第二十一条 中国人民银行设立人民币发行库，在其分支机构设立分支库。

 

Article 21 The People's Bank of China shall establish a Renminbi issue treasury¹ and shall establish subsidiary issue treasuries² at its branches.

 

分支库调拨人民币发行基金，应当按照上级库的调拨命令办理。

 

The subsidiary issue treasuries shall, in allocating³ Renminbi issue fund, act on the order of allocation from their superior treasury.

 

任何单位和个人不得违反规定，动用发行基金。

 

No units or individuals may use the issue fund in violation⁴ of regulations.

 

第二十二条 中国人民银行为执行货币政策，可以运用下列货币政策工具：

 

Article 22 To implement⁵ monetary⁶ policies, The People's Bank of China may apply the following monetary policy instruments:

 

（一）要求金融机构按照规定的比例交存存款准备金；

 

(1)to require a banking⁷ institution to place a deposit reserve at a prescribed ratio;

 

（二）确定中央银行基准利率；

 

(2)to fix the base interest rates for the central bank;

 

（三）为在中国人民银行开立帐户的金融机构办理再贴现；

 

(3)to handle rediscount for baking Institutions that have opened accounts in The People's Bank of China;

 

（四）向商业银行提供贷款；

 

(4)to provide loans for commercial banks;

 

（五）在公开市场上买卖国债和其他政府债券及外汇；

 

(5)to deal in State bonds and other government bonds and foreign exchange on the open market; and

 

（六）国务院确定的其他货币政策工具。

 

(6)other monetary policy instrument decided⁸ by the State Council.

 

中国人民银行为执行货币政策，运用前款所列货币政策工具时，可以规定具体的条件和程序。

 

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.

 

第二十三条 中国人民银行依照法律、行政法规的规定经理国库。

 

Article 23 The People's Bank of China shall manage the State treasury in accordance with laws and administrative⁹ rules and regulations.

 

第二十四条 中国人民银行可以代理国务院财政部门向各金融机构组织发行、兑付国债和其他政府债券。

 

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.

 

第二十五条 中国人民银行可以根据需要，为金融机构开立帐户，但不得对金融机构的帐户透支。

 

Article 25 The People's Bank of China may open accounts for banking institution as needed, but may not allow them to overdraw¹⁰.

 

第二十六条 中国人民银行应当组织或者协助组织金融机构相互之间的清算系统，协调金融机构相互之间的清算事项，提供清算服务。具体办法由中国人民银行规定。

 

Article 26 The People's Bank of China shall organize or assist in organizing a clearing system among banking institutions, coordinate¹¹ the efforts of the financial institutions in matters of clearing and provide services in this regard. The specific measures therefor shall be formulated¹² by The People's Bank of China.

 

第二十七条 中国人民银行根据执行货币政策的需要，可以决定对商业银行贷款的数额、期限、利率和方式，但贷款的期限不得超过一年。

 

Article 27 The People's Bank of China may, as required by the implementation¹³ 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.

 

第二十八条 中国人民银行不得对政府财政透支，不得直接认购、包销国债和其他政府债券。

 

Article 28 The People's Bank of China may not make an overdraft¹⁴ for the government, and may not directly subscribe¹⁵ or underwrite State bonds or other government bonds.

 

第二十九条 中国人民银行不得向地方政府、各级政府部门提供贷款，不得向非银行金融机构以及其他单位和个人提供贷款，但国务院决定中国人民银行可以向特定的非银行金融机构提供贷款的除外。

 

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.

 

中国人民银行不得向任何单位和个人提供担保。

 

The People's Bank of China may not provide guaranty for any unit or individual.

 

第三十条 中国人民银行依法对金融机构及其业务实施监督管理，维护金融业的合法、稳健运行。

 

Article 30 The People's Bank of China shall, in accordance with law, exercise supervision¹⁶ and control over banking institutions and their business operations to maintain the legitimate¹⁷, stable and sound operation of the banking industry.

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