第一條 為了確立中國人民銀行的地位和職責，保證國家貨幣政策的正確制定和執行，建立和完善中央銀行宏觀調控體系，加強對金融業的監督管理，制定本法。
Article 1 This Law is enacted in order to define the status and functions of the People's Bank of China, ensure the correct formulation and implementation of the State's monetary policies, establish and perfect a macro-control system through a central bank and strengthen supervision and control over the banking industry.

第二條 中國人民銀行是中華人民共和國的中央銀行。
Article 2 The People's Bank of China is the central bank of the People's Republic of China.

中國人民銀行在國務院領導下，制定和實施貨幣政策，對金融業實施監督管理。
The People's Bank of China shall, under the leadership of the State Council, formulate and implement monetary policies and exercise supervision and control over the banking industry.

第三條 貨幣政策目標是保持貨幣幣值的穩定，并以此促進經濟增長。
Article 3 The aim of monetary policies shall be to maintain the stability of the value of the currency and thereby promote economic growth.

第四條 中國人民銀行履行下列職責：
Article 4 The People's Bank of China shall perform the following functions:

（一）依法制定和執行貨幣政策；
(1) to formulate and implement monetary policies in accordance with law;

（二）發行人民幣，管理人民幣流通；
(2)to issue Renminbi(RMB) and control its circulation;

（三）按照規定審批、監督管理金融機構；
(3)to examine, grant approval to, supervise and administer banking institutions in accordance with regulations;

（四）按照規定監督管理金融市場；
(4)to supervise and control the financial market in accordance with regulations;

（五）發布有關金融監督管理和業務的命令和規章；
(5)to promulgate orders, rules and regulations concerning financial supervision and control and business operation;

（六）持有、管理、經營國家外匯儲備、黃金儲備；
(6)to hold,administer and manage the State foreign exchange reserve and gold reserve;

（七）經理國庫；
(7)to manage the State Treasury;

（八）維護支付、清算系統的正常運行；
(8)to maintain the normal operation of the systems for making payments and settling accounts;

（九）負責金融業的統計、調查、分析和預測；
(9)to be responsible for statistics, investigation, analysis and forecasting concerning the banking industry;

（十）作為國家的中央銀行，從事有關的國際金融活動；
(10)to engage in relevant international banking operations in its capacity as the central bank of the State; and

（十一）國務院規定的其他職責。
(11)other functions prescribed by the State Council.

中國人民銀行為執行貨幣政策，可以依照本法第四章的有關規定從事金融業務活動。
To implement monetary policies, the People's Bank of China may carry out financial operations in accordance with the relevant provisions of Chapter ￠?? this Law.

第五條 中國人民銀行就年度貨幣供應量、利率、匯率和國務院規定的其他重要事項作出的決定，報國務院批準后執行。
Article 5 The People's Bank of China shall report its decisions to the State Council for approval concerning the annual money supply, interest rates, foreign exchange rates and other important matters specified by the State Council before they are implemented.

中國人民銀行就前款規定以外的其他有關貨幣政策事項作出決定后，即予執行，并報國務院備案。
The People's Bank of China shall immediately implement the decisions on monetary policies for matters other than those specified in the preceding paragraph and report them to the State Council for the record.

第六條 中國人民銀行應當向全國人民代表大會常務委員會提出有關貨幣政策情況和金融監督管理情況的工作報告。
Article 6 The People's Bank of China shall submit a work report to the Standing Committee of the National People's Congress concerning matters relating to monetary policies and financial supervision and control.

第七條 中國人民銀行在國務院領導下依法獨立執行貨幣政策，履行職責，開展業務，不受地方政府、各級政府部門、社會團體和個人的干涉。
Article 7 The People's Bank of China shall, under the leadership of the State Council, implement monetary policies, perform its functions and carry out its business operations independently according to law and be free from intervention by local governments, government departments at various levels, public organizations or individuals.

第八條 中國人民銀行的全部資本由國家出資，屬于國家所有。
Article 8 Al capital of the People's Bank of China is invested by the State and owned by the State.

第二章 組織機構
Chapter￠??ganizational Structure

第九條 中國人民銀行設行長一人，副行長若干人。
Article 9 The People's Bank of China shall have a Governor and a certain number of Deputy Governors.

中國人民銀行行長的人選，根據國務院總理的提名，由全國人民代表大會決定；全國人民代表大會閉會期間，由全國人民代表大會常務委員會決定，由中華人民共和國主席任免。中國人民銀行副行長由國務院總理任免。
The candidate for the Governor of the People's Bank of China shall be nominated by the Premier of the State Council and decided by the National People's Congress; when the National People's Congress is not in session, the Governor shall be decided by the Standing Committee of the National People's Congress and appointed or removed by the President of the People's Republic of China. The Deputy Governors of the People's Bank of China shall be appointed or removed by the Premier of the State Council.

第十條 中國人民銀行實行行長負責制。行長領導中國人民銀行的工作，副行長協助行長工作。
Article 10 The People's Bank of China shall practise a system wherein the Governor shall assume overall responsibility. The Governor shall direct the work of The People's Bank of China, the Deputy Governors shall assist the Governor in his or her work.

第十一條 中國人民銀行設立貨幣政策委員會。貨幣政策委員會的職責、組成和工作程序，由國務院規定，報全國人民代表大會常務委員會備案。
Article 11 The people's Bank of China shall establish a monetary policy committee, whose functions, composition and working procedures shall be prescribed by the State Council and reported to the Standing Committee of the National People's Congress for the record.

第十二條 中國人民銀行根據履行職責的需要設立分支機構，作為中國人民銀行的派出機構。中國人民銀行對分支機構實行集中統一領導和管理。
Article 12 The People's Bank of China shall establish branches as its representative organs in light of the need of performing its functions and exercise centralized and unified leadership and administration with respect to its branches.

中國人民銀行的分支機構根據中國人民銀行的授權，負責本轄區的金融監督管理，承辦有關業務。
The branches of The People's Bank of China shall, as authorized by The People's Bank of China, be responsible for financial supervision and control and handling of relevant business operations in their respective districts.

第十三條 中國人民銀行的行長、副行長及其他工作人員應當恪盡職守，不得濫用職權、徇私舞弊，不得在任何金融機構、企業、基金會兼職。
Article 13 The Governor, Deputy Governors and other staff members of The People's Bank of China shall scrupulously abide by their duties; they may not abuse their power or conduct malpractice for private ends and they may not assume concurrent position in any other banking institutions, enterprises or foundations.

第十四條 中國人民銀行的行長、副行長及其他工作人員，應當依法保守國家秘密，并有責任為其監督管理的金融機構及有關當事人保守秘密。
Article 14 The Governor, Deputy Governors and other staff members of People's Bank of China shall safeguard State secrets according to law and be obligated to safeguard the secrets of the banking institutions and parties concerned under their supervision and control.

第十五條 中華人民共和國的法定貨幣是人民幣。
Article 15 The legal tender of The People's Republic of China is the Reminbi(RMB).

以人民幣支付中華人民共和國境內的一切公共的和私人的債務，任何單位和個人不得拒收。
When the Renminbi is used to repay all public or private debts within the territory of the People's Republic of China, no units or individuals may refuse to accept it.

第十六條 人民幣的單位為元，人民幣輔幣單位為角、分。
Article 16 The unit of the Renminbi is the yuan and the units of the fractional currency of the Renminbi are the jiao and the fen.

第十七條 人民幣由中國人民銀行統一印制、發行。
Article 17 The Renminbi shall be printed and issued solely by the People's Bank of China.

中國人民銀行發行新版人民幣，應當將發行時間、面額、圖案、式樣、規格予以公告。
When putting forth a new Renminbi issue, The People's Bank of China shall make known to the public the issuing date, face values, designs, patterns and specifications.

第十八條 禁止偽造、變造人民幣。
Article 18 It is prohibited to counterfeit or alter Renminbi.

禁止出售、購買偽造、變造的人民幣。
It is prohibited to sell or purchase counterfeit or altered Renminbi.

禁止運輸、持有、使用偽造、變造的人民幣。
It is prohibited to transport, hold or use counterfeit or altered Renminbi.

禁止故意毀損人民幣。
It is prohibited to deliberately destroy or damage the Renminbi.

禁止在宣傳品、出版物或者其他商品上非法使用人民幣圖樣。
It is prohibited to illegally use the patterns of Renminbi in propaganda materials, publications or other commodities.

第十九條 任何單位和個人不得印制、發售代幣票券，以代替人民幣在市場上流通。
Article 19 No units or individuals may print or sell promissory notes as substitutes for Renminbi to circulate on the market.

第二十條 殘缺、污損的人民幣，按照中國人民銀行的規定兌換，并由中國人民銀行負責收回、銷毀。
Article 20 The damaged or soiled Renminbi shall be exchanged in accordance with the regulations of The People's Bank of China, which shall also be responsible to recall and destroy such Renminbi.

第二十一條 中國人民銀行設立人民幣發行庫，在其分支機構設立分支庫。
Article 21 The People's Bank of China shall establish a Renminbi issue treasury and shall establish subsidiary issue treasuries at its branches.

分支庫調撥人民幣發行基金，應當按照上級庫的調撥命令辦理。
The subsidiary issue treasuries shall, in allocating Renminbi issue fund, act on the order of allocation from their superior treasury.

任何單位和個人不得違反規定，動用發行基金。
No units or individuals may use the issue fund in violation of regulations.

第二十二條 中國人民銀行為執行貨幣政策，可以運用下列貨幣政策工具：
Article 22 To implement monetary policies, The People's Bank of China may apply the following monetary policy instruments:

（一）要求金融機構按照規定的比例交存存款準備金；
(1)to require a banking institution to place a deposit reserve at a prescribed ratio;

（二）確定中央銀行基準利率；
(2)to fix the base interest rates for the central bank;

（三）為在中國人民銀行開立帳戶的金融機構辦理再貼現；
(3)to handle rediscount for baking Institutions that have opened accounts in The People's Bank of China;

（四）向商業銀行提供貸款；
(4)to provide loans for commercial banks;

（五）在公開市場上買賣國債和其他政府債券及外匯；
(5)to deal in State bonds and other government bonds and foreign exchange on the open market; and

（六）國務院確定的其他貨幣政策工具。
(6)other monetary policy instrument decided by the State Council.

中國人民銀行為執行貨幣政策，運用前款所列貨幣政策工具時，可以規定具體的條件和程序。
When applying the monetary policy instruments listed in the preceding paragraph to implement monetary policies, The People's Bank of China may work out specific requirements and procedures.

第二十三條 中國人民銀行依照法律、行政法規的規定經理國庫。
Article 23 The People's Bank of China shall manage the State treasury in accordance with laws and administrative rules and regulations.

第二十四條 中國人民銀行可以代理國務院財政部門向各金融機構組織發行、兌付國債和其他政府債券。
Article 24 The People's Bank of China may, on behalf of the financial department under the State Council, issue to banking institutions, and honour State bonds and other government bonds.

第二十五條 中國人民銀行可以根據需要，為金融機構開立帳戶，但不得對金融機構的帳戶透支。
Article 25 The People's Bank of China may open accounts for banking institution as needed, but may not allow them to overdraw.

第二十六條 中國人民銀行應當組織或者協助組織金融機構相互之間的清算系統，協調金融機構相互之間的清算事項，提供清算服務。具體辦法由中國人民銀行規定。
Article 26 The People's Bank of China shall organize or assist in organizing a clearing system among banking institutions, coordinate the efforts of the financial institutions in matters of clearing and provide services in this regard. The specific measures therefor shall be formulated by The People's Bank of China.

第二十七條 中國人民銀行根據執行貨幣政策的需要，可以決定對商業銀行貸款的數額、期限、利率和方式，但貸款的期限不得超過一年。
Article 27 The People's Bank of China may, as required by the implementation of monetary policies, determine the amounts, term, interest rates and forms of loans extended to commercial banks, however, the maximum term of loans shall not exceed one year.

第二十八條 中國人民銀行不得對政府財政透支，不得直接認購、包銷國債和其他政府債券。
Article 28 The People's Bank of China may not make an overdraft for the government, and may not directly subscribe or underwrite State bonds or other government bonds.

第二十九條 中國人民銀行不得向地方政府、各級政府部門提供貸款，不得向非銀行金融機構以及其他單位和個人提供貸款，但國務院決定中國人民銀行可以向特定的非銀行金融機構提供貸款的除外。
Article 29 The People's Bank of China may not provide loans to the local governments or government departments at various levels, to non-banking institutions, other units or individuals, with the exception of the specific non-banking institutions as decided by the State Council.

中國人民銀行不得向任何單位和個人提供擔保。
The People's Bank of China may not provide guaranty for any unit or individual.

第三十條 中國人民銀行依法對金融機構及其業務實施監督管理，維護金融業的合法、穩健運行。
Article 30 The People's Bank of China shall, in accordance with law, exercise supervision and control over banking institutions and their business operations to maintain the legitimate, stable and sound operation of the banking industry.

第三十一條 中國人民銀行按照規定審批金融機構的設立、變更、終止及其業務范圍。
Article 31 The People's Bank of China shall, in accordance with regulations, examine and approve the establishment, modification and termination of banking institutions, as well as the scope of their business operations.

第三十二條 中國人民銀行有權對金融機構的存款、貸款、結算、呆帳等情況隨時進行稽核、檢查監督。
Article 32 The People's Bank of China shall have the power to examine, inspect and supervise at any time the deposits, loans, settlements, bad accounts, etc. Of banking institutions.

中國人民銀行有權對金融機構違反規定提高或者降低存款利率、貸款利率的行為進行檢查監督。
The People's Bank of China shall have the power to inspect and supervise banking institutions as to whether they raise or lower the interest rates on deposits or loans in violation of regulations.

第三十三條 中國人民銀行有權要求金融機構按照規定報送資產負債表、損益表以及其他財務會計報表和資料。
Article 33 The People's Bank of China shall have the power to demand banking institutions to submit according to regulations balance sheets of their assets, statements of profit and loss and other financial and accounting reports and data.

第三十四條 中國人民銀行負責統一編制全國金融統計數據、報表，并按照國家有關規定予以公布。
Article 34 The People's Bank of China shall be responsible for compiling unified statistics and accounting statements from the national banking system and shall publish them in accordance with relevant regulations of the State.

第三十五條 中國人民銀行對國家政策性銀行的金融業務，進行指導和監督。
Article 35 The People's Bank of China shall guide and supervise the business operations of the policy-oriented banks of the State.

第三十六條 中國人民銀行應當建立、健全本系統的稽核、檢查制度，加強內部的監督管理。
Article 36 The People's Bank of China shall establish and perfect systems for its own examination and inspection and strengthen its own supervision and administration.

第六章 財務會計
Chapter￠??nancial Affairs and Accounting

第三十七條 中國人民銀行實行獨立的財務預算管理制度。
Article 37 The People's Bank of China shall exercise independent control over its financial budget.

中國人民銀行的預算經國務院財政部門審核后，納入中央預算，接受國務院財政部門的預算執行監督。
The budget of The People's Bank of China shall be incorporated in the central budget after it has been examined and verified by the financial department under the State Council and the implementation thereof shall be subject to supervision of the financial department under the State Council.

第三十八條 中國人民銀行每一會計年度的收入減除該年度支出，并按照國務院財政部門核定的比例提取總準備金后的凈利潤，全部上繳中央財政。
Article 38 The People's Bank of China shall, after withdrawing funds for its general reserve at a proportion determined by the financial department under the State Council, turn over to the State treasury the entire net profit remaining from its income in an accounting year minus its expenditures in the same period.

中國人民銀行的虧損由中央財政撥款彌補。
Losses sustained by The People's Bank of China shall be made up by appropriations from the State treasury.

第三十九條 中國人民銀行的財務收支和會計事務，應當執行法律、行政法規和國家統一的財務會計制度，接受國務院審計機關和財政部門依法分別進行的審計和監督。
Article 39 The financial receipts and payments and accounting affairs of The People's Bank of China shall be governed by laws, administrative rules and regulations and unified State financial and accounting systems and be subject to the auditing and supervision conducted, in accordance with law, separately by the audit institution and the financial department under the State Council.

第四十條 中國人民銀行應當于每一會計年度結束后的三個月內，編制資產負債表、損益表和相關的財務會計報表，并編制年度報告，按照國家有關規定予以公布。
Article 40 The People's Bank of China shall, within three months after the end of every accounting year, compile balance sheets of its assets, statements of profit and loss and relevant financial and accounting reports, prepare its annual report and publish them in accordance with relevant regulations of the State.

中國人民銀行的會計年度自公歷１月１日起至１２月３１日止。
The fiscal year of The People's Bank of China begins on the first day of January and ends on the thirty-first day of December of the Gregorian calendar.

第四十一條 偽造人民幣、出售偽造的人民幣或者明知是偽造的人民幣而運輸的，依法追究刑事責任。
Article 41 Anyone who counterfeits Renminbi or sells counterfeit Renminbi, or knowingly transports counterfeit Renminbi shall be investigated for criminal responsibility in accordance with law.

變造人民幣、出售變造的人民幣或者明知是變造的人民幣而運輸，構成犯罪的，依法追究刑事責任；情節輕微的，由公安機關處十五日以下拘留、五千元以下罰款。
Anyone who alters Renminbi or sells altered Renminbi or knowingly transports altered Renminbi, if the cases constitutes a crime, shall be investigated for criminal responsibility; if the case is not serious, he shall be put by a public security organ in detention of not more than 15 days and imposed with a fine of not more than 5,000 yuan.

第四十二條 購買偽造、變造的人民幣或者明知是偽造、變造的人民幣而持有、使用，構成犯罪的，依法追究刑事責任；情節輕微的，由公安機關處十五日以下拘留、五千元以下罰款。
Article 42 Anyone who buys counterfeit or altered Renminbi or knowingly holds or uses counterfeit or altered Renminbi, if the case constitutes a crime, shall be investigated for criminal responsibility; if the case is not serious, he shall be put by a public security organ in detention of not more than 15 days and imposed with a fine of not more than 5,000 yuan.

第四十三條 在宣傳品、出版物或者其他商品上非法使用人民幣圖樣的，中國人民銀行應當責令改正，并銷毀非法使用的人民幣圖樣，沒收違法所得，并處五萬元以下罰款。
Article 43 If anyone illegally uses the patterns of Renminbi in propaganda materials, publications or other commodities, the People's Bank of China shall order him to set it right and shall destroy the illegally used patterns of Renminbi, confiscate the illegal gains and impose a fine of not more than 50,000 yuan.

第四十四條 印制、發售代幣票券，以代替人民幣在市場上流通的，中國人民銀行應當責令停止違法行為，并處二十萬元以下罰款。
Article 44 If anyone prints or sells promissory notes as substitutes for Renminbi to circulate on the market, the People's Bank of China shall order him to cease his illegal act and impose a fine of not more than 200,000 yuan.

第四十五條 違反法律、行政法規有關金融監督管理規定的，中國人民銀行應當責令停止違法行為，并依法給予行政處罰；構成犯罪的，依法追究刑事責任。
Article 45 If anyone violates the provisions of laws or administrative rules and regulations concerning financial supervision and control, the People's Bank of China shall order him to cease his illegal act and impose on him administrative punishment in accordance with law; if the case constitutes a crime, he shall be investigated for criminal responsibility.

第四十六條 當事人對行政處罰不服的，可以依照《中華人民共和國行政訴訟法》的規定提起行政訴訟。
Article 46 If any party refuses to accept the administrative punishment, he may institute an administrative lawsuit in accordance with the Administrative Procedure Law of the People's Bank of China.

第四十七條 中國人民銀行有下列行為之一的，對負有直接責任的主管人員和其他直接責任人員，依法給予行政處分；構成犯罪的，依法追究刑事責任：
Article 47 If the People's Bank of China commits any of the following acts, the persons directly in charge and other persons directly responsible for the offense shall be subject to administrative sanctions according to law; if the case constitutes a crime, the offenders shall be investigated for criminal responsibility according to law:

（一）違反本法第二十九條第一款的規定提供貸款的；
(1)to provide a loan in violation of the provisions in the first paragraph of Article 29;

（二）對單位和個人提供擔保的；
(2)to provide guaranty for a unit or individual; or

（三）擅自動用發行基金的。
(3)to use the issue fund without authorization.

有前款所列行為之一，造成損失的，負有直接責任的主管人員和其他直接責任人員應當承擔部分或者全部賠償責任。
If any of the acts specified in the preceding paragraph results in losses, the persons directly in charge and other persons directly responsible for the offense shall be partially or wholly liable for the losses.

第四十八條 地方政府、各級政府部門、社會團體和個人強令中國人民銀行及其工作人員違反本法第二十九條的規定提供貸款或者擔保的，對負有直接責任的主管人員和其他直接責任人員，依法給予行政處分；構成犯罪的，依法追究刑事責任；造成損失的，應當承擔部分或者全部賠償責任。
Article 48 If a local government or a government department at any level, a public organization or an individual forcibly demands the People's Bank of China or its staff member to provide a loan or a guaranty in violation of the provisions in Article 29, the persons directly in charge and other persons who are directly responsible for the offense shall be subject to administrative sanctions in accordance with the law; if the case constitutes a crime, the offenders shall be investigated for criminal responsibility according to law; if losses are caused, the offenders shall be partially or wholly liable for the losses.

第四十九條 中國人民銀行的工作人員泄露國家秘密，構成犯罪的，依法追究刑事責任；情節輕微的，依法給予行政處分。
Article 49 If any staff member of the People's Bank of China divulges State secrets and if the case constitutes a crime, he shall be investigated for criminal responsibility according to law; if the case is not serious, he shall be subject to administrative sanction according to law.

第五十條 中國人民銀行的工作人員貪污受賄、徇私舞弊、濫用職權、玩忽職守，構成犯罪的，依法追究刑事責任；情節輕微的，依法給予行政處分。
Article 50 If any staff member of the People's Bank of China commits embezzlement, accepts bribes, conducts malpractices for personal ends, abuses his power or neglects his duty and if the case constitutes a crime, he shall be investigated for criminal responsibility according to law; if the case is not serious, he shall be subject to administrative sanction according to law.

第五十一條 本法自公布之日起施行。
Article 51 This Law shall be effective on the date of promulgation.