Self-Regulation

I. Organize signing of self-regulation agreements and implementation rules, establish a review and disclosure system on implementation of the agreements, deal with complaints from both members and the public, and take self-regulatory measures to urge regulated operations by members and safeguard a fair market environment for competition;
II. Establish an industry standard in accordance with the Articles and regulations, promote and review implementation, and enhance industry services;
III. Foster a faith system in the banking industry and a credit information system of banking institutions and employees to strengthen credit review and assist in construction of a credit system in banking industry;
IV. Set up codes of conduct and ethics, carry out self-regulatory administration on banking employees, and organize certification examinations and training sessions for banking employees in order to enhance the overall quality of employees.
V. Impose self-regulatory penalties on members that harm the industry¡¯s interests by violating CBA Articles, self-regulatory agreements or other regulations, and report to CBRC promptly.
VI. Report complaint promptly to CBRC about violations of laws or regulations by financial institutions or employees , and carry out investigation and settlement of complaints transferred from CBRC.

Rights Protection

I. Set up rights-protection agreements, and take various measures, including regional credit environment grading, publishing lists of customers of good and bad faith and joint penalty, to prevent tortious deeds and safeguard the legal interests of the banking industry;
II. Take part in the decision making procedures concerning reforms and development of the banking industry and make suggestions on relevant policies, legislations and industry planning, etc;
III. Report to CBRC problems hindering reforms and the development of the banking industry, initiate communication with relevant organs and try to foster a favorable external environment for industry development;
IV. Organize rights protection surveys among members,immediately indicate possible risks to members, and urge them to strengthen rights protection and risk management.

Reconciliation

I. Authorized by members, reconcile relationship between members and government, and assist CBRC in implementing relevant policies and measures;
II. Reconcile relationship among members, foster a settlement system for disputes within the industry to fairly solve various disputes and foster a favorable internal environment;
III. Reconcile relationship between members and the public, strengthen communication between members and the public, and safeguard the legal interests of members and their clients;
IV. Strengthen communications between members and the press, set up a system to handle news reports on urgent issues, promptly steer public opinions and safeguard reputation of the banking industry.

Services

I. Set up a network system among members, organize communication and cooperation in areas including expertise, techniques and information, and provide information services to members;
II. Initiate and maintain communications and cooperation with overseas banking institutions and banking/bankers/bank associations;
III. Strengthen communication and reconciliation with trade associations in securities and insurance industries;
IV. Tap overall information dissemination function of the whole industry, organize members to carry out promotion and inquiries on new businesses and policies, enhance publicity of financial knowledge and enhance financial awareness of the public;
V. Organize professional competitions to strengthen understanding and communications among members and foster a healthy industry culture.