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

This Guidelines stipulate the risk management requirements for commercial banks in expanding their businesses in the area of personal financial management advisory services, comprehensive financial management services and personal financial management business products.

(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

第一章 总则

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。

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