中國銀監會警告企業不要自稱銀行

China’s banking regulator has warned companies not to use the word “bank” in their names following a series of scandals and multibillion-dollar investment scams.

在一系列醜聞和數十億美元投資詐騙事件發生之後，中國銀行業監管機構警告企業不要隨便在名稱中使用“銀行”一詞。

Several outfits posing as accredited financial institutions have been exposed by the regulator in the past year, among them a China Construction Bank operating out of a convenience store in a village in Shandong province.

中國銀行業監管機構在過去一年裏曝光了多起冒充合格金融機構的案例，其中包括一家在山東省一個村子的便利店裏運營的假冒的中國建設銀行(CCB)。

An international trade union spotted a company whose name included the words “Goldman Sachs” operating in Shenzhen, bordering Hong Kong, last year.

一個國際工會去年注意到，在毗鄰香港的深圳，有一家公司的名稱中包括“高盛”兩字，其英文名稱也有Goldman Sachs字樣。

The China Banking Regulatory Commission’s Beijing office cautioned against use of the word ”bank” — either in Chinese or in English — in titles and advertising and also warned against illegal capital raising.

中國銀監會(CBRC)北京辦公室警告企業不要在名稱和廣告中使用“銀行”（無論是中文還是英文）一詞，同時還警告不要進行非法籌資。

Industrial and Commercial Bank of China, the country’s largest bank by market capitalisation, has issued a similar warning concerning a company called Silver Valley Bank, which had advertised financial services in the country’s capital.

中國工商銀行(ICBC)就一家名爲“硅谷銀行”的公司發佈了類似的警告，這家公司已經在北京開展了金融服務宣傳活動。按市值計算，中國工商銀行是中國最大的銀行。

Banks and other deposit-taking institutions in China need approval from the State Council to use the label “bank” or perform most banking services.

中國的銀行以及其他吸收存款機構需要獲得國務院批准才能使用“銀行”標籤，或者提供多數銀行業服務。

Misappropriation of the title touches a nerve with China’s financial regulators, which worry about social unrest stemming from plundered investments.

濫用銀行名稱觸動了中國金融監管機構的神經，它們擔心投資被騙引發社會不安定。

Roger Ying, founder of Pandai, a peer-to-peer lending platform in Beijing, said: “Bank is a very sensitive word as it implies government ownership. Banks are there to instil confidence in the people. Thus authorities do not want other financial services companies to be using the word ‘bank’ to raise funds illegitimately if they don’t have a banking licence.”

北京的P2P貸款平臺——盼貸網(Pandai)創始人霍中皓(Roger Ying)表示：“銀行是一個非常敏感的詞，因爲它暗含着政府所有權。銀行在那裏有助於培養人們的信心。因此當局不希望其他金融服務企業在沒有銀行業牌照的情況下使用‘銀行’名稱來非法籌資。”

Investors have fallen victim to scandals in which online financial platforms have disappeared with billions of dollars, provoking angry protests on the streets. In February more than 20 people were arrested for their involvement in Ezubao, a “complete Ponzi scheme”, that allegedly took more than Rmb50bn ($7.6bn) from investors, China’s biggest-ever case of financial fraud.

已經有不少投資者淪爲醜聞的受害者——在那些醜聞中，在線金融平臺卷着數十億美元消失，引發憤怒的投資者上街抗議。今年2月，超過20人因捲入e租寶(Ezubao)案件而被捕。e租寶是一個“徹頭徹尾的龐氏騙局”，據說吸收了投資者逾500億元人民幣（合76億美元）的資金，這是中國有史以來最大的金融詐騙案。

A month later, a court in southern China jailed 24 people for defrauding about 230,000 investors of nearly Rmb10bn in a similar scam.

一個月後，中國南方的一家法院將24人判刑，原因是他們在一起類似醜聞中詐騙了大約23萬名投資者近100億元人民幣。

A bogus branch of China Construction Bank was reported to authorities last year after a woman who had deposited Rmb40,000 was unable to make withdrawals in a real branch of CCB.

去年，一家假冒的中國建設銀行分行被報告給當局。這家假分行被揭穿，只是因爲一名已存入4萬元人民幣的女子發現自己無法在真正的建行分行提款。

Goldman Sachs (Shenzhen) Financial Leasing Company, which was noted in a report by the International Union of Operating Engineers last year, said at the time it had no connection to the global investment bank.

國際機械操作工人工會(IUOE)去年在一份報告中指出深圳有一家“高盛（深圳）融資租賃有限公司”(Goldman Sachs (Shenzhen) Financial Leasing Company)。該公司當時表示，它與全球投行高盛沒有任何關聯。