银行信用风险外文文献翻译.docx

Interim　Meａsuｒes on Ｉnformaｔｉon Disclosurｅ oｆ Cｏmｍercｉal Ｂaｎｋs ﻫﻫＯrｄeｒ of tｈe Ｐｅople＇s　Bａnk ｏｆ China　ﻫＭay 15， 2002 ﻫﻫCｈapｔｅr Ｉ Gｅnｅraｌ　Proviｓionｓ ﻫArticle 1　Ｔheｓｅ ｒuｌｅs ａre formulated ｏn the　ｂaｓｉｓ oｆ "Laｗ oｎ　ｔhe　Peopｌe＇s bａnk of　Chiｎa　oｆ the　Ｐｅｏplｅ＇s Repuｂlｉc　of　Ｃｈiｎa＂　anｄ ＂Coｍmｅrcｉａl Banｋｉｎg Ｌaw of the　Ｐeopｌe's　Ｂanｋ oｆ Ｃｈiｎa", ｗhｉch ａim to stｒｅｎgtｈeｎ　maｒkｅt　discｉpliｎe　of　cｏmmeｒcｉal　baｎｋs， standarｄiｚe　inｆｏｒｍatｉon ｄisｃｌosuｒe of ｃommｅｒcial　baｎkｓ,　ｅfｆectivelｙ safｅgｕarｄ　ｌｅgitｉmaｔe inｔerests ｏf　depｏｓiｔｏrs　and　otheｒ ｓtakｅholｄeｒｓ and　ｐｒｏmｏte sａfe， ｓｏｕｎd　aｎd ｅｆｆiｃｉent　opｅｒａtｉon　ｏｆ ｃｏｍｍｅｒｃial ｂanｋｓ．　ﻫＡrｔiｃlｅ　2 Ｔhｅｓe ｒulｅs aｒｅ tｏ ｂe apｐlied to　ｃｏｍmercial banｋs ｔhaｔ are ｅsｔａblished　lｅｇaｌlｙ withｉｎ the　teｒrｉtory of thｅ Ｐeopｌe'ｓ Ｒｅpubliｃ of Cｈiｎa， iｎcludiｎg domestic　coｍmｅrciaｌ bａｎｋs,　ｗhｏllｙ fｏreｉgn fｕnｄｅd ｂａnｋｓ，　joint　ｖeｎｔurｅ　bａnkｓ ａnｄ ｂraｎｃhes　of　forｅigｎ bankｓ． ﻫAｒtiｃｌe 3 Coｍｍercial baｎｋｓ ｓhoｕld　ｄisｃｌose　inｆormａtion　ａccoｒdinｇ　to　theｓｅ ruleｓ, wｈich arｅ the　minｉmum ｒequｉｒemｅnts　fｏr coｍmercial　ｂankｓ' infｏrmａtion dｉsｃlosuｒe. Whiｌe ａbiding by　ｔｈeｓｅ　ruleｓ,　cｏmmｅｒciaｌ banks　caｎ dｉscｌoｓe more infoｒmaｔiｏn ｔhan　ｗｈat hａs　ｂeｅｎ requｉreｄ ｂy ｔhesｅ rulｅs　ａt tｈｅｉr owｎ diｓcreｔｉon. ﻫIn adｄｉtiｏｎ tｏ theｓe　ruｌeｓ， lisｔed cｏｍmｅｒcial ｂａｎｋs shｏuld aｌso ｃonform　to relevaｎt　ｉnｆｏrmaｔｉon dｉｓｃloｓｕre ruleｓ pｕbｌｉｓhｅd　by ｒｅgulaｔory　bodｙ ｏf thｅ　sｅｃuriｔies　induｓtｒy. ﻫAｒｔｉcle　4　Informatｉon　dｉsclｏｓuｒe of commeｒｃial banks s