Guidelines for Managing the Risks Attaching to the Personal Financial Management Business of Commercial Banks
商业银行个人理财业务风险管理指引
CLP Reference: 3610/05.09.24(2)
Promulgated: 24 September 2005
Effective: 01 November 2005
Keywords (click to search): [risk management requirements] [personal financial management advisory services] [comprehensive financial management services] [personal financial management business products] [risk limits] [guaranteed return financial management scheme]
(Promulgated by the China Banking Regulatory Commission on September 24 2005 and effective as of November 1 2005.)
(中国银行业监督管理委员会于二零零五年九月二十四日公布，自二零零五年十一月一日起施行。)
PART ONE: GENERAL PROVISIONS
Article 1: These Guidelines have been formulated pursuant to such relevant laws, regulations and administrative rules as the PRC Banking Regulation Law, the PRC Commercial Banking Law, etc. in order to strengthen regulation of the personal financial management business of commercial banks and improve the management by commercial banks of the risks attaching to such business.
第一条 为加强商业银行个人理财业务的监管，提高商业银行个人
理财业务风险管理水平，依据《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》等相关法律法规和行政规章，制定本指引。
Article 2: A commercial bank shall, based on these Guidelines and in line with its business development strategy, risk management methods and the particularities of the personal financial management business it engages in, formulate more specific and directed internal risk management rules and risk management procedures, establish a sound system for the management of risks attaching to the personal financial management business and incorporate the risks attaching to the personal financial management business into its overall risk management system.
第二条 商业银行应根据本指引及自身业务发展战略、风险管理方式和所开展的个人理财业务特点，制定更加具体和有针对性的内部风险管理制度和风险管理规程，建立健全个人理财业务风险管理体系，并将个人理财业务风险纳入商业银行整体风险管理体系之中。
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