ensure the safety of capital dispatch.

(6) Supervise and inspect the reasonable use of costs and consumer funds of financial institutions.