第二条本指引适用于银行业金融机构。
Article 2 These Guidelines apply to banking financial institutions.
银行业金融机构应当严格遵守审慎经营规则。
The financial institutions of the banking industry shall strictly observe the rules of prudent operation.
负责对全国银行业金融机构运行和风险状况进行调查分析。
To investigate and analyze the functioning and risk status of the banking financial institutions in the country.
银行业金融机构董事会对外部审计负最终责任。
The board of directors of a banking financial institution shall bear the ultimate responsibility for external audit.
除政策性银行外，其他银行业金融机构可参照执行。
Other banking financial institutions except policy banks may implement the present Opinions by reference.
对银行业金融机构的董事和高级管理人员实行任职资格管理；
To conduct the administration of qualifications for positions of directors and senior managerial personnel of the banking institutions;
县域内银行业金融机构新吸收的存款，主要用于当地发放贷款。
County area banking financial institutions to absorb new deposits, mainly for local loans.
第二条本办法适用于银行业监督管理机构和银行业金融机构。
Article 2 the present Measures shall be applicable to the banking regulatory institutions and the banking institutions.
银行业金融机构必须建立适应风险管理的存款风险滚动式检查制度。
A banking financial institution must set up a rolling inspection system for deposit risks which meets the risk management requirements.
第三条银行业金融机构应当建立健全委托外审机构的相关规章制度。
Article 3 a banking financial institution shall establish and improve the relevant rules and regulations on entrusting external audit institutions.
负责制定和完善银行业金融机构的统计标准、统计制度及统计方法，并发布实施。
To enact and improve the statistical standards for the banking financial institutions, statistical rules and methods and promulgate and implement accordingly.
2009年各银行业金融机构小企业贷款增幅应不低于全部贷款增幅。
The growth rate of loans granted by all banking financial institutions to small enterprises in 2009 should not be lower than that of all loans.
负责监督、指导、考核和培训银行业金融机构以及银监会派出机构的监管统计工作。
To supervise, guide, check and train the regulatory statistical work of the banking financial institutions and the resident agencies of the Commission.
银行业金融机构等要严格规范信贷管理，切实加强风险识别和风险管理。
Banks and other financial institutions shall strictly regulate the credit management and practically strengthen risk identification and risk management.
二是进一步规范银行业金融机构与房地产开发企业和中介机构业务合作管理。
The second is to further standardize the management on the business cooperation of banking financial institutions with real estate development enterprises and intermediaries.
至今尚未制定员工守则的银行业金融机构，应按照《指引》的要求尽快制定。
A banking financial institution, which has not formulated a code of conduct for employees, shall formulate one according to the Guidance as soon as possible.
本指引所称外部审计是指外部审计机构对银行业金融机构的年度财务报告审计；
The term "external audit" as mentioned in these Guidelines refers to an external audit institution's audit of the annual financial reports of banking financial institutions;
检查人员少于二人或者未出示合法证件和检查通知书的，银行业金融机构有权拒绝检查。
Where there are less than two inspectors, or no legal certificates and written notification of inspection are produced, the financial institution shall have the right to refuse to accept inspection.
各银行业金融机构要将《指引》的内容在主要经营场所向客户公布，自觉接受社会监督。
All banking financial institutions shall disclose to clients the contents of the Guidance in the major business premises and consciously accept the supervision by the general public.
非现场监管与现场检查是银行业监督管理机构对银行业金融机构进行检查的两种手段和方式。
Off-site supervision and spot inspection are the two methods and means of banking supervision and management institutions to inspect the banking financial institutions.
同时，道德风险意识的增强和职业操守的提高，也是对银行业金融机构和从业人员自身的保护。
At the same time, to enhance the awareness of moral risks and professional ethics is also a shield for the banking financial institutions and the practitioners themselves.
安全评估活动是一项十分重要的业务工作，评估的结果直接关系到银行业金融机构的切身利益。
Safety evaluation is an item of very important professional work, and the evaluation result is directly related to the immediate interests of banking financial institutions.
第二十四条银行业监督管理机构应当对银行业金融机构的业务活动及其风险状况进行现场检查。
Article 24 the banking regulatory authority shall conduct on-site inspection of the business operations and risk profile of the financial institutions of the banking industry.
银行业监管统计是银行业监管工作的重要组成部分，也是银行业金融机构内部控制的重要组成部分。
The banking supervisory statistics are an important component of the banking supervisory work and the internal control of the banking institutions.
第二条加强存款风险管理，是银行业金融机构保护客户资金安全的职责所在，是风险管理的常规工作。
Article 2 Strengthening the deposit risk management shall be an obligation of the banking financial institutions to protect the safety of customers' funds and a routine job in the risk management.
“电子支付”指单位、个人通过电子终端，直接或间接向银行业金融机构发出支付指令，实现货币支付与资金转移。
Electronic payment means someone putting out their payment order directly or indirectly through the Electronic Ending for money paying and funds transferring.
“电子支付”指单位、个人通过电子终端，直接或间接向银行业金融机构发出支付指令，实现货币支付与资金转移。
Electronic payment means someone putting out their payment order directly or indirectly through the Electronic Ending for money paying and funds transferring.
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