中英对照 国家金融监督管理总局行政处罚裁量权实施办法2024.docx

MeasuresoftheNationalFinancialRegulatoryAdministrationfortheExerciseofDiscretionover/AdministrativePenaltiesDocumentNumber：OrderNo.52024oftheNationalFinancialRegulatoryAdministrationAreaof1.awAdministrativePenallyandAdministrativeReconsideration1.evelofAuthority：DepartmentalRulesIssuingAuthority：NationalFinancialRegulatoryAdministrationDateIssued：03-27-2024EffectiveDate:05-01-2024Status：NolYelEffectiveMeasuresoftheNationalFinancialRegulatoryAdministrationfortheExerciseofDiscretionoverAdministrativePenalties(IssuedbyOrderNo.52024oftheNationalFinancialRegulatoryAdministrationonMarch27,2024,comingintoforceonMay1,2024)Chapter I GeneralProvisionsArticle1TheseMeasuresaredevelopedinaccordancewiththeAdministrativePenalty1.awofthePeople'sRepublicofChina,theBankingSupervision1.awofthePeople'sRepublicofChina,the1.awofthePeople'sRepublicofChinaonCommercialBanks,theInsurance1.awofthePeople'sRepublicofChina,andotherrelevantlawsforthepurposesofregulatingtheexerciseofdiscretionoveradministrativepenaltiesbytheNationalFinancialRegulatoryAdministration("NFRA")anditslocaloffices,maintainingthemarketorderofbankingandinsuranceindustries,andprotectingthelawfulrightsandinterestsoftheoppositepartiesinadministration.国家金融监督管理总局行政处罚裁量权实施办法（2024年3月27日国家金融监督管理总局令2024年第5号公布自2024年5月1日起施行）第一章总则第一条为规范国家金融监督管理总局及其派出机构行政处罚裁量权，维护银行业保险业市场秩序，保护行政相对人合法权益，根据中华人民共和国行政处罚法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中华人民共和国保险法等相关法律，制定本办法。Article2ForthepurposesoftheseMeasures,tfcdiscretionoveradministrativepenalties,'meanstheauthorityoftheNFRAanditslocalofficestodecidewhethertoimposeanadministrativepenaltyandthetypeandextentoftheadministrativepenaltybycomprehensivelyconsideringthefacts,nature,circumstances,harmfulconsequencesofanillegalact,subjectivefault,andotherfactorsinaccordancewithlaws,administrativeregulations,andbankingandinsuranceregulatoryprovisions.Whereabankingorinsuranceinstitution,anyotherentityorindividual(*ttheparty")violatesanylaw,administrativeregulation,orbankingandinsuranceregulatoryprovision,andtheNFRAoritslocalofficeimposesanadministrativepenaltyinaccordancewiththelaw,itshallexercisethediscretionoveradministrativepenaltiesinaccordancewiththeseMeasures,exceptasOtherWiSeprescribedbylaw,administrativeregulation,ortheNFRA.Article3Whethertoimposeanadministrativepenaltyandthetypeandextentofdiscretionoveradministrativepenaltiesshallbeproportionaltothefacts,nature,circumstances,harmfulconsequences,andthedegreeofsubjectivefaultofanillegalact.Article4Thediscretionoveradministrativepenaltiesshallbeexercisedinstrictcompliancewithstatutoryprocedures,andifanadministrativepenaltyistobeimposedagainstacomplicatedormajorillegalact,thedecisionshallbemadebythepersoninchargeoftheNFRAoritslocalofficeupon第二条本办法所称行政处罚裁量权，是指国家金融监督管理总局及其派出机构在实施行政处罚时，根据法律、行政法规和银行保险监管规定，综合考虑违法行为的事实、性质、情节、危害后果以及主观过错等因素，决定是否给予行政处罚、给予行政处罚种类及处罚幅度的权限。银行保险机构、其他单位和个人（以下简称当事人）违反法律、行政法规和银行保险监管规定，国家金融监督管理总局及其派出机构依法给予行政处罚的，按照本办法行使行政处罚裁量权。法律、行政法规、国家金融监督管理总局另有规定的除外。第三条是否给予行政处罚、行政处罚裁量的种类和幅度，应当与违法行为事实、性质、情节、危害后果以及主观过错程度相匹配。第四条行使处罚裁量权，应当严格遵守法定程序，对情节复杂或者重大违法行为给予行政处罚的，国家金融监督管理总局或者派出机构负责人应当集体讨论决定。未经法定程序，任何单位或者个人不得擅自作出或者变更行政处罚决定。collectivediscussion.Noentityorindividualmaymakeormodifyanyadministrativepenaltydecisionwithoutundergoingstatutoryprocedures.第五条实施行政处罚，适用违法行为发生时的法律、行政法规、银行保险监管规定。但是，作出行政处罚决定时，法律、行政法规及相关监管规定已被修改或者废止，且新的规定处罚较轻或者不认为是违法的，适用新的规定。第六条两个以上当事人共同实施违法行为的，应当区分其在共同违法行为中所起的主次作用，分别实施相应的行政处罚。Article5Thelaws,administrativeregulations,andbankingandinsuranceregulatoryprovisionsapplicableatthetimewhentheillegalactoccursshallapplytotheimpositionofadministrativepenalties.However,whenanadministrativepenaltydecisionismade,ifanylaw,administrativeregulation,orrelevantregulatoryprovisionshavebeenamendedorrepealed,andalighterpenaltyshallbegivenoranactisnotdeemedillegalinaccordancewiththenewprovisions,thenewprovisionsshallapply.Article6Wheretwoormorepartiesjointlycommitanillegalact,thePrimaryandsecondarj,rolesthattheyplayinthejointillegalactshallbedistinguished,andcorrespondingadministrativepenaltiesshallbeimposedseparately.第七条根据法律、行政法规、银行保险监管规定，对于逾期不改正才予以行政处罚的，应当先责令当事人限期改正，逾期不改正的，依法予以行政处罚。限期改正应明确合理的改正时间。Article7Whereitisprescribedinanylaw,administrativeregulation,orbankingandinsuranceregulatoryprovisionthatanadministrativepenaltyshallbeimposedonlyifnocorrectiveactionismadewithinaprescribedtimelimit,thepartyshallbefirstlyorderedtotakecorrectiveactionwithinaprescribedtimelimit;andifnocorrectiveactionismadewithintheprescribedtimelimit,anadministrativepenaltyshallbeimposedinaccordancewiththelaw.Areasonabletimelimitfortakingcorrectiveactionshallbespecified.Article8Wheretheillegalactcommittedbyapartyis第八条当事人违法行为涉嫌犯罪的，应当依照有关规定及时移送司法机关或者纪检监察机关，依法追究刑事责任，不得以行政处罚代替刑事处罚。违法行为构成犯罪，人民法院已经判处罚金时，行政机关尚未给予当事人罚款的，不再给予罚款。第九条违法行为在二年内未被发现的，不再给予行政处罚：涉及金融安全且有危害后果的，上述期限延长至五年。法律另有规定的除外。前款规定的期限，从违法行为发生之日起计算；违法行为有连续或者继续状态的，从行为终了之日起计算。违法行为的连续状态，指基于同一个违法故意，连续实施数个独立的违法行为，并违反同一个监管规定的情形。违法行为的继续状态，是指一个违法行为实施后，其行为的违法状态仍处于延续之中。suspectedofconstitutingacrime,thepartyshallbetransferredtothejudicialorganordisciplinaryinspectionandsupervisionorganinatimelymannerinaccordancewiththerelevantprovisionsandbeheldcriminallyliableinaccordancewiththelaw,andacriminalpunishmentshallnotbeexemptedduetotheimpositionofanadministrativepenalty.Ifanillegalactconstitutesacrime,forwhichafinehasbeenimposedbyapeople'scourtbuttheadministrativeorganhasnotimposedafineontheparty,thepartyshallnotbefinedonceagain.Article9Noadministrativepenaltymaybeimposedifanillegalactisnotdiscoveredwithintwoyearsafteritiscommitted.Iffinancialsecurityisinvolvedandharmfulconsequencesarecaused,theaforesaidtimelimitshallbeextendedtofiveyears,exceptasotherwiseprescribedbyanylaw.Thetimelimitspecifiedintheprecedingparagraphshallbecalculatedfromthedatewhentheillegalactiscommitted;andiftheillegalactisofacontinuousorcontinualnature,itshallbecalculatedfromthedatewhentheactterminates.“Thecontinuousstatusofanillegalacf,meansthecircumstancewhereseveralindependentillegalactsarecommittedcontinuouslyinviolationofIhesameregulatoryprovisionsbasedonthesameintentionofcommittingillegalacts.“Thecontinuanceofanillegalact“meansthecontinuanceofanillegalactafteritiscommitted.Chapter II 1.evelsandApplicableCircumstancesofDiscretion第二章裁量阶次与适用情形Article 10 lmposingamitigatedpenaltyinaccordancewiththelaw“meansimposingapenaltybelowthetypesandrangeofpenaltyprescribedbylaws,administrativeregulations,andrules,exceptthatawarning,circulationofanoticeofcriticism,andconfiscationofillegalincomeshallapply.Ifthemaximumamount,insteadoftheminimumamount,ofafinei$specified,thereducedfineshallnotapply.Article 11 "Imposingalighterpenaltyinaccordancewiththelaw“meanstheapplicationofalighterpenaltywithinthetypesandrangeofpenaltiesprescribedbylaws,administrativeregulations,andrules,exceptthatawarning,circulationofanoticeofcriticism,andconfiscationofillegalincomeshallapply.Article 12 "Imposingaheavierpenaltyinaccordancewiththelaw,meanstheapplicationofaheavierpenaltywithinthetypesandrangeofpenaltiesprescribedbylaws,administrativeregulations,andrules,exceptthatawarning,circulationofanoticeofcriticism,andconfiscationofillegalincomeshallapply-Article 13 Underanyofthefollowingcircumstances,nopenaltyshallbeimposedinaccordancewiththelaw:第十条依法减轻处罚，是指在法律、行政法规和规章规定的处罚种类及其幅度以下进行处罚，但适用警告、通报批评和没收违法所得的除外。没有规定最低罚款金额只规定最高罚款金额的，不适用减轻罚款。第H一条依法从轻处罚，是指在法律、行政法规和规章规定的处罚种类及其幅度内，适用较轻的处罚，但适用警告、通报批评和没收违法所得的除外。第十二条依法从重处罚，是指在法律、行政法规和规章规定的处罚种类及其幅度内，适用较重的处罚，但适用警告、通报批评和没收违法所得的除外。第十三条有下列情形之一的，依法不予处罚:(1) Theillegalactisminorandcorrectedinatimelymanner（一）违法行为轻微并及时改正，没有造成危害后果的;withoutcausingharmfulconsequences.(2) Thepartyhassufficientevidencetoprovethatitorhedoesnothaveanysubjectivefault.Ifitisotherwiseprescribedinanylaworadministrativeregulation,suchprovisionsshallprevail.(3) Thestatutorylimitationforimposingapenaltyagainsttheillegalacthasexpired.(4) Anyothercircumstanceunderwhichnoadministrativepenaltyshallbeimposedasprescribedbyanylaworadministrativeregulation.Aviolatorthatviolatesthelawforthefirsttime,causingminorharmfulconsequences,andhastakencorrectiveactioninatimelymannermaybeexemptedfromadministrativepenalty.Ifnoadministrativepenaltymaybeimposedinaccordancewiththelaw,thepartyshallbeeducated.Article 14 Amitigatedpenaltyshallbeimposedonthepartyinaccordancewiththelawiftheparty:(1) isseriouslycoercedorinducedbyothersintocommittinganillegalact;(2) hasmeritoriousperformanceincooperationwiththeNFRAoritslocalofficeininvestigatingandpunishinganillegalact;（二）当事人有证据足以证明没有主观过错的，法律、行政法规另有规定的，从其规定：（三）违法行为已超出法定处罚时效的:（四）法律、行政法规规定的其他不予行政处罚的情形。初次违法且危害后果轻微并及时改正的，可以不予处罚。依法不予行政处罚的，应当对当事人进行教育。第十四条当事人有下列情形之一的，应当依法减轻处罚：（一）受他人严重胁迫或者严重诱骗实施违法行为的：（二）配合国家金融监督管理总局及其派出机构查处违法行为有重大立功表现的；(3) takestheinitiativetoconfesstheillegalactthathasnotbeenknowntotheregulatoryauthoritybeforetheinspectioncarriedoutbytheNFRAoritslocaloffice;(4) takestheinitiativetoeliminateormitigatetheharmfulconsequencesoftheillegalactbeforetheinspectioncarriedoutbytheNFRAoritslocaloffice;(5) takestheinitiativetomakearefundorcompensationandeliminatestheharmfulconsequencesoftheillegalact;or(6) shallbesubjecttoamitigatedpenaltyinaccordancewiththelawasprescribedbyanylaw,administrativeregulation,orrule.Article 15 Alighterpenaltyshallbeimposedonthepartyinaccordancewiththelawiftheparty:(1) iscoercedorinducedbyothersintocommittinganillegalact;(2) hasmeritoriousperformanceincooperationwiththeNFRAoritslocalofficeininvestigatingandpunishinganillegalact;(3) takestheinitiativetoconfesstheillegalactthathasnotbeenknowntotheregulatoryauthoritybeforetheinspectioncarriedoutbytheNFRAoritslocaloffice;(4) takestheinitiativetoeliminateormitigatetheharmfulconsequencesoftheillegalactbeforetheinspectioncarried（三）在国家金融监督管理总局及其派出机构检查前主动供述监管尚未掌握的违法行为的；（M）在国家金融监督管理总局及其派出机构检查前主动消除或者减轻违法行为危害后果的；（五）当事人主动退赔，消除违法行为危害后果的；（六）法律、行政法规、规章规定其他依法减轻处罚的。第十五条当事人有下列情形之一的，应当依法从轻处罚：（一）受他人胁迫或者诱骗实施违法行为的；（二）配合国家金融监督管理总局及其派出机构查处违法行为有立功表现的；（三）在国家金融监督管理总局及其派出机构检查结束前主动供述监管尚未掌握的违法行为的；（四）在国家金融监督管理总局及其派出机构检查结束前主动消除或者减轻违法行为危害后果的；outbytheNFRAoritslocaloffice;的;(5) takestheinitiativetomakearefundorcompensationandeliminatestheharmfulconsequencesoftheillegalact;or(6) shallbesubjecttoalighterpenaltyinaccordancewiththelawasprescribedbyanylaw,administrativeregulation,orrule.Iftheillegalactisminor,thesubjectivefaultisminor,theamountinvolvedisevidentlyloworthefrequencyofoccurrenceisevidentlylowandharmfulconsequencesareminor,alighterpenaltymaybeimposed.Whoeverplaysasecondaryroleinajointillegalactmaybesubjecttoalighterpenalty.Article 16 Underanyofthefollowingcircumstances,aheavierpenaltyshallbeimposedinaccordancewiththelaw:(1) Seriouslyviolatingtherulesforprudentialoperation,whichhascausedormaycauseanycaseormajorriskevent.(2) Seriouslyviolatingtheprovisionsonfairmarketcompetition,whichaffectsthestabilityofthenancialmarketorder.(3) Seriouslyinfringingupontherightsandinterestsofconsumers,whichattractshighpublicconcernandcausesadverseeffects.（五）当事人主动退赔，减轻违法行为危害后果的;（六）法律、行政法规、规章规定其他依法从轻处罚的。违法行为轻微，主观过错较小，或者涉案金额明显较低或发生次数明显较少，且危害后果轻微的，可以从轻处罚。在共同违法行为中起次要作用的，可以从轻处罚。第十六条有下列情形之一的，应当依法从重处罚：（一）严重违反审慎经营规则，已经造成或者可能造成案件或者重大风险事件的；（二）严重违反市场公平竞争规定，影响金融市场秩序稳定的；（三）严重侵害消费者权益，社会关注度高、影响恶劣(4) Failingtocooperateinregulatorylawenforcementinaccordancewiththelaw.(5) ThesameliablepartycommitsthesametypeOfillegalactsagaininviolationofthesamequalitativebasiswithinfiveyearsafterthepartywassubjecttoadministrativepenaltybytheNFRAoritslocalofficeorwasorderedtotakecorrectiveaction.(6) Theinternalcontroloftheinstitutionisseriouslydeficientorineffective,ortheillegalactaffectsawiderange,hasagreatimpact,orhasuniversalandgroupingcharacteristics.(7) Theillegalacthasbeencommittedmanytimesandlastsforalongtime,andtheamountinvolvedislargeortheproportionofillegalbusinessisrelativelylarge.(8) Inducing,instigating,orforcingotherstoviolatethelaworassumelegalliabilityonbehalfoftheoffender.(9) Retaliatingagainstanyinformer,witness,inspector,orotherregulator.(10) Anyothercircumstanceofaviciousnature,seriousness,orgreatsocialharm.Article 17 Amoderatepenaltyshallbeimposedinaccordancewiththelawifthereisnocircumstanceunder（四）不依法配合监管执法的；（五）同一责任主体受到国家金融监督管理总局及其派出机构行政处罚或者被责令改正后五年内，再次实施违反同一定性依据的同一类违法行为的：（六）机构内控严重缺失或者严重失效，违法行为涉及面广，影响程度大或者具有普遍性、群体性特征的；（七）多次实施违法行为，违法行为持续时间长，涉案金额大或者违法业务占比较大的：（八）诱骗、指使或者胁迫他人违法或者代为承担法律责任的；（九）对举报人、证人、检查人员或者其他监管工作人员进行打击报复的；（十）性质恶劣、情节严重，社会危害性较大的其他情形。第十七条除依法不予行政处罚外，不存在本办法whichamitigated,lighter,orheavierpenaltyshallbeimposed规定的减轻、从轻或者从重处罚情形的，依法适中处罚。inaccordancewiththelaw,unlessnoadministrativepenaltyisimposedinaccordancewiththelaw.Article 18 Whereapartyfallsunderacircumstancewherealighter,mitigated,orheavierpenaltyshallbeimposedatthesametime,thefinaldiscretionarylevelmaybedeterminedaccordingtothespecificcircumstancesofthecase,thelocallawenforcementpractice,andthelevelofeconomicandsocialdevelopment,andwithreasonableconsiderationtotheleveloftheinstitution,marketsize,theproportionofillegalbusiness,theamountinvolved,andotherfactors.Article 19 Whileimposinganadministrativepenaltyonabankingorinsuranceinstitution,ifanadministrativepenaltyshallbeimposedontherelevantliablepersoninaccordancewithanylaw,administrativeregulation,orrule,theliablepersonshallbepunishedinaccordancewiththelaw,andmaynotsimplytakethefactthatheorshehasbeenheldaccountableinsidetheinstitutionasthegroundsforimposingalighterormitigatedpenaltyornotimposingapenalty.Article 20 Aliablepersonshallbedeterminedbycomprehensivelyreviewingtheparty'spostduties,performanceofduties,correlationwiththeillegalact,harmfulconsequencesoftheillegalac1.whethertheillegalactisopposedorstopped,whethertheillegalactiscorrected,andotherfactors.Ifseveralliablepersonsarepunishedforthesamematter,primaryandsecondaryliabilitiesshallbedistinguished,the第十八条当事人同时存在从轻或者减轻、从重处罚等情形的，可以根据案件具体情况，结合当地执法实践、经济社会发展水平，合理考虑机构层级、市场规模、违法业务占比、涉案金额等其他因素，确定最终裁量阶次。第十九条给予银行保险机构行政处罚的同时.,根据法律、行政法规、规章规定应当对相关责任人行政处罚的，应当依法处罚责任人，不得仅以机构内部问责作为从轻、减轻或者不予处罚的理由。第二十条责任人认定应当综合考察当事人为位职责及履职情况、与违法行为的关联性、违法行为危害后果、制止或者反对违法行为实施情况、对违法行为予以纠正情况等因素。同一事项处罚多名责任人员时，应当区分责任主次，对直接负责或者对违法行为发挥决定性作用的管理人员应当依managerswhoaredirectlyliableandplayadecisiveroleintheillegalactshallbegivenaheavierpenaltythanotherliablepersonssuchasordinarystaffmembersinaccordancewiththelaw.Indeterminingtheliabilityofaliableperson,circumstancessuchasnotdirectlyengaginginbusinessmanagementactivities,insufficientability,lackofrelevantprofessionalbackground,orbeingcontrolledbytheshareholderoractualcontrollerorotherexternalinterventionshallnotbetakenasthegroundsforexemptionfrompenalty.ChapterIIIFineandConfiscationofIllegalIncomeArticle 21 Wheretheamountofafinefallswithinacertainrange,thefinemaybedividedintoalighterfine,moderatefine,orheavierfinewithinthecorrespondingrange.Article 22 Inprinciple,therangeoffinesinthebankingindustryshallbedeterminedaccordingtothefollowingstandards:(1) Iftheamountofastatutoryfinerangesfrom50,000yuanto500,000yuan,theamou