Article 1
Article 2 The social insurance funds mentioned in these Measures refer to the funds established according to the relevant laws and regulations of the state, province and our city on social insurance, including basic endowment insurance funds, basic medical insurance funds, work injury insurance funds, unemployment insurance funds and maternity insurance funds.
the term "time deposit bank of social insurance funds" as mentioned in these measures refers to a commercial bank that has obtained the qualification for time deposit of social insurance funds through bidding in accordance with the provisions of these measures.
the term "commercial banks" as mentioned in these measures refers to state-owned commercial banks, joint-stock commercial banks, city commercial banks and rural commercial banks that set up branches and above in our city.
chapter ii departmental responsibilities
article 3 the main responsibilities of the municipal finance bureau in the management of deposit banks are:
(1) organizing the formulation of relevant system provisions for the management of deposit banks;
(2) Take the lead in formulating the bidding scheme for deposit banks and determining the deposit banks;
(3) Take the lead in formulating the plan of time deposit fund sharing of social security funds and organizing the fund sharing of social security funds;
(4) Take the lead in supervising and managing the deposit banks;
(5) Management of other deposit banks.
Article 4 The main responsibilities of the Municipal Human Resources Security Bureau and the Municipal Medical Insurance Bureau in the management of deposit banks are as follows:
(1) To cooperate with the formulation of relevant regulations on the management of deposit banks;
(2) cooperate with the formulation of the tender plan for the deposit bank and determine the deposit bank;
(3) Cooperate to complete the time deposit fund sharing of social security funds;
(4) according to the income and expenditure management of social security funds and relevant policy requirements, put forward opinions on the term deposit of social security funds;
(5) to cooperate with the supervision and management of deposit banks;
(6) Management of other deposit banks.
Article 5 The main duties of the deposit bank are:
(1) to ensure the safety and integrity of the social security fund deposit;
(2) consciously accept the supervision and management of relevant departments;
(3) strictly implement the relevant provisions of the service agreement;
(4) Cooperate to complete other related work of fund sharing of social security funds.
chapter iii determination of deposit qualification of commercial banks
article 6 the municipal finance bureau selects deposit banks through public bidding. The Municipal Finance Bureau shall, jointly with the Municipal Human Resources and Social Security Bureau and the Municipal Medical Insurance Bureau, determine the number of deposit banks according to the capital scale of the social security fund and relevant regulatory requirements, and formulate the bidding scheme for deposit banks.
Article 7 To participate in bidding, a commercial bank shall meet the following basic conditions:
(1) It shall comply with the relevant provisions of laws and regulations on deposit banks;
(2) meeting the regulatory requirements of the People's Bank of China and the Insurance Regulatory Commission of the Bank of China;
(3) conducting business activities according to law, having a sound internal management mechanism and strong risk control ability. In the past three years, there has been no financial risk or major breach of contract, no record of major violations of laws and regulations, and its reputation is good.
article 8 the municipal finance bureau, in conjunction with the municipal human resources and social security bureau and the municipal medical insurance bureau, will set up a selection Committee, which will determine the deposit bank through public bidding and comprehensive evaluation.
when choosing a deposit bank, we should comprehensively evaluate the bank's operating conditions, service capacity, service quality, pledge preservation measures and contribution to Shenzhen's economic development, and set relevant evaluation indicators in combination with banking regulatory standards, in which the weight of operating conditions indicators is not less than 4%. The bank's operating conditions mainly include bank capital adequacy ratio, non-performing loan ratio and other indicators, and its contribution to Shenzhen's economic development mainly includes the bank's contribution to tax payment in Shenzhen and whether its headquarters is in Shenzhen.
Article 9 The Municipal Finance Bureau shall, within 15 working days after the end of bidding, announce the winning bid through the official website of the Municipal Finance Bureau.
article 1 the municipal finance bureau shall sign a service agreement with the deposit bank to clarify the rights and obligations of both parties.
Chapter IV Allocation of Depository Bank Funds
Article 11 The Municipal Finance Bureau, together with the Municipal Human Resources and Social Security Bureau and the Municipal Medical Insurance Bureau, comprehensively consider the operating conditions of the Depository Bank, its contribution and support to Shenzhen, interest rate quotation and other factors to formulate scoring rules, and the scoring rules shall be specified in the service agreement.
the municipal finance bureau shall, jointly with the municipal human resources security bureau and the municipal medical insurance bureau, determine the storage scale and storage period of social security fund funds, and the municipal finance bureau shall determine the distribution of social security fund funds according to the scoring rules.
Article 12 In order to ensure the safety of funds, the total amount of time deposit funds deposited in banks shall be controlled:
(1) The single-term deposit amount of each bank shall not exceed 25% of the total amount that can be deposited in the current period;
(2) The balance of time deposits divided by each bank shall not exceed 2% of the balance of general deposits (including interbank deposits) of the bank in Shenzhen;
(3) The balance of time deposits shared by banks shall not exceed 2% of the balance of time deposits of social security funds in our city.
the municipal finance bureau, together with the municipal human resources security bureau and the municipal medical insurance bureau, require the deposit banks to provide bonds as collateral according to a certain proportion according to the requirements of national policies or risk management, and the banks should provide sufficient and effective bonds to ensure the safety of time deposits of social security funds.
Article 13 After the time deposit expires, the funds shall be re-allocated according to these Measures.
Article 14 Under any of the following circumstances, the deposit bank will be suspended from adding new time deposits:
(1) Among the indicators of "risk management", "operational control", "asset quality" and "compliance" provided by Shenzhen Supervision Bureau of Bank of China Insurance Regulatory Commission, one of the rating results is below Grade 4 (including Grade 4);
(2) The index rating result of "Comprehensive Evaluation of Banking Institutions in Shenzhen" provided by Shenzhen Central Sub-branch of China People's Bank is below Grade C;
(3) The quoted deposit interest rate does not meet the requirements of the initial deposit interest rate;
(4) other acts that have a great impact on the safety of social security funds as determined by the Municipal Finance Bureau, the Municipal Human Resources Security Bureau and the Municipal Medical Insurance Bureau.
Chapter V Cancellation of Depository Bank Qualification
Article 15 If a depository bank commits any of the following acts, the Municipal Finance Bureau, together with the Municipal Human Resources and Social Security Bureau and the Municipal Medical Insurance Bureau, shall revoke the qualification of the depository bank recognized in this tender:
(1) The due principal and interest have not been remitted twice (including twice) in time, or the single amount exceeds 1% of the time deposit balance of the social security fund of the bank;
(2) There are acts of fraud and concealment of facts in the bidding process for deposit bank qualification;
(3) Failing to perform corresponding obligations according to the service agreement and causing serious consequences;
(4) Failing to make a deposit at the quoted deposit rate and failing to correct it;
(5) other acts that have a significant impact on the management of social security funds as determined by the Municipal Finance Bureau, the Municipal Human Resources Security Bureau and the Municipal Medical Insurance Bureau.
In which, if a bank commits the first, third, fourth and fifth acts mentioned above, it shall not participate in the bidding for the qualification of deposit bank within 3 years from the date of revocation; If a bank commits the acts mentioned in the second paragraph above, it shall not participate in the bidding for deposit bank qualification within 6 years from the date of revocation.
Chapter VI Supplementary Provisions
Article 16 Shenzhen Social Insurance Supervision Committee and relevant departments shall supervise the management of deposit banks according to law.
article 17 these measures shall come into force on September 17, 22, with a validity period of 5 years. The original Measures for the Administration of Time Deposit Participating Banks of Shenzhen Social Insurance Fund (SZ [217] No.4) and the Measures for the Evaluation and Incentive of Time Deposit Participating Banks of Shenzhen Social Insurance Fund (SZ [217] No.5) shall be abolished at the same time. [2]
The notice issued is edited and broadcast
All relevant units:
In order to further optimize the deposit rules of social insurance funds in our city and standardize the management of time deposit banks of social insurance funds in our city, with the approval of the municipal government, we revised the Measures for the Administration of Time Deposit Banks of Social Insurance Funds in Shenzhen, which are hereby issued, please follow them. [3]
Shenzhen Human Resources and Social Security Bureau of Shenzhen Municipal Finance Bureau
Shenzhen Medical Security Bureau
September 7, 22
Administrative Measures for Time Deposit of Shenzhen Social Insurance Fund (hereinafter referred to as "Administrative Measures") was jointly issued by Shenzhen Municipal Finance Bureau, Shenzhen Human Resources and Social Security Bureau and Shenzhen Medical Security Bureau since 22. The interpretation of relevant policies is as follows:
1. Revision background
In 217, with the approval of the municipal government, the Municipal Finance Bureau and the Municipal Human Resources and Security Bureau jointly issued the Administrative Measures for Time Deposit Participating Banks of Social Insurance Funds in Shenzhen (Shen Cai Gui [217] No.4, hereinafter referred to as the original Administrative Measures) and the Evaluation and Incentive Measures for Time Deposit Participating Banks of Social Insurance Funds in Shenzhen (Shen Cai Gui)
The original Administrative Measures and Evaluation and Incentive Measures have played a positive role in standardizing the selection and management of time deposit banks of social security funds in our city and improving the income of social security funds. However, with the adjustment of relevant functions after institutional reform and the latest requirements of the Ministry of Finance on fund deposit management, according to the spirit of the relevant instructions of the municipal government, the Municipal Finance Bureau, together with the Municipal Human Resources and Social Security Bureau and the Municipal Medical Insurance Bureau, revised the original Administrative Measures and the Evaluation and Incentive Measures to adjust and optimize the rules for the deposit of social security funds.
II. Contents of revision
(1) The original Administrative Measures and Evaluation Incentive Measures were merged, and the Administrative Measures were revised and promulgated
In order to facilitate unified and standardized management and further streamline documents, the original Administrative Measures and Evaluation Incentive Measures were merged to form the Administrative Measures, and the original two documents were abolished at the same time.
according to the division of functions after institutional reform, the administrative measures are jointly issued by the municipal finance bureau, the municipal human resources security bureau and the municipal medical insurance bureau.
(II) Revising relevant clauses according to the requirements of the Ministry of Finance
The Notice of the Ministry of Finance on Strengthening the Implementation of Local Budgets and the Safety Management of Financial Funds (Caiku [219] No.49) has made detailed provisions on the financial department's choice of financial special account funds to deposit in banks. According to the relevant requirements of the notice, the Administrative Measures revised and improved some clauses. First, in the provisions of Article 1 of the Administrative Measures, the Notice of the Ministry of Finance on Effectively Strengthening the Implementation of Local Budgets and the Safety Management of Financial Funds (Caiku [219] No.49) was added; Second, Article 1 of the Administrative Measures and Article 8 of the Administrative Measures now add "When choosing a deposit bank, we should comprehensively evaluate the bank's operating conditions, service capacity, service quality, pledge preservation measures and contribution to Shenzhen's economic development, and set relevant evaluation indicators in combination with banking regulatory standards, in which the weight of operating conditions indicators is not less than 4%. The bank's operating conditions mainly include bank capital adequacy ratio, non-performing loan ratio and other indicators, and the contribution of major banks to Shenzhen's economic development in Shenzhen, whether the headquarters is in Shenzhen, etc. "
(III) Combing and perfecting other clauses
The main contents are as follows: First, the requirements for bank pledged bonds in Article 14 and Article 12 of the Administrative Measures are added: "Banks should provide sufficient and effective bonds to ensure the safety of time deposits of social security funds". The second is to supplement the situation of suspending the deposit of new time deposits in banks in Article 16 and Article 14 of the Administrative Measures: "Other acts that have been identified by the Municipal Finance Bureau, the Municipal Human Resources Security Bureau and the Municipal Medical Insurance Bureau as having a greater impact on the safety of social security funds". The third is to delete the Postal Savings Bank in Article 2 of the Administrative Measures. "The commercial banks mentioned in these Measures refer to state-owned commercial banks, joint-stock commercial banks, city commercial banks, rural commercial banks and postal savings banks that have set up branches and above in our city. The reason is that the institutional category of Postal Savings Bank has been adjusted to state-owned commercial banks since February 219. The fourth is to delete Article 3 of the Administrative Measures. The function of the Municipal Finance Bureau is "to formulate a specific operation plan for transferring time deposits and implement it according to the prescribed procedures". The reason is that there was an early practice of transferring social security funds in our city. After the reform of the social security fund sharing system in our city in 217, such practices no longer exist. Fifth, some written expressions are revised, namely, the participating bank of social security fund time deposit is changed to the bank of social security fund time deposit, and the bidding scheme of social security fund time deposit interest rate is changed to the sharing scheme of social security fund time deposit funds.
After revision, the Administrative Measures * * * includes six chapters and 17 articles. The six chapters are general provisions, departmental responsibilities, determination of deposit qualifications of commercial banks, allocation of deposit bank funds, revocation of deposit bank qualifications and supplementary provisions, which comprehensively regulate the selection and management of deposit banks for social security funds in our city.