銀行法(昭和五十六年法律第五十九号)
Banking Act(Act No. 59 of 1981)
最終更新:令和四年法律第六十八号
Last Version: Act No. 68 of 2022
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銀行法
Banking Act
昭和五十六年六月一日法律第五十九号
Act No. 59 of June 1, 1981
銀行法(昭和二年法律第二十一号)の全部を改正する。
The Banking Act (Act No. 21 of 1927) is hereby fully amended.
第一章 総則 (第一条―第九条)
Chapter I General Provisions (Articles 1 through 9)
第二章 業務 (第十条―第十六条)
Chapter II Services (Articles 10 through 16)
第二章の二 子会社等 (第十六条の二―第十六条の四)
Chapter II-2 Subsidiary Companies (Articles 16-2 through 16-4)
第三章 経理 (第十七条―第二十三条)
Chapter III Accounting (Articles 17 - Article 23)
第四章 監督 (第二十四条―第二十九条)
Chapter IV Supervision (Articles 24 through 29)
第五章 合併、会社分割又は事業の譲渡若しくは譲受け (第三十条―第三十六条)
Chapter V Mergers, Company Splits, or Business Transfers or Acquisitions (Articles 30 through 36)
第六章 廃業及び解散 (第三十七条―第四十六条)
Chapter VI Business Discontinuation and Dissolution (Articles 37 through 46)
第七章 外国銀行支店 (第四十七条―第五十二条)
Chapter VII Foreign Bank Branch Offices (Articles 47 through 52)
第七章の二 外国銀行代理業務に関する特則 (第五十二条の二―第五十二条の二の十)
Chapter VII-2 Special Provisions on Foreign Bank Agency Services (Articles 52-2 through 52-2-10)
第七章の三 株主
Chapter VII-3 Shareholders
第一節 通則 (第五十二条の二の十一―第五十二条の八)
Section 1 General Rules (Articles 52-2-11 through 52-8)
第二節 銀行主要株主に係る特例
Section 2 Special Provisions on Bank's Major Shareholders
第一款 通則 (第五十二条の九・第五十二条の十)
Subsection 1 General Rules (Article 52-9 and Article 52-10)
第二款 監督 (第五十二条の十一―第五十二条の十五)
Subsection 2 Supervision (Articles 52-11 through 52-15)
第三款 雑則 (第五十二条の十六)
Subsection 3 Miscellaneous Provisions (Article 52-16)
第三節 銀行持株会社に係る特例
Section 3 Special Provisions on Bank Holding Companies
第一款 通則 (第五十二条の十七―第五十二条の二十)
Subsection 1 General Rules (Articles 52-17 through 52-20)
第二款 業務及び子会社等 (第五十二条の二十一―第五十二条の二十五)
Subsection 2 Services and Subsidiary Companies (Articles 52-21 through 52-25)
第三款 経理 (第五十二条の二十六―第五十二条の三十)
Subsection 3 Accounting (Articles 52-26 through 52-30)
第四款 監督 (第五十二条の三十一―第五十二条の三十四の二)
Subsection 4 Supervision (Articles 52-31 through 52-34-2)
第五款 雑則 (第五十二条の三十五)
Subsection 5 Miscellaneous Provisions (Article 52-35)
第七章の四 銀行代理業
Chapter VII-4 Bank Agency Services
第一節 通則 (第五十二条の三十六―第五十二条の四十一)
Section 1 General Rules (Articles 52-36 through 52-41)
第二節 業務 (第五十二条の四十二―第五十二条の四十八)
Section 2 Services (Articles 52-42 through 52-48)
第三節 経理 (第五十二条の四十九―第五十二条の五十一)
Section 3 Accounting (Articles 52-49 through 52-51)
第四節 監督 (第五十二条の五十二―第五十二条の五十七)
Section 4 Supervision (Articles 52-52 through 52-57)
第五節 所属銀行等 (第五十二条の五十八―第五十二条の六十)
Section 5 Principal Banks (Articles 52-58 through 52-60)
第六節 雑則 (第五十二条の六十の二)
Section 6 Miscellaneous Provisions (Article 52-60-2)
第七章の五 電子決済等取扱業
Chapter VII-5 Electronic Payment Handling Services
第一節 通則 (第五十二条の六十の三―第五十二条の六十の十)
Section 1 General Rules (Articles 52-60-3 through 52-60-10)
第二節 業務 (第五十二条の六十の十一―第五十二条の六十の十七)
Section 2 Services (Articles 52-60-11 through 52-60-17)
第三節 監督 (第五十二条の六十の十八―第五十二条の六十の二十四)
Section 3 Supervision (Articles 52-60-18 through 52-60-24)
第四節 認定電子決済等取扱事業者協会 (第五十二条の六十の二十五―第五十二条の六十の三十五)
Section 4 Certified Association of Electronic Payment Handling Service Providers (Articles 52-60-25 through 52-60-35)
第五節 雑則 (第五十二条の六十の三十六―第五十二条の六十一)
Section 5 Miscellaneous Provisions (Articles 52-60-36 through 52-61)
第七章の六 電子決済等代行業
Chapter VII-6 Electronic Payment Services
第一節 通則 (第五十二条の六十一の二―第五十二条の六十一の七)
Section 1 General Rules (Articles 52-61-2 through 52-61-7)
第二節 業務 (第五十二条の六十一の八―第五十二条の六十一の十一)
Section 2 Services (Articles 52-61-8 through 52-61-11)
第三節 監督 (第五十二条の六十一の十二―第五十二条の六十一の十八)
Section 3 Supervision (Articles 52-61-12 through 52-61-18)
第四節 認定電子決済等代行事業者協会 (第五十二条の六十一の十九―第五十二条の六十一の二十九)
Section 4 Certified Association of Electronic Payment Service Providers (Articles 52-61-19 through 52-61-29)
第五節 雑則 (第五十二条の六十一の三十)
Section 5 Miscellaneous Provisions (Article 52-61-30)
第七章の七 指定紛争解決機関
Chapter VII-7 Designated Dispute Resolution Organizations
第一節 通則 (第五十二条の六十二―第五十二条の六十四)
Section 1 General Rules (Articles 52-62 through 52-64)
第二節 業務 (第五十二条の六十五―第五十二条の七十七)
Section 2 Services (Articles 52-65 through 52-77)
第三節 監督 (第五十二条の七十八―第五十二条の八十四)
Section 3 Supervision (Articles 52-78 through 52-84)
第八章 雑則 (第五十三条―第六十条)
Chapter VIII Miscellaneous Provisions (Articles 53 through 60)
第九章 罰則 (第六十一条―第六十七条)
Chapter IX Penal Provisions (Articles 61 through 67)
第十章 没収に関する手続等の特例 (第六十八条―第七十条)
Chapter X Special Provisions on Procedures Concerning Confiscation (Articles 68 through 70)
附 則
Supplementary Provisions
第一章 総則
Chapter I General Provisions
(目的)
(Purpose)
第一条この法律は、銀行の業務の公共性にかんがみ、信用を維持し、預金者等の保護を確保するとともに金融の円滑を図るため、銀行の業務の健全かつ適切な運営を期し、もつて国民経済の健全な発展に資することを目的とする。
Article 1(1)The purpose of this Act is to preserve the credibility of a bank's services in view of their public nature; to achieve the sound and appropriate management of a bank's services in order to ensure protection for depositors and facilitate the smooth functioning of financial services; and to thereby contribute to the sound development of the national economy.
この法律の運用に当たつては、銀行の業務の運営についての自主的な努力を尊重するよう配慮しなければならない。
(2)In implementing this Act, due consideration must be given to respect the bank's voluntary efforts to manage its own services.
(定義等)
(Definitions)
第二条この法律において「銀行」とは、第四条第一項の内閣総理大臣の免許を受けて銀行業を営む者をいう。
Article 2(1)The term "bank" as used in this Act means a person engaging in banking by obtaining a license referred to in Article 4, paragraph (1) granted by the Prime Minister.
この法律において「銀行業」とは、次に掲げる行為のいずれかを行う営業をいう。
(2)The term "banking" as used in this Act means the business of performing any of the following actions:
預金又は定期積金の受入れと資金の貸付け又は手形の割引とを併せ行うこと。
(i)acceptance of deposits or installment savings, as well as the lending of funds or the discounting of bills and notes; or
為替取引を行うこと。
(ii)dealing in funds transfer transactions.
この法律において「定期積金」とは、期限を定めて一定金額の給付を行うことを約して、定期に又は一定の期間内において数回にわたり受け入れる金銭をいう。
(3)The term "installment savings" as used in this Act means money that is accepted on multiple occasions at regular intervals or within a fixed period of time, with the promise that a fixed amount of money will be paid on a designated date.
この法律において「定期積金等」とは、定期積金のほか、一定の期間を定め、その中途又は満了の時において一定の金額の給付を行うことを約して、当該期間内において受け入れる掛金をいう。
(4)The term "installment savings, etc." as used in this Act means, in addition to installment savings, money paid in in installments, and accepted within a fixed period of time, with the promise that a fixed amount of money will be paid at or before the end of that period.
この法律において「預金者等」とは、預金者及び定期積金の積金者(前項に規定する掛金の掛金者を含む。)をいう。
(5)The term "depositor, etc." as used in this Act means a depositor or a person that puts money into installment savings (including a person that pays in money in installments as prescribed in the preceding paragraph).
この法律において「総株主等の議決権」とは、総株主又は総出資者の議決権(株式会社にあつては、株主総会において決議をすることができる事項の全部につき議決権を行使することができない株式についての議決権を除き、会社法(平成十七年法律第八十六号)第八百七十九条第三項(特別清算事件の管轄)の規定により議決権を有するものとみなされる株式についての議決権を含む。以下同じ。)をいう。
(6)The term "total shareholder or investor voting rights" as used in this Act means voting rights of all shareholders or voting rights of all equity investors (for a stock company, excluding voting rights in respect of shares that the holder may not exercise voting rights with regard to all of the matters that can be resolved at a shareholders meeting, but including voting rights in respect of shares whose holders are deemed to have voting rights pursuant to the provisions of Article 879, paragraph (3) (Jurisdiction over a Special Liquidation Case) of the Companies Act (Act No. 86 of 2005); the same applies hereinafter).
この法律において「株式等」とは、株式又は持分をいう。
(7)The term "shares or equity" as used in this Act means shares or equity interest.
この法律において「子会社」とは、会社がその総株主等の議決権の百分の五十を超える議決権を保有する他の会社をいう。この場合において、会社及びその一若しくは二以上の子会社又は当該会社の一若しくは二以上の子会社がその総株主等の議決権の百分の五十を超える議決権を保有する他の会社は、当該会社の子会社とみなす。
(8)The term "subsidiary company" as used in this Act means the second company for which the first company holds voting rights accounting for over fifty percent of the total shareholder or investor voting rights. In such a case, the second company for which the first company and one or more of its subsidiary companies hold voting rights accounting for over fifty percent of the total shareholder or investor voting rights, or for which one or more of the first company's subsidiary companies hold voting rights accounting for over fifty percent of the total shareholder or investor voting rights, is deemed to be the subsidiary company of the first company.
この法律において「主要株主基準値」とは、総株主の議決権の百分の二十(会社の財務及び営業の方針の決定に対して重要な影響を与えることが推測される事実が存在するものとして内閣府令で定める要件に該当する者が当該会社の議決権の保有者である場合にあつては、百分の十五)をいう。
(9)The term "major shareholder threshold" as used in this Act means twenty percent (or fifteen percent, if a person satisfying the requirement specified by Cabinet Office Order as one with regard to which a fact exists that is presumed to have a material influence on decisions about the company's financial and business policies, holds the voting rights in the company) of the total shareholder voting rights.
10この法律において「銀行主要株主」とは、銀行の主要株主基準値以上の数の議決権の保有者(他人(仮設人を含む。)の名義をもつて保有する者を含む。以下同じ。)であつて、第五十二条の九第一項の認可を受けて設立され、又は同項若しくは同条第二項ただし書の認可を受けているものをいう。
(10)The term a "bank's major shareholder" as used in this Act means a person that holds a number of voting rights in a bank which is equal to or greater than the major shareholder threshold (including a person that holds those voting rights in the name of another person (or under a pseudonym); the same applies hereinafter), and is incorporated under the authorization referred to in Article 52-9, paragraph (1), or that obtains the authorization referred to in that paragraph or the proviso to paragraph (2) of that Article.
11第八項又は前項の場合において、会社又は議決権の保有者が保有する議決権には、金銭又は有価証券の信託に係る信託財産として所有する株式等に係る議決権(委託者又は受益者が行使し、又はその行使について当該会社若しくは当該議決権の保有者に指図を行うことができるものに限る。)その他内閣府令で定める議決権を含まないものとし、信託財産である株式等に係る議決権で、当該会社又は当該議決権の保有者が委託者若しくは受益者として行使し、又はその行使について指図を行うことができるもの(内閣府令で定める議決権を除く。)及び社債、株式等の振替に関する法律(平成十三年法律第七十五号)第百四十七条第一項又は第百四十八条第一項の規定により発行者に対抗することができない株式に係る議決権を含むものとする。
(11)In the case referred to in paragraph (8) or the preceding paragraph, the voting rights held by the company or the person that holds those voting rights are not to include the voting rights from shares or equity that the company or person holds as trust property in a monetary or security trust (limited to those that the settlor or beneficiary may exercise or those whose exercise the settlor or beneficiary may give instructions to the company or the person that holds them) or the voting rights specified by Cabinet Office Order, but are to include voting rights from shares or equity that constitute trust property which the company or the person that holds those voting rights may exercise as the settlor or beneficiary, or whose exercise the company or person may give instructions as the settlor or beneficiary (excluding those specified by Cabinet Office Order), and voting rights from shares which may not be asserted against the issuer pursuant to the provisions of Article 147, paragraph (1) or Article 148, paragraph (1) of the Act on Book-Entry Transfer of Corporate Bonds and Shares (Act No. 75 of 2001).
12この法律において「持株会社」とは、子会社(国内の会社に限る。)の株式等の取得価額(最終の貸借対照表において別に付した価額があるときは、その価額)の合計額の総資産の額(内閣府令で定める方法による資産の合計金額をいう。)から内閣府令で定める資産の額(内閣府令で定めるところにより算出した額をいう。)を除いた額に対する割合が百分の五十を超える会社をいう。
(12)The term "holding company" as used in this Act means a company whose percentage of the total amount of the acquisition cost (or any other value if such value is listed in the latest balance sheet) of shares or equity in subsidiary companies (limited to domestic companies) to the amount calculated by deducting the amount of assets specified by Cabinet Office Order (meaning the amount calculated pursuant to the provisions of Cabinet Office Order) from the amount of total assets (meaning the total amount of assets calculated by a method specified by Cabinet Office Order) exceeds fifty percent.
13この法律において「銀行持株会社」とは、銀行を子会社とする持株会社であつて、第五十二条の十七第一項の認可を受けて設立され、又は同項若しくは同条第三項ただし書の認可を受けているものをいう。
(13)The term "bank holding company" as used in this Act means a holding company that has a bank as its subsidiary company, and that is incorporated under the authorization referred to in Article 52-17, paragraph (1) or has obtained the authorization referred to in that paragraph (1) or the proviso to paragraph (3) of that Article.
14この法律において「銀行代理業」とは、銀行のために次に掲げる行為のいずれかを行う営業をいう。
(14)The term "bank agency services" as used in this Act means the business of performing any of the following actions on behalf of a bank:
預金又は定期積金等の受入れを内容とする契約の締結の代理又は媒介
(i)acting as agent or intermediary in concluding a contract for the acceptance of deposits or installment savings, etc.;
資金の貸付け又は手形の割引を内容とする契約の締結の代理又は媒介
(ii)acting as an agent or intermediary in concluding a contract for the lending of funds or the discounting of negotiable instruments; or
為替取引を内容とする契約の締結の代理又は媒介
(iii)acting as an agent or intermediary in concluding a contract for funds transfer transactions.
15この法律において「銀行代理業者」とは、第五十二条の三十六第一項の内閣総理大臣の許可を受けて銀行代理業を営む者をいう。
(15)The term "bank agent" as used in this Act means a person that performs bank agency services under the license of the Prime Minister as referred to in Article 52-36, paragraph (1).
16この法律において「所属銀行」とは、銀行代理業者が行う第十四項各号に掲げる行為により、同項各号に規定する契約において同項各号の預金若しくは定期積金等の受入れ、資金の貸付け若しくは手形の割引又は為替取引を行う銀行をいう。
(16)The term "principal bank" as used in this Act means a bank that accepts deposits or installment savings, etc., lends funds, discounts negotiable instruments, or deals in funds transfer transactions as referred to in the items of paragraph (14) under a contract provided for in each item of that paragraph, based on the action set forth in the items of that paragraph which a bank agent performs.
17この法律において「電子決済等取扱業」とは、次に掲げる行為を行う営業をいい、「電子決済等関連預金媒介業務」とは、第二号に掲げる行為をいう。
(17)The term "electronic payment handling services" as used in this Act means the business of performing the following actions, and the term "electronic payment-related deposit intermediary services" as used in this Act means the action set forth in item (ii):
銀行の委託を受けて、当該銀行に代わつて当該銀行に預金の口座を開設している預金者との間で次に掲げる事項のいずれかを電子情報処理組織を使用する方法により行うことについて合意をし、かつ、当該合意に基づき預金契約に基づく債権(以下この号において「預金債権」という。)の額を増加させ、又は減少させること。
(i)based on an entrustment from a bank, to come to an agreement with a depositor that has opened an account for deposits with the bank to carry out any of the following actions by a means that uses an electronic data processing system, and to increase or decrease the amount of claims under a deposit contract (hereinafter referred to as "deposit claims" in this item) based on the agreement, on behalf of the bank:
当該口座に係る資金を移動させ、当該資金の額に相当する預金債権の額を減少させること。
(a)to transfer funds in that account, and decrease the amount of deposit claims by an amount equivalent to the amount of the transferred funds; or
為替取引により受け取つた資金の額に相当する預金債権の額を増加させること。
(b)to increase the amount of deposit claims by an amount equivalent to the amount of funds received through a fund transfer transaction; and
その行う前号に掲げる行為に関して、同号の銀行(以下「委託銀行」という。)のために預金の受入れを内容とする契約の締結の媒介を行うこと。
(ii)to provide intermediary services for concluding contracts for the acceptance of deposits on behalf of the bank referred to in the preceding item (hereinafter referred to as the "entrusting bank") in relation to the action set forth in that paragraph.
18この法律において「電子決済等取扱業者」とは、第五十二条の六十の三の登録を受けて電子決済等取扱業を営む者をいう。
(18)The term "electronic payment handling service provider" as used in this Act means a person that performs electronic payment handling services by obtaining the registration referred to in Article 52-60-3.
19この法律において「外国電子決済等取扱業者」とは、この法律に相当する外国の法令の規定により当該外国において第五十二条の六十の三の登録と同種類の登録(当該登録に類するその他の行政処分を含む。)を受けて電子決済等取扱業を営む者又は当該外国の法令に準拠してこれに相当する業務を営む者をいう。
(19)The term "foreign electronic payment handling service provider" as used in this Act means a person that performs electronic payment handling services under the same type of registration as the registration referred to in Article 52-60-3 obtained in a foreign country pursuant to the provisions of foreign laws and regulations that are equivalent to this Act (including other administrative dispositions similar to the registration) or a person that performs services equivalent to those services in accordance with laws and regulations of the foreign country.
20この法律において「認定電子決済等取扱事業者協会」とは、第五十二条の六十の二十五の規定による認定を受けた一般社団法人をいう。
(20)The term "certified association of electronic payment handling service providers" as used in this Act means a general incorporated association that has been granted the certification under the provisions of Article 52-60-25.
21この法律において「電子決済等代行業」とは、次に掲げる行為(第一号に規定する預金者による特定の者に対する定期的な支払を目的として行う同号に掲げる行為その他の利用者の保護に欠けるおそれが少ないと認められるものとして内閣府令で定める行為を除く。)のいずれかを行う営業をいう。
(21)The term "electronic payment services" as used in this Act means the business of performing any of the following actions (excluding the actions set forth in item (i) that are performed in order to enable a depositor prescribed in that item to make periodic payments to a specific person and any other actions specified by Cabinet Office Order as those that are found to have little likelihood of resulting in insufficient user protection):
銀行に預金の口座を開設している預金者の委託(二以上の段階にわたる委託を含む。)を受けて、電子情報処理組織を使用する方法により、当該口座に係る資金を移動させる為替取引を行うことの当該銀行に対する指図(当該指図の内容のみを含む。)の伝達(当該指図の内容のみの伝達にあつては、内閣府令で定める方法によるものに限る。)を受け、これを当該銀行に対して伝達すること。
(i)based on an entrustment (including entrustment at two or more degrees of separation from the original entrustment) from a depositor that has opened an account for deposits with a bank, through being provided with information on instruction to the bank (or with the content of the instruction alone) to conduct a fund transfer transaction for transferring funds in that account (limited to the provision of information on instruction by a means specified by Cabinet Office Order, if the person is provided with the content of the instruction alone), to provide information on the instruction to the bank, by a means of using an electronic data processing system; or
銀行に預金又は定期積金等の口座を開設している預金者等の委託(二以上の段階にわたる委託を含む。)を受けて、電子情報処理組織を使用する方法により、当該銀行から当該口座に係る情報を取得し、これを当該預金者等に提供すること(他の者を介する方法により提供すること及び当該情報を加工した情報を提供することを含む。)。
(ii)based on an entrustment (including entrustment at two or more degrees of separation from the original entrustment) from a depositor, etc. that has opened an account for deposits or installment savings, etc. with a bank, to acquire information on that account from the bank and providing it to the depositor, etc. (including provision of that information through another person and provision of information created by processing that information), by a means of using an electronic data processing system.
22この法律において「電子決済等代行業者」とは、第五十二条の六十一の二の登録を受けて電子決済等代行業を営む者をいう。
(22)The term "electronic payment service provider" as used in this Act means a person engaging in electronic payment services by obtaining the registration referred to in Article 52-61-2.
23この法律において「認定電子決済等代行事業者協会」とは、第五十二条の六十一の十九の規定による認定を受けた一般社団法人をいう。
(23)The term "certified association of electronic payment service providers" as used in this Act means a general incorporated association that has been granted the certification under the provisions of Article 52-61-19.
24この法律において「指定紛争解決機関」とは、第五十二条の六十二第一項の規定による指定を受けた者をいう。
(24)The term "designated dispute resolution organization" as used in this Act means a person that has obtained the designation under Article 52-62, paragraph (1).
25この法律において「銀行業務」とは、銀行が第十条及び第十一条の規定により営む業務並びに担保付社債信託法(明治三十八年法律第五十二号)その他の法律により営む業務並びに当該銀行のために銀行代理業を営む者が営む銀行代理業をいう。
(25)The term "banking services" as used in this Act means services that a bank performs pursuant to the provisions of Article 10 and Article 11, services that a bank performs pursuant to the provisions of the Secured Bond Trust Act (Act No. 52 of 1905) and other laws, and bank agency services that a person engaged in bank agency services performs on behalf of that bank.
26この法律において「電子決済等取扱業務」とは、電子決済等取扱業者が営む第十七項各号に掲げる行為に係る業務をいう。
(26)The term "electronic payment handling business" as used in this Act means the business involving the actions set forth in the items of paragraph (17) that are performed by an electronic payment handling service provider.
27この法律において「銀行業務等」とは、銀行業務又は電子決済等取扱業務をいう。
(27)The term "banking services, etc." as used in this Act means banking services or electronic payment handling business.
28この法律において「苦情処理手続」とは、銀行業務等関連苦情(銀行業務等に関する苦情をいう。第五十二条の六十七、第五十二条の六十八及び第五十二条の七十二において同じ。)を処理する手続をいう。
(28)The term "complaint processing procedures" as used in this Act means procedures for processing a complaint related to banking services, etc. (meaning a complaint about banking services, etc.; the same applies in Article 52-67, Article 52-68, and Article 52-72).
29この法律において「紛争解決手続」とは、銀行業務等関連紛争(銀行業務等に関する紛争で当事者が和解をすることができるものをいう。第五十二条の六十七、第五十二条の六十八及び第五十二条の七十三から第五十二条の七十五までにおいて同じ。)について訴訟手続によらずに解決を図る手続をいう。
(29)The term "dispute resolution procedures" as used in this Act means procedures that attempt to resolve a dispute related to banking services, etc. (meaning a dispute about banking services, etc. which can be settled between the parties; the same applies in Article 52-67, Article 52-68, and Articles 52-73 through 52-75) without recourse to court proceedings.
30この法律において「紛争解決等業務」とは、苦情処理手続及び紛争解決手続に係る業務並びにこれに付随する業務をいう。
(30)The term "dispute resolution services" as used in this Act means services involved in complaint processing procedures and dispute resolution procedures, as well as services incidental to the services.
31この法律において「紛争解決等業務の種別」とは、紛争解決等業務に係る銀行業務及び電子決済等取扱業務の種別をいう。
(31)The term "categories of dispute resolution services" as used in this Act means categories of banking services and electronic payment handling business which are related to dispute resolution services
32この法律において「手続実施基本契約」とは、紛争解決等業務の実施に関し指定紛争解決機関と銀行業関係業者(銀行又は電子決済等取扱業者をいう。以下同じ。)との間で締結される契約をいう。
(32)The term "basic contract for the implementation of dispute resolution procedures" as used in this Act means a contract concluded between a designated dispute resolution organization and a banking service provider (meaning a bank or electronic payment handling service provider; the same applies hereinafter) with regard to the implementation of dispute resolution services.
第三条預金又は定期積金等の受入れ(前条第二項第一号に掲げる行為に該当するものを除く。)を行う営業は、銀行業とみなして、この法律を適用する。
Article 3The business of accepting deposits or installment savings, etc. (other than that which falls under the category of an action set forth in paragraph (2), item (i) of the preceding Article) is deemed to be banking, and this Act apply.
第三条の二次の各号に掲げる者は、それぞれ当該各号に定める数の銀行の議決権の保有者とみなして、第七章の三第一節及び第二節、第八章並びに第九章の規定を適用する。
Article 3-2(1)A person set forth in one of the following items is deemed to be a holder of voting rights in a bank, in the number specified in the relevant item, and the provisions of Chapter VII-3, Sections 1 and 2, Chapter VIII and Chapter IX apply:
法人でない団体(法人に準ずるものとして内閣府令で定めるものに限る。) 当該法人でない団体の名義をもつて保有される銀行の議決権の数
(i)an organization that is not a corporation (limited to one specified by Cabinet Office Order as being equivalent to a corporation): the number of voting rights in the bank which are held in the name of the organization that is not a corporation;
内閣府令で定めるところにより連結してその計算書類その他の書類を作成するものとされる会社(次号において「連結基準対象会社」という。)であつて、その連結する会社その他の法人(前号に掲げる法人でない団体を含む。以下この項において「会社等」という。)のうちに銀行を含むもののうち、他の会社の計算書類その他の書類に連結される会社以外の会社 当該会社の当該銀行に対する実質的な影響力を表すものとして内閣府令で定めるところにより計算される数
(ii)a company that is to prepare financial statements or other documents on a consolidated basis pursuant to the provisions of Cabinet Office Order (referred to as "company subject to consolidation standards" in the following item), whose consolidated companies and other corporations (which includes an organization that is not a corporation set forth in the preceding item; hereinafter referred to as a "company, etc." in this paragraph) include a bank, and which is not itself consolidated in any other company's financial statements or other documents: the number calculated pursuant to the provisions of Cabinet Office Order as representing the substantial influence that the company exercises on the bank;
連結基準対象会社以外の会社等(銀行の議決権の保有者である会社等に限り、前号に掲げる会社の計算書類その他の書類に連結されるものを除く。)が会社等集団(当該会社等及び当該会社等が他の会社等に係る議決権の過半数を保有していることその他の当該会社等と密接な関係を有する会社等として内閣府令で定める会社等の集団をいう。以下この項において同じ。)に属し、かつ、当該会社等集団が当該会社等集団に属する全部の会社等の保有する一の銀行の議決権の数を合算した数(以下この号及び次号において「会社等集団保有議決権数」という。)が当該銀行の主要株主基準値以上の数である会社等集団(以下この号及び次号において「特定会社等集団」という。)である場合において、当該特定会社等集団に属する会社等のうち、その会社等に係る議決権の過半数の保有者である会社等がない会社等 当該特定会社等集団に係る会社等集団保有議決権数
(iii)a company, etc. not constituting a company subject to consolidation standards (limited to one that holds voting rights in a bank and excluding one that is consolidated in the financial statement or other documents of a company set forth in the preceding item) which belongs to a group of companies, etc. (meaning a group consisting of the company, etc. itself and any other company, etc. that Cabinet Office Order specifies as being one in which the relevant company, etc. holds majority voting rights or as being closely related to the relevant company, etc. in any other such way; hereinafter the same applies in this paragraph) and if the combined number of voting rights in a single bank held by all of the companies, etc. belonging to that group of companies, etc. (hereinafter referred to as the "number of voting rights held by the group of companies, etc." in this item and the following item) is equal to or greater than the major shareholder threshold for the bank (hereinafter referred to as a "specified group of companies, etc." in this item and the following item), the company that has no companies, etc. which is the holder of majority voting rights in that company, etc.: the number of voting rights held by the group of companies, etc. which is associated with that specified group of companies, etc.;
特定会社等集団に属する会社等のうちに前号に掲げる会社等がない場合において、当該特定会社等集団に属する会社等のうちその貸借対照表上の資産の額が最も多い会社等 当該特定会社等集団に係る会社等集団保有議決権数
(iv)the company, etc. with the largest amount of assets on the balance sheet out of the companies, etc. belonging to the specified group of companies, etc., if there is no company, etc. set forth in the preceding item among the companies, etc. that belong to that specified group of companies, etc.: the number of voting rights held by the group of companies, etc. which is associated with that specified group of companies, etc.;
銀行の議決権の保有者である会社等(第二号から前号までに掲げる者を含む。以下この号において同じ。)に係る議決権の過半数の保有者である個人のうち、当該個人がその議決権の過半数の保有者である会社等がそれぞれ保有する一の銀行の議決権の数(当該会社等が前各号に掲げる者であるときは、それぞれ当該各号に定める数)を合算した数(当該個人が当該銀行の議決権の保有者である場合にあつては、当該合算した数に当該個人が保有する当該銀行の議決権の数を加算した数。以下この号において「合算議決権数」という。)が当該銀行の総株主の議決権の百分の二十以上の数である者 当該個人に係る合算議決権数
(v)an individual who holds majority voting rights in a company, etc. that holds voting rights in a bank (such a company, etc. includes a person set forth in item (ii) through the preceding item; hereinafter the same applies in this item), if the combined number of voting rights in a single bank which are held by all companies, etc. in which the individual holds majority voting rights (or, the combined number of those voting rights in that bank and the number specified in the preceding items, if any of those company, etc. falls under any of the categories set forth in those items) (or, the number of voting rights arrived at when the number of voting rights in that bank held by the individual is added to that combined number in question if the individual has voting rights in that bank; the number calculated is hereinafter referred to as the "combined number of voting rights" in this item) is equal to or greater than twenty percent of the total shareholder voting rights in that bank: the combined number of voting rights associated with that individual;
銀行の議決権の保有者(前各号に掲げる者を含む。以下この号において同じ。)のうち、その保有する当該銀行の議決権の数(当該議決権の保有者が前各号に掲げる者であるときは、それぞれ当該各号に定める数)とその共同保有者(銀行の議決権の保有者が、当該銀行の議決権の他の保有者(前各号に掲げる者を含む。)と共同して当該議決権に係る株式を取得し、若しくは譲渡し、又は当該銀行の株主としての議決権その他の権利を行使することを合意している場合における当該他の保有者(当該議決権の保有者が第二号に掲げる会社である場合においては当該会社の計算書類その他の書類に連結される会社等を、当該議決権の保有者が第三号又は第四号に掲げる会社等である場合においては当該会社等が属する会社等集団に属する当該会社等以外の会社等を、当該議決権の保有者が前号に掲げる個人である場合においては当該個人がその議決権の過半数の保有者である会社等を除き、当該議決権の保有者と政令で定める特別な関係を有する者を含む。)をいう。)の保有する当該銀行の議決権の数(当該共同保有者が前各号に掲げる者であるときは、それぞれ当該各号に定める数)を合算した数(以下この号において「共同保有議決権数」という。)が当該銀行の総株主の議決権の百分の二十以上の数である者 共同保有議決権数
(vi)a person that holds voting rights in a bank (including a person set forth in the preceding items; hereinafter the same applies in this item), if the sum of the number of voting rights in that bank the person holds (or, the number specified in the relevant item if the person is one that is set forth in the preceding items) and the number of voting rights in that bank held by the person's joint holders (meaning a second person that holds voting rights in a bank (including a person set forth in one of the preceding items) with which a first person that holds voting rights in that bank has agreed to jointly acquire or transfer the shares to which those voting rights are attached, or has agreed to jointly exercise voting rights and other rights as bank shareholders (the second person excludes a company, etc. whose financial statements and other documents are consolidated to another company set forth in item (ii) if that first person that holds voting rights in the bank is that other company; excludes a company, etc. that does not constitute another company, etc. set forth in item (iii) or item (iv) but belongs to the group of companies, etc. to which that other company, etc. belongs if the first person is that other company, etc. set forth in item (iii) or item (iv); and excludes a company, etc. in which an individual set forth in the preceding item holds majority voting rights if the first person is that individual; and includes any person that has a special relationship specified by Cabinet Order with the first person)) (or, the sum total of the number of voting rights in that bank the person holds and the number prescribed in the relevant item, if that joint holder is a person set forth in one of the preceding items) (the combined number of voting rights is hereinafter referred to as the "number of voting rights jointly held" in this item) is equal to or greater than twenty percent of the total shareholder voting rights in that bank: the number of voting rights jointly held; and
前各号に掲げる者に準ずる者として内閣府令で定める者 銀行に対する実質的な影響力を表すものとして内閣府令で定めるところにより計算される数
(vii)a person specified by Cabinet Office Order as being equivalent to any of the persons set forth in one of the preceding items: the number calculated pursuant to the provisions of Cabinet Office Order as representing a substantial influence on the bank.
第二条第十一項の規定は、前項各号の場合において同項各号に掲げる者が保有するものとみなされる議決権及び議決権の保有者が保有する議決権について準用する。
(2)The provisions of Article 2, paragraph (11) apply mutatis mutandis to voting rights that the person set forth in the items of the preceding paragraph is deemed to hold and to the voting rights that the holder of the voting rights holds, in the case referred to in one of the items of that paragraph.
(営業の免許)
(Business License)
第四条銀行業は、内閣総理大臣の免許を受けた者でなければ、営むことができない。
Article 4(1)A person may not engage in banking unless licensed by the Prime Minister to do so.
内閣総理大臣は、銀行業の免許の申請があつたときは、次に掲げる基準に適合するかどうかを審査しなければならない。
(2)When an application is filed for a banking license, the Prime Minister must examine whether the following criteria are met:
銀行業の免許を申請した者(以下この項において「申請者」という。)が銀行の業務を健全かつ効率的に遂行するに足りる財産的基礎を有し、かつ、申請者の当該業務に係る収支の見込みが良好であること。
(i)the person filing application for the banking license (hereinafter referred to as the "applicant" in this paragraph) has a sufficient financial basis to perform the services of a bank soundly and efficiently, and has good prospects for income and expenditures in connection with those services; and
申請者が、その人的構成等に照らして、銀行の業務を的確、公正かつ効率的に遂行することができる知識及び経験を有し、かつ、十分な社会的信用を有する者であること。
(ii)in light of its personnel structure, etc., the applicant has the knowledge and experience to perform the services of a bank appropriately, fairly, and efficiently, and has sufficient social credibility.
外国の法令に準拠して外国において銀行業を営む者(その者と政令で定める特殊の関係のある者を含むものとし、銀行等を除く。以下この項において「外国銀行等」という。)をその株主の全部又は一部とする者が銀行業の免許を申請した場合において、当該外国銀行等が当該免許を申請した者の総株主の議決権に内閣府令で定める率を乗じて得た数を超える議決権を適法に保有しているときは、内閣総理大臣は、前項各号に掲げる基準のほか、当該外国銀行等の主たる営業所が所在する国において、銀行に対し、この法律による取扱いと実質的に同等な取扱いが行われると認められるかどうかの審査をしなければならない。ただし、当該審査が国際約束の誠実な履行を妨げることとなる場合その他の政令で定める場合は、この限りでない。
(3)If a person that has persons engaged in banking in a foreign country in accordance with foreign laws and regulations (including a person that has a unique relationship specified by Cabinet Order with the person, but excluding a bank, etc.; hereinafter such a person is referred to as a "foreign bank, etc." in this paragraph) as all or some of their shareholders files a banking license application, and the foreign bank, etc. lawfully holds voting rights in the person filing the banking license application which exceed the number arrived at by multiplying the total shareholder voting rights in that person shareholders by the percentage specified by Cabinet Office Order, in addition to the criteria set forth in each item of the preceding paragraph, the Prime Minister must examine whether banks are found to be treated in substantially the same manner as under this Act in the country where the principal business office of the foreign bank, etc. is located; provided, however, that this does not apply to the case in which the examination would interfere with the faithful fulfillment of an international agreement or in other cases specified by Cabinet Order.
内閣総理大臣は、前二項の規定による審査の基準に照らし公益上必要があると認めるときは、その必要の限度において、第一項の免許に条件を付し、及びこれを変更することができる。
(4)If the Prime Minister finds it to be necessary in the public interest in light of the examination criteria under the preceding two paragraphs, the Prime Minister may attach conditions to the license referred to in paragraph (1) or change those conditions, to the extent necessary.
第三項の「銀行等」とは、銀行、長期信用銀行(長期信用銀行法(昭和二十七年法律第百八十七号)第二条(定義)に規定する長期信用銀行をいう。以下同じ。)その他内閣府令で定める金融機関をいう。
(5)The term "bank, etc." as used in paragraph (3) means a bank, a long-term credit bank (meaning a long-term credit bank as defined in Article 2 (Definitions) of the Long-Term Credit Bank Act (Act No. 187 of 1952); the same applies hereinafter), or a financial institution specified by Cabinet Office Order.
(銀行の機関)
(Organs of a Bank)
第四条の二銀行は、株式会社であつて次に掲げる機関を置くものでなければならない。
Article 4-2A bank must be a stock company that has in place the following organs:
取締役会
(i)a board of directors;
監査役会、監査等委員会又は指名委員会等(会社法第二条第十二号(定義)に規定する指名委員会等をいう。第五十二条の十八第二項第二号において同じ。)
(ii)a board of company auditors, a supervisory committee, or a nominating committee, etc. (meaning a nominating committee, etc. as defined in Article 2, paragraph (12) (Definitions) of the Companies Act; the same applies in Article 52-18, paragraph (2), item (ii)); and
会計監査人
(iii)a financial auditor.
(資本金の額)
(Amount of Stated Capital)
第五条銀行の資本金の額は、政令で定める額以上でなければならない。
Article 5(1)The stated capital of a bank must be equal to or more than the amount specified by Cabinet Order.
前項の政令で定める額は、十億円を下回つてはならない。
(2)The amount specified by Cabinet Order that is referred to in the preceding paragraph must not be less than one billion yen.
銀行は、その資本金の額を減少しようとするときは、内閣総理大臣の認可を受けなければならない。
(3)A bank must obtain the authorization by the Prime Minister if it seeks to reduce the amount of its stated capital.
(商号)
(Trade Name)
第六条銀行は、その商号中に銀行という文字を使用しなければならない。
Article 6(1)A bank must use the characters "銀行" (with a pronunciation of "ginkou" and literally meaning a "bank") in its trade name.
銀行でない者は、その名称又は商号中に銀行であることを示す文字を使用してはならない。
(2)A person that is not a bank must not use the characters that indicate them to be a bank in their name or trade name.
銀行は、その商号を変更しようとするときは、内閣総理大臣の認可を受けなければならない。
(3)A bank must obtain the authorization by the Prime Minister if it seeks to change its trade name.
(取締役等の兼職の制限)
(Restriction on the Concurrent Holding of Positions by Directors)
第七条銀行の常務に従事する取締役(指名委員会等設置会社にあつては、執行役)は、内閣総理大臣の認可を受けた場合を除くほか、他の会社の常務に従事してはならない。
Article 7(1)A director (or, an executive officer, if the bank is a company with nominating committee, etc.) who is engaged in the day-to-day operations of a bank must not engage in the day-to-day operations of any other company without the authorization by the Prime Minister.
内閣総理大臣は、前項の認可の申請があつたときは、当該申請に係る事項が当該銀行の業務の健全かつ適切な運営を妨げるおそれがないと認める場合でなければ、これを認可してはならない。
(2)When an application is filed for the authorization referred to in the preceding paragraph, the Prime Minister must not grant the authorization unless the Prime Minister finds that the particulars given in the application are unlikely to interfere with the sound and appropriate management of the bank's services.
(取締役等の適格性等)
(Eligibility as a Director)
第七条の二次の各号に掲げる者は、当該各号に定める知識及び経験を有し、かつ、十分な社会的信用を有する者でなければならない。
Article 7-2(1)A person set forth in one of the following items must have the knowledge and experience specified in the relevant item, and must have sufficient social credibility:
銀行の常務に従事する取締役(指名委員会等設置会社にあつては、銀行の常務に従事する取締役及び執行役) 銀行の経営管理を的確、公正かつ効率的に遂行することができる知識及び経験
(i)a director engaged in the day-to-day operations of a bank (director and executive officer engaged in the day-to-day operations of a bank, if the bank is a company with nominating committee, etc.): the knowledge and experience required to carry out the business management of a bank appropriately, fairly, and efficiently;
銀行の監査役(監査等委員会設置会社にあつては、監査等委員) 銀行の取締役(会計参与設置会社にあつては、取締役及び会計参与)の職務の執行の監査を的確、公正かつ効率的に遂行することができる知識及び経験
(ii)company auditor of a bank (or supervisory committee member, if the bank is a company with audit and supervisory committee): the knowledge and experience required to audit the execution of duties by directors of a bank (or by directors and accounting advisors, if the bank is a company with accounting advisors), appropriately, fairly, and efficiently; and
銀行の監査委員 銀行の執行役及び取締役(会計参与設置会社にあつては、執行役、取締役及び会計参与)の職務の執行の監査を的確、公正かつ効率的に遂行することができる知識及び経験
(iii)an audit committee member of a bank: the knowledge and experience required to audit the execution of duties by executive officers and directors of a bank (or by executive officers, directors, and accounting advisors, if the bank is a company with accounting advisors), appropriately, fairly, and efficiently.
次に掲げる者は、銀行の取締役、執行役又は監査役となることができない。
(2)The following persons may not become the director, executive officer, or company auditor of a bank:
心身の故障のため職務を適正に執行することができない者として内閣府令で定める者
(i)a person specified by Cabinet Office Order as being unable to properly perform their duties due to mental or physical disorder; or
破産手続開始の決定を受けて復権を得ない者又は外国の法令上これと同様に取り扱われている者
(ii)a person subject to an order commencing bankruptcy proceedings that has not been released from bankruptcy restrictions, or a person that is treated in the same manner under foreign laws and regulations.
銀行の取締役、執行役又は監査役に対する会社法第三百三十一条第一項第三号(取締役の資格等)(同法第三百三十五条第一項(監査役の資格等)及び第四百二条第四項(執行役の選任等)において準用する場合を含む。)の規定の適用については、同号中「この法律」とあるのは、「銀行法、この法律」とする。
(3)In applying the provisions of Article 331, paragraph (1), item (iii) of the Companies Act (Qualifications of Directors) (including as applied mutatis mutandis pursuant to Article 335, paragraph (1) (Qualifications of Company Auditors) and Article 402, paragraph (4) (Election of Executive Officers) of that Act) to the director, executive officer, or company auditor of a bank, the term "this Act" in that item is deemed to be replaced with "the Banking Act, this Act".
会社法第三百三十一条第二項ただし書(取締役の資格等)(同法第三百三十五条第一項(監査役の資格等)において準用する場合を含む。)、第三百三十二条第二項(取締役の任期)(同法第三百三十四条第一項(会計参与の任期)において準用する場合を含む。)、第三百三十六条第二項(監査役の任期)及び第四百二条第五項ただし書(執行役の選任等)の規定は、銀行については、適用しない。
(4)The provisions of the proviso to Article 331, paragraph (2) (Qualifications of Directors) of the Companies Act (including as applied mutatis mutandis pursuant to Article 335, paragraph (1) (Qualifications of Company Auditors)), Article 332, paragraph (2) (Directors' Terms of Office) (including as applied mutatis mutandis pursuant to Article 334, paragraph (1) (Accounting Advisors' Terms of Office)), Article 336, paragraph (2) (Company Auditors' Terms of Office) and the proviso to Article 402, paragraph (5) (Election of Executive Officers) of that Act do not apply to a bank.
(営業所の設置等)
(Establishment of Business Offices)
第八条銀行は、日本において支店その他の営業所の設置、位置の変更(本店の位置の変更を含む。)、種類の変更又は廃止をしようとするときは、内閣府令で定める場合を除き、内閣府令で定めるところにより、内閣総理大臣に届け出なければならない。
Article 8(1)Except in cases specified by Cabinet Office Order, a bank must file a notification with the Prime Minister pursuant to the provisions of Cabinet Office Order if the bank seeks to establish a branch office or other business office in Japan, change its location (including a change in the location of its head office), change its type, or close it.
銀行は、外国において支店その他の営業所の設置、種類の変更又は廃止をしようとするときは、内閣府令で定める場合を除き、内閣府令で定めるところにより、内閣総理大臣の認可を受けなければならない。
(2)Except in cases specified by Cabinet Office Order, a bank must obtain the authorization by the Prime Minister pursuant to the provisions of Cabinet Office Order if the bank seeks to establish a branch office or other business office in a foreign country, change its type, or close it.
銀行は、第二条第十四項各号に掲げる行為を外国において委託する旨の契約を締結しようとするとき、又は当該契約を終了しようとするときは、内閣府令で定めるところにより、内閣総理大臣の認可を受けなければならない。
(3)A bank must obtain the authorization by the Prime Minister pursuant to the provisions of Cabinet Office Order if the bank seeks to conclude or terminate a contract under which it entrusts a person with an action set forth in one of the items of Article 2, paragraph (14) in a foreign country.
前項の規定は、銀行が当該銀行の子会社である外国の法令に準拠して外国において銀行業を営む者その他の内閣府令で定める者との間で同項の契約を締結しようとするとき、又は当該契約を終了しようとするときは、適用しない。この場合において、当該銀行は、内閣府令で定めるところにより、あらかじめ、内閣総理大臣に届け出なければならない。
(4)The provisions of the preceding paragraph do not apply when a bank seeks to conclude or terminate a contract referred to in that paragraph with a subsidiary company of that bank that constitutes a person engaged in banking in a foreign country in accordance with foreign laws and regulations, or with any other person specified by Cabinet Office Order. In such cases, the bank must file a notification with the Prime Minister in advance, pursuant to the provisions of Cabinet Office Order.
(名義貸しの禁止)
(Prohibition on Lending One's Name)
第九条銀行は、自己の名義をもつて、他人に銀行業を営ませてはならない。
Article 9A bank must not allow another person to engage in banking using its name.
第二章 業務
Chapter II Services
(業務の範囲)
(Scope of Services)
第十条銀行は、次に掲げる業務を営むことができる。
Article 10(1)A bank may perform the following services:
預金又は定期積金等の受入れ
(i)acceptance of deposits and installment savings, etc.;
資金の貸付け又は手形の割引
(ii)lending of funds and the discounting of negotiable instruments; and
為替取引
(iii)funds transfer transactions.
銀行は、前項各号に掲げる業務のほか、次に掲げる業務その他の銀行業に付随する業務を営むことができる。
(2)In addition to the services set forth in the items of the preceding paragraph, a bank may perform the following services and any other services incidental to banking:
債務の保証又は手形の引受け
(i)guaranteeing obligations or accepting bills;
有価証券(第五号に規定する証書をもつて表示される金銭債権に該当するもの及び短期社債等を除く。第五号の二及び第六号において同じ。)の売買(有価証券関連デリバティブ取引に該当するものを除く。)又は有価証券関連デリバティブ取引(投資の目的をもつてするもの又は書面取次ぎ行為に限る。)
(ii)conducting purchases and sales of securities (excluding securities that fall under monetary claims indicated in the form of certificates prescribed in item (v), and short-term bonds, etc.; the same applies in item (v)-2 and item (vi)) (excluding purchase and sale that falls under a transaction of securities-related derivatives) and transactions of securities-related derivatives (limited to those made for the purpose of investment or those that constitute brokerage with written orders);
有価証券の貸付け
(iii)lending securities;
国債、地方債若しくは政府保証債(以下この条において「国債等」という。)の引受け(売出しの目的をもつてするものを除く。)又は当該引受けに係る国債等の募集の取扱い
(iv)underwriting national government bonds, local government bonds, and government-guaranteed bonds (hereinafter collectively referred to as "national government bonds, etc." in this Article) (excluding underwriting that is done for the purpose of secondary distribution), and handling of public offerings of national government bonds, etc. linked to that underwriting;
金銭債権(譲渡性預金証書その他の内閣府令で定める証書をもつて表示されるものを含む。)の取得又は譲渡
(v)acquiring and transferring monetary claims (including negotiable certificates of deposits and other monetary claims indicated in the form of certificates specified by Cabinet Office Order);
五の二特定目的会社が発行する特定社債(特定短期社債を除き、資産流動化計画において当該特定社債の発行により得られる金銭をもつて金銭債権(民法(明治二十九年法律第八十九号)第三編第一章第七節第一款(指図証券)に規定する指図証券、同節第二款(記名式所持人払証券)に規定する記名式所持人払証券、同節第三款(その他の記名証券)に規定するその他の記名証券及び同節第四款(無記名証券)に規定する無記名証券に係る債権並びに電子記録債権法(平成十九年法律第百二号)第二条第一項(定義)に規定する電子記録債権を除く。以下この号において同じ。)又は金銭債権を信託する信託の受益権のみを取得するものに限る。以下この号において同じ。)その他特定社債に準ずる有価証券として内閣府令で定めるもの(以下この号において「特定社債等」という。)の引受け(売出しの目的をもつてするものを除く。)又は当該引受けに係る特定社債等の募集の取扱い
(v)-2underwriting specified bonds issued by special purpose companies (excluding specified short-term bonds, and limited to those for acquiring only a monetary claim (excluding claims for negotiable instruments payable to order prescribed in Part III, Chapter I, Section 7, Subsection 1 (Negotiable Instruments Payable to Order) of the Civil Code (Act No. 89 of 1896), registered negotiable instruments payable to holder prescribed in Subsection 2 (Registered Negotiable Instruments Payable to Holder) of that Section, other registered negotiable instruments prescribed in Subsection 3 (Other Registered Negotiable Instruments) of that Section, negotiable instruments payable to bearer prescribed in Subsection 4 (Negotiable Instruments Payable to Bearer) of that Section, and electronically recorded monetary claims as defined in Article 2, paragraph (1) (Definitions) of the Electronically Recorded Monetary Claims Act (Act No. 102 of 2007); hereinafter the same applies in this item) or a beneficiary interest in a trust into which a monetary claim is placed with the money earned through the issuance of the specified bonds under the asset securitization plan; hereinafter the same applies in this item) and any other securities specified by Cabinet Office Order as equivalent to specified bonds (hereinafter referred to as "specified bonds, etc." in this item) (excluding underwriting that is done for the purpose of secondary distribution), and handling of public offerings of specified bonds, etc. linked to that underwriting;
五の三短期社債等の取得又は譲渡
(v)-3acquiring and transferring short-term bonds, etc.;
有価証券の私募の取扱い
(vi)handling of private placements of securities;
地方債又は社債その他の債券の募集又は管理の受託
(vii)accepting entrustment of public offerings of local government bonds, corporate bonds, or other bond certificates, or entrusting their management;
銀行その他金融業を行う者(外国の法令に準拠して外国において銀行業を営む者(第四条第五項に規定する銀行等を除く。以下「外国銀行」という。)を除く。)の業務(次号に掲げる業務に該当するものを除く。)の代理又は媒介(内閣府令で定めるものに限る。)
(viii)acting as agent or intermediary (limited to those specified by Cabinet Office Order) in connection with the services of a bank or other persons engaged in financial services (excluding persons engaged in banking in a foreign country in accordance with foreign laws and regulations (excluding a bank, etc. provided for in Article 4, paragraph (5); hereinafter referred to as a "foreign bank")) (excluding services falling under the services set forth in the following item);
八の二外国銀行の業務の代理又は媒介(銀行の子会社である外国銀行の業務の代理又は媒介を当該銀行が行う場合における当該代理又は媒介その他の内閣府令で定めるものに限る。)
(viii)-2acting as agent or intermediary in connection with the services of a foreign bank (limited to agency, intermediation, and any other services specified by Cabinet Office Order when the bank acts as agent or intermediary in connection with the services of a foreign bank which is a subsidiary company of that bank);
国、地方公共団体、会社等の金銭の収納その他金銭に係る事務の取扱い
(ix)receipt of money and handling other financial affairs for the State, local public entities, companies, etc.;
有価証券、貴金属その他の物品の保護預り
(x)safe custody of securities, precious metals, and other goods;
十の二振替業
(x)-2book-entry transfer business;
十一両替
(xi)currency exchange;
十二デリバティブ取引(有価証券関連デリバティブ取引に該当するものを除く。次号において同じ。)であつて内閣府令で定めるもの(第五号に掲げる業務に該当するものを除く。)
(xii)derivatives transactions (other than those that fall under the transaction of securities-related derivatives; the same applies in the following item) that are specified by Cabinet Office Order (other than those that fall under the service set forth in item (v));
十三デリバティブ取引(内閣府令で定めるものに限る。)の媒介、取次ぎ又は代理
(xiii)acting as the intermediary, broker, or agent in derivatives transactions (limited to those specified by Cabinet Office Order);
十四金利、通貨の価格、商品の価格、算定割当量(地球温暖化対策の推進に関する法律(平成十年法律第百十七号)第二条第七項(定義)に規定する算定割当量その他これに類似するものをいう。次条第四号において同じ。)の価格その他の指標の数値としてあらかじめ当事者間で約定された数値と将来の一定の時期における現実の当該指標の数値の差に基づいて算出される金銭の授受を約する取引又はこれに類似する取引であつて内閣府令で定めるもの(次号において「金融等デリバティブ取引」という。)のうち銀行の経営の健全性を損なうおそれがないと認められる取引として内閣府令で定めるもの(第五号及び第十二号に掲げる業務に該当するものを除く。)
(xiv)transactions in which the parties promise to pay and receive an amount of money calculated based on the difference between a numerical value that the parties have agreed upon in advance as the numerical value for a money interest, value of currencies, commodity price, carbon dioxide-equivalent quota price (meaning a carbon dioxide equivalent quota as defined in Article 2, paragraph (7) (Definitions) of the Act to Promote Global Warming Countermeasures (Act No. 117 of 1998) or anything equivalent to the quota; the same applies in item (iv) of the following Article), or any other index, and the actual numerical value of that index at a fixed point of time in the future, or any equivalent transaction specified by Cabinet Office Order (referred to as a "financial derivatives transaction" in the following item) which is specified by Cabinet Office Order as a transaction that is found to be unlikely to damage the soundness of bank management (excluding transactions that fall under the service set forth in item (v) or item (xii));
十五金融等デリバティブ取引の媒介、取次ぎ又は代理(第十三号に掲げる業務に該当するもの及び内閣府令で定めるものを除く。)
(xv)acting as the intermediary, broker, or agent for financial derivatives transactions (excluding the services that fall under the services set forth in item (xiii), and excluding those specified by Cabinet Office Order);
十六有価証券関連店頭デリバティブ取引(当該有価証券関連店頭デリバティブ取引に係る有価証券が第五号に規定する証書をもつて表示される金銭債権に該当するもの及び短期社債等以外のものである場合には、差金の授受によつて決済されるものに限る。次号において同じ。)(第二号に掲げる業務に該当するものを除く。)
(xvi)securities-related over-the-counter derivatives transactions (limited to those that are settled by payment and receipt of the difference, if the securities involved in the securities-related over-the-counter derivatives transactions fall under the monetary claims that are indicated in the form of certificates prescribed in item (v) and are not short-term bonds, etc.; the same applies in the following item) (excluding transactions that fall under the service set forth in item (ii)); and
十七有価証券関連店頭デリバティブ取引の媒介、取次ぎ又は代理
(xvii)acting as the intermediary, broker, or agent for securities-related over-the-counter derivatives transactions.
十八機械類その他の物件を使用させる契約であつて次に掲げる要件の全てを満たすものに基づき、当該物件を使用させる業務
(xviii)based on the contract to have a person use machinery and other objects and that satisfy all of the following requirements, the service of having the person use the object:
契約の対象とする物件(以下この号において「リース物件」という。)を使用させる期間(以下この号において「使用期間」という。)の中途において契約の解除をすることができないものであること又はこれに準ずるものとして内閣府令で定めるものであること。
(a)the contract is one in which the parties may not cancel before the end of the period the parties use the object that is subject to the contract (hereinafter referred to as a "leased object" in this item) (hereinafter the period is referred to as the "period of use" in this item), or one that is specified by Cabinet Office Order as being equivalent to that contract;
使用期間において、リース物件の取得価額から当該リース物件の使用期間の満了の時において譲渡するとした場合に見込まれるその譲渡対価の額に相当する金額を控除した額及び固定資産税に相当する額、保険料その他当該リース物件を使用させるために必要となる付随費用として内閣府令で定める費用の合計額を対価として受領することを内容とするものであること。
(b)the contract specifies that the lessor is to receive the sum of the acquisition costs of the leased object deducting the amount corresponding to the transfer price that is expected if the leased object are to be transferred at the end of the leased object's period of use, and the amounts corresponding to the fixed asset tax, insurance premiums, and the costs specified by Cabinet Office Order as incidental costs that are required in order to have a person use the leased object, as consideration during the period of use.
使用期間が満了した後、リース物件の所有権又はリース物件の使用及び収益を目的とする権利が相手方に移転する旨の定めがないこと。
(c)the contract does not provide for ownership of the leased object or a right to use or to earn profit from the leased object to transfer to the other party, at the end of the period of use.
十九前号に掲げる業務の代理又は媒介
(xix)acting as agent or intermediary for the services set forth in the preceding item.
二十顧客から取得した当該顧客に関する情報を当該顧客の同意を得て第三者に提供する業務その他当該銀行の保有する情報を第三者に提供する業務であつて、当該銀行の営む銀行業の高度化又は当該銀行の利用者の利便の向上に資するもの
(xx)the service of providing customer information acquired from the customer to a third party with the customer's consent or any other service in which the bank provides information it holds to a third party that contributes to sophistication in the banking that the bank conducts or to enhanced convenience for bank users.
二十一当該銀行の保有する人材、情報通信技術、設備その他の当該銀行の営む銀行業に係る経営資源を主として活用して営む業務であつて、地域の活性化、産業の生産性の向上その他の持続可能な社会の構築に資する業務として内閣府令で定めるもの
(xxi)the services performed by mainly using management resources held by the bank which are related to the banking performed by the bank, such as personnel, information and communications technology, and equipment, which are specified by Cabinet Office Order as services that contribute to regional development, improvement of industrial productivity, and other services for building a sustainable society.
前項第二号、第五号の三及び第十六号並びに第六項の「短期社債等」とは、次に掲げるものをいう。
(3)The term "short-term bonds, etc." as used in item (ii), item (v)-3, and item (xvi) of the preceding paragraph and paragraph (6) means the following bonds:
社債、株式等の振替に関する法律第六十六条第一号(権利の帰属)に規定する短期社債
(i)short-term bonds prescribed in Article 66, item (i) (Vesting of Rights) of the Act on Book-Entry Transfer of Corporate Bonds and Shares;
削除
(ii)Deleted
投資信託及び投資法人に関する法律(昭和二十六年法律第百九十八号)第百三十九条の十二第一項(短期投資法人債に係る特例)に規定する短期投資法人債
(iii)short-term investment corporation bonds prescribed in Article 139-12, paragraph (1) (Special Provisions on Short-Term Investment Corporation Bonds) of the Act on Investment Trust and Investment Corporations (Act No. 198 of 1951);
信用金庫法(昭和二十六年法律第二百三十八号)第五十四条の四第一項(短期債の発行)に規定する短期債
(iv)short-term bonds prescribed in Article 54-4, paragraph (1) (Issuance of Short-Term Bonds) of the Shinkin Bank Act (Act No. 238 of 1951);
保険業法(平成七年法律第百五号)第六十一条の十第一項(短期社債に係る特例)に規定する短期社債
(v)short-term bonds prescribed in Article 61-10, paragraph (1) (Special Provisions on Short-Term Bonds) of the Insurance Business Act (Act No. 105 of 1995);
資産の流動化に関する法律(平成十年法律第百五号)第二条第八項(定義)に規定する特定短期社債
(vi)specified short-term bonds as defined in Article 2, paragraph (8) (Definitions) of the Act on Securitization of Assets (Act No. 105 of 1998);
農林中央金庫法(平成十三年法律第九十三号)第六十二条の二第一項(短期農林債の発行)に規定する短期農林債
(vii)short-term Norinchukin Bank bonds prescribed in Article 62-2, paragraph (1) (Issuance of Short-Term Agricultural and Forestry Bonds) of the Norinchukin Bank Act (Act No. 93 of 2001); and
その権利の帰属が社債、株式等の振替に関する法律の規定により振替口座簿の記載又は記録により定まるものとされる外国法人の発行する債券(新株予約権付社債券の性質を有するものを除く。)に表示されるべき権利のうち、次に掲げる要件のすべてに該当するもの
(viii)rights that are required to be indicated on bond certificates issued by a foreign corporation, which are to vest based on the entry or record in the transfer account register pursuant to the provisions of the Act on Book-Entry of Corporate Bonds and Shares, (excluding those with the nature of corporate bond certificates with share options), and which satisfy all of the following requirements:
各権利の金額が一億円を下回らないこと。
(a)the amount of each right is not to be less than 100 million yen;
元本の償還について、権利の総額の払込みのあつた日から一年未満の日とする確定期限の定めがあり、かつ、分割払の定めがないこと。
(b)a fixed due date for redemption of the principal is specified which is within one year from the day on which the total amount of the rights is paid, and there are no provisions for installment payment; and
利息の支払期限を、ロの元本の償還期限と同じ日とする旨の定めがあること。
(c)there are provisions indicating that the due date for the payment of interest is the same date as the due date for the redemption of the principal referred to in sub-item (b).
第二項第二号又は第十二号の「有価証券関連デリバティブ取引」又は「書面取次ぎ行為」とは、それぞれ金融商品取引法(昭和二十三年法律第二十五号)第二十八条第八項第六号(通則)に規定する有価証券関連デリバティブ取引又は同法第三十三条第二項(金融機関の有価証券関連業の禁止等)に規定する書面取次ぎ行為をいう。
(4)The terms "transaction of securities-related derivatives" and "brokerage with written orders" as used in paragraph (2), item (ii) or (xii) mean the transaction of securities-related derivatives as defined in Article 28, paragraph (8), item (vi) (General Rules) of the Financial Instruments and Exchange Act (Act No. 25 of 1948) and the brokerage with written orders provided for in Article 33, paragraph (2) (Prohibition on Engagement in Securities-Related Services by Financial Institutions) of that Act.
第二項第四号の「政府保証債」とは、政府が元本の償還及び利息の支払について保証している社債その他の債券をいう。
(5)The term "government-guaranteed bonds" as used in paragraph (2), item (iv) means corporate bonds and other bond certificates for which the government guarantees redemption of the principal and payment of interest.
第二項第五号に掲げる業務には同号に規定する証書をもつて表示される金銭債権のうち有価証券に該当するものについて、同項第五号の三に掲げる業務には短期社債等について、金融商品取引法第二条第八項第一号から第六号まで及び第八号から第十号まで(定義)に掲げる行為を行う業務を含むものとする。
(6)The services set forth in paragraph (2), item (v) include the services of performing the actions set forth in Article 2, paragraph (8), items (i) through (vi) and items (viii) through (x) (Definitions) of the Financial Instruments and Exchange Act for monetary claims that are indicated in the form of certificates prescribed in paragraph 2, item (v) and fall under the category of securities, and the services set forth in paragraph (2), item (v)-3 include the services of performing those actions for short-term bonds, etc.
第二項第五号の二の「特定目的会社」、「資産流動化計画」、「特定社債」又は「特定短期社債」とは、それぞれ資産の流動化に関する法律第二条第三項、第四項、第七項又は第八項に規定する特定目的会社、資産流動化計画、特定社債又は特定短期社債をいう。
(7)The terms "special purpose company," "asset securitization plan," "specified bonds," and "specified short-term bonds" as used in paragraph (2), item (v)-2 mean, a special purpose company, asset securitization plan, specified bond, or specified short-term bond as defined in Article 2, paragraph (3), paragraph (4), paragraph (7), and paragraph (8), respectively, of the Act on Securitization of Assets, respectively.
第二項第六号の「有価証券の私募の取扱い」とは、有価証券の私募(金融商品取引法第二条第三項に規定する有価証券の私募をいう。)の取扱いをいう。
(8)The term "handling of private placements of securities" as used in paragraph (2), item (vi) means handling of the private placement of securities (meaning a private placement of securities as defined in Article 2, paragraph (3) as provided for in of the Financial Instruments and Exchange Act).
第二項第十号の二の「振替業」とは、社債、株式等の振替に関する法律第二条第四項(定義)の口座管理機関として行う振替業をいう。
(9)The term "book-entry transfer business" as used in paragraph (2), item (x)-2 means the book-entry transfer business that a person performs as an account management institution referred to in Article 2, paragraph (4) (Definitions) of the Act on Book-Entry Transfer of Corporate Bonds and Shares.
10第二項第十二号若しくは第十三号の「デリバティブ取引」又は同項第十六号若しくは第十七号の「有価証券関連店頭デリバティブ取引」とは、それぞれ金融商品取引法第二条第二十項に規定するデリバティブ取引又は同法第二十八条第八項第四号に掲げる行為をいう。
(10)The term "derivatives transactions" as used in paragraph (2), items (xii) and (xiii) and the term "securities-related over-the-counter derivatives transactions" as used in paragraph (2), items (xvi) and (xvii) mean the derivatives transactions as defined in Article 2, paragraph (20) of the Financial Instruments and Exchange Act and the action set forth in Article 28, paragraph (8), item (iv) of that Act.
第十一条銀行は、前条の規定により営む業務のほか、同条第一項各号に掲げる業務の遂行を妨げない限度において、次に掲げる業務を行うことができる。
Article 11In addition to the services a bank performs pursuant to the provisions of the preceding Article, a bank may perform the following services, to the extent that this does not interfere with the performance of the services set forth in the items of paragraph (1) of that Article:
金融商品取引法第二十八条第六項(通則)に規定する投資助言業務
(i)investment advisory services as defined in Article 28, paragraph (6) (General Rules) of the Financial Instruments and Exchange Act;
金融商品取引法第三十三条第二項各号(金融機関の有価証券関連業の禁止等)に掲げる有価証券又は取引について、同項各号に定める行為を行う業務(前条第二項の規定により営む業務を除く。)
(ii)services for performing the actions provided for in the items of Article 33, paragraph (2) (Prohibition on Engagement in Securities-Related Services by Financial Institutions) of the Financial Instruments and Exchange Act for the securities or transactions set forth in the items of that paragraph (other than services performed pursuant to the provisions of paragraph (2) of the preceding Article);
信託法(平成十八年法律第百八号)第三条第三号(信託の方法)に掲げる方法によつてする信託に係る事務に関する業務
(iii)services related to trust affairs which are performed by the method set forth in Article 3, item (iii) (Methods of Creating Trusts) of the Trust Act (Act No. 108 of 2006); and
算定割当量を取得し、若しくは譲渡することを内容とする契約の締結又はその媒介、取次ぎ若しくは代理を行う業務(前条第二項の規定により営む業務を除く。)であつて、内閣府令で定めるもの
(iv)services for concluding a contract for the acquisition or transfer of carbon dioxide equivalent quotas, or services for acting as the intermediary, broker, or agent for this (other than services performed pursuant to the provisions of paragraph (2) of the preceding Article), specified by Cabinet Office Order.
第十二条銀行は、前二条の規定により営む業務及び担保付社債信託法その他の法律により営む業務のほか、他の業務を営むことができない。
Article 12A bank may not perform services other than those it conducts pursuant to the provisions of the preceding two Articles and those it conducts pursuant to the provisions of the Secured Bond Trust Act or other laws.
(預金者等に対する情報の提供等)
(Provision of Information to Depositors)
第十二条の二銀行は、預金又は定期積金等(以下この項において「預金等」という。)の受入れ(第十三条の四に規定する特定預金等の受入れを除く。)に関し、預金者等の保護に資するため、内閣府令で定めるところにより、預金等に係る契約の内容その他預金者等に参考となるべき情報の提供を行わなければならない。
Article 12-2(1)In order to contribute to the protection of depositors, etc. with regard to the acceptance of deposits or installment savings, etc. (hereinafter referred to as "deposits, etc." in this paragraph) (other than the acceptance of specified deposits, etc. as prescribed in Article 13-4), a bank must provide information on the content of contract for deposits, etc. and other information that is to serve as a reference to depositors, etc., pursuant to the provisions of Cabinet Office Order.
前項及び第十三条の四並びに他の法律に定めるもののほか、銀行は、内閣府令で定めるところにより、その業務に係る重要な事項の顧客への説明、その業務に関して取得した顧客に関する情報の適正な取扱い、その業務を第三者に委託する場合における当該業務の的確な遂行その他の健全かつ適切な運営を確保するための措置を講じなければならない。
(2)Beyond what is provided for in the preceding paragraph, Article 13-4, and other laws, a bank must explain the material matters of its services to customers, appropriately handle customer information it acquires in the course of its services, take measures to ensure precise execution of its services in entrusting them to a third party, and take other measures to ensure sound and appropriate management of its services, pursuant to the provisions of Cabinet Office Order.
前項の規定(銀行がその業務を第三者に委託する場合における当該業務の的確な遂行を確保するための措置に関する部分に限る。)は、次に掲げる場合には、適用しない。
(3)The provisions of the preceding paragraph (limited to the parts concerning measures to be taken by a bank to ensure appropriate execution of its services in entrusting them to a third party) do not apply to the following cases:
銀行持株会社グループ(銀行持株会社及びその子会社の集団をいう。以下この項、第五十二条の二十一及び第五十二条の二十一の二第一項において同じ。)に属する二以上の会社(銀行を含む場合に限る。)が当該銀行持株会社グループに属する他の会社に当該二以上の会社に共通する業務を委託する場合(当該銀行持株会社グループに属する銀行持株会社(当該銀行持株会社グループの経営管理(第五十二条の二十一第四項に規定する経営管理をいう。)を行うものに限る。次号において同じ。)が、内閣府令で定めるところにより、当該業務の的確な遂行を確保するための措置を講ずる場合に限る。)
(i)if two or more companies (limited to cases in which the companies include a bank) that belong to a bank holding company group (meaning a group consisting of a bank holding company and its subsidiary companies; the same applies in this paragraph, Article 52-21, and Article 52-21-2, paragraph (1)) entrust their common services to another company that belongs to the bank holding company group (limited to cases in which the bank holding company that belongs to the bank holding company group (limited to one that carries out business management (meaning business management prescribed in Article 52-21, paragraph (4)) of the bank holding company group; the same applies in the following item) takes measures to ensure precise execution of its services pursuant to the provisions of Cabinet Office Order); or
銀行持株会社グループに属する二以上の会社(銀行を含む場合に限る。)が当該銀行持株会社グループに属する銀行持株会社に当該二以上の会社に共通する業務を委託する場合
(ii)if two or more companies (limited to cases in which the companies include a bank) that belong to a bank holding company group entrust their common services to the bank holding company that belongs to the bank holding company group.
(指定銀行業務紛争解決機関との契約締結義務等)
(Obligation to Conclude a Contract with a Designated Dispute Resolution Organization for Banking Services)
第十二条の三銀行は、次の各号に掲げる場合の区分に応じ、当該各号に定める措置を講じなければならない。
Article 12-3(1)A bank must take the measures specified in the following items in accordance with the category of cases set forth in each of those items:
指定銀行業務紛争解決機関(指定紛争解決機関であつてその紛争解決等業務の種別が銀行業務であるものをいう。以下この条において同じ。)が存在する場合 一の指定銀行業務紛争解決機関との間で手続実施基本契約を締結する措置
(i)if there is a designated dispute resolution organization for banking services (meaning a designated dispute resolution organization for which the type of dispute resolution services is banking services; hereinafter the same applies in this Article): measures to conclude a basic contract for the implementation of dispute resolution procedures with a single designated dispute resolution organization for banking services; and
指定銀行業務紛争解決機関が存在しない場合 銀行業務に関する苦情処理措置(顧客からの苦情の処理の業務に従事する使用人その他の従業者に対する助言若しくは指導を第五十二条の七十三第三項第三号に掲げる者に行わせること又はこれに準ずるものとして内閣府令で定める措置をいう。)及び紛争解決措置(顧客との紛争の解決を認証紛争解決手続(裁判外紛争解決手続の利用の促進に関する法律(平成十六年法律第百五十一号)第二条第三号(定義)に規定する認証紛争解決手続をいう。)により図ること又はこれに準ずるものとして内閣府令で定める措置をいう。)
(ii)if there is no designated dispute resolution organization for banking services: complaint processing measures (meaning measures for having a person set forth in Article 52-73, paragraph (3), item (iii) provide advice or guidance to the employee or any other workers engaged in the job of processing complaints from customers, or any other measures specified by Cabinet Office Order as being equivalent to this) and dispute resolution measures (meaning measures for resolving a dispute with customers through certified dispute resolution procedures (certified dispute resolution procedures as defined in Article 2, item (iii) (Definitions) of the Act on Promotion of Use of Alternative Dispute Resolution (Act No. 151 of 2004)) or any other measures specified by Cabinet Office Order as being equivalent to them), in connection with banking services.
銀行は、前項の規定により手続実施基本契約を締結する措置を講じた場合には、当該手続実施基本契約の相手方である指定銀行業務紛争解決機関の商号又は名称を公表しなければならない。
(2)If a bank takes measures to conclude a basic contract for the implementation of dispute resolution procedures pursuant to the provisions of the preceding paragraph, it must publicize the trade name or name of the designated dispute resolution organization for banking services that is the other party to the basic contract for the implementation of dispute resolution procedures.
第一項の規定は、次の各号に掲げる場合の区分に応じ、当該各号に定める期間においては、適用しない。
(3)The provisions of paragraph (1) do not apply to the period specified in the following items in accordance with the category of cases set forth in each of those items:
第一項第一号に掲げる場合に該当していた場合において、同項第二号に掲げる場合に該当することとなつたとき 第五十二条の八十三第一項の規定による紛争解決等業務の廃止の認可又は第五十二条の八十四第一項の規定による指定の取消しの時に、同号に定める措置を講ずるために必要な期間として内閣総理大臣が定める期間
(i)if the case that had fallen under the case set forth in paragraph (1), item (i) has come to fall under the case set forth in item (ii) of that paragraph: the period that the Prime Minister specifies as the period necessary for taking the measures specified in paragraph (1), item (ii) at the time of granting the authorization to discontinue dispute resolution services pursuant to the provisions of Article 52-83, paragraph (1) or of revoking the designation pursuant to the provisions of Article 52-84, paragraph (1);
第一項第一号に掲げる場合に該当していた場合において、同号の一の指定銀行業務紛争解決機関の紛争解決等業務の廃止が第五十二条の八十三第一項の規定により認可されたとき、又は同号の一の指定銀行業務紛争解決機関の第五十二条の六十二第一項の規定による指定が第五十二条の八十四第一項の規定により取り消されたとき(前号に掲げる場合を除く。) その認可又は取消しの時に、第一項第一号に定める措置を講ずるために必要な期間として内閣総理大臣が定める期間
(ii)if the case that had fallen under the case set forth in paragraph (1), item (i), has been granted the authorization to discontinue the dispute resolution services of the single designated dispute resolution organization for banking services referred to in that item pursuant to the provisions of Article 52-83, paragraph (1), or the designation pursuant to the provisions of Article 52-62, paragraph (1) of the single designated dispute resolution organization for banking services referred to in that item has been revoked pursuant to the provisions of Article 52-84, paragraph (1) (excluding the cases set forth in the preceding item): the period that the Prime Minister specifies as the period necessary for taking the measures specified in paragraph (1), item (i) at the time of granting the authorization or making the revocation; and
第一項第二号に掲げる場合に該当していた場合において、同項第一号に掲げる場合に該当することとなつたとき 第五十二条の六十二第一項の規定による指定の時に、同号に定める措置を講ずるために必要な期間として内閣総理大臣が定める期間
(iii)if the case that had fallen under the case set forth in paragraph (1), item (ii) has come to fall under the case set forth in item (i) of that paragraph: the period that the Prime Minister specifies as the period necessary for taking the measures specified in item (i) of that paragraph at the time of making the designation pursuant to the provisions of Article 52-62, paragraph (1).
(無限責任社員等となることの禁止)
(Prohibition Against Becoming a Member with Unlimited Liability)
第十二条の四銀行は、持分会社の無限責任社員又は業務を執行する社員となることができない。
Article 12-4A bank may not become a member with unlimited liability of a membership company or a member in charge of executing the business of a membership company.
(同一人に対する信用の供与等)
(Granting Credit or Making Financial Contribution to a Single Person)
第十三条銀行の同一人(当該同一人と政令で定める特殊の関係のある者を含む。以下この条において同じ。)に対する信用の供与等(信用の供与又は出資(信用の供与又は出資に相当するものを含む。)として政令で定めるものをいう。以下この条において同じ。)の額は、政令で定める区分ごとに、当該銀行の自己資本の額に政令で定める率を乗じて得た額(以下この条において「信用供与等限度額」という。)を超えてはならない。ただし、信用の供与等を受けている者が合併をし、共同新設分割(二以上の株式会社又は合同会社が共同してする新設分割をいう。第十六条の四第四項第四号及び第五十二条の二十二第一項において同じ。)若しくは吸収分割をし、又は事業を譲り受けたことにより銀行の同一人に対する信用の供与等の額が信用供与等限度額を超えることとなる場合その他政令で定めるやむを得ない理由がある場合において、内閣総理大臣の承認を受けたときは、この限りでない。
Article 13(1)The amount of credit to be granted and financial contribution to be made (meaning granting of credit or making of financial contributions (including anything equivalent to grant of credit or the making of financial contribution) as specified by Cabinet Order; hereinafter the same applies in this Article) by a bank to one person (including any other person that has a unique relationship specified by Cabinet Order with that person; hereinafter the same applies in this Article) must not exceed the amount arrived at by multiplying the amount of the bank's equity capital by the percentage specified by Cabinet Order for each of the category specified by Cabinet Order (hereinafter the amount is referred to as the "maximum amount of credit and contribution" in this Article); provided, however, that this does not apply when the total amount of credit granted and financial contribution made by a bank to one person exceeds the maximum amount of credit and contribution as a result of a merger, joint incorporation-type split (meaning an incorporation-type split in which two or more stock companies or limited liability companies jointly implement; the same applies in Article 16-4, paragraph (4), item (iv) and Article 52-22, paragraph (1)), absorption-type split, or acquisition of business by the person to which the credit is granted and financial contribution is made, or due to compelling reasons as specified by Cabinet Order, with the approval by the Prime Minister.
銀行が子会社(内閣府令で定める会社を除く。)その他の当該銀行と内閣府令で定める特殊の関係のある者(以下この条において「子会社等」という。)を有する場合には、当該銀行及び当該子会社等又は当該子会社等の同一人に対する信用の供与等の額は、政令で定める区分ごとに、合算して、当該銀行及び当該子会社等の自己資本の純合計額に政令で定める率を乗じて得た額(以下この条において「合算信用供与等限度額」という。)を超えてはならない。この場合においては、前項ただし書の規定を準用する。
(2)If a bank has a subsidiary company (other than one specified by Cabinet Office Order) or other persons that has a unique relationship specified by Cabinet Office Order with the bank (hereinafter referred to as a "subsidiary company, etc." in this Article), the total amount of credit granted and financial contribution made to one person by the bank and its subsidiary company, etc. together or by its subsidiary company, etc. must not exceed the amount arrived at by multiplying the total net amount of the equity capital of the bank and its subsidiary company, etc. by the percentage specified by Cabinet Order for each of the category specified by Cabinet Order (hereinafter referred to as the "consolidated maximum amount of credit and contribution" in this Article). In such a case, the provisions of the proviso to the preceding paragraph apply mutatis mutandis.
前二項の規定は、次に掲げる信用の供与等については、適用しない。
(3)The provisions of the preceding two paragraphs do not apply to the granting of credit and making of financial contribution in the following cases:
国及び地方公共団体に対する信用の供与、政府が元本の返済及び利息の支払について保証している信用の供与その他これらに準ずるものとして政令で定める信用の供与等
(i)the granting of credit to the State or a local public entity, the granting of credit for which redemption of the principal and payment of interest are guaranteed by the government, and granting of credit and making of financial contribution specified by Cabinet Order as being equivalent to these; and
信用の供与等を行う銀行又はその子会社等と実質的に同一と認められる者に対する信用の供与等その他の政令で定める信用の供与等
(ii)the granting of credit and making of financial contribution to a person that is found to be substantially the same as a bank that grants credit and makes financial contribution or its subsidiary company, etc., and any other granting of credit and making of financial contribution specified by Cabinet Order.
第二項の場合において、銀行及びその子会社等又はその子会社等の同一人に対する信用の供与等の合計額が合算信用供与等限度額を超えることとなつたときは、その超える部分の信用の供与等の額は、当該銀行の信用の供与等の額とみなす。
(4)In the case referred to in paragraph (2), if the total amount of credit that has been granted and financial contribution that has been made to one person by the bank and its subsidiary company, etc. together or by its subsidiary company, etc. exceeds the consolidated maximum amount of credit and contribution, the excess amount for which credit has been granted and financial contribution has been made is deemed to be an amount of credit that has been granted and financial contribution that has been made by that bank.
いかなる名義をもつてするかを問わず、又はいかなる方法をもつてするかを問わず、銀行又はその子会社等が第一項本文又は第二項前段の規定の適用を免れる目的で信用の供与等を行つた場合であつて、名義人以外の者が実質的に当該信用の供与等を受けるときは、当該信用の供与等は、銀行又はその子会社等の実質的に当該信用の供与等を受ける者に対する信用の供与等として、これらの規定を適用する。
(5)Irrespective of the name used or the means used, if a bank or its subsidiary company, etc. has granted credit and has made financial contribution for the purpose of evading the application of the provisions of the main clause of paragraph (1) or the first sentence of paragraph (2), and a person other than the named person is the one to which the credit is substantially granted or the financial contribution is substantially made, the granting of credit or the making of financial contribution is deemed to be the credit substantially granted or financial contribution substantially made to the person to which the credit is granted or financial contribution is made by the bank or its subsidiary company, etc., and the aforementioned provisions apply.
前各項に定めるもののほか、信用の供与等の額、第一項に規定する自己資本の額、信用供与等限度額、第二項に規定する自己資本の純合計額及び合算信用供与等限度額の計算方法その他第一項及び第二項の規定の適用に関し必要な事項は、内閣府令で定める。
(6)Beyond what is provided for in the preceding paragraphs, Cabinet Order prescribes the amount of credit to be granted and financial contribution to be made, the amount of equity capital prescribed in paragraph (1), the maximum amount of credit and contribution, the total net amount of the equity capital prescribed in paragraph (2), the consolidated maximum amount of credit and contribution, and the particulars necessary for applying the provisions of paragraphs (1) and (2).
(特定関係者との間の取引等)
(Transactions with Specified Related Parties)
第十三条の二銀行は、その特定関係者(当該銀行の子会社、当該銀行の銀行主要株主、当該銀行を子会社とする銀行持株会社、当該銀行持株会社の子会社(当該銀行を除く。)、当該銀行を所属銀行とする銀行代理業者その他の当該銀行と政令で定める特殊の関係のある者をいう。以下この条及び次条において同じ。)又はその特定関係者の顧客との間で、次に掲げる取引又は行為をしてはならない。ただし、当該取引若しくは行為をすることにつき内閣府令で定めるやむを得ない理由がある場合において、内閣総理大臣の承認を受けたとき、又は当該銀行を子会社とする銀行持株会社(他の銀行又は銀行持株会社の子会社でないものに限る。)の子会社(当該銀行以外の銀行に限る。)との間で当該取引若しくは行為を行う場合において、当該銀行の経営の健全性を損なうおそれがないことその他の内閣府令で定める要件を満たすものとして内閣総理大臣の承認を受けたときは、この限りでない。
Article 13-2A bank must not conduct the following transactions or actions with its specified related party (meaning a subsidiary company of the bank, the bank's major shareholder, a bank holding company that has the bank as its subsidiary company, a subsidiary company of the bank holding company (excluding the bank), or a bank agent that has the bank as its principal bank, and other persons that have a unique relationship specified by Cabinet Order with the bank; hereinafter the same applies in this Article and the following Article) or with the customer of its specified related party; provided, however, that this does not apply if there is a compelling reason specified by Cabinet Office Order for the bank to conduct the transaction or the action and the bank has obtained the approval of the Prime Minister, or if the bank conducts the transaction or the action with a subsidiary company of the bank holding company (limited to one that is not a subsidiary company of any other bank or bank holding company) that has the bank in question as its subsidiary company (limited to a bank other than that bank), and this has been approved by the Prime Minister as being unlikely to damage the sound management of the bank or as satisfying other requirements specified by Cabinet Office Order:
当該特定関係者との間で行う取引で、その条件が当該銀行の取引の通常の条件に照らして当該銀行に不利益を与えるものとして内閣府令で定める取引
(i)a transaction conducted with the specified related party which is specified by Cabinet Office Order as having the terms and conditions that are disadvantageous to the bank in light of the normal terms and conditions under which the bank conducts transactions; and
当該特定関係者との間又は当該特定関係者の顧客との間で行う取引又は行為のうち前号に掲げるものに準ずる取引又は行為で、当該銀行の業務の健全かつ適切な遂行に支障を及ぼすおそれのあるものとして内閣府令で定める取引又は行為
(ii)a transaction or action conducted with the specified related party or with the customer of the specified related party which is equivalent to the transaction or action set forth in the preceding item, and which is specified by Cabinet Office Order as being likely to impair the sound and appropriate performance of that bank's services.
(銀行の業務に係る禁止行為)
(Prohibited Action Concerning a Bank's Services)
第十三条の三銀行は、その業務に関し、次に掲げる行為(第十三条の四に規定する特定預金等契約の締結の業務に関しては、第四号に掲げる行為を除く。)をしてはならない。
Article 13-3A bank must not engage in any of the following actions in connection with its services (for services involved in entering into a contract for specified deposit, etc. prescribed in Article 13-4, excluding the action set forth in item (iv)):
顧客に対し、虚偽のことを告げる行為
(i)conveying false information to a customer;
顧客に対し、不確実な事項について断定的判断を提供し、又は確実であると誤認させるおそれのあることを告げる行為
(ii)providing a customer with a conclusive assessment with regard to a matter that is uncertain, or with information that is likely to mislead the customer into believing that an uncertain matter is actually certain;
顧客に対し、当該銀行又は当該銀行の特定関係者その他当該銀行と内閣府令で定める密接な関係を有する者の営む業務に係る取引を行うことを条件として、信用を供与し、又は信用の供与を約する行為(顧客の保護に欠けるおそれがないものとして内閣府令で定めるものを除く。)
(iii)granting or promising to grant credit to a customer on the condition that the customer conducts a transaction connected with the services performed by the bank, a specified related party of that bank, or a person that has a close relationship specified by Cabinet Office Order with that bank (excluding actions specified by Cabinet Office Order as being unlikely to result in insufficient customer protection); and
前三号に掲げるもののほか、顧客の保護に欠けるおそれがあるものとして内閣府令で定める行為
(iv)beyond what is set forth in the preceding three items, actions specified by Cabinet Office Order as being likely to result in insufficient customer protection.
(顧客の利益の保護のための体制整備)
(Establishment of a System for Protecting the Customers' Interests)
第十三条の三の二銀行は、当該銀行、当該銀行を所属銀行とする銀行代理業者又は当該銀行の親金融機関等若しくは子金融機関等が行う取引に伴い、当該銀行、当該銀行を所属銀行とする銀行代理業者又は当該銀行の子金融機関等が行う業務(銀行業、銀行代理業その他の内閣府令で定める業務に限る。)に係る顧客の利益が不当に害されることのないよう、内閣府令で定めるところにより、当該業務に関する情報を適正に管理し、かつ、当該業務の実施状況を適切に監視するための体制の整備その他必要な措置を講じなければならない。
Article 13-3-2(1)A bank must properly manage information about the services and establish a system for properly supervising the implementation status of the services and take other necessary measures pursuant to the provisions of Cabinet Office Order, in order to ensure that the interests of the customers in relation to the services are not unjustly impaired regarding services (limited to the banking, bank agency services, and other services specified by Cabinet Office Order) provided by a bank, a bank agent that has the bank as its principal bank, or the subsidiary financial institution of the bank in connection with transactions conducted by the bank, the bank agent that has the bank as its principal bank, or the parent financial institution etc., or the subsidiary financial institution, etc. of the bank.
前項の「親金融機関等」とは、銀行の総株主の議決権の過半数を保有している者その他の当該銀行と密接な関係を有する者として政令で定める者のうち、銀行、金融商品取引業者(金融商品取引法第二条第九項(定義)に規定する金融商品取引業者をいう。以下同じ。)、保険会社(保険業法第二条第二項(定義)に規定する保険会社をいう。以下同じ。)その他政令で定める金融業を行う者をいう。
(2)The term "parent financial institution, etc." as used in the preceding paragraph means a bank, financial instruments business operator (meaning a financial instruments business operator as defined in Article 2, paragraph (9) (Definitions) of the Financial Instruments and Exchange Act; the same applies hereinafter), insurance company (meaning an insurance company as defined in Article 2, paragraph (2) (Definitions) of the Insurance Business Act; the same applies hereinafter), or other persons engaged in financial services specified by Cabinet Order, which Cabinet Order prescribes as holding the majority of the total shareholder voting rights in the relevant bank or as other persons that have a close relationship with that bank.
第一項の「子金融機関等」とは、銀行が総株主等の議決権の過半数を保有している者その他の当該銀行と密接な関係を有する者として政令で定める者のうち、銀行、金融商品取引業者、保険会社その他政令で定める金融業を行う者をいう。
(3)The term "subsidiary financial institution, etc." as used in paragraph (1) means a bank, financial instruments business operator, insurance company, or other persons engaged in financial services specified by Cabinet Order, in which Cabinet Order prescribes that the relevant bank holds the majority of the total shareholder or investor voting rights or which Cabinet Order prescribes as other persons that have a close relationship with that bank.
金融商品取引法の準用)
(Application, Mutatis Mutandis of the Financial Instruments and Exchange Act)
第十三条の四金融商品取引法第三章第一節第五款(第三十四条の二第六項から第八項まで(特定投資家が特定投資家以外の顧客とみなされる場合)並びに第三十四条の三第五項及び第六項(特定投資家以外の顧客である法人が特定投資家とみなされる場合)を除く。)(特定投資家)、同章第二節第一款(第三十五条から第三十六条の四まで(第一種金融商品取引業又は投資運用業を行う者の業務の範囲、第二種金融商品取引業又は投資助言・代理業のみを行う者の兼業の範囲、業務管理体制の整備、顧客に対する誠実義務、標識の掲示、名義貸しの禁止、社債の管理の禁止等)、第三十七条第一項第二号(広告等の規制)、第三十七条の二(取引態様の事前明示義務)、第三十七条の三第一項第二号及び第六号並びに第三項(契約締結前の書面の交付)、第三十七条の五(保証金の受領に係る書面の交付)、第三十七条の七(指定紛争解決機関との契約締結義務等)、第三十八条第一号、第二号、第七号及び第八号並びに第三十八条の二(禁止行為)、第三十九条第三項ただし書、第四項、第六項及び第七項(損失補填等の禁止)並びに第四十条の二から第四十条の七まで(最良執行方針等、分別管理が確保されていない場合の売買等の禁止、金銭の流用が行われている場合の募集等の禁止、特定投資家向け有価証券の売買等の制限、特定投資家向け有価証券に関する告知義務、のみ行為の禁止、店頭デリバティブ取引に関する電子情報処理組織の使用義務等)を除く。)(通則)及び第四十五条(第三号及び第四号を除く。)(雑則)の規定は、銀行が行う特定預金等契約(特定預金等(金利、通貨の価格、同法第二条第十四項に規定する金融商品市場における相場その他の指標に係る変動によりその元本について損失が生ずるおそれがある預金又は定期積金等として内閣府令で定めるものをいう。)の受入れを内容とする契約をいう。以下同じ。)の締結について準用する。この場合において、これらの規定中「金融商品取引契約」とあるのは「特定預金等契約」と、「金融商品取引業」とあるのは「特定預金等契約の締結の業務」と、これらの規定(同法第三十四条の規定を除く。)中「金融商品取引行為」とあるのは「特定預金等契約の締結」と、同法第三十四条中「顧客を相手方とし、又は顧客のために金融商品取引行為(第二条第八項各号に掲げる行為をいう。以下同じ。)を行うことを内容とする契約」とあるのは「銀行法第十三条の四に規定する特定預金等契約」と、同法第三十七条の三第一項中「交付しなければならない」とあるのは「交付するほか、預金者等(銀行法第二条第五項に規定する預金者等をいう。以下この項において同じ。)の保護に資するため、内閣府令で定めるところにより、当該特定預金等契約の内容その他預金者等に参考となるべき情報の提供を行わなければならない」と、同法第三十九条第一項第一号中「有価証券の売買その他の取引(買戻価格があらかじめ定められている買戻条件付売買その他の政令で定める取引を除く。)又はデリバティブ取引(以下この条において「有価証券売買取引等」という。)」とあるのは「特定預金等契約の締結」と、「有価証券又はデリバティブ取引(以下この条において「有価証券等」という。)」とあるのは「特定預金等契約」と、「顧客(信託会社等(信託会社又は金融機関の信託業務の兼営等に関する法律第一条第一項の認可を受けた金融機関をいう。以下同じ。)が、信託契約に基づいて信託をする者の計算において、有価証券の売買又はデリバティブ取引を行う場合にあつては、当該信託をする者を含む。以下この条において同じ。)」とあるのは「顧客」と、「補足するため」とあるのは「補足するため、当該特定預金等契約によらないで」と、同項第二号中「有価証券売買取引等」とあるのは「特定預金等契約の締結」と、「有価証券等」とあるのは「特定預金等契約」と、「追加するため」とあるのは「追加するため、当該特定預金等契約によらないで」と、同項第三号中「有価証券売買取引等」とあるのは「特定預金等契約の締結」と、「有価証券等」とあるのは「特定預金等契約」と、「追加するため、」とあるのは「追加するため、当該特定預金等契約によらないで」と、同条第二項中「有価証券売買取引等」とあるのは「特定預金等契約の締結」と、同条第三項中「原因となるものとして内閣府令で定めるもの」とあるのは「原因となるもの」と、同法第四十五条第二号中「第三十七条の二から第三十七条の六まで、第四十条の二第四項及び第四十三条の四」とあるのは「第三十七条の三(第一項の書面の交付に係る部分に限り、同項第二号及び第六号並びに第三項を除く。)、第三十七条の四及び第三十七条の六」と読み替えるものとするほか、必要な技術的読替えは、政令で定める。
Article 13-4The provisions of Chapter III, Section 1, Subsection 5 of the Financial Instruments and Exchange Act (excluding Article 34-2, paragraphs (6) through (8) (Cases in Which a Professional Investor Is Deemed to Be a Customer Other Than a Professional Investor) and Article 34-3, paragraphs (5) and (6) (When a Customer Other than a Professional Investor Is a Corporation and That Corporation Is Deemed to Be a Professional Investor)) (Professional Investors); Section 2, Subsection 1 of that Chapter (excluding Articles 35 through 36-4 (Scope of Services for Persons Engaged in Type-I Financial Instruments Business or Investment Management Business; Scope of Concurrent Business by Persons Only Engage in Type-II Financial Instruments Business or Investment Advisory and Agency Business; Establishment of an Operational Control System; Duty of Sincerity to Customers, Posting Signs, Prohibition on Lending One's Name, and Prohibition on Corporate Bond Management), Article 37, paragraph (1), item (ii) (Regulation of Advertising); Article 37-2 (Obligation to Clarify the Conditions of Transactions in Advance); Article 37-3, paragraph (1), items (ii) and (vi) and paragraph (3) (Delivery of Documents Prior to the Conclusion of a Contract); Article 37-5 (Delivery of Documents in Connection with the Receipt of a Security Deposit); Article 37-7 (Obligation to Conclude a Contract with a Designated Dispute Resolution Organization); Article 38, items (i), (ii), (vii) and (viii), Article 38-2 (Prohibited Actions); the proviso to Article 39, paragraph (3), and paragraphs (4), (6) and (7) of that Article (Prohibition on Compensation of Loss); Articles 40-2 through 40-7 (excluding Best Execution Policy; Prohibition of Purchase and Sale If Separate Management Is Not Ensured; Prohibition of Public Offering If Money Has Been Diverted; Restrictions on the Purchase and Sale of Securities for Professional Investors, Obligation to Notify in Connection with Securities for Professional Investors, Prohibition of Trading Against Self, Obligation to Use an Electronic Data Processing System for Over-the-Counter Transactions of Derivatives)) (General Rules); and provisions of Article 45 (excluding items (iii) and (iv)) (Miscellaneous Provisions) of the Financial Instruments and Exchange Act apply mutatis mutandis to a bank's conclusion of a contract for specified deposit, etc. (meaning a contract for the acceptance of specified deposits, etc. (meaning those that are specified by Cabinet Office Order as deposits or installment savings, etc. that carry the risk of a loss of the principal due to fluctuations in the money rate, value of currencies, quotations on a financial instruments market as defined in Article 2, paragraph (14) of that Act, or any other index); the same applies hereinafter). In such a case, the term "financial instruments transaction contract" in these provisions is deemed to be replaced with "contract for specified deposit, etc."; the term "financial instruments business" in these provisions is deemed to be replaced with "services involved in entering into a contract for specified deposit, etc."; the phrase "act that constitutes a financial instruments transaction" in these provisions (excluding the provisions of Article 34 of that Act) is deemed to be replaced with "conclusion of a contract for specified deposit, etc."; the phrase "contract for the financial instruments business operator, etc. to perform an act that constitutes a financial instruments transaction (meaning an act set forth in the items of Article 2, paragraph (8); the same applies hereinafter) with the customer as the other party or on behalf of the customer" in Article 34 of that Act is deemed to be replaced with "contract for specified deposit, etc. prescribed in Article 13-4 of the Banking Act"; the term "must be delivered" in Article 37-3, paragraph (1) of that Act is deemed to be replaced with "in addition to the delivery, in order to contribute to the protection of depositors, etc. (meaning depositors, etc. as defined in Article 2, paragraph (5) of the Banking Act; hereinafter the same applies in this paragraph), must provide the customer with information on the content of the contract for specified deposit, etc. and other information that is to serve as a reference to the depositors, etc. pursuant to the provisions of Cabinet Office Order"; the phrase in Article 39, paragraph (1), item (i) of that Act, "a purchase and sale or other transaction of securities (excluding a purchase and sale with a repurchase requirement and a predetermined repurchase price, and other transactions specified by Cabinet Order) or a derivatives transaction (hereinafter referred to as a "purchase and sale or other transaction of securities, etc." in this Article)" is deemed to be replaced with "the entry into a contract for specified deposit, etc.", the phrase "securities or derivatives transaction (hereinafter referred to as 'securities, etc.' in this Article)" is deemed to be replaced with "contract for specified deposit, etc.", the phrase "customer (if a trust company, etc. (meaning a trust company or a financial institution that has obtained the authorization referred to in Article 1, paragraph (1) of the Act on Engagement in Trust Business Activities by Financial Institutions; the same applies hereinafter) conducts the purchase and sale of securities or a derivatives transaction on the account of a person that establishes a trust based on a trust contract, this includes the person that establishes the trust; hereinafter the same applies in this Article)" is deemed to be replaced with "customer", and the phrase "to supplement its profits" is deemed to be replaced with "to supplement its profits, other than as under the contract for specified deposit, etc."; in Article 39, paragraph (1), item (ii) of that Act, the term "a purchase and sale or other transaction of securities, etc." is deemed to be replaced with "the conclusion of a contract for specified deposit, etc.", the term "securities, etc." is deemed to be replaced with "contract for specified deposit, etc." and the phrase "in order to add to the profit" is deemed to be replaced with "in order to add to the profit that the customer has accrued in connection with those securities, etc., other than as under the specified deposit, etc. contract"; in item (iii) of that paragraph, the term "purchase and sale or other transactions of securities, etc." is deemed to be replaced with "the entry into a contract for specified deposit, etc.", in paragraph (2) of that Article, the term "a purchase and sale or other transaction of securities, etc." is deemed to be replaced with "the conclusion of a contract for specified deposit, etc."; in paragraph (2) of that Article, the phrase "which is specified by Cabinet Office Order as a potential cause of" is deemed to be replaced with "which is a potential cause of"; in Article 45, item (ii) of that Act the phrase "Articles 37-2 through 37-6; Article 40-2, paragraph (4); and Article 43-4" is deemed to be replaced with "Article 37-3 (limited to the part related to delivery of a document set forth in paragraph (1) and excluding items (ii) and (vi) of that paragraph and paragraph (3)); Article 37-4; and Article 37-6"; and any other necessary technical replacement of terms is specified by Cabinet Order.
(取締役等に対する信用の供与)
(Granting of Credit to Directors)
第十四条銀行の取締役又は執行役が当該銀行から受ける信用の供与については、その条件が、当該銀行の信用の供与の通常の条件に照らして、当該銀行に不利益を与えるものであつてはならない。
Article 14(1)A bank must not grant credit to the director or executive officer of the bank under terms and conditions that are disadvantageous to the bank in light of the normal terms and conditions under which the bank grants credit.
銀行の取締役又は執行役が当該銀行から信用の供与を受ける場合における会社法第三百六十五条第一項(競業及び取締役会設置会社との取引等の制限)の規定により読み替えて適用する同法第三百五十六条第一項(競業及び利益相反取引の制限)の規定及び同法第四百十九条第二項(執行役の監査委員に対する報告義務等)において準用する同法第三百五十六条第一項の規定による取締役会の承認に対する同法第三百六十九条第一項(取締役会の決議)の規定の適用については、同項中「その過半数(これを上回る割合を定款で定めた場合にあっては、その割合以上)」とあるのは、「その三分の二(これを上回る割合を定款で定めた場合にあっては、その割合)以上に当たる多数」とする。
(2)In applying the provisions of Article 369, paragraph (1) (Resolution of Board of Directors Meetings) of the Companies Act to the approval by the board of directors under Article 356, paragraph (1) (Restrictions on Competition and Conflicting Interest Transactions) of that Act as applied following the deemed replacement of the terms pursuant to Article 365, paragraph (1) (Restrictions on Competition and Transactions with Companies with Board of Directors) of that Act and to the approval by the board of directors under Article 356, paragraph (1) of that Act as applied mutates mutandis pursuant to Article 419, paragraph (2) (Executive Officer's Duty to Report to Audit Committee Members) of that Act when a bank director or executive officer is granted credit by that bank, the term "the majority (when a higher percentage is specified in the articles of incorporation, percentage higher than that percentage)" in that paragraph is deemed to be replaced with "at least a two-thirds majority (when a higher percentage is specified in the articles of incorporation, that percentage)".
(経営の健全性の確保)
(Ensuring Sound Management)
第十四条の二内閣総理大臣は、銀行の業務の健全な運営に資するため、銀行がその経営の健全性を判断するための基準として次に掲げる基準その他の基準を定めることができる。
Article 14-2In order to contribute to the sound management of a bank's services, the Prime Minister may establish the following criteria and other criteria as the criteria for a bank to use in determining the soundness of its management:
銀行の保有する資産等に照らし当該銀行の自己資本の充実の状況が適当であるかどうかの基準
(i)criteria on whether the adequacy of equity capital of the bank is appropriate in light of the assets owned by that bank, etc.; and
銀行及びその子会社その他の当該銀行と内閣府令で定める特殊の関係のある会社(以下この号、第三章及び第四章において「子会社等」という。)の保有する資産等に照らし当該銀行及びその子会社等の自己資本の充実の状況が適当であるかどうかの基準
(ii)criteria on whether the adequacy of equity capital of the bank, its subsidiary company, and other companies which has a unique relationship with the bank as specified by Cabinet Office Order (hereinafter referred to as a "subsidiary company, etc." in this item, Chapter III, and Chapter IV), are appropriate in light of the assets owned by the bank and its subsidiary companies, etc.
(休日及び営業時間)
(Non-Business Days and Business Hours)
第十五条銀行の休日は、日曜日その他政令で定める日に限る。
Article 15(1)A bank's non-business days are limited to Sundays and other days specified by Cabinet Order.
銀行の営業時間は、金融取引の状況等を勘案して内閣府令で定める。
(2)A bank's business hours are specified by Cabinet Office Order in consideration of the status of financial transactions, etc.
(臨時休業等)
(Temporary Suspension of Business)
第十六条銀行は、内閣府令で定める場合を除き、天災その他のやむを得ない理由によりその営業所において臨時にその業務の全部又は一部を休止するときは、直ちにその旨を、理由を付して内閣総理大臣に届け出るとともに、公告し、かつ、内閣府令で定めるところにより、当該営業所の店頭に掲示しなければならない。銀行が臨時にその業務の全部又は一部を休止した営業所においてその業務の全部又は一部を再開するときも、同様とする。
Article 16(1)Except in cases specified by Cabinet Office Order, if a bank temporarily suspends all or part of services at its business office due to a natural disaster or any other compelling reasons, it must immediately file a notification with the Prime Minister of that fact with the reasons attached, as well as issue public notice of that fact and post the fact at that business office, pursuant to the provisions of Cabinet Office Order. The same applies if a bank resumes all or part of its services at a business office where it has temporarily suspended all or part of its services.
前項の規定にかかわらず、銀行の無人の営業所において臨時にその業務の全部又は一部を休止する場合その他の内閣府令で定める場合については、同項の規定による公告は、することを要しない。
(2)Notwithstanding the provisions of the preceding paragraph, the public notice pursuant to the provisions of that paragraph is not required if a bank temporarily suspends all or part of its services at an unmanned business office, and in any other case specified by Cabinet Office Order.
第一項の規定にかかわらず、銀行の無人の営業所において臨時にその業務の一部を休止する場合その他の内閣府令で定める場合については、同項の規定による店頭の掲示は、することを要しない。
(3)Notwithstanding the provisions of paragraph (1), the posting at the business office pursuant to the provisions of that paragraph is not required if a bank temporarily suspends part of its services at an unmanned business office or in any other case specified by Cabinet Office Order.
第二章の二 子会社等
Chapter II-2 Subsidiary Companies
(銀行の子会社の範囲等)
(Scope of a Bank's Subsidiary Companies)
第十六条の二銀行は、次に掲げる会社(以下この条及び次条第一項において「子会社対象会社」という。)以外の会社を子会社としてはならない。
Article 16-2(1)A bank must not have a company other than the following companies (hereinafter referred to as a "company eligible to be a subsidiary company" in this Article and paragraph (1) of the following Article) as its subsidiary company:
銀行
(i)a bank;
長期信用銀行
(ii)a long-term credit bank;
二の二資金決済に関する法律(平成二十一年法律第五十九号)第二条第三項(定義)に規定する資金移動業者(第七号に掲げる会社に該当するものを除く。)のうち、資金移動業(同条第二項に規定する資金移動業をいう。)その他内閣府令で定める業務を専ら営むもの(第五十二条の二十三第一項第一号の二において「資金移動専門会社」という。)
(ii)-2a funds transfer service provider as defined in Article 2, paragraph (3) (Definitions) of the Payment Services Act (Act No. 59 of 2009) (excluding a funds transfer service provider falling under a company set forth in item (vii)) which exclusively engages in funds transfer services (meaning funds transfer services as defined in paragraph (2) of that Article) or services specified by Cabinet Office Order (referred to as a "company specializing in fund transfers" in Article 52-23, paragraph (1), item (i)-2);
金融商品取引業者のうち、有価証券関連業(金融商品取引法第二十八条第八項(通則)に規定する有価証券関連業をいう。以下同じ。)のほか、同法第三十五条第一項第一号から第八号まで(第一種金融商品取引業又は投資運用業を行う者の業務の範囲)に掲げる行為を行う業務その他の内閣府令で定める業務を専ら営むもの(第十一号ロ並びに第五十二条の二十三第一項第二号及び第十号ロにおいて「証券専門会社」という。)
(iii)a financial instruments business operator that, in addition to securities-related services (meaning securities-related services as defined in Article 28, paragraph (8) (General Rules) of the Financial Instruments and Exchange Act; the same applies hereinafter), exclusively engages in services of conducting the actions set forth in items (i) through (viii) of Article 35, paragraph (1) (Scope of Services for Persons Engaged in Type-I Financial Instruments Business or Investment Management Business) of that Act and other services specified by Cabinet Office Order (referred to as a "company specializing in securities" in item (xi), sub-item (b), and Article 52-23, paragraph (1), item (ii), and item (x), sub-item (b));
金融商品取引法第二条第十二項(定義)に規定する金融商品仲介業者のうち、金融商品仲介業(同条第十一項(定義)に規定する金融商品仲介業をいい、次に掲げる行為のいずれかを営む業務に係るものに限る。以下この号において同じ。)のほか、金融商品仲介業に付随する業務その他の内閣府令で定める業務を専ら営むもの(第十一号ロ並びに第五十二条の二十三第一項第三号及び第十号ロにおいて「証券仲介専門会社」という。)
(iv)a financial instruments intermediary service provider as defined in Article 2, paragraph (12) (Definitions) of the Financial Instruments and Exchange Act which, in addition to financial instruments intermediary services (meaning financial instruments intermediary services as defined in Article 2, paragraph (11) (Definitions) of that Act and limited to services through which it performs the actions set forth in any of the following sub-items; hereinafter the same applies in this item), exclusively engages in services incidental to financial instruments intermediary service and other services specified by Cabinet Office Order (referred to as a "company specializing in securities intermediation" in item (xi), sub-item (b) and Article 52-23, paragraph (1), item (iii) and item (x), sub-item (b));
金融商品取引法第二条第十一項第一号に掲げる行為
(a)actions set forth in Article 2, paragraph (11), item (i) of the Financial Instruments and Exchange Act;
金融商品取引法第二条第十七項に規定する取引所金融商品市場又は同条第八項第三号ロに規定する外国金融商品市場における有価証券の売買の委託の媒介(ハに掲げる行為に該当するものを除く。)
(b)intermediation for entrusting a person with the purchase and sale of securities on a financial instruments exchange market as defined in Article 2, paragraph (17) of the Financial Instruments and Exchange Act, or on a foreign financial instruments market as defined in Article 2, paragraph (8), item (iii), (b) of that Act (other than actions set forth in sub-item (c));
金融商品取引法第二十八条第八項第三号又は第五号に掲げる行為の委託の媒介
(c)acting as intermediary for entrusting a person with the action set forth in Article 28, paragraph (8), item (iii) or (v) of the Financial Instruments and Exchange Act; and
金融商品取引法第二条第十一項第三号に掲げる行為
(d)actions set forth in Article 2, paragraph (11), item (iii) of the Financial Instruments and Exchange Act.
四の二金融サービスの提供に関する法律(平成十二年法律第百一号)第十一条第六項(定義)に規定する金融サービス仲介業者のうち、有価証券等仲介業務(同条第四項に規定する有価証券等仲介業務をいい、次に掲げる行為のいずれかを行う業務に係るものに限る。以下この号において同じ。)のほか、有価証券等仲介業務に付随する業務その他の内閣府令で定める業務を専ら営むもの
(iv)-2a financial service intermediary as defined in Article 11, paragraph (6) (Definitions) of the Act on the Provision of Financial Services (Act No. 101 of 2000) which, in addition to securities, etc. intermediary business operations (meaning securities, etc. intermediary business operations as defined in paragraph (4) of that Article, and limited to services through which it performs the actions set forth in any of the following sub-items; hereinafter the same applies in this item), exclusively engages in services incidental to securities, etc. intermediary business operations and other services specified by Cabinet Office Order:
金融サービスの提供に関する法律第十一条第四項第一号に掲げる行為
(a)actions set forth in Article 11, paragraph (4), item (i) of the Act on the Provision of Financial Services;
金融サービスの提供に関する法律第十一条第四項第二号に掲げる行為(前号ロ又はハに掲げる行為に該当するものに限る。)
(b)actions set forth in Article 11, paragraph (4), item (ii) of the Act on the Provision of Financial Services (limited to acts that fall under those set forth in sub-item (b) or (c) of the preceding item); and
金融サービスの提供に関する法律第十一条第四項第三号に掲げる行為
(c)actions set forth in Article 11, paragraph (4), item (iii) of the Act on the Provision of Financial Services;
保険会社
(v)an insurance company;
五の二保険業法第二条第十八項(定義)に規定する少額短期保険業者(第十一号ロ並びに第五十二条の二十三第一項第四号の二及び第十号ロにおいて「少額短期保険業者」という。)
(v)-2a small amount and short term insurer as defined in Article 2, paragraph (18) (Definitions) of the Insurance Business Act (referred to as a "small amount and short term insurer" in item (xi), sub-item (b) and Article 52-23, paragraph (1), item (iv)-2, and item (x), sub-item (b));
信託業法(平成十六年法律第百五十四号)第二条第二項(定義)に規定する信託会社のうち、信託業務(金融機関の信託業務の兼営等に関する法律(昭和十八年法律第四十三号。第十一号ロにおいて「兼営法」という。)第一条第一項(兼営の認可)に規定する信託業務をいう。以下同じ。)を専ら営むもの(同号ロ並びに第五十二条の二十三第一項第五号及び第十号ロにおいて「信託専門会社」という。)
(vi)a trust company as defined in Article 2, paragraph (2) (Definitions) of the Trust Business Act (Act No. 154 of 2004) which exclusively engages in trust business (meaning trust business as prescribed in Article 1, paragraph (1) (Authorization for Trust Business) of the Act on Engagement in Trust Business Activities by Financial Institutions (Act No. 43 of 1943; referred to as "Act on Trust Business by Financial Institutions" in item (xi), (b)); the same applies hereinafter) (referred to as a "company specializing in trust business" in sub-item (b) of that item and Article 52-23, paragraph (1), item (v) and item (x), sub-item (b));
銀行業を営む外国の会社
(vii)a foreign company engaging in banking;
有価証券関連業を営む外国の会社(前号に掲げる会社に該当するものを除く。)
(viii)a foreign company engaging in securities-related services (other than one that falls under the company set forth in the preceding item);
保険業(保険業法第二条第一項に規定する保険業をいう。以下同じ。)を営む外国の会社(第七号に掲げる会社に該当するものを除く。)
(ix)a foreign company engaging in insurance business (meaning insurance business as defined in Article 2, paragraph (1) of the Insurance Business Act; the same applies hereinafter) (other than one that falls under the company set forth in item (vii));
信託業(信託業法第二条第一項に規定する信託業をいう。以下同じ。)を営む外国の会社(第七号に掲げる会社に該当するものを除く。)
(x)a foreign company engaging in trust business (meaning trust business as defined in Article 2, paragraph (1) of the Trust Business Act; the same applies hereinafter) (other than one that falls under the company set forth in item (vii));
十一次に掲げる業務を専ら営む会社(イに掲げる業務を営む会社にあつては当該銀行、その子会社(第一号から第二号の二まで及び第七号に掲げる会社に限る。)その他これらに類する者として内閣府令で定めるものの営む業務のためにその業務を営んでいるものに限る。)
(xi)a company that exclusively performs the following services (for a company that performs the services set forth in sub-item (a), limited to the relevant bank, its subsidiary company (limited to a company set forth in items (i) through (ii)-2 and item (vii)), or those performing services for any other entity specified by Cabinet Office Order as being similar to the bank or its subsidiary company):
従属業務
(a)dependent services; and
金融関連業務(当該銀行が証券専門会社、証券仲介専門会社及び有価証券関連業を営む外国の会社のいずれをも子会社としていない場合にあつては証券専門関連業務を、当該銀行が保険会社、少額短期保険業者及び保険業を営む外国の会社のいずれをも子会社としていない場合にあつては保険専門関連業務を、当該銀行が信託兼営銀行(兼営法第一条第一項の認可を受けて信託業務を営む銀行をいう。以下このロ及び第五十二条の二十三第一項第十号ロにおいて同じ。)、信託専門会社及び信託業を営む外国の会社のいずれをも子会社としていない場合(当該銀行が信託兼営銀行である場合を除く。)にあつては信託専門関連業務を、それぞれ除く。)
(b)finance-related services (excluding specialized securities-related services if the bank does not have any company specialized in securities, company specialized in securities intermediation, or foreign company engaging in securities services as its subsidiary company; excluding specialized insurance-related services if the bank does not have any insurance company, small amount and short term insurer, or foreign company engaging in insurance business as its subsidiary company; and excluding specialized trust-related services if the bank does not have any trust bank (meaning a bank engaging in trust business with authorization referred to in Article 1, paragraph (1) of the Act on Trust Business by Financial Institutions; hereinafter the same applies in (b), and Article 52-23, paragraph (1), item (x), (b)), company specialized in trust business, or foreign company engaging in trust business as its subsidiary company);
十二新たな事業分野を開拓する会社として内閣府令で定める会社(当該銀行又はその子会社のうち前号に掲げる会社で内閣府令で定めるもの(次号及び第十四号並びに第十六条の四第七項及び第八項において「特定子会社」という。)以外の子会社が、合算してその基準議決権数(同条第一項に規定する基準議決権数をいう。以下この条において同じ。)を超える議決権を保有していないものに限る。)
(xii)a company specified by Cabinet Office Order as one that is developing a new field of business (only when the combined number of voting rights in that company that are held by the bank or its subsidiary company other than the company set forth in the preceding item that is specified by Cabinet Office Order (referred to as a "specified subsidiary company" in the following item, item (xiv) and Article 16-4, paragraphs (7) and (8)) does not exceed the maximum threshold for voting rights (meaning the maximum threshold for voting rights prescribed in Article 16-4, paragraph (1); hereinafter the same applies in this Article); and
十三経営の向上に相当程度寄与すると認められる新たな事業活動を行う会社として内閣府令で定める会社(その事業に係る計画又は当該計画に基づく措置について内閣府令で定める要件に該当しない会社(第十六条の四第一項及び第七項において「特別事業再生会社」という。)にあつては、当該銀行又はその特定子会社以外の子会社が、合算してその基準議決権数を超える議決権を保有していないものに限る。)
(xiii)a company specified by Cabinet Office Order as one that is engaged in new business activities that are found to contribute considerably to the improvement of management (for a company that fails to meet the requirements specified by Cabinet Office Order in relation to its business plan or any measures based on that plan (referred to as "company under special business revitalization process" in Article 16-4, paragraphs (1) and (7)), only when the number of voting rights in that company that are held by the bank or by its subsidiary company other than a specified subsidiary company does not exceed the maximum threshold for voting rights when the voting rights are combined);
十四地域の活性化に資すると認められる事業活動を行う会社として内閣府令で定める会社(当該銀行又はその特定子会社以外の子会社が、合算してその基準議決権数を超える議決権を保有していないものに限る。)
(xiv)a company specified by Cabinet Office Order as one that is engaged in business activities that are found to contribute to regional development (only when the number of voting rights in that company that are held by the bank or by its subsidiary company other than a specified subsidiary company does not exceed the maximum threshold for voting rights when the voting rights are combined);
十五前各号に掲げる会社のほか、情報通信技術その他の技術を活用した当該銀行の営む銀行業の高度化若しくは当該銀行の利用者の利便の向上に資する業務若しくは地域の活性化、産業の生産性の向上その他の持続可能な社会の構築に資する業務又はこれらに資すると見込まれる業務を営む会社
(xv)in addition to a company set forth in the preceding items, a company that engages in services that contribute to or are expected to contribute to increased sophistication in the banking conducted by the bank or to enhanced convenience for bank users through the use of information and telecommunications technology or other technologies, or services that contribute to or are expected to contribute to regional development, improvement of industrial productivity and other services for building a sustainable society;
十六子会社対象会社のみを子会社とする持株会社で内閣府令で定めるもの(当該持株会社になることを予定している会社を含む。)
(xvi)a holding company specified by Cabinet Office Order, which has only a company eligible to be a subsidiary company as its subsidiary company (including a company that is planned to become such a holding company); and
十七子会社対象会社のみを子会社とする外国の会社であつて、持株会社と同種のもの又は持株会社に類似するもの(当該会社になることを予定している会社を含み、前号に掲げる会社に該当するものを除く。)
(xvii)a foreign company that has only a company eligible to be a subsidiary company as its subsidiary company, which is of the same type as a holding company or is similar to a holding company (including a company that is planned to become such a company, and excluding a company that falls under the company set forth in the preceding item).
前項において、次の各号に掲げる用語の意義は、当該各号に定めるところによる。
(2)The meaning of the terms set forth in the following items as used in the preceding paragraph are as prescribed respectively in those items:
従属業務 銀行又は前項第二号から第十号までに掲げる会社の営む業務に従属する業務として内閣府令で定めるもの
(i)dependent services: services specified by Cabinet Office Order as being dependent on the services performed by a bank or by a company set forth in items (ii) through (x) of the preceding paragraph;
金融関連業務 銀行業、有価証券関連業、保険業又は信託業に付随し、又は関連する業務として内閣府令で定めるもの
(ii)finance-related services: services specified by Cabinet Office Order as being incidental or related to banking, securities-related services, insurance business, or trust business;
証券専門関連業務 専ら有価証券関連業に付随し、又は関連する業務として内閣府令で定めるもの
(iii)specialized securities-related services: services specified by Cabinet Office Order as being incidental or related exclusively to securities-related services;
保険専門関連業務 専ら保険業に付随し、又は関連する業務として内閣府令で定めるもの
(iv)specialized insurance-related services: services specified by Cabinet Office Order as being incidental or related exclusively to insurance business;
信託専門関連業務 専ら信託業に付随し、又は関連する業務として内閣府令で定めるもの
(v)specialized trust-related services: services specified by Cabinet Office Order as being incidental or related exclusively to trust business.
第一項の規定は、子会社対象会社以外の国内の会社が、銀行又はその子会社の担保権の実行による株式等の取得、銀行又はその子会社による同項第十二号から第十四号までに掲げる会社の株式等の取得その他の内閣府令で定める事由により当該銀行の子会社となる場合には、適用しない。ただし、当該銀行は、その子会社となつた会社が当該事由(当該銀行又はその子会社による同項第十二号から第十四号までに掲げる会社の株式等の取得その他内閣府令で定める事由を除く。)の生じた日から一年を経過する日までに子会社でなくなるよう、所要の措置を講じなければならない。
(3)The provisions of paragraph (1) do not apply if a domestic company other than a company eligible to be a subsidiary company becomes a subsidiary company of a bank through the acquisition of shares or equity by the bank or its subsidiary company due to the enforcement of a security right, through the acquisition of shares or equity in a company set forth in items (xii) through (xiv) of that paragraph by the bank or its subsidiary company, or due to other grounds specified by Cabinet Office Order; provided, however, that the bank must take measures that is required to be taken so that the company that has become its subsidiary company will no longer be its subsidiary company by the last day of the one-year period that begins on the date on which the grounds (excluding the grounds of acquisition of shares or equity in a company set forth in items (xii) through (xiv) of that paragraph by the bank or its subsidiary company or any other grounds specified by Cabinet Office Order) arose.
銀行は、第一項第一号から第十一号まで又は第十五号から第十七号までに掲げる会社(従属業務(第二項第一号に規定する従属業務をいう。)又は銀行業に付随し、若しくは関連する業務として内閣府令で定めるものを専ら営む会社を除く。以下この条、第十六条の四第四項第一号、第五十三条第一項第三号及び第六十五条第六号において「子会社対象銀行等」という。)を子会社としようとするとき(第一項第十五号に掲げる会社(内閣府令で定める会社を除く。)にあつては、当該銀行又はその子会社が、合算してその基準議決権数を超える議決権を取得し、又は保有しようとするとき)は、第三十条第一項から第三項まで又は金融機関の合併及び転換に関する法律(昭和四十三年法律第八十六号)第五条第一項(認可)の規定により合併、会社分割又は事業の譲受けの認可を受ける場合を除き、あらかじめ、内閣総理大臣の認可を受けなければならない。
(4)Unless a bank obtains authorization for a merger, company split, or business acquisition pursuant to the provisions of Article 30, paragraphs (1) through (3) of this Act or Article 5, paragraph (1) (Authorization) of the Act on Financial Institutions' Merger and Conversion (Act No. 86 of 1968), the bank must obtain the authorization by the Prime Minister in advance, when seeking to make a company set forth in paragraph (1), items (i) through (xi) or items (xv) through (xvii) (other than a company that exclusively engages in dependent services (meaning dependent services as defined in paragraph (2), item (i)) or services specified by Cabinet Office Order as being incidental or related exclusively to banking; such a company is referred to as a "bank, etc. eligible to be a subsidiary company" in this Article and Article 16-4, paragraph (4), item (i), Article 53, paragraph (1), item (iii), and Article 65, item (vi)) its subsidiary company (or, in the case of a company set forth in paragraph (1), item (xv) (excluding a company specified by Cabinet Office Order), when the bank or its subsidiary company seeks to acquire or hold voting rights in that company that exceed the maximum threshold for voting rights when the voting rights are combined).
前項の規定は、子会社対象銀行等が、銀行又はその子会社の担保権の実行による株式等の取得その他の内閣府令で定める事由により当該銀行の子会社(第一項第十五号に掲げる会社(前項に規定する内閣府令で定める会社を除く。)にあつては、当該銀行又はその子会社が、合算してその基準議決権数を超える議決権を保有する会社。以下この項において同じ。)となる場合には、適用しない。ただし、当該銀行は、その子会社となつた子会社対象銀行等を引き続き子会社とすることについて内閣総理大臣の認可を受けた場合を除き、当該子会社対象銀行等が当該事由の生じた日から一年を経過する日までに子会社でなくなるよう、所要の措置を講じなければならない。
(5)The provisions of the preceding paragraph do not apply if a bank, etc. eligible to be a subsidiary company becomes the subsidiary company of a bank (for a company set forth in paragraph (1), item (xv) (excluding a company specified by Cabinet Office Order that is prescribed in the preceding paragraph), the company in which the bank or its subsidiary companies hold a number of voting rights that exceed the maximum threshold for voting rights when the voting rights are combined; hereinafter the same applies in this paragraph) through a bank's or its subsidiary company's acquisition of shares or equity due to the enforcement of a security right or any other grounds specified by Cabinet Office Order; provided, however, that unless the bank obtains the authorization by the Prime Minister to continue to have as its subsidiary company the bank, etc. eligible to be a subsidiary company that has become its subsidiary company, the bank must take the measures that is required to be taken so that the bank, etc. eligible to be a subsidiary company will no longer be its subsidiary company by the last day of the one-year period that begins on the date on which the grounds arose.
銀行は、次の各号のいずれかに該当する場合には、第一項の規定にかかわらず、子会社対象会社以外の外国の会社が子会社となつた日から十年を経過する日までの間、当該子会社対象会社以外の外国の会社を子会社とすることができる。
(6)Notwithstanding the provisions of paragraph (1), if a bank falls under any of the following items, the bank may have a foreign company not eligible to be a subsidiary company as its subsidiary company until the last day of the ten-year period that begins on the date on which the foreign company not eligible to be a subsidiary company has become its subsidiary company,:
当該銀行が、現に子会社対象会社以外の外国の会社を子会社としている子会社対象外国会社(第一項第七号から第十一号まで及び第十五号に掲げる会社(同項第十一号及び第十五号に掲げる会社にあつては、外国の会社に限る。)、持株会社(子会社対象会社を子会社としている会社に限る。第十六条の四第一項において「特例持株会社」という。)又は外国の会社であつて持株会社と同種のもの若しくは持株会社に類似するもの(子会社対象会社を子会社としているものに限り、持株会社を除く。)をいう。以下この条において同じ。)又は外国特定金融関連業務会社(金融関連業務(第二項第二号に規定する金融関連業務をいう。第九項及び第五十二条の二十三において同じ。)のうち内閣府令で定めるものを主として営む外国の会社をいい、第一項第十一号に掲げる会社を除く。以下この条及び次条第一項において同じ。)を子会社とすることにより子会社対象会社以外の外国の会社を子会社とする場合
(i)if the bank comes to have a foreign company not eligible to be a subsidiary company as its subsidiary company due to making a foreign company eligible to be a subsidiary company that actually has a foreign company not eligible to be a subsidiary company as its subsidiary company (meaning one of the companies set forth in paragraph (1), items (vii) through (xi) and item (xv) (for the company set forth in item (xi) or item (xv), limited to a foreign company), a holding company (limited to a company that has a company eligible to be a subsidiary company as its subsidiary company; referred to as a "special holding company" in Article 16-4, paragraph (1)) or a foreign company that is the same type as a holding company or that is similar to a holding company (limited to a foreign company that has a company eligible to be a subsidiary company as its subsidiary company, and excluding a holding company); the same applies in this Article), or a foreign specified finance-related services company (meaning a foreign company mainly engaging in financial services (meaning finance-related services as defined in paragraph (2), item (ii); the same applies in paragraph (9) and Article 52-23) which is specified by Cabinet Office Order; and excluding a company set forth in paragraph (1), item (xi); hereinafter the same apples in this Article and paragraph (1) of the following Article) as its subsidiary company; and
当該子会社対象会社以外の外国の会社が外国特定金融関連業務会社である場合(前号に掲げる場合を除く。)
(ii)if the foreign company not eligible to be a subsidiary company is a foreign specified finance-related services company (excluding the case set forth in the preceding item).
第四項の規定は、銀行が、外国特定金融関連業務会社(当該銀行が子会社対象銀行等又は他の外国特定金融関連業務会社を子会社としようとする場合における当該子会社対象銀行等又は他の外国特定金融関連業務会社が現に子会社としているものを除く。)を子会社としようとするときについて準用する。
(7)The provisions of paragraph (4) apply mutatis mutandis if a bank seeks to make a foreign specified finance-related services company (if the bank seeks to make a bank, etc. eligible to be a subsidiary company or another foreign specified finance-related services company its subsidiary company, excluding a company that the bank, etc. eligible to be a subsidiary company or the other foreign specified finance-related services company actually has as its subsidiary company) its subsidiary company.
銀行は、第六項各号のいずれかに該当する場合において、内閣総理大臣の承認を受けたときは、第一項の規定にかかわらず、第六項の期間を超えて当該承認に係る子会社対象会社以外の外国の会社を引き続き子会社とすることができる。
(8)Notwithstanding the provisions of paragraph (1), in a case falling under any of the items of paragraph (6), if a bank obtains the approval of the Prime Minister, the bank may continue to have a foreign company not eligible to be subsidiary company subject to the approval as its subsidiary company beyond the period referred to in paragraph (6).
内閣総理大臣は、次の各号のいずれかに該当する場合には、前項の承認をするものとする。
(9)The Prime Minister is to give the approval referred to in the preceding paragraph in the case falling under any of the following items:
銀行が現に子会社としている子会社対象外国会社(第一項第七号から第十一号まで及び第十五号に掲げる会社に限る。次号において同じ。)又は外国特定金融関連業務会社の競争力(外国特定金融関連業務会社にあつては、当該外国特定金融関連業務会社の営む金融関連業務における競争力に限る。同号において同じ。)の確保その他の事情に照らして、当該銀行が子会社対象会社以外の外国の会社(外国特定金融関連業務会社を除く。)を引き続き子会社とすることが必要であると認められる場合
(i)in light of securing competitiveness of a foreign company eligible to be a subsidiary company (limited to a company set forth in paragraph (1), items (vii) through (xi) and item (xv); the same applies in the following item) or a foreign specified finance-related services company that a bank actually has as its subsidiary company (for a foreign specified finance-related services company, limited to competitiveness in finance-related services performed by the foreign specified finance-related services company; the same applies in item (xv)) or any other circumstances, it is found to be necessary for the bank to continue to have a foreign company not eligible to be a subsidiary company (excluding a foreign specified finance-related services company) as its subsidiary company; or
銀行が現に子会社としている子会社対象外国会社又は外国特定金融関連業務会社の競争力の確保その他の事情に照らして、外国特定金融関連業務会社が引き続き金融関連業務以外の業務を営むことが必要であると認められる場合
(ii)in light of securing competitiveness of a foreign company eligible to be a subsidiary company or a foreign specified finance-related services company that a bank actually has as its subsidiary company or any other circumstances, it is found to be necessary for a foreign company not eligible to be a subsidiary company to continue to perform services other than finance-related services.
10内閣総理大臣は、銀行につき次の各号のいずれかに該当する場合には、当該銀行の申請により、一年を限り、第六項の期間又はこの項の規定により延長された期間を延長することができる。
(10)If a bank falls under any of the following items, the Prime Minister may extend the period referred to in paragraph (6) or the period extended pursuant to the provisions of this paragraph, for a period not exceeding one year, upon application by the bank:
当該銀行が、現に子会社としている子会社対象会社以外の外国の会社又は当該会社を現に子会社としている子会社対象外国会社の本店又は主たる事務所の所在する国の金融市場又は資本市場の状況その他の事情に照らして、第六項の期間又はこの項の規定により延長された期間の末日までに当該子会社対象会社以外の外国の会社が子会社でなくなるよう、所要の措置を講ずることができないことについてやむを得ない事情があると認められる場合
(i)it is found that there is a compelling reason for the bank being unable to take measures that is required to be taken so that the foreign company not eligible to be a subsidiary company which the bank has as its subsidiary company will no longer be its subsidiary company by the last day of the period referred to in paragraph (6) or the period extended pursuant to the provisions of this paragraph, in light of the situation of the financial market or capital market in the country where the head office or principal office of the foreign company not eligible to be a subsidiary company that the bank actually has its subsidiary company is located or where the head office or principal office of the company eligible to be a subsidiary company that actually has that foreign company as its subsidiary company is located; and
当該銀行が子会社とした子会社対象外国会社又は外国特定金融関連業務会社の事業の遂行のため、当該銀行が現に子会社としている子会社対象会社以外の外国の会社を引き続き子会社とすることについてやむを得ない事情があると認められる場合
(ii)it is found that there is a compelling reason for the bank to continue to have as its subsidiary company a foreign company not eligible to be a subsidiary company which the bank actually has as its subsidiary company, in order to execute the business of a foreign company eligible to be a subsidiary company or foreign specified finance-related services company which the bank has made its subsidiary company.
11銀行は、現に子会社としている子会社対象外国会社又は外国特定金融関連業務会社が、子会社対象会社以外の外国の会社(外国特定金融関連業務会社を除く。以下この項において同じ。)をその子会社としようとする場合において、内閣総理大臣の認可を受けたときは、第一項の規定にかかわらず、当該認可に係る子会社対象会社以外の外国の会社を子会社とすることができる。
(11)Notwithstanding the provisions of paragraph (1), if a foreign company eligible to be a subsidiary company or a foreign specified finance-related services company which a bank actually has as its subsidiary company seeks to make a foreign company not eligible to be a subsidiary company (excluding a foreign specified finance-related services company; hereinafter the same applies in this paragraph) its subsidiary company, and the bank obtains the authorization by the Prime Minister, the bank may make the foreign company not eligible to be a subsidiary company subject to the authorization its subsidiary company.
12第一項、第六項、第七項及び前項の規定は、子会社対象会社以外の外国の会社が、銀行又はその子会社の担保権の実行による株式等の取得、銀行又はその子会社による第一項第十二号から第十四号までに掲げる会社の株式等の取得その他内閣府令で定める事由により当該銀行の子会社となる場合には、適用しない。ただし、当該銀行は、その子会社となつた子会社対象会社以外の外国の会社(当該銀行の子会社となつた子会社対象銀行等又は他の外国特定金融関連業務会社が現に子会社としている外国特定金融関連業務会社を除く。)を引き続き子会社とすることについて内閣総理大臣の認可を受けた場合を除き、当該子会社対象会社以外の外国の会社が当該事由(当該銀行又はその子会社による同項第十二号から第十四号までに掲げる会社の株式等の取得その他内閣府令で定める事由を除く。)の生じた日から一年を経過する日までに子会社でなくなるよう、所要の措置を講じなければならない。
(12)The provisions of paragraph (1), paragraph (6), paragraph (7) and the preceding paragraph do not apply if a foreign company not eligible to be a subsidiary company becomes a subsidiary company of a bank through a bank's or its subsidiary company's acquisition of shares or equity due to the enforcement of a security right, through a bank's or its subsidiary company's acquisition of shares or equity in a company set forth in paragraph (1), items (xii) through (xiv), or due to any other grounds specified by Cabinet Office Order; provided, however, that unless the bank obtains the authorization by the Prime Minister to continue to have as its subsidiary company the foreign company not eligible to be a subsidiary company that has become its subsidiary company (excluding the bank, etc. eligible to be a subsidiary company that has become the bank's subsidiary company or a foreign specified finance-related services company which another foreign specified finance-related services company actually has as its subsidiary company), the bank must take measures that is required to be taken so that the foreign company not eligible to be a subsidiary company will no longer be its subsidiary company by the last day of the one-year period that begins on the date on which the grounds (excluding a bank's or its subsidiary company's acquisition of shares or equity in a company set forth in items (xii) through (xiv) of that paragraph or any other grounds specified by Cabinet Office Order) arose.
13第四項の規定は、銀行が、現に子会社としている第一項各号に掲げる会社を当該各号のうち他の号に掲げる会社(子会社対象銀行等に限る。)に該当する子会社としようとするとき及び現に子会社としている同項第十五号に掲げる会社(その業務により当該銀行又は当該同号に掲げる会社の業務に係る顧客の利益が不当に害される著しいおそれがあると認められないことその他の要件を満たす会社として内閣府令で定める会社に限る。)を同号に掲げる会社(当該内閣府令で定める会社を除く。)に該当する子会社としようとするときについて準用する。
(13)The provisions of paragraph (4) apply mutatis mutandis if the bank seeks to make a company set forth in one of the items of paragraph (1) which it actually has as its subsidiary company a subsidiary company that falls under a company set forth in other items of that paragraph (limited to a bank, etc. eligible to be a subsidiary company), or if the bank seeks to make a company set forth in item (xv) of that paragraph (limited to a company specified by Cabinet Office Order as one whose services are found not to have a serious risk of unjustly impairing the interests of the customers in relation to the services of the bank or the company set forth in item (xv) of that paragraph and as one that satisfies other requirements) which it actually has as a subsidiary company its subsidiary company that falls under a company referred to in that item (excluding the company specified by Cabinet Office Order).
14銀行は、次の各号のいずれかに該当する場合において、内閣総理大臣の承認を受けたときは、第一項の規定にかかわらず、当該承認に係る子会社対象会社以外の外国の会社を引き続き子会社とすることができる。
(14)Notwithstanding the provisions of paragraph (1), in the case falling under any of the following items, if a bank obtains the approval of the Prime Minister, the bank may continue to have the foreign company not eligible to be subsidiary company subject to the approval as its subsidiary company:
現に子会社としている第一項第十一号に掲げる会社を外国特定金融関連業務会社としようとする場合
(i)the bank seeks to make the company set forth in paragraph (1), item (xi) which it actually has as its subsidiary company a foreign specified finance-related services company; or
現に子会社としている外国の会社(子会社対象会社に限る。)を子会社対象会社以外の外国の会社としようとする場合(第六項第二号に掲げる場合、第十一項及び第十二項本文に規定する場合並びに前号に掲げる場合を除く。)
(ii)the bank seeks to make a foreign company which it actually has as its subsidiary company (limited to a company eligible to be a subsidiary company) a foreign company not eligible to be a subsidiary company (excluding the case set forth in paragraph (6), item (ii), the cases prescribed in paragraph (11) and the main clause of paragraph (12), and the case set forth in the preceding item).
15第九項の規定は、前項の承認について準用する。
(15)The provisions of paragraph (9) apply mutatis mutandis to the approval referred to in the preceding paragraph.
16銀行は、当該銀行又はその子会社が合算してその基準議決権数を超える議決権を保有している子会社対象会社(当該銀行の子会社及び第一項第十五号に掲げる会社(内閣府令で定める会社を除く。以下この項において同じ。)を除く。)について、同号に掲げる会社となつたことその他内閣府令で定める事実を知つたときは、引き続きその基準議決権数を超える議決権を保有することについて内閣総理大臣の認可を受けた場合を除き、これを知つた日から一年を経過する日までに当該同号に掲げる会社が当該銀行又はその子会社が合算してその基準議決権数を超える議決権を保有する会社でなくなるよう、所要の措置を講じなければならない。
(16)If a bank comes to know that a company eligible to be a subsidiary company in which the bank or its subsidiary companies hold a number of voting rights that exceeds the maximum threshold for voting rights when the voting rights are combined (other than a subsidiary company of that bank or a company set forth in paragraph (1), item (xv) (excluding a company specified by Cabinet Office Order; hereinafter the same applies in this paragraph)) has become a company set forth in that item and any other facts specified by Cabinet Office Order, the bank must take the measures required to be taken so that the company set forth in that item will no longer be a company in which the bank or its subsidiary companies hold a number of voting rights which exceeds the maximum threshold for voting rights held by the last day of the one-year period that begins on the date on which the bank has come to know that fact when the voting rights are combined, unless the bank obtains the authorization by the Prime Minister to continue to hold voting rights exceeding the maximum threshold for voting rights.
(銀行による銀行グループの経営管理)
(Business Management of a Bank Group by a Bank)
第十六条の三銀行(子会社対象会社又は外国特定金融関連業務会社を子会社としているものであつて、他の銀行又は銀行持株会社の子会社でないものに限る。)は、当該銀行の属する銀行グループ(銀行及びその子会社の集団をいう。次項において同じ。)の経営管理を行わなければならない。
Article 16-3(1)A bank (limited to one that has a company eligible to be a subsidiary company or a foreign specified finance-related services company as its subsidiary company and that is not a subsidiary company of any other bank or bank holding company) must perform business management of the bank group (meaning a group consisting of that bank and its subsidiary companies; the same applies in the following paragraph) to which it belongs.
前項の「経営管理」とは、次に掲げるものをいう。
(2)The term "business management" as used in the preceding paragraph means the following actions:
銀行グループの経営の基本方針その他これに準ずる方針として内閣府令で定めるものの策定及びその適正な実施の確保
(i)formulating the bank group's basic management policy or any other policy specified by Cabinet Office Order as being equivalent to the policy, and ensuring its proper implementation;
銀行グループに属する会社相互の利益が相反する場合における必要な調整
(ii)undertaking the necessary coordination when there is a conflict of interest among the companies that belong to the bank group;
銀行グループの業務の執行が法令に適合することを確保するために必要なものとして内閣府令で定める体制の整備
(iii)developing systems specified by Cabinet Office Order as being necessary for ensuring that the execution of the bank group's services complies with laws and regulations; and
前三号に掲げるもののほか、銀行グループの業務の健全かつ適切な運営の確保に資するものとして内閣府令で定めるもの
(iv)beyond what is set forth in the preceding three items, actions specified by Cabinet Office Order as those contributing to ensuring the sound and appropriate management of the bank group's services.
(銀行等による議決権の取得等の制限)
(Restriction on Acquisition of Voting Rights by a Bank)
第十六条の四銀行又はその子会社は、国内の会社(第十六条の二第一項第一号から第六号まで、第十一号、第十三号、第十五号及び第十六号に掲げる会社(同項第十三に掲げる会社にあつては、特別事業再生会社を除く。)、特例持株会社(当該銀行が子会社としているものに限る。)並びに特例対象会社を除く。次項から第六項までにおいて同じ。)の議決権については、合算して、その基準議決権数(国内の会社の総株主等の議決権に百分の五を乗じて得た議決権の数をいう。以下この条及び第六十五条第六号において同じ。)を超える議決権を取得し、又は保有してはならない。
Article 16-4(1)It is prohibited for a bank or its subsidiary company to acquire or hold voting rights in a domestic company (other than a company set forth in Article 16-2, paragraph (1), items (i) through (vi), item (xi), item (xiii), item (xv), and item (xvi) (for the company set forth in item (xiii) of that paragraph, excluding a company under special business revitalization process), a special holding company (limited to one which the bank has as its subsidiary company) and a company subject to special provisions; hereinafter the same applies in the following paragraph through paragraph (6)) that cause their voting rights to exceed the maximum threshold for voting rights when the voting rights are combined (meaning the number of voting rights that accounts for five percent of the total shareholder or investor voting rights in the domestic company; the same applies in this Article and Article 65, item (vi)).
前項の規定は、銀行又はその子会社が、担保権の実行による株式等の取得その他の内閣府令で定める事由により、国内の会社の議決権をその基準議決権数を超えて取得し、又は保有することとなる場合には、適用しない。ただし、当該銀行又はその子会社は、合算してその基準議決権数を超えて取得し、又は保有することとなつた部分の議決権については、当該銀行があらかじめ内閣総理大臣の承認を受けた場合を除き、その取得し、又は保有することとなつた日から一年を超えてこれを保有してはならない。
(2)The provisions of the preceding paragraph do not apply if a bank or its subsidiary companies come to acquire or hold voting rights in a domestic company in excess of the maximum threshold for voting rights through their acquisition of shares or equity due to the enforcement of a security right or any other cause specified by Cabinet Office Order; provided, however, that unless the bank obtains the approval of the Prime Minister in advance, it is prohibited for the bank or its subsidiary companies to continue to hold the part of the voting rights that they have come to acquire or hold in excess of the maximum threshold for voting rights when the voting rights are combined, after one year has passed since the day on which they came to acquire or hold those voting rights.
前項ただし書の場合において、内閣総理大臣がする同項の承認の対象には、銀行又はその子会社が国内の会社の議決権を合算してその総株主等の議決権の百分の五十を超えて取得し、又は保有することとなつた議決権のうち当該百分の五十を超える部分の議決権は含まれないものとし、内閣総理大臣が当該承認をするときは、銀行又はその子会社が合算してその基準議決権数を超えて取得し、又は保有することとなつた議決権のうちその基準議決権数を超える部分の議決権を速やかに処分することを条件としなければならない。
(3)In the case referred to in the proviso to the preceding paragraph, a part of voting rights in a domestic company that a bank or its subsidiary companies have come to acquire or hold more than fifty percent of the total shareholder or investor voting rights in that company when the voting rights are combined is to be treated as not being subject to the approval referred to in the preceding paragraph that the Prime Minister gives; and if the Prime Minister gives the approval referred to in the preceding paragraph, this must be made on condition that the bank or its subsidiary companies promptly dispose the part of the voting rights that they have come to acquire or hold that exceed the maximum threshold for voting rights when combined.
銀行又はその子会社は、次の各号に掲げる場合には、第一項の規定にかかわらず、当該各号に定める日に保有することとなる国内の会社の議決権がその基準議決権数を超える場合であつても、同日以後、当該議決権をその基準議決権数を超えて保有することができる。ただし、内閣総理大臣は、銀行又はその子会社が、次の各号に掲げる場合に国内の会社の議決権を合算してその総株主等の議決権の百分の五十を超えて保有することとなるときは、当該各号に規定する認可(第四号に該当する場合には、免許。次項において同じ。)をしてはならない。
(4)Notwithstanding the provisions of paragraph (1), in the case set forth in one of the following items, even if the voting rights in a domestic company that a bank or its subsidiary companies are to hold on the day prescribed in the relevant item exceed the maximum threshold for voting rights, the bank or its subsidiary companies may hold those voting rights in excess of the maximum threshold for voting rights, from that day forward; provided, however, that the Prime Minister must not grant the authorization provided for in the following items (or the license, in the case falling under item (vi); the same applies in the following paragraph) if, in the case set forth in those items, the bank or its subsidiary companies come to hold more than fifty percent of the total shareholder or investor voting rights in a domestic company when the voting rights are combined:
第十六条の二第四項の認可を受けて当該銀行が子会社対象銀行等を子会社としたとき(内閣府令で定める場合に限る。) その子会社とした日
(i)the bank makes a bank, etc. eligible to be a subsidiary company its subsidiary company by obtaining the authorization referred to in Article 16-2, paragraph (4) (limited to the case specified by Cabinet Office Order): the day on which the bank, etc. becomes its subsidiary company;
第三十条第一項又は金融機関の合併及び転換に関する法律第五条第一項(認可)の認可を受けて当該銀行が合併により設立されたとき その設立された日
(ii)the bank is incorporated in a merger by obtaining the authorization referred to in Article 30, paragraph (1) of this Act or Article 5, paragraph (1) (Authorization) of the Act on Financial Institutions' Merger and Conversion: the day it is incorporated;
当該銀行が第三十条第一項又は金融機関の合併及び転換に関する法律第五条第一項の認可を受けて合併をしたとき(当該銀行が存続する場合に限る。) その合併をした日
(iii)the bank implements a merger by obtaining the authorization referred to in Article 30, paragraph (1) of this Act or Article 5, paragraph (1) of the Act on Financial Institutions' Merger and Conversion (only when the bank survives the merger): the day it implements the merger;
第三十条第二項の認可を受けて共同新設分割により設立された会社が第四条第一項の免許を受けて当該銀行になつたとき その免許を受けた日
(iv)a company incorporated in a joint incorporation-type company split by obtaining the authorization referred to in Article 30, paragraph (2) obtains the license referred to in Article 4, paragraph (1) and becomes a bank: the day it obtains the license;
当該銀行が第三十条第二項の認可を受けて吸収分割により事業を承継したとき(内閣府令で定める場合に限る。) その吸収分割をした日
(v)the bank succeeds to a business in an absorption-type company split by obtaining the authorization referred to in Article 30, paragraph (2) (limited to a case specified by Cabinet Office Order): the day the absorption-type company split is implemented; and
当該銀行が第三十条第三項の認可を受けて事業の譲受けをしたとき(内閣府令で定める場合に限る。) その事業の譲受けをした日
(vi)the bank makes a business acquisition by obtaining the authorization referred to in Article 30, paragraph (3) (limited to the case specified by Cabinet Office Order): the day it makes the business acquisition.
内閣総理大臣は、前項各号に規定する認可をするときは、当該各号に定める日に銀行又はその子会社が合算してその基準議決権数を超えて保有することとなる国内の会社の議決権のうちその基準議決権数を超える部分の議決権を、同日から五年を経過する日までに内閣総理大臣が定める基準に従つて処分することを条件としなければならない。
(5)When granting the authorization provided for in the items of the preceding paragraph, the Prime Minister must grant the authorization on condition that the bank or its subsidiary company dispose of the part of the voting rights in the domestic company that it is to hold on the day specified in the relevant item which exceeds the maximum threshold for voting rights when the voting rights are combined, in accordance with the criteria specified by the Prime Minister, by the last day of the five-year period that begins on that day.
銀行又はその子会社が、国内の会社の議決権を合算してその基準議決権数を超えて保有することとなつた場合には、その超える部分の議決権は、当該銀行が取得し、又は保有するものとみなす。
(6)If a bank or its subsidiary companies come to hold a number of voting rights in a domestic company that exceeds the maximum threshold for voting rights when the voting rights are combined, the bank is deemed to be the one that has acquired or that holds the part of the voting rights that is in excess.
前各項の場合において、第十六条の二第一項第十二号に掲げる会社、特別事業再生会社又は同項第十四号に掲げる会社の議決権の取得又は保有については、特定子会社は、銀行の子会社に該当しないものとみなす。
(7)In the case referred to in one of the preceding paragraphs, a specified subsidiary company is deemed not to fall under the subsidiary company of a bank with respect to the acquisition or holding of voting rights in a company set forth in Article 16-2, paragraph (1), item (xii), a company under special business revitalization process, or a company set forth in item (xiv) of that paragraph.
第一項の「特例対象会社」とは、地域の活性化に資すると認められる事業活動を行う会社として内閣府令で定める会社(第十六条の二第一項第十四号に掲げる会社に該当しないものであつて、当該銀行又はその特定子会社以外の子会社が、合算してその基準議決権数を超える議決権を保有していないものに限る。)及び同条第一項第十二号から第十四号までに掲げる会社(当該銀行の子会社であるものに限る。)と内閣府令で定める特殊の関係のある会社をいう。
(8)The term "company subject to special provisions" as used in paragraph (1) means a company specified by Cabinet Office Order as a company engaged in business activities that is found to contribute to regional development (only when the company that does not fall under the company set forth in Article 16-2, paragraph (1), item (xiv) and the number of voting rights in that company that are held by the bank or its subsidiary companies other than specified subsidiary companies does not exceed the maximum threshold for voting rights when the voting rights are combined) and a company that has a unique relationship specified by Cabinet Office Order with the company set forth in paragraph (1), items (xii) through (xiv) of that Article (limited to a company that is a subsidiary company of the bank).
第二条第十一項の規定は、前各項の場合において銀行又はその子会社が取得し、又は保有する議決権について準用する。
(9)The provisions of Article 2, paragraph (11) apply mutatis mutandis to voting rights that a bank or its subsidiary company acquires or holds in the case referred to in the preceding paragraphs.
第三章 経理
Chapter III Accounting
(事業年度)
(Business Year)
第十七条銀行の事業年度は、四月一日から翌年三月三十一日までとする。
Article 17The business year of a bank is from April 1 to March 31 of the following year.
(資本準備金及び利益準備金の額)
(Amount of Capital Reserves and Retained Earnings Reserves)
第十八条銀行は、剰余金の配当をする場合には、会社法第四百四十五条第四項(資本金の額及び準備金の額)の規定にかかわらず、内閣府令で定めるところにより、当該剰余金の配当により減少する剰余金の額に五分の一を乗じて得た額を資本準備金又は利益準備金として計上しなければならない。
Article 18Notwithstanding the provisions of Article 445, paragraph (4) (Amount of Stated Capital and Amount of Reserves) of the Companies Act, if a bank pays the dividend of surplus, it must allocate an amount arrived at when the amount of surplus to be reduced as a result of the payment of those dividends of surplus is multiplied by one-fifth as the capital reserves or retained earnings reserves, pursuant to the provisions of Cabinet Office Order.
(業務報告書等)
(Business Reports)
第十九条銀行は、事業年度ごとに、業務及び財産の状況を記載した当該事業年度の中間事業年度(当該事業年度の四月一日から九月三十日までの期間をいう。以下同じ。)に係る中間業務報告書及び当該事業年度に係る業務報告書を作成し、内閣総理大臣に提出しなければならない。
Article 19(1)Each business year, a bank must prepare an interim business report for the interim period of the business year (meaning the period from April 1 to September 30 of the business year; the same applies hereinafter) that is a part of the relevant business year which states the status of business and property, and a business report for the entire business year, and submit those reports to the Prime Minister.
銀行が子会社等を有する場合には、当該銀行は、事業年度ごとに、前項の報告書のほか、当該銀行及び当該子会社等の業務及び財産の状況を連結して記載した当該事業年度の中間事業年度に係る中間業務報告書及び当該事業年度に係る業務報告書を作成し、内閣総理大臣に提出しなければならない。
(2)If a bank has a subsidiary company, etc., each business year, in addition to the reports referred to in the preceding paragraph, the bank must prepare an interim business report for the interim period of the business year that is a part of the relevant business year which states the status of business and property of that bank and its subsidiary companies, etc. on a consolidated basis, and a business report for the entire business year which states the status of business and property on a consolidated basis, and submit those reports to the Prime Minister.
前二項の報告書の記載事項、提出期日その他これらの報告書に関し必要な事項は、内閣府令で定める。
(3)The particulars to be stated in the reports referred to in the preceding two paragraphs, the due dates for submission, and other necessary particulars concerning those reports is specified by Cabinet Office Order.
(貸借対照表等の公告等)
(Public Notice of Balance Sheets)
第二十条銀行は、事業年度ごとに、内閣府令で定めるところにより、当該事業年度の中間事業年度に係る貸借対照表及び損益計算書(以下この条において「中間貸借対照表等」という。)並びに当該事業年度に係る貸借対照表及び損益計算書(以下この条において「貸借対照表等」という。)を作成しなければならない。
Article 20(1)Each business year, a bank must prepare a balance sheet and a profit and loss statement for the interim period of the business year that is a part of the relevant business year (hereinafter referred to as an "interim balance sheet, etc." in this Article) and a balance sheet and a profit and loss statement for the entire business year (hereinafter referred to as a "balance sheet, etc." in this Article), pursuant to the provisions of Cabinet Office Order.
銀行が子会社等を有する場合には、当該銀行は、事業年度ごとに、中間貸借対照表等及び貸借対照表等のほか、内閣府令で定めるところにより、当該銀行及び当該子会社等につき連結して記載した当該事業年度の中間事業年度に係る貸借対照表及び損益計算書(以下この条において「中間連結貸借対照表等」という。)並びに当該事業年度に係る貸借対照表及び損益計算書(以下この条において「連結貸借対照表等」という。)を作成しなければならない。
(2)If a bank has a subsidiary company, etc., each business year, in addition to an interim balance sheet, etc. and a balance sheet, etc., the bank must prepare a balance sheet and a profit and loss statement for the interim period of the business year that is a part of the relevant business year in which entries for the bank and its subsidiary companies, etc. are made on a consolidated basis (hereinafter referred to as an "interim consolidated balance sheet, etc." in this Article), and prepare a balance sheet and a profit and loss statement for the entire business year in which it entries for the bank and its subsidiary companies, etc. are made on a consolidated basis (hereinafter referred to as a "consolidated balance sheet, etc." in this Article), pursuant to the provisions of Cabinet Office Order.
中間貸借対照表等、貸借対照表等、中間連結貸借対照表等及び連結貸借対照表等は、電磁的記録(電子的方式、磁気的方式その他人の知覚によつては認識することができない方式で作られる記録であつて、電子計算機による情報処理の用に供されるものとして内閣府令で定めるものをいう。以下同じ。)をもつて作成することができる。
(3)An interim balance sheet, etc., a balance sheet, etc., an interim consolidated balance sheet, etc., or a consolidated balance sheet, etc. may be prepared as an electronic or magnetic record (meaning a record prepared in an electronic form, magnetic form, or any other form that cannot be perceived by the human senses, which is specified by Cabinet Office Order as being used for information processing by computers; the same applies hereinafter).
銀行は、内閣府令で定めるところにより、その中間事業年度経過後三月以内に中間貸借対照表等及び中間連結貸借対照表等を、その事業年度経過後三月以内に貸借対照表等及び連結貸借対照表等を公告しなければならない。ただし、やむを得ない理由により当該三月以内にこれらの書類の公告をすることができない場合には、内閣総理大臣の承認を受けて、当該公告を延期することができる。
(4)Pursuant to the provisions of Cabinet Office Order, a bank must issue public notice of its interim balance sheet, etc. and its interim consolidated balance sheet, etc. within three months after the end of the relevant interim period of the business year, and of its balance sheet, etc. and its consolidated balance sheet, etc. within three months after the end of the relevant business year; provided, however, that if it is not possible for a bank to issue public notice of these documents within that three-month period due to compelling reasons, it may postpone the issuance of the public notice, with the approval of the Prime Minister.
前項の規定にかかわらず、その公告方法(会社法第二条第三十三号(定義)に規定する公告方法をいう。以下同じ。)が第五十七条第一号に掲げる方法である銀行は、内閣府令で定めるところにより、中間貸借対照表等、貸借対照表等、中間連結対照表等及び連結貸借対照表等の要旨を公告することで足りる。この場合においては、同項ただし書の規定を準用する。
(5)Notwithstanding the provisions of the preceding paragraph, it is sufficient for a bank that uses the means of public notice (meaning a means of public notices prescribed in Article 2, item (xxxiii) (Definitions) of the Companies Act; the same applies hereinafter) set forth in Article 57, item (i), to issue public notice of the overview of the interim balance sheet, etc.; the balance sheet, etc.; the interim consolidated balance sheet, etc.; and the consolidated balance sheet, etc. pursuant to the provisions of Cabinet Office Order. In such a case, the provisions of the proviso to the preceding paragraph apply mutatis mutandis.
前項に規定する銀行は、内閣府令で定めるところにより、その中間事業年度経過後三月以内に中間貸借対照表等及び中間連結貸借対照表等の内容である情報を、その事業年度経過後三月以内に貸借対照表等及び連結貸借対照表等の内容である情報を、五年間継続して電磁的方法(電子情報処理組織を使用する方法その他の情報通信の技術を利用する方法であつて内閣府令で定めるものをいう。以下同じ。)により不特定多数の者が提供を受けることができる状態に置く措置をとることができる。この場合においては、第四項の規定による公告をしたものとみなす。
(6)Pursuant to the provisions of Cabinet Office Order, a bank that is prescribed in the preceding paragraph may take a measure that uses electronic or magnetic means (meaning a means of using an electronic data processing system or using other information and communications technology that is specified by Cabinet Office Order; the same applies hereinafter) to make the information contained in the interim balance sheet, etc. and the interim consolidated balance sheet, etc. available to many and unspecified persons within three months after the end of the relevant interim period of the business year and the information contained in the balance sheet, etc. and the consolidated balance sheet, etc. available to many and unspecified persons within three months after the end of the relevant business year, for a continuous period of five years. In such cases, the bank is deemed to have issued the public notice under the provisions of paragraph (4).
金融商品取引法第二十四条第一項(有価証券報告書の提出)の規定により有価証券報告書を内閣総理大臣に提出しなければならない銀行については、前各項の規定は、適用しない。
(7)The provisions of the preceding paragraphs do not apply to a bank that must submit an annual securities report to the Prime Minister pursuant to the provisions of Article 24, paragraph (1) (Submission of Annual Securities Reports) of the Financial Instruments and Exchange Act.
(業務及び財産の状況に関する説明書類の縦覧等)
(Making Explanatory Documents on the Status of Business and Property of a Bank Available for Public Inspection)
第二十一条銀行は、事業年度ごとに、業務及び財産の状況に関する事項として内閣府令で定めるものを記載した当該事業年度の中間事業年度に係る説明書類及び当該事業年度に係る説明書類を作成し、当該銀行の営業所(無人の営業所その他の内閣府令で定める営業所を除く。次項及び第四項において同じ。)に備え置き、公衆の縦覧に供しなければならない。前条第一項の規定により作成した書類についても、同様とする。
Article 21(1)Each business year, a bank must prepare explanatory documents for the interim period of the business year that is a part of the relevant business year which states the particulars specified by Cabinet Office Order as pertinent to the status of its business and property, prepare explanatory documents for the entire business year which states those particulars, keep those documents at its business offices (other than unmanned business offices and other offices specified by Cabinet Office Order; the same applies in the following paragraph and paragraph (4)), and make them available for public inspection. The same applies to the documents prepared pursuant to the provisions of paragraph (1) of the preceding Article.
銀行が子会社等を有する場合には、当該銀行は、事業年度ごとに、当該銀行及び当該子会社等の業務及び財産の状況に関する事項として内閣府令で定めるものを当該銀行及び当該子会社等につき連結して記載した当該事業年度の中間事業年度に係る説明書類及び当該事業年度に係る説明書類を作成し、前項前段の規定により作成した書類とともに当該銀行の営業所に備え置き、公衆の縦覧に供しなければならない。前条第一項及び第二項の規定により作成した書類についても、同様とする。
(2)If a bank has a subsidiary company, etc., each business year, the bank must prepare explanatory documents for the interim period of the business year that is a part of the relevant business year which states the particulars specified by Cabinet Office Order as pertinent to the status of business and property of the bank and its subsidiary companies, etc., on a consolidated basis, prepare explanatory documents for the entire business year which states those particulars on a consolidated basis, keep those documents at its business offices together with the documents prepared pursuant to the provisions of the first sentence of the preceding paragraph, and make them available for public inspection. The same applies to the documents prepared pursuant to the provisions of paragraphs (1) and (2) of the preceding Article.
第一項前段又は前項前段に規定する中間事業年度に係る説明書類及び事業年度に係る説明書類は、電磁的記録をもつて作成することができる。
(3)The explanatory documents for the interim period of the business year and those for the entire business year which are prescribed in the first sentence of paragraph (1) or the first sentence of the preceding paragraph may be prepared as electronic or magnetic records.
第一項前段に規定する中間事業年度に係る説明書類及び事業年度に係る説明書類又は同項後段に規定する書類が電磁的記録をもつて作成されているときは、銀行の営業所において、当該電磁的記録に記録された情報を電磁的方法により不特定多数の者が提供を受けることができる状態に置く措置として内閣府令で定めるものをとることができる。この場合においては、同項前段に規定する中間事業年度に係る説明書類及び事業年度に係る説明書類又は同項後段に規定する書類を、同項の規定により備え置き、公衆の縦覧に供したものとみなす。
(4)If the explanatory documents for the interim period of the business year and those for the entire business year which are prescribed in the first sentence of paragraph (1) or the documents provided for in the second sentence of that paragraph are prepared as electronic or magnetic records, the bank may take a measure that is specified by Cabinet Office Order as a measure that uses electronic or magnetic means to make the information recorded in an electronic or magnetic record available to many and unspecified persons, at its business offices. In such a case, the bank is deemed to have kept the explanatory documents for the interim period of the business year and those for the entire business year which are provided for in the first sentence of paragraph (1) or the documents provided for in the second sentence of that paragraph and made them available for public inspection, pursuant to the provisions of that paragraph.
前項の規定は、第二項前段に規定する中間事業年度に係る説明書類及び事業年度に係る説明書類又は同項後段に規定する書類について準用する。
(5)The provisions of the preceding paragraph apply mutatis mutandis to the explanatory documents for the interim period of the business year and those for the entire business year that are prescribed in the first sentence of paragraph (2) and to the documents prescribed in the second sentence of that paragraph.
前各項に定めるもののほか、第一項又は第二項の書類を公衆の縦覧に供する期間その他これらの規定の適用に関し必要な事項は、内閣府令で定める。
(6)Beyond what is provided for in the provisions of the preceding paragraphs, Cabinet Order prescribes the necessary particulars for the application of those provisions, such as the period of time during which the documents referred to in paragraph (1) or (2) are made available for public inspection.
銀行は、前各項に規定する事項のほか、預金者その他の顧客が当該銀行及びその子会社等の業務及び財産の状況を知るために参考となるべき事項の開示に努めなければならない。
(7)A bank must endeavor to disclose information that is to serve as a reference for the depositors or other customers to learn the status of business and property of the bank and its subsidiary companies, etc., in addition to the particulars prescribed in the preceding paragraphs.
(事業報告等の記載事項等)
(Particulars to be Stated in Business Reports)
第二十二条銀行が会社法第四百三十五条第二項(計算書類等の作成及び保存)の規定により作成する事業報告及び附属明細書の記載事項又は記録事項は、内閣府令で定める。
Article 22The particulars to be stated or recorded in the business reports and annexed detailed statements which a bank prepares pursuant to the provisions of Article 435, paragraph (2) (Preparation and Retention of Financial Statements) of the Companies Act, are specified by Cabinet Office Order.
(株主等の帳簿閲覧権の否認)
(Denial of the Right of Shareholders to Inspect the Account Books)
第二十三条会社法第四百三十三条(会計帳簿の閲覧等の請求)の規定は、銀行の会計帳簿及びこれに関する資料については、適用しない。
Article 23The provisions of Article 433 (Request to Inspect Account Books) of the Companies Act do not apply to the accounting books of a bank or materials related to them.
第四章 監督
Chapter IV Supervision
(報告又は資料の提出)
(Making Reports or Submitting Materials)
第二十四条内閣総理大臣は、銀行の業務の健全かつ適切な運営を確保するため必要があると認めるときは、銀行(当該銀行を所属銀行とする銀行代理業者を含む。)に対し、その業務又は財産の状況に関し報告又は資料の提出を求めることができる。
Article 24(1)If the Prime Minister finds it to be necessary for ensuring the sound and appropriate management of a bank's services, the Prime Minister may ask a bank (including a bank agent that has the bank as its principal bank) to make a report or submit materials on the status of its business or property.
内閣総理大臣は、銀行の業務の健全かつ適切な運営を確保するため特に必要があると認めるときは、その必要の限度において、当該銀行の子法人等(子会社その他銀行がその経営を支配している法人として内閣府令で定めるものをいう。次項、次条第二項及び第五項並びに第四十七条第二項において同じ。)又は当該銀行から業務の委託を受けた者(その者から委託(二以上の段階にわたる委託を含む。)を受けた者を含み、前項の銀行代理業者を除く。次項並びに次条第二項及び第五項において同じ。)に対し、当該銀行の業務又は財産の状況に関し参考となるべき報告又は資料の提出を求めることができる。
(2)If the Prime Minister finds it to be particularly necessary for ensuring the sound and appropriate management of a bank's services, the Prime Minister, to the extent necessary, may ask the subsidiary corporation, etc. of the bank (meaning a subsidiary company, or a corporation that is specified by Cabinet Office Order as one whose management is controlled by a bank; the same applies in the following paragraph, paragraphs (2) and (5) of the following Article and Article 47, paragraph (2)) or a person that a bank has entrusted with its services (including a person further entrusted by that entrusted person (including entrustment at two or more degrees of separation from the original entrustment) and excluding a bank agent referred to in the preceding paragraph; the same applies in the following paragraph and paragraphs (2) and (5) of the following Article) to make a report or submit materials that is to serve as a reference on the status of business or property of the bank.
銀行の子法人等又は当該銀行から業務の委託を受けた者は、正当な理由があるときは、前項の規定による報告又は資料の提出を拒むことができる。
(3)The subsidiary corporation, etc. of a bank or a person that a bank has entrusted with its services may refuse to make a report or submit materials pursuant to the provisions of the preceding paragraph if it has legitimate grounds for doing so.
(立入検査)
(On-Site Inspections)
第二十五条内閣総理大臣は、銀行の業務の健全かつ適切な運営を確保するため必要があると認めるときは、当該職員に銀行(当該銀行を所属銀行とする銀行代理業者を含む。)の営業所その他の施設に立ち入らせ、その業務若しくは財産の状況に関し質問させ、又は帳簿書類その他の物件を検査させることができる。
Article 25(1)If the Prime Minister finds it to be necessary for ensuring the sound and appropriate management of a bank's services, the Prime Minister may have relevant officials enter the business office or other facilities of a bank (including a bank agent that has the bank as its principal bank), have those officials ask questions about the status of its business or property, and have them inspect its books, documents, and any other articles.
内閣総理大臣は、前項の規定による立入り、質問又は検査を行う場合において特に必要があると認めるときは、その必要の限度において、当該職員に銀行の子法人等若しくは当該銀行から業務の委託を受けた者の施設に立ち入らせ、銀行に対する質問若しくは検査に必要な事項に関し質問させ、又は帳簿書類その他の物件を検査させることができる。
(2)If an entry into facilities is to be made, and questioning or inspection is to be conducted pursuant to the provisions of the preceding paragraph and the Prime Minister finds it to be particularly necessary, the Prime Minister may, to the extent necessary, have relevant officials enter the facilities of a subsidiary corporation, etc. of the bank or the facilities of the person that the bank has entrusted with its services, have those officials ask questions about any particulars that are required to be asked in relation to the questioning or inspection of the bank, and have them inspect its books, documents, and any other articles.
前二項の場合において、当該職員は、その身分を示す証明書を携帯し、関係人の請求があつたときは、これを提示しなければならない。
(3)In the cases referred to in the preceding two paragraphs, the relevant officials must carry an identification card, and must present it if a person concerned requests them to do so.
第一項及び第二項の規定による権限は、犯罪捜査のために認められたものと解してはならない。
(4)The authority under paragraph (1) and paragraph (2) must not be construed as being granted for criminal investigation purposes.
前条第三項の規定は、第二項の規定による銀行の子法人等又は当該銀行から業務の委託を受けた者に対する質問及び検査について準用する。
(5)The provisions of paragraph (3) of the preceding Article apply mutatis mutandis to the questioning and inspection under the provisions of paragraph (2) of the subsidiary corporation, etc. of a bank or of the person that a bank has entrusted with its services.
(業務の停止等)
(Suspension of Services)
第二十六条内閣総理大臣は、銀行の業務若しくは財産又は銀行及びその子会社等の財産の状況に照らして、当該銀行の業務の健全かつ適切な運営を確保するため必要があると認めるときは、当該銀行に対し、措置を講ずべき事項及び期限を示して、当該銀行の経営の健全性を確保するための改善計画の提出を求め、若しくは提出された改善計画の変更を命じ、又はその必要の限度において、期限を付して当該銀行の業務の全部若しくは一部の停止を命じ、若しくは当該銀行の財産の供託その他監督上必要な措置を命ずることができる。
Article 26(1)If the Prime Minister finds it to be necessary for ensuring the sound and appropriate management of a bank's services in light of the status of business or property of a bank or the status of property of a bank and its subsidiary companies, etc., the Prime Minister may indicate to the bank the particulars for which the bank is required to take measures and the due date for taking them, ask the bank to submit an improvement plan for ensuring sound bank management, or order the bank to change the improvement plan that has been submitted, or may order the bank to suspend all or part of its services by setting a deadline, order the bank to deposit its assets, or order other measures that are necessary for supervision, to the extent necessary.
前項の規定による命令(改善計画の提出を求めることを含む。)であつて、銀行又は銀行及びその子会社等の自己資本の充実の状況によつて必要があると認めるときにするものは、内閣府令・財務省令で定める銀行又は銀行及びその子会社等の自己資本の充実の状況に係る区分に応じ、それぞれ内閣府令・財務省令で定めるものでなければならない。
(2)The order under the provisions of the preceding paragraph (including requesting a bank to submit an improvement plan) that is issued when it is found to be necessary in light of the adequacy of equity capital of a bank or that of a bank and its subsidiary companies, etc., must be an order specified by Cabinet Office Order or Ministry of Finance Order in accordance with the category of adequacy of equity capital of a bank or a bank and its subsidiary companies, etc. specified by Cabinet Office Order or Ministry of Finance Order.
(免許の取消し等)
(Revocation of Licenses)
第二十七条内閣総理大臣は、銀行が法令、定款若しくは法令に基づく内閣総理大臣の処分に違反したとき又は公益を害する行為をしたときは、当該銀行に対し、その業務の全部若しくは一部の停止若しくは取締役、執行役、会計参与、監査役若しくは会計監査人の解任を命じ、又は第四条第一項の免許を取り消すことができる。
Article 27If a bank violates laws and regulations, its articles of incorporation, or a disposition by the Prime Minister based on laws and regulations, or commits an act that harms the public interest, the Prime Minister may order the bank to suspend all or part of its services or to dismiss its director, executive officer, accounting advisor, company auditor, or accounting auditor, or may revoke the license referred to in Article 4, paragraph (1).
第二十八条内閣総理大臣は、前二条の規定により、銀行に対し、その業務の全部又は一部の停止を命じた場合において、その整理の状況に照らして必要があると認めるときは、第四条第一項の免許を取り消すことができる。
Article 28If the Prime Minister orders a bank to suspend all or part of its services pursuant to the provisions of the preceding two Articles, and finds it to be necessary in light of the circumstances of the suspension of the services, the Prime Minister may revoke the license referred to in Article 4, paragraph (1).
(資産の国内保有)
(Retention of Assets in Japan)
第二十九条内閣総理大臣は、預金者等の保護その他公益のため必要があると認めるときは、その必要の限度において、政令で定めるところにより、銀行に対し、その資産のうち政令で定めるものを国内において保有することを命ずることができる。
Article 29If the Prime Minister finds it to be necessary for protecting depositors, etc. or for public interest, the Prime Minister, to the extent necessary, may order a bank to retain the part of its assets specified by Cabinet Order in Japan, pursuant to the provisions of Cabinet Order.
第五章 合併、会社分割又は事業の譲渡若しくは譲受け
Chapter V Mergers, Company Splits, or Business Transfers or Acquisitions
(合併、会社分割又は事業の譲渡若しくは譲受けの認可等)
(Authorization for a Merger, Company Split, or Business Transfer or Acquisition)
第三十条銀行を全部又は一部の当事者とする合併(当該合併後存続する会社又は当該合併により設立される会社が銀行であるものに限るものとし、金融機関の合併及び転換に関する法律第三条(合併)の規定による合併に該当するものを除く。以下この章において「合併」という。)は、内閣総理大臣の認可を受けなければ、その効力を生じない。
Article 30(1)A merger in which banks are all or some of the parties (limited to one in which the surviving company or the company incorporated in the merger is a bank, and excluding a merger that falls under the merger pursuant to the provisions of Article 3 (Mergers) of the Act on Financial Institutions' Merger and Conversion; hereinafter referred to as a "merger" in this Chapter) does not become effective without the authorization by the Prime Minister.
銀行を当事者とする会社分割は、政令で定めるものを除き、内閣総理大臣の認可を受けなければ、その効力を生じない。
(2)Except as specified by Cabinet Order, a company split to which a bank is a party does not become effective without the authorization by the Prime Minister.
銀行を当事者とする事業の全部又は一部の譲渡又は譲受けは、政令で定めるものを除き、内閣総理大臣の認可を受けなければ、その効力を生じない。
(3)Except as specified by Cabinet Order, a business transfer or acquisition to which a bank is a party and which involves all or part of a business does not become effective without the authorization by the Prime Minister.
銀行が信用金庫、信用協同組合又は労働金庫(これらの法人をもつて組織する連合会を含む。以下この章において「信用金庫等」という。)から事業の全部又は一部を譲り受ける場合においては、当該信用金庫等を会社とみなして、私的独占の禁止及び公正取引の確保に関する法律(昭和二十二年法律第五十四号)第十六条(事業の譲受け等の制限)及び同条に係る同法の規定を適用する。
(4)If a bank acquires all or part of the business of a Shinkin bank, credit cooperative, or labor bank (including a federation consisting of those corporations; hereinafter referred to as a "Shinkin bank, etc." in this Chapter), the Shinkin bank, etc. is deemed to be a company and the provisions of Article 16 (Restriction on Business Acquisitions) of the Act on Prohibition of Private Monopolization and Maintenance of Fair Trade (Act No. 54 of 1947) and other related provisions of that Act apply.
第三十一条内閣総理大臣は、前条の認可の申請があつたときは、次に掲げる基準に適合するかどうかを審査しなければならない。
Article 31When an application is filed for the authorization referred to in the preceding Article, the Prime Minister must examine whether the following criteria are met:
前条の規定による合併、会社分割、事業の全部又は一部の譲渡又は譲受け(以下この条において「合併等」という。)が、当該合併等の当事者である銀行等(銀行及び長期信用銀行をいう。第五十二条の六十の二を除き、以下同じ。)又は信用金庫等が業務を行つている地域(会社分割により事業の一部を承継させ、若しくは承継する場合又は事業の一部の譲渡若しくは譲受けに係る場合にあつては、当該一部の事業が行われている地域に限る。)における資金の円滑な需給及び利用者の利便に照らして、適当なものであること。
(i)a merger, company split, or transfer or acquisition of all or part of a business, pursuant to the provisions of the preceding Article (hereinafter referred to as the "merger, etc." in this Article) is appropriate in light of the smooth supply and demand of funds and customer convenience in the region where the bank, etc. (meaning a bank or long-term credit bank; hereinafter the same applies except in Article 52-60-2) or Shinkin bank, etc. which is party to the merger, etc. performs services (if a part of the business has been succeeded or is to be succeeded to in a company split or a part of the business is to be transferred or acquired, limited to the region in which that part of business is conducted);
合併等が金融機関相互間の適正な競争関係を阻害する等金融秩序を乱すおそれがないものであること。
(ii)it is unlikely that the merger, etc. is to disrupt the order of the financial system by impeding fair competition among financial institutions or in any other way; and
前条の認可の申請をした銀行又は合併により設立される銀行が、合併等の後に、その業務を的確、公正かつ効率的に遂行する見込みが確実であること。
(iii)the bank filing the application for the authorization referred to in the preceding Article or the bank incorporated in the merger is fully expected to perform its services appropriately, fairly, and efficiently after the merger, etc.
(みなし免許)
(Deemed License)
第三十二条第三十条第一項の認可を受けて合併により設立される銀行業を営む会社は、当該設立の時に、第四条第一項の内閣総理大臣の免許を受けたものとみなす。
Article 32A company engaged in banking which is incorporated as a result of merger by obtaining the authorization referred to in Article 30, paragraph (1) is deemed to have obtained the license referred to in Article 4, paragraph (1) granted by the Prime Minister at the time of its incorporation.
(合併の場合の債権者の異議の催告)
(Demands for Objection by the Creditors in a Merger)
第三十三条銀行が合併の決議をした場合においては、預金者等その他政令で定める債権者に対する会社法第七百八十九条第二項、第七百九十九条第二項又は第八百十条第二項(債権者の異議)の規定による催告は、することを要しない。
Article 33If a bank passes a resolution for a merger, the bank is not required to make the demand under the provisions of Article 789, paragraph (2), Article 799, paragraph (2), or Article 810, paragraph (2) (Objection by the Creditors) of the Companies Act to depositors, etc. or other creditors specified by Cabinet Order.
(会社分割の場合の債権者の異議の催告)
(Demand for Objection by the Creditors in the Case of Company Split)
第三十三条の二銀行が会社分割の決議をした場合においては、預金者等その他政令で定める債権者に対する会社法第七百八十九条第二項、第七百九十九条第二項又は第八百十条第二項(債権者の異議)の規定による催告は、することを要しない。
Article 33-2(1)If a bank passes a resolution for a company split, the bank is not required to make the demand under the provisions of Article 789, paragraph (2), Article 799, paragraph (2), or Article 810, paragraph (2) (Objection by the Creditors) of the Companies Act to depositors, etc. or other creditors specified by Cabinet Order.
会社法第七百五十九条第二項及び第三項(株式会社に権利義務を承継させる吸収分割の効力の発生等)、第七百六十一条第二項及び第三項(持分会社に権利義務を承継させる吸収分割の効力の発生等)、第七百六十四条第二項及び第三項(株式会社を設立する新設分割の効力の発生等)並びに第七百六十六条第二項及び第三項(持分会社を設立する新設分割の効力の発生等)の規定は、前項の規定により催告をすることを要しないものとされる預金者等その他政令で定める債権者には、適用しない。
(2)The provisions of Article 759, paragraph (2) and paragraph (3) (Effectuation of an Absorption-Type Company Split Which Causes the Succession of Rights and Obligations by a Stock Company), Article 761, paragraph (2) and paragraph (3) (Effectuation of an Absorption-Type Company Split Which Causes the Succession of Rights and Obligations by a Membership Company), Article 764, paragraph (2) and paragraph (3) (Effectuation of an Incorporation-type Company Split by Which a Stock Company Is Established), and Article 766, paragraph (2) and paragraph (3) (Effectuation of an Incorporation-type Company Split by Which a Membership Company is Established) of the Companies Act do not apply to depositors, etc. or to the creditors specified by Cabinet Order to which the demand for objection is not required to be made pursuant to the provisions of the preceding paragraph.
(事業の譲渡又は譲受けの場合の債権者の異議の催告等)
(Demand for Objection by the Creditors in the Case of Business Transfer or Acquisition)
第三十四条銀行を当事者とする事業の全部の譲渡又は譲受けについて株主総会の決議(会社法第四百六十八条(事業譲渡等の承認を要しない場合)の規定により同法第四百六十七条第一項(事業譲渡等の承認等)の決議によらずに事業の全部の譲受けを行う場合には、取締役会の決議又は執行役の決定)がされたときは、当該銀行は、当該決議又は決定の日から二週間以内に、当該決議又は決定の要旨及び当該事業の全部の譲渡又は譲受けに異議のある債権者は一定の期間内に異議を述べるべき旨を官報に公告し、かつ、預金者等その他政令で定める債権者以外の知れている債権者には、各別にこれを催告しなければならない。
Article 34(1)If a resolution at a shareholders meeting is passed for a business transfer or acquisition to which a bank is party which involves all of a business (or a board of directors' resolution or a decision of the executive officers, if the bank's acquisition of all of the business is to be made without the resolution referred to in Article 467, paragraph (1) (Approval for the Assignment of Business) of the Companies Act pursuant to the provisions of Article 468 (Cases where Approval for the Assignment of Business Is Not Required) of that Act), within two weeks after the day of the resolution or decision, the bank must issue public notice in the Official Gazette that gives an overview of the resolution or the decision and indicate that a creditor who has an objection to the transfer or acquisition of all of the business is required to state the objection within a fixed period of time, and must issue a demand separately to each known creditor other than a depositor, etc. or a creditor specified by Cabinet Order.
前項の期間は、一月を下つてはならない。
(2)The period referred to in the preceding paragraph must not be less than one month.
第一項の規定にかかわらず、銀行が、同項の規定による公告を、官報のほか、第五十七条の規定による定款の定めに従い、同条各号に掲げる公告方法によりするときは、同項の各別の催告は、することを要しない。
(3)Notwithstanding the provisions of paragraph (1), if, in addition to issuing public notice referred to in that paragraph in the Official Gazette, a bank issues public notice using a means of public notice set forth in the items of Article 57 in accordance with the provisions of the articles of incorporation pursuant to the provisions of that Article, the bank is not required to issue the separate demands referred to in paragraph (1).
債権者が第一項の期間内に異議を述べなかつたときは、当該債権者は、当該事業の全部の譲渡又は譲受けについて承認したものとみなす。
(4)If a creditor does not state an objection within the period referred to in paragraph (1), it is deemed that the creditor has accepted the transfer or acquisition of all of the business.
債権者が第一項の期間内に異議を述べたときは、当該銀行は、弁済し、又は相当の担保を提供し、若しくは当該債権者に弁済を受けさせることを目的として信託会社若しくは信託業務を営む他の金融機関に相当の財産を信託しなければならない。ただし、当該事業の全部の譲渡又は譲受けをしても当該債権者を害するおそれがないときは、この限りでない。
(5)If a creditor states an objection within the period referred to in paragraph (1), the bank must make payment or provide suitable collateral to the creditor, or must deposit suitable property with a trust company or other financial institutions engaging in trust business for the purpose of ensuring that the creditor will receive payment; provided, however, that this does not apply if the transfer or acquisition of all of the business is unlikely to harm the creditor.
第三十五条銀行を当事者とする事業の一部の譲渡又は譲受けについて株主総会若しくは取締役会の決議又は執行役の決定がされたときは、当該銀行は、当該決議又は決定の日から二週間以内に、当該決議又は決定の要旨及び当該事業の一部の譲渡又は譲受けに異議のある債権者は一定の期間内に異議を述べるべき旨を官報に公告することができる。ただし、預金者等その他政令で定める債権者以外の知れている債権者には、各別にこれを催告しなければならない。
Article 35(1)If a resolution at a shareholders meeting or of board of directors has been passed, or a decision of the executive officers has been made for the transfer or acquisition of part of the business to which a bank is party, within two weeks after the day of the resolution or decision, the bank may issue public notice in the Official Gazette that gives an overview of the resolution or the decision and indicate that a creditor who has an objection to the transfer or acquisition of part of the business is required to state the objection within a fixed period of time; provided, however, that the bank must issue a demand separately to each known creditor other than a depositor, etc. or a creditor specified by Cabinet Order.
前項の期間は、一月を下つてはならない。
(2)The period referred to in the preceding paragraph must not be less than one month.
前条第三項から第五項までの規定は、第一項の規定によりされた公告及び催告に係る債権者の異議について準用する。
(3)The provisions of paragraphs (3) through (5) of the preceding Article apply mutatis mutandis to the objection by a creditor that is subject to public notice or demand issued pursuant to the provisions of paragraph (1).
(会社分割又は事業の譲渡の公告等)
(Public Notice of Company Split or Business Transfer)
第三十六条銀行は、会社分割により事業の全部若しくは一部を承継させ、又は事業の全部若しくは一部を譲渡したときは、遅滞なくその旨を公告しなければならない。
Article 36(1)If a bank has all or part of its business succeeded to in a company split or transfers all or part of its business, the bank must issue public notice of this without delay.
その公告方法が第五十七条第一号に掲げる方法である銀行が前項の規定による公告をしたときは、当該公告をした銀行の債務者に対して民法第四百六十七条(債権の譲渡の対抗要件)の規定による確定日付のある証書による通知があつたものとみなす。この場合においては、当該公告の日付をもつて確定日付とする。
(2)If a bank whose means of public notice is the means set forth in Article 57, item (i) issues public notice pursuant to the preceding paragraph, notice is deemed to have been given to the creditors of the bank issuing that public notice, through an instrument bearing a fixed date pursuant to the provisions of Article 467 (Requirement of Perfection upon Assignment of Claim) of the Civil Code. In such a case, the date of the public notice is deemed to be the fixed date.
第六章 廃業及び解散
Chapter VI Business Discontinuation and Dissolution
(廃業及び解散等の認可)
(Authorization for Business Discontinuation and Dissolution)
第三十七条次に掲げる事項は、内閣総理大臣の認可を受けなければ、その効力を生じない。
Article 37(1)The following particulars do not become effective without the authorization by the Prime Minister:
銀行業の廃止に係る定款の変更についての株主総会の決議
(i)a resolution at a shareholders meeting to amend the articles of incorporation concerning the discontinuation of banking;
銀行を全部又は一部の当事者とする合併(第三十条第一項に規定する合併及び金融機関の合併及び転換に関する法律第三条(合併)の規定による合併に該当するものを除く。)
(ii)a merger in which banks are all or some of the parties (other than a merger prescribed in Article 30, paragraph (1) or a merger that falls under a merger pursuant to the provisions of Article 3 (Mergers) of the Act on Financial Institutions' Merger and Conversion); or
銀行の解散についての株主総会の決議
(iii)a resolution at a shareholders meeting on the dissolution of a bank.
内閣総理大臣は、前項の認可の申請があつたときは、次に掲げる基準のいずれかに適合するかどうかを審査しなければならない。
(2)When an application is filed for the authorization referred to in the preceding paragraph, the Prime Minister must examine whether any of the following criteria is met:
当該銀行業の廃止、合併又は解散が当該銀行の業務及び財産の状況に照らしてやむを得ないものであること。
(i)the discontinuation of the banking, the merger, or the dissolution is inevitable in light of the status of business and property of the bank; or
当該銀行業の廃止、合併又は解散が、当該銀行が業務を営んでいる地域における資金の円滑な需給及び利用者の利便に支障を及ぼすおそれのないものであること。
(ii)the discontinuation of the banking, the merger, or the dissolution is unlikely to impair the smooth supply and demand of funds and customer convenience in the region where the bank conducts business.
内閣総理大臣は、第二十六条第一項又は第二十七条の規定による業務の全部又は一部の停止の命令をした銀行から第一項の認可の申請があつた場合においては、当該銀行に対し、同項の認可をしてはならない。これらの命令をすること又は同条の規定により第四条第一項の免許を取り消すことが必要であると認める銀行から第一項の認可の申請があつた場合も、同様とする。
(3)If an application for the authorization referred to in paragraph (1) is filed by a bank that the Prime Minister has ordered to suspend all or part of its services pursuant to the provisions of Article 26, paragraph (1) or Article 27, the Prime Minister must not grant the bank the authorization referred to in paragraph (1). The same applies if an application for the authorization referred to in paragraph (1) is filed by a bank to which the Prime Minister finds it necessary to issue the order or revoke the license under Article 4, paragraph (1) pursuant to the provisions of Article 27.
(廃業等の公告等)
(Public Notice of Business Discontinuation)
第三十八条銀行は、前条第一項の認可を受けたときは、内閣府令で定めるところにより、直ちに、その旨及び当該認可を受けた事項の内容を公告するとともに、当該銀行を所属銀行とする銀行代理業者に通知し、かつ、一月を下らない期間、すべての営業所の公衆の目につきやすい場所に掲示しなければならない。
Article 38Upon obtaining the authorization referred to in paragraph (1) of the preceding Article, a bank must immediately issue public notice of this and the content of the particulars which has obtained the authorization, as well as notify bank agents that have that bank as their principal bank to that effect and post a notice to that effect in a place easily seen by the public at all of its business offices for a period of not less than one month, pursuant to the provisions of Cabinet Office Order.
(定款の解散事由の規定の効力)
(Effect of Provisions on Grounds for Dissolution in Articles of Incorporation)
第三十九条銀行は、会社法第四百七十一条第一号及び第二号(解散の事由)の規定にかかわらず、同条第一号又は第二号に掲げる事由によつては、解散しない。
Article 39Notwithstanding the provisions of Article 471, items (i) and (ii) (Grounds for Dissolution) of the Companies Act, a bank is not dissolved due to the grounds set forth in items (i) and (ii) of that Article.
(免許の取消しによる解散)
(Dissolution as a Result of the Revocation of License)
第四十条銀行は、第二十七条又は第二十八条の規定により第四条第一項の内閣総理大臣の免許を取り消されたときは、解散する。
Article 40A bank is dissolved if the license referred to in Article 4, paragraph (1) granted by the Prime Minister has been revoked pursuant to the provisions of Article 27 or Article 28.
(免許の失効)
(Expiration of License)
第四十一条銀行が次の各号のいずれかに該当するときは、第四条第一項の内閣総理大臣の免許は、効力を失う。
Article 41If a bank falls under one of the following items, the license referred to in Article 4, paragraph (1) granted by the Prime Minister ceases to be effective:
銀行業の全部を廃止したとき。
(i)it discontinues all of its banking;
会社分割により事業の全部を承継させ、又は事業の全部を譲渡したとき。
(ii)it has all of its business succeeded to in a company split or transfers all of its business;
解散したとき(設立、株式移転、合併(当該合併により銀行を設立するものに限る。)又は新設分割を無効とする判決が確定したときを含む。)。
(iii)it is dissolved (or a judgment invalidating its incorporation, share transfer, merger (limited to a merger resulting in the incorporation of a bank), or incorporation-type company split becomes final and binding); or
当該免許を受けた日から六月以内に業務を開始しなかつたとき(やむを得ない理由がある場合において、あらかじめ内閣総理大臣の承認を受けたときを除く。)。
(iv)it fails to commence services within six months after the day on which it has obtained the license (unless it has failed to do so due to compelling reasons, and obtained the approval of the Prime Minister in advance).
(免許の取消し等の場合のみなし銀行)
(Deemed Bank in the Case of Revocation of License)
第四十二条銀行が第二十七条若しくは第二十八条の規定により第四条第一項の内閣総理大臣の免許を取り消された場合又は前条の規定により当該免許が効力を失つた場合においては、当該銀行であつた会社は、第三十六条、第三十八条及び第四十六条第一項の規定の適用については、なお銀行とみなす。
Article 42If a bank has become subject to a revocation of the license referred to in Article 4, paragraph (1) granted by the Prime Minister pursuant to the provisions of Article 27 or Article 28, or if that license ceases to be effective pursuant to the provisions of the preceding Article, the company that was formerly that bank is deemed to remain a bank as concerns the application of the provisions of Article 36, Article 38, and Article 46, paragraph (1).
(他業会社への転移等)
(Conversion into a Non-Banking Company)
第四十三条銀行が第四十一条第一号の規定に該当して第四条第一項の内閣総理大臣の免許が効力を失つた場合において、当該銀行であつた会社に従前の預金又は定期積金等の債務が残存するときは、政令で定める場合を除き、内閣総理大臣は、当該会社が当該債務を完済する日又は当該免許が効力を失つた日以後十年を経過する日のいずれか早い日まで、当該会社に対し、当該債務の総額を限度として財産の供託を命じ、又は預金者等の保護を図るため当該債務の処理若しくは資産の管理若しくは運用に関し必要な命令をすることができる。
Article 43(1)If a bank falls under the provisions of Article 41, item (i) and the license referred to in Article 4, paragraph (1) granted by the Prime Minister ceases to be effective, and the company that was formerly that bank has outstanding obligations such as deposits or installment savings, etc., unless it is specified by Cabinet Order, the Prime Minister may order the company to deposit its assets limited to the total amount of its obligations, or may issue orders necessary for protecting the depositors, etc. with respect to the processing of their obligations, or the management or investment of their assets, before the day on which the company completes the payment of those obligations or the last day of the ten-year period after that license ceases to be effective, whichever comes first.
前項の規定は、銀行等以外の会社が合併又は会社分割により銀行の預金又は定期積金等の債務を承継した場合について準用する。
(2)The provisions of the preceding paragraph apply mutatis mutandis when a company other than a bank, etc. succeeds to the outstanding obligations of a bank such as deposits or installment savings, etc., through a merger or company split.
第二十四条第一項並びに第二十五条第一項、第三項及び第四項の規定は、前二項の規定の適用を受ける会社について準用する。
(3)The provisions of Article 24, paragraph (1) and Article 25, paragraphs (1), (3), and (4) apply mutatis mutandis to a company to which the provisions of the preceding two paragraphs are applicable.
(清算人の任免等)
(Appointment and Dismissal of Liquidators)
第四十四条銀行が第四条第一項の内閣総理大臣の免許の取消しにより解散した場合には、裁判所は、利害関係人若しくは内閣総理大臣の請求により又は職権をもつて、清算人を選任する。当該清算人の解任についても、同様とする。
Article 44(1)If a bank is dissolved due to the revocation of the license referred to in Article 4, paragraph (1) granted by the Prime Minister, the court appoints a liquidator at the request of an interested party or the Prime Minister, or by its authority. The same applies to the dismissal of the liquidator.
前項の場合を除くほか、裁判所は、利害関係人若しくは内閣総理大臣の請求により又は職権をもつて、清算人を解任することができる。この場合においては、裁判所は、清算人を選任することができる。
(2)Excluding the case referred to in the preceding paragraph, the court may dismiss a liquidator at the request of an interested party or the Prime Minister, or by its authority. In such a case, the court may appoint a new liquidator.
次に掲げる者は、清算をする銀行(次項並びに次条第三項、第五項、第七項及び第八項において「清算銀行」という。)の清算人となることができない。
(3)The following persons may not be appointed as the liquidator of a bank to be liquidated (referred to as "bank in liquidation" in the following paragraph and paragraph (3), paragraph (5), paragraph (7), and paragraph (8) of the following Article).
心身の故障のため職務を適正に執行することができない者として内閣府令で定める者
(i)a person specified by Cabinet Office Order as being unable to properly perform their duties due to mental or physical disorder; or
破産手続開始の決定を受けて復権を得ない者又は外国の法令上これと同様に取り扱われている者
(ii)a person subject to an order commencing bankruptcy proceedings and has not been released from bankruptcy restrictions, or a person that is treated in the same manner under foreign laws and regulations.
清算銀行の清算人に対する会社法第四百七十八条第八項(清算人の就任)において準用する同法第三百三十一条第一項第三号(取締役の資格等)の規定の適用については、同号中「この法律」とあるのは、「銀行法、この法律」とする。
(4)In applying the provisions of Article 331, paragraph (1), item (iii) (Qualifications of Directors) of the Companies Act as applied mutatis mutandis pursuant to Article 478, paragraph (8) (Assumption of the Role of Liquidator) of that Act to the liquidator of a bank in liquidation, the term "this Act" in that item is deemed to be replaced with "the Banking Act, this Act".
(清算の監督)
(Supervision of Liquidation)
第四十五条銀行の清算は、裁判所の監督に属する。
Article 45(1)The liquidation of a bank is subject to court supervision.
銀行の清算の監督は、銀行の本店の所在地を管轄する地方裁判所の管轄に属する。
(2)The supervision of a bank's liquidation falls under the jurisdiction of the district court with jurisdiction over the locality of the bank's head office.
裁判所は、清算銀行の清算事務及び財産の状況を検査するとともに、当該清算銀行に対し、財産の供託を命じ、その他清算の監督に必要な命令をすることができる。この場合においては、当該検査をさせるため、特別検査人を選任することができる。
(3)The court may inspect the progress of the liquidation process and the status of property of the bank in liquidation, as well as order the bank in liquidation to deposit its property and issue other orders that are necessary for supervising the liquidation. In such a case, the court may appoint a special inspector to conduct the inspection.
会社法第八百七十一条本文(理由の付記)、第八百七十二条(第一号に係る部分に限る。)(即時抗告)、第八百七十五条(非訟事件手続法の規定の適用除外)及び第八百七十六条(最高裁判所規則)の規定は前項前段の規定による命令について、同法第八百七十四条(第二号に係る部分に限る。)(不服申立ての制限)、第八百七十五条及び第八百七十六条の規定は同項後段の規定による特別検査人の選任について、それぞれ準用する。
(4)The provisions of the main clause of Article 871 (Appending of the Reason), Article 872 (limited to the part related to item (i)) (Immediate Appeal), Article 875 (Exclusion from Application of the Non-Contentious Case Procedures Act), and Article 876 (Rules of the Supreme Court) of the Companies Act apply mutatis mutandis to the order pursuant to the provisions of the first sentence of the preceding paragraph, and the provisions of Article 874 (limited to the part related to item (ii)) (Restriction on Appeals), Article 875, and Article 876 of the Companies Act apply mutatis mutandis to the appointment of a special inspector pursuant to the provisions of the second sentence of the preceding paragraph.
裁判所は、第三項後段の規定により特別検査人を選任した場合には、清算銀行が当該特別検査人に対して支払う報酬の額を定めることができる。
(5)When the court appoints a special inspector pursuant to the second sentence of paragraph (3), it may determine the amount of remuneration that the bank in liquidation pays to the special inspector.
会社法第八百七十条第一項(第一号に係る部分に限る。)(陳述の聴取)、第八百七十二条(第四号に係る部分に限る。)(即時抗告)、第八百七十五条(非訟事件手続法の規定の適用除外)及び第八百七十六条(最高裁判所規則)の規定は、前項の報酬の額の決定について準用する。
(6)The provisions of Article 870, paragraph (1) (limited to the part related to item (i)) (Hearing of Statements), Article 872 (limited to the part related to item (iv)) (Immediate Appeal), Article 875 (Exclusion from Application of the Non-Contentious Case Procedures Act), and Article 876 (Rules of the Supreme Court) of the Companies Act apply mutatis mutandis to the determination of the amount of remuneration referred to in the preceding paragraph.
清算銀行の清算人は、その就任の日から二週間以内に、次に掲げる事項を裁判所に届け出なければならない。
(7)The liquidator of a bank in liquidation must notify the court of the following particulars within two weeks from the day of assuming the position:
解散の事由(会社法第四百七十五条第二号又は第三号(清算の開始原因)に掲げる場合に該当することとなつた清算銀行にあつては、その旨)及びその年月日
(i)the grounds for dissolution (or, if the bank in liquidation comes to fall under the case set forth in Article 475, item (ii) or (iii) (Causes of Commencement of Liquidation) of the Companies Act, that fact) and the date of dissolution; and
清算人の氏名及び住所
(ii)the name and address of the liquidator.
清算銀行の清算人は、会社法第四百九十二条第三項(財産目録等の作成等)の規定により同項に規定する財産目録等について株主総会の承認を受けた場合には、遅滞なく、当該財産目録等(当該財産目録等が電磁的記録をもつて作成されている場合にあつては、当該電磁的記録に記録された事項を記載した書面)を裁判所に提出しなければならない。
(8)Upon obtaining the approval at the shareholders meeting pursuant to Article 492, paragraph (3) (Preparation of Inventory of Property) of the Companies Act for the inventory of property provided for in that paragraph, the liquidator of the bank in liquidation must submit the inventory of property (if the inventory of property is prepared as an electronic or magnetic record, a document stating the particulars recorded in the electronic or magnetic record) to the court without delay.
(清算手続等における内閣総理大臣の意見等)
(The Prime Minister's Opinion in Liquidation Proceedings)
第四十六条裁判所は、銀行の清算手続、破産手続、再生手続、更生手続又は承認援助手続において、内閣総理大臣に対し、意見を求め、又は検査若しくは調査を依頼することができる。
Article 46(1)In the liquidation proceedings, bankruptcy proceedings, rehabilitation proceedings, reorganization proceedings, or recognition and assistance proceedings for a bank, the court may ask for the opinion of the Prime Minister, or may request the Prime Minister to conduct an inspection or investigation.
内閣総理大臣は、前項に規定する手続において、必要があると認めるときは、裁判所に対し、意見を述べることができる。
(2)In the proceedings referred to in the preceding paragraph, if the Prime Minister finds it to be necessary, the Prime Minister may state an opinion to the court.
第二十五条第一項、第三項及び第四項の規定は、第一項の規定により内閣総理大臣が裁判所から検査又は調査の依頼を受けた場合について準用する。
(3)The provisions of Article 25, paragraphs (1), (3), and (4) apply mutatis mutandis when the Prime Minister is requested by the court to conduct an inspection or investigation pursuant to the provisions of paragraph (1).
第七章 外国銀行支店
Chapter VII Foreign Bank Branch Offices
(外国銀行の免許等)
(Licenses for Foreign Banks)
第四十七条外国銀行が日本において銀行業を営もうとするときは、当該外国銀行は、内閣府令で定めるところにより、当該外国銀行の日本における銀行業の本拠となる一の支店(以下この章において「主たる外国銀行支店」という。)を定めて、第四条第一項の内閣総理大臣の免許を受けなければならない。
Article 47(1)A foreign bank must establish a single branch office that serves as the base of operations of the foreign bank's banking in Japan (hereinafter referred to as the "main foreign bank branch office" in this Chapter) and obtain the license referred to in Article 4, paragraph (1) to be granted by the Prime Minister under Article 4, paragraph (1) pursuant to the provisions of Cabinet Office Order, if the foreign bank seeks to engage in banking in Japan.
前項の規定により外国銀行が第四条第一項の内閣総理大臣の免許を受けたときは、その主たる外国銀行支店及び当該外国銀行の日本における他の支店その他の営業所(以下この章において「従たる外国銀行支店」という。)(以下この章において「外国銀行支店」と総称する。)を一の銀行とみなし、当該外国銀行の日本における代表者を当該一の銀行とみなされた外国銀行支店の取締役とみなして、この法律の規定を適用する。ただし、第四条の二、第五条、第六条、第七条の二第四項、第八条、第十二条の二第三項、第十三条第二項及び第四項、第十四条第二項、第二章の二、第十七条、第十八条、第十九条第二項、第二十条第二項、第二十一条第二項、第二十二条、第二十三条、第二十四条第二項及び第三項(これらの規定中子法人等に係る部分に限る。)、第二十五条第二項及び第五項(これらの規定中子法人等に係る部分に限る。)、第三十条第一項及び第二項、第三十二条から第三十三条の二まで、第三十六条(会社分割に係る部分に限る。)、第三十七条第一項第二号及び第三号、第三十九条、第四十条、第四十一条第二号(会社分割に係る部分に限る。)及び第三号、第四十三条、第四十四条、第七章の三、第五十三条第一項(第一号、第五号及び第八号を除く。)、第二項、第三項及び第七項、第五十五条第二項及び第三項、第五十六条第五号から第九号まで、第五十七条並びに第五十七条の二第二項の規定を除く。
(2)Once a foreign bank obtains the license referred to in Article 4, paragraph (1) granted by the Prime Minister pursuant to the provisions of the preceding paragraph, the main foreign bank branch office, other branch offices and business offices of that foreign bank in Japan (hereinafter referred to as a "secondary foreign bank branch office" in this Chapter) (hereinafter collectively referred to as "foreign bank branch office" in this Chapter) are deemed to be a single bank, the foreign bank's representative in Japan is deemed to be the director of the foreign bank branch office that is deemed to be a single bank, and the provisions of this Act apply; provided, however, that the provisions of Article 4-2, Article 5, Article 6, Article 7-2, paragraph (4), Article 8, Article 12-2, paragraph (3), Article 13, paragraphs (2) and (4), Article 14, paragraph (2), Chapter II-2, Article 17, Article 18, Article 19, paragraph (2), Article 20, paragraph (2), Article 21, paragraph (2), Article 22, Article 23, Article 24, paragraphs (2) and (3) (limited to the parts of these provisions related to subsidiary corporation, etc.), Article 25, paragraphs (2) and (5) (limited to the parts of these provisions related to subsidiary corporation, etc.), Article 30, paragraphs (1) and (2), Articles 32 through 33-2, Article 36 (limited to the part related to company splits), Article 37, paragraph (1), items (ii) and (iii), Article 39, Article 40, Article 41, item (ii) (limited to the part related to company splits) and item (iii), Article 43, Article 44, Chapter VII-3, Article 53, paragraph (1) (excluding items (i), (v), and (viii)), and paragraphs (2), (3), and (7); Article 55, paragraphs (2) and (3), Article 56, items (v) through (ix), Article 57, and Article 57-2, paragraph (2), are excluded from the application.
前項の場合において、第十条第二項(第八号の二に係る部分に限る。)及び次章の規定並びにこれらの規定に係る第九章及び第十章の規定の適用については、外国銀行支店に係る外国銀行の主たる営業所及びその外国における支店その他の営業所(以下この項において「外国銀行外国営業所」と総称する。)は、一の外国銀行とみなし、当該外国銀行支店が行う当該外国銀行支店に係る外国銀行の外国銀行外国営業所とその顧客の取引の仲介(外国銀行の業務の代理又は媒介に相当するものとして内閣府令で定めるものに限る。)は、当該一の外国銀行の業務の媒介とみなし、当該取引の仲介に係る外国銀行外国営業所は、当該外国銀行支店が当該一の外国銀行の業務の媒介の委託を受ける旨の契約の相手方とみなす。
(3)In the cases referred to in the preceding paragraph, in applying the provisions of Article 10, paragraph (2) (limited to the part related to item (viii)-2) and the provisions of the following Chapter, and the provisions of Chapters IX and X related to those provisions, the main business office of the foreign bank with which a foreign bank branch office is affiliated, and its branch offices and other business offices in the foreign country (hereinafter collectively referred to as a "business office in the home country of a foreign bank") are deemed to be a single foreign bank; the foreign bank branch office's intermediation of transactions between the business offices in the home country of the foreign bank with which the foreign bank branch office is affiliated and its customer (limited to acting as the intermediary or agent specified by Cabinet Office Order as equivalent to acting as the intermediary or agent for the services of a foreign bank) is deemed to be intermediation of the services of the single foreign bank; and the business offices in the home country which are involved in the foreign bank branch office's intermediation of the transactions are deemed to be the other party to a contract indicating that the foreign bank branch office is entrusted with acting as an intermediary for the services of that single foreign bank.
外国銀行に対する第四条第一項の内閣総理大臣の免許に係る特例、外国銀行支店に対しこの法律の規定を適用する場合における技術的読替えその他外国銀行支店に対するこの法律の規定の適用に関し必要な事項は、政令で定める。
(4)The special provisions for a foreign bank on the license referred to in Article 4, paragraph (1) granted by the Prime Minister, the technical replacement of terms when the provisions of this Act are applied to a foreign bank branch office, and any other particulars necessary in applying the provisions of this Act to a foreign bank branch office, are specified by Cabinet Order.
(外国銀行支店の資本金に対応する資産の国内保有)
(Retention of Assets Corresponding to the Stated Capital of a Foreign Bank Branch Office in Japan)
第四十七条の二外国銀行支店は、常時、政令で定めるところにより、十億円を下回らない範囲内において政令で定める額以上の資本金に対応する資産を国内において保有していなければならない。
Article 47-2Pursuant to the provisions of Cabinet Order, a foreign bank branch office must retain the assets corresponding to its stated capital in Japan at all times, for the amount exceeding the amount specified by Cabinet Order within the scope of not less than one billion yen.
(従たる外国銀行支店の設置等)
(Establishment of a Secondary Foreign Bank Branch Office)
第四十七条の三外国銀行支店は、従たる外国銀行支店の設置、種類の変更又は廃止をしようとするときは、内閣府令で定める場合を除き、内閣府令で定めるところにより、内閣総理大臣の認可を受けなければならない。
Article 47-3Except in cases specified by Cabinet Office Order, a foreign bank branch office must obtain the authorization by the Prime Minister pursuant to the provisions of Cabinet Office Order when it seeks to establish a secondary foreign bank branch office, change the type of the branch office, or close the branch office.
(外国銀行支店の事業年度)
(Business Year of Foreign Bank Branch Offices)
第四十七条の四外国銀行支店の事業年度は、四月一日から翌年三月三十一日までの期間又は当該外国銀行支店に係る外国銀行の事業年度の期間と同一の期間(当該期間が一年であるものであつて、当該期間の開始の日が各月の初日であるものに限る。)とする。ただし、事業年度の開始の日を変更する場合における変更前の最後の事業年度については、変更後の最初の事業年度の開始の日の前日までとする。
Article 47-4The business year of a foreign bank branch office is from April 1 to March 31 of the following year, or is the same period as that of the business year of the foreign bank with which the foreign bank branch office is affiliated (limited to a business year with a period of one year, which commences on the first day of a month); provided, however, that in changing the first day of the business year, the last business year before the change runs up until the day before the first day of the first business year after the change.
(外国銀行支店の資料の提出等)
(Submission of Materials by Foreign Bank Branch Office)
第四十八条内閣総理大臣は、外国銀行支店の業務の健全かつ適切な運営を確保するため必要があると認めるときは、外国銀行支店(当該外国銀行支店を所属銀行とする銀行代理業者を含む。)に対し、外国銀行支店に係る外国銀行(当該外国銀行と政令で定める特殊の関係のある者を含む。)の業務又は財産の状況に関する報告又は資料の提出を求めることができる。
Article 48When the Prime Minister finds it to be necessary for ensuring the sound and appropriate management of the services of a foreign bank branch office, the Prime Minister may request a foreign bank branch office (including a bank agent that has that foreign bank branch office as its principal bank) to make a report or submit materials on the status of business or property of the foreign bank with which the foreign bank branch office is affiliated (including a person that has a unique relationship specified by Cabinet Order with that foreign bank).
(外国銀行支店の届出)
(Notification by Foreign Bank Branch Offices)
第四十九条外国銀行支店は、当該外国銀行支店に係る外国銀行が次の各号のいずれかに該当するときは、内閣府令で定めるところにより、その旨を内閣総理大臣に届け出なければならない。
Article 49(1)If the foreign bank with which a foreign bank branch office is affiliated falls under one of the following items, the branch office must file a notification to that effect with the Prime Minister, pursuant to the provisions of Cabinet Office Order:
資本金又は出資の額を変更したとき。
(i)it changes the amount of stated capital or contribution;
商号又は本店の所在地を変更したとき。
(ii)it changes its trade name or the location of its head office;
合併をし、会社分割により事業を承継させ、若しくは承継し、又は事業の全部若しくは重要な一部の譲渡若しくは譲受け(当該外国銀行支店のみに係るものを除く。)をしたとき。
(iii)it merges, has its business succeeded to in a company split or succeeds to a business in a company split, or, transfers or acquires all or a material part of its business (other than a business that only involves the foreign bank branch office);
解散(合併によるものを除く。)をし、又は銀行業の廃止をしたとき。
(iv)it is dissolved (other than a dissolution as a result of a merger) or discontinues banking;
銀行業に係る免許(当該免許に類する許可、登録その他の行政処分を含む。)を取り消されたとき。
(v)its banking license (including any permission, registration, or other administrative dispositions similar to the license) is revoked;
破産手続開始の決定があつたとき。
(vi)it becomes subject to an order commencing bankruptcy proceedings; or
その他内閣府令で定める場合に該当するとき。
(vii)it falls under a case specified by Cabinet Office Order.
外国銀行支店は、次の各号のいずれかに該当するときは、内閣府令で定めるところにより、その旨を内閣総理大臣に届け出なければならない。
(2)If a foreign bank branch office falls under one of the following items, it must file a notification to that effect with the Prime Minister, pursuant to the provisions of Cabinet Office Order:
主たる外国銀行支店又は従たる外国銀行支店の位置の変更をしようとするとき(内閣府令で定める場合を除く。)。
(i)it seeks to change the location of the main foreign bank branch office or a secondary foreign bank branch office (excluding the case specified by Cabinet Office Order);
従たる外国銀行支店(支店でない営業所を除く。以下この号において同じ。)を主たる外国銀行支店とし、主たる外国銀行支店を従たる外国銀行支店としようとするとき。
(ii)it seeks to make a secondary foreign bank branch office (other than a business office that is not a branch office; hereinafter the same applies in this item) the main foreign bank branch office and make the main foreign bank branch office a secondary foreign bank branch office;
外国銀行支店の事業年度の変更をしようとするとき。
(iii)it seeks to change the business year of a foreign bank branch office; or
その他内閣府令で定める場合に該当するとき。
(iv)it falls under a case specified by Cabinet Office Order.
(外国銀行支店の公告方法)
(Means of Public Notice by Foreign Bank Branch Offices)
第四十九条の二外国銀行支店は、公告方法として、次に掲げる方法のいずれかを定めなければならない。
Article 49-2(1)A foreign bank branch must establish one of the following means as its means of public notice:
時事に関する事項を掲載する日刊新聞紙に掲載する方法
(i)publication in a daily newspaper that publishes information about current events; or
電子公告(会社法第二条第三十四号(定義)に規定する電子公告をいう。以下同じ。)
(ii)electronic public notice (meaning electronic public notice as defined in Article 2, item (xxxiv) (Definitions) of the Companies Act; the same applies hereinafter).
会社法第九百四十条第三項(電子公告の公告期間等)、第九百四十一条(電子公告調査)、第九百四十六条(調査の義務等)、第九百四十七条(電子公告調査を行うことができない場合)、第九百五十一条第二項(財務諸表等の備置き及び閲覧等)、第九百五十三条(改善命令)及び第九百五十五条(調査記録簿等の記載等)の規定は、外国銀行支店が電子公告によりこの法律又は他の法律の規定による公告(会社法の規定による公告を除く。)をする場合について準用する。この場合において、同法第九百四十条第三項中「前二項」とあるのは「銀行法第四十七条第二項の規定により外国銀行支店を一の銀行とみなして適用する同法第五十七条の二第一項」と読み替えるものとするほか、必要な技術的読替えは、政令で定める。
(2)The provisions of Article 940, paragraph (3) (Public Notice Period of Electronic Public Notice), Article 941 (Electronic Public Notice Investigation), Article 946 (Obligation of Investigation), Article 947 (Cases Where an Electronic Public Notice Investigation is Unable to be Carried Out), Article 951, paragraph (2) (Keeping and Inspection of Financial Statements), Article 953 (Order for Improvement), and Article 955 (Statements in an Investigation Record Book) of the Companies Act apply mutatis mutandis when a foreign bank branch office issues public notice pursuant to the provisions of this Act or any other laws (other than a public notice pursuant to the provisions of the Companies Act) by an electronic public notice. In such a case, the term "preceding two paragraphs" in Article 940, paragraph (3) of that Act is deemed to be replaced with "Article 57-2, paragraph (1) of the Banking Act as applied when the foreign bank branch office is deemed to be a single bank pursuant to the provisions of Article 47, paragraph (2) of that Act", and any other necessary technical replacement of terms is specified by Cabinet Order.
(外国銀行に対する免許の失効)
(Expiration of License for Foreign Banks)
第五十条第四十九条第一項第三号から第六号までのいずれかに該当して同項の規定による届出(同項第三号に係る届出にあつては当該合併後当該外国銀行支店に係る外国銀行が消滅することとなる合併、当該外国銀行支店に係る事業の全部を承継させることとなる会社分割及び事業の全部の譲渡に係る届出に限るものとし、同項第四号に係る届出にあつては銀行業の一部の廃止に係る届出を除く。)があつたときは、当該届出をした外国銀行支店に係る外国銀行に対する第四条第一項の内閣総理大臣の免許は、効力を失う。
Article 50When a foreign bank branch office files a notification under Article 49, paragraph (1) due to the fact that it falls under one of the cases of Article 49, paragraph (1), items (iii) through (vi) (for a notification under item (iii) of that paragraph, limited to a notification concerning a merger that results in the foreign bank with which the foreign bank branch office is affiliated disappearing, a company split that results in all of the business of the foreign bank branch office being succeeded to, or the transfer of all business, and for a notification under item (iv) of that paragraph, excluding a notification concerning partial discontinuation of banking), the license referred to in Article 4, paragraph (1) granted by the Prime Minister for the foreign bank with which the foreign bank branch office that files the notification is affiliated ceases to be effective.
(外国銀行支店の清算)
(Liquidation of Foreign Bank Branch Offices)
第五十一条外国銀行支店は、次の各号のいずれかに該当するときは、日本にある財産の全部について清算をしなければならない。
Article 51(1)If a foreign bank branch office falls under one of the following items, it must liquidate all of its property in Japan:
第二十七条又は第二十八条の規定により当該外国銀行支店に係る外国銀行に対する第四条第一項の内閣総理大臣の免許を取り消されたとき。
(i)the license referred to in Article 4, paragraph (1) granted by the Prime Minister for the foreign bank with which the foreign bank branch is affiliated is revoked pursuant to the provisions of Article 27 or Article 28; or
第四十一条第一号又は前条の規定により当該外国銀行支店に係る外国銀行に対する第四条第一項の内閣総理大臣の免許が効力を失つたとき。
(ii)the license referred to in Article 4, paragraph (1) granted by the Prime Minister for the foreign bank with which the foreign bank branch office is affiliated ceases to be effective pursuant to the provisions of Article 41, item (i) or the preceding Article.
前項の規定により外国銀行支店が清算をする場合には、裁判所は、利害関係人若しくは内閣総理大臣の請求により又は職権をもつて、清算人を選任する。当該清算人の解任についても、同様とする。
(2)If a foreign bank branch office is liquidated pursuant to the provisions of the preceding paragraph, the court appoints a liquidator at the request of an interested party or the Prime Minister, or by its authority. The same applies to the dismissal of that liquidator.
会社法第四百七十六条(清算株式会社の能力)、第二編第九章第一節第二款(清算株式会社の機関)、第四百九十二条(財産目録等の作成等)、同節第四款(債務の弁済等)、第五百八条(帳簿資料の保存)、同章第二節(第五百十条、第五百十一条及び第五百十四条を除く。)(特別清算)、第七編第三章第一節(総則)及び第三節(特別清算の手続に関する特則)並びに第九百三十八条第一項から第五項まで(特別清算に関する裁判による登記の嘱託)の規定は、その性質上許されないものを除き、第一項の規定による日本にある外国銀行支店の財産についての清算について準用する。
(3)The provisions of Article 476 (Capacity of Liquidating Stock Companies), Part II, Chapter IX, Section 1, Subsection 2 (Structures for Liquidating Stock Companies), Article 492 (Preparation of Inventory of Property), Subsection 4 of that Section (Performance of Obligations), Article 508 (Retention of Accounting Materials), Section 2 of that Chapter (excluding Article 510, Article 511, and Article 514) (Special Liquidations), Part VII, Chapter III, Section 1 (General Provisions) and Section 3 (Special Provisions on the Procedures of Special Liquidation), and Article 938, paragraphs (1) through (5) (Commissioning of Registration by a Juridical Decision Concerning Special Liquidation) of the Companies Act apply mutatis mutandis to the liquidation of the property of a foreign bank branch office in Japan pursuant to the provisions of paragraph (1), other than property to which those provisions cannot be applied due to its nature.
第四条第一項の免許を受けた外国銀行については、会社法第八百二十条(日本に住所を有する日本における代表者の退任)の規定は、適用しない。
(4)The provisions of Article 820 (Resignation of Representatives in Japan Whose Addresses are in Japan) of the Companies Act do not apply to a foreign bank that has obtained the license referred to in Article 4, paragraph (1).
外国銀行支店に対する会社法第八百二十二条第一項(日本にある外国会社の財産についての清算)の規定の適用については、同項中「利害関係人」とあるのは、「利害関係人若しくは内閣総理大臣」とする。
(5)In applying the provisions of Article 822, paragraph (1) (Liquidation of a Foreign Company's Assets in Japan) of the Companies Act to a foreign bank branch office, the term "interested persons" in that paragraph is deemed to be replaced with "an interested person or the Prime Minister".
(外国銀行の駐在員事務所の設置の届出等)
(Notification of the Establishment of the Representative Office of Foreign Banks)
第五十二条外国銀行(外国銀行が外国銀行支店を設けている場合は、当該外国銀行支店。以下この条において同じ。)は、次に掲げる業務を行うため、日本において駐在員事務所その他の施設を設置しようとする場合(他の目的により設置している事務所その他の施設において当該業務を行おうとする場合を含む。)には、あらかじめ、当該業務の内容、当該業務を行う施設の所在地その他内閣府令で定める事項を内閣総理大臣に届け出なければならない。
Article 52(1)When seeking to establish a representative office or other facilities in Japan in order to engage in the following business (including when seeking to engage in the business at an office or other facilities already established for another purpose), a foreign bank (or, if the foreign bank has established a foreign bank branch office, that foreign bank branch office; hereinafter the same applies in this Article) must file a notification with the Prime Minister with respect to the details of the services, the location of the facility where it will engage in the services, and other particulars specified by Cabinet Office Order, in advance:
銀行の業務に関する情報の収集又は提供
(i)the collection or provision of information concerning the bank's services; or
その他銀行の業務に関連を有する業務
(ii)other business associated with the bank's services.
内閣総理大臣は、公益上必要があると認めるときは、外国銀行に対し、前項の施設において行う同項各号に掲げる業務に関し報告又は資料の提出を求めることができる。
(2)If the Prime Minister finds it to be necessary in the public interest, the Prime Minister may ask a foreign bank to make a report or submit materials on the business set forth in the items of the preceding paragraph which will be performed at a facility referred to in that paragraph.
外国銀行は、その設置した第一項の施設を廃止したとき、当該施設において行う同項各号に掲げる業務を廃止したときその他同項の規定により届け出た事項を変更したときは、遅滞なくその旨を内閣総理大臣に届け出なければならない。
(3)If a foreign bank closes a facility referred to in paragraph (1) which it has established, if it discontinues a business set forth in the items of that paragraph which is performed at that facility, or if it changes any other particulars for which it has filed a notification pursuant to the provisions of that paragraph, the foreign bank must file a notification with the Prime Minister to that effect, without delay.
第七章の二 外国銀行代理業務に関する特則
Chapter VII-2 Special Provisions on Foreign Bank Agency Services
(外国銀行代理業務に係る認可等)
(Authorization for Foreign Bank Agency Services)
第五十二条の二銀行は、第十条第二項第八号の二に掲げる業務(次条第二号から第四号までを除き、以下「外国銀行代理業務」という。)を営もうとするときは、当該外国銀行代理業務の委託を受ける旨の契約の相手方である外国銀行(次条第二号から第四号までを除き、以下「所属外国銀行」という。)ごとに、内閣府令で定めるところにより、あらかじめ、内閣総理大臣の認可を受けなければならない。
Article 52-2(1)When seeking to perform services set forth in Article 10, paragraph (2), item (viii)-2 (hereinafter referred to as "foreign bank agency services", except in items (ii) through (iv) of the following Article), a bank must obtain the authorization by the Prime Minister pursuant to the provisions of Cabinet Office Order in advance, for each foreign bank that is the other party to a contract providing that the bank is being entrusted with the foreign bank agency services (the foreign bank is hereinafter referred to as "principal foreign bank", except in items (ii) through (iv) of the following Article).
前項の規定にかかわらず、銀行は、外国銀行グループ(外国銀行及びその子会社である外国銀行その他の内閣府令で定める者の集団をいう。)ごとに、認可を受けて当該外国銀行グループに属する外国銀行を所属外国銀行とする外国銀行代理業務を営むことができる。
(2)Notwithstanding the provisions of the preceding paragraph, for each foreign bank group (meaning a group consisting of a foreign bank and the foreign bank's subsidiary companies that are foreign banks or of any other persons specified by Cabinet Office Order), a bank may perform foreign bank agency services that has a foreign bank that belongs to that foreign bank group as the principal foreign bank, by obtaining an authorization.
第一項の規定は、銀行が当該銀行の子会社である外国銀行その他の内閣府令で定める外国銀行を所属外国銀行として外国銀行代理業務を営もうとするときは、適用しない。この場合において、当該銀行は、当該外国銀行代理業務に係る所属外国銀行ごとに、内閣府令で定めるところにより、あらかじめ、内閣総理大臣に届け出なければならない。
(3)The provisions of paragraph (1) do not apply if a bank seeks to perform foreign bank agency services by having its subsidiary company which is a foreign bank or any other foreign bank specified by Cabinet Office Order as its principal foreign bank. In such a case, the bank must file a notification with the Prime Minister, pursuant to the provisions of Cabinet Office Order in advance, for each principal foreign bank that is involved in the relevant foreign bank agency services.
(外国銀行の免許に関する特例)
(Special Provisions on the License of Foreign Banks)
第五十二条の二の二次の各号に掲げる場合には、当該各号に定める業務(第十条第一項第一号又は第三号に掲げる業務に限る。)については、第四条第一項及び第四十七条第一項の規定は、適用しない。
Article 52-2-2The provisions of Article 4, paragraph (1) and Article 47, paragraph (1) do not apply to the cases set forth in any of the following items (limited to services set forth in Article 10, paragraph (1), item (i) or (iii)):
銀行が、前条第一項若しくは第二項の認可を受け、又は同条第三項の規定による届出をして外国銀行代理業務を営んでいる場合 当該外国銀行代理業務に係る所属外国銀行の当該外国銀行代理業務に係る業務
(i)a bank performs foreign bank agency services with the authorization referred to in paragraph (1) or (2) of the preceding Article or by filing a notification under the provisions of paragraph (3) of that Article: services related to foreign bank agency services performed by the principal foreign bank involved in the foreign bank agency services;
長期信用銀行が、長期信用銀行法第六条の三第一項若しくは第二項(外国銀行代理業務に係る認可等)の認可を受け、又は同条第三項の規定による届出をして外国銀行代理業務(同条第一項に規定する外国銀行代理業務をいう。)を営んでいる場合 当該外国銀行代理業務に係る所属外国銀行(同条第一項に規定する所属外国銀行をいう。)の当該外国銀行代理業務に係る業務
(ii)a long-term credit bank performs foreign bank agency services (meaning foreign bank agency services provided for in Article 6-3, paragraph (1) of the Long-Term Credit Bank Act) by obtaining the authorization referred to in paragraph (1) or paragraph (2) (Authorization for Foreign Bank Agency Services) of that Article or by filing a notification under the provisions of paragraph (3) of that Article: services related to foreign bank agency services performed by the principal foreign bank (meaning a principal foreign bank provided for in paragraph (1) of that Article) that is involved in the foreign bank agency services;
信用金庫連合会が、信用金庫法第五十四条の二第二項(外国銀行代理業務に係る認可等)の規定による届出をして外国銀行代理業務(同項に規定する外国銀行代理業務をいう。)を営んでいる場合 当該外国銀行代理業務に係る所属外国銀行(同条第一項に規定する所属外国銀行をいう。)の当該外国銀行代理業務に係る業務
(iii)a federation of Shinkin banks performs foreign bank agency services (meaning foreign bank agency services provided for in Article 54-2, paragraph (2) (Authorization for Foreign Bank Agency Services) of the Shinkin Bank Act) by filing the notification under the provisions of that paragraph: services related to foreign bank agency services performed by the principal foreign bank (meaning a principal foreign bank provided for in paragraph (1) of that Article) that is involved in the foreign bank agency services; and
農林中央金庫が、農林中央金庫法第五十九条の四第二項(外国銀行代理業務に係る認可等)の規定による届出をして外国銀行代理業務(同条第一項に規定する外国銀行代理業務をいう。)を営んでいる場合 当該外国銀行代理業務に係る所属外国銀行(同条第一項に規定する所属外国銀行をいう。)の当該外国銀行代理業務に係る業務
(iv)The Norinchukin Bank performs foreign bank agency services (meaning the foreign bank agency services provided for in Article 59-4, paragraph (1) (Authorization for Foreign Bank Agency Services) of the Norinchukin Bank Act) by filing the notification under the provisions of Article 59-4, paragraph (2) of that Act: services related to the foreign bank agency services performed by the principal foreign bank (meaning the principal foreign bank provided for in paragraph (1) of that Article) that is involved in the foreign bank agency services.
第五十二条の二の三銀行が、第五十二条の二第一項若しくは第二項の認可を受け、又は同条第三項の規定による届出をして外国銀行代理業務を営んでいる場合には、当該外国銀行代理業務に係る所属外国銀行が業としてする預り金(出資の受入れ、預り金及び金利等の取締りに関する法律(昭和二十九年法律第百九十五号)第二条第二項(預り金の禁止)に規定する預り金をいう。)であつて当該外国銀行代理業務に係るものについては、同法第二条第一項の規定は、適用しない。
Article 52-2-3If a bank performs foreign bank agency services by obtaining the authorization referred to in Article 52-2, paragraph (1) or (2) or by filing the notification under the provisions of paragraph (3) of that Article, the provisions of Article 2, paragraph (1) (Prohibition on Deposits) of the Act Regulating the Receipt of Contributions, the Receipt of Deposits, and Interest Rates (Act No. 195 of 1954) do not apply to a deposit (meaning a deposit as defined in Article 2, paragraph (2) of that Act) that is made on a regular basis by the principal foreign bank that is involved in the foreign bank agency services which is related to the foreign bank agency services.
貸金業法の特例)
(Special Provisions of the Money Lending Business Act)
第五十二条の二の四銀行が、第五十二条の二第一項若しくは第二項の認可を受け、又は同条第三項の規定による届出をして外国銀行代理業務を営んでいる場合には、当該外国銀行代理業務に係る所属外国銀行が業として行う貸付け(貸金業法(昭和五十八年法律第三十二号)第二条第一項(定義)に規定する貸付けをいう。)であつて当該外国銀行代理業務に係るものについては、同法第二条第一項に規定する貸金業に該当しないものとみなす。
Article 52-2-4If a bank performs foreign bank agency services by obtaining the authorization referred to in Article 52-2, paragraph (1) or (2) or by filing the notification under the provisions of paragraph (3) of that Article, a loan (meaning a loan as defined in Article 2, paragraph (1) (Definitions) of the Money Lending Business Act (Act No. 32 of 1983)) related to the foreign bank agency services which is made on a regular basis by the principal foreign bank that is involved in the foreign bank agency services is deemed not to fall under the money lending business as defined in Article 2, paragraph (1) of that Act.
(外国銀行代理銀行についての金融商品取引法の準用)
(Application, Mutatis Mutandis of the Financial Instruments and Exchange Act to Foreign Bank's Agent Banks)
第五十二条の二の五金融商品取引法第三章第一節第五款(第三十四条の二第六項から第八項まで(特定投資家が特定投資家以外の顧客とみなされる場合)並びに第三十四条の三第五項及び第六項(特定投資家以外の顧客である法人が特定投資家とみなされる場合)を除く。)(特定投資家)、同章第二節第一款(第三十五条から第三十六条の四まで(第一種金融商品取引業又は投資運用業を行う者の業務の範囲、第二種金融商品取引業又は投資助言・代理業のみを行う者の兼業の範囲、業務管理体制の整備、顧客に対する誠実義務、標識の掲示、名義貸しの禁止、社債の管理の禁止等)、第三十七条第一項第二号(広告等の規制)、第三十七条の二(取引態様の事前明示義務)、第三十七条の三第一項第二号及び第六号並びに第三項(契約締結前の書面の交付)、第三十七条の五から第三十七条の七まで(保証金の受領に係る書面の交付、書面等による解除、指定紛争解決機関との契約締結義務等)、第三十八条第一号、第二号、第七号及び第八号並びに第三十八条の二(禁止行為)、第三十九条第三項ただし書、第四項、第六項及び第七項(損失補填等の禁止)並びに第四十条の二から第四十条の七まで(最良執行方針等、分別管理が確保されていない場合の売買等の禁止、金銭の流用が行われている場合の募集等の禁止、特定投資家向け有価証券の売買等の制限、特定投資家向け有価証券に関する告知義務、のみ行為の禁止、店頭デリバティブ取引に関する電子情報処理組織の使用義務等)を除く。)(通則)及び第四十五条(第三号及び第四号を除く。)(雑則)の規定は、外国銀行代理銀行(第五十二条の二第一項若しくは第二項の認可を受け、又は同条第三項の規定による届出をして外国銀行代理業務を営んでいる銀行をいう。以下同じ。)が行う外国銀行代理業務に係る特定預金等契約の締結の代理又は媒介について準用する。この場合において、これらの規定中「金融商品取引契約」とあるのは「特定預金等契約」と、「金融商品取引業」とあるのは「特定預金等契約の締結の代理又は媒介の業務」と、「締結の勧誘又は締結」とあるのは「締結の勧誘又は締結の代理若しくは媒介」と、これらの規定(同法第三十四条(特定投資家への告知義務)の規定を除く。)中「金融商品取引行為」とあるのは「特定預金等契約の締結」と、同法第三十四条中「顧客を相手方とし、又は顧客のために金融商品取引行為(第二条第八項各号に掲げる行為をいう。以下同じ。)を行うことを内容とする契約」とあるのは「銀行法第十三条の四に規定する特定預金等契約」と、「を過去に当該特定投資家との間で締結」とあるのは「の締結の代理又は媒介を過去に当該特定投資家との間で」と、「を締結する」とあるのは「の締結の代理又は媒介をする」と、同法第三十四条の二第五項第二号中「締結する」とあるのは「締結の代理又は媒介をする」と、同法第三十四条の三第二項第四号イ中「と対象契約」とあるのは「による代理若しくは媒介により対象契約」と、同条第四項第二号中「締結する」とあるのは「締結の代理又は媒介をする」と、同法第三十七条の三第一項中「を締結しようとするとき」とあるのは「の締結の代理又は媒介を行うとき」と、「交付しなければならない」とあるのは「交付するほか、預金者等(銀行法第二条第五項に規定する預金者等をいう。以下この項において同じ。)の保護に資するため、内閣府令で定めるところにより、当該特定預金等契約の内容その他預金者等に参考となるべき情報の提供を行わなければならない」と、同項第一号中「金融商品取引業者等」とあるのは「外国銀行代理銀行(銀行法第五十二条の二の五に規定する外国銀行代理銀行をいう。)の所属外国銀行(同法第五十二条の二第一項に規定する所属外国銀行をいう。)」と、同法第三十九条第一項第一号中「有価証券の売買その他の取引(買戻価格があらかじめ定められている買戻条件付売買その他の政令で定める取引を除く。)又はデリバティブ取引(以下この条において「有価証券売買取引等」という。)」とあるのは「特定預金等契約の締結」と、「有価証券又はデリバティブ取引(以下この条において「有価証券等」という。)」とあるのは「特定預金等契約」と、「顧客(信託会社等(信託会社又は金融機関の信託業務の兼営等に関する法律第一条第一項の認可を受けた金融機関をいう。以下同じ。)が、信託契約に基づいて信託をする者の計算において、有価証券の売買又はデリバティブ取引を行う場合にあつては、当該信託をする者を含む。以下この条において同じ。)」とあるのは「顧客」と、「補足するため」とあるのは「補足するため、当該特定預金等契約によらないで」と、同項第二号中「有価証券売買取引等」とあるのは「特定預金等契約の締結」と、「有価証券等」とあるのは「特定預金等契約」と、「追加するため」とあるのは「追加するため、当該特定預金等契約によらないで」と、同項第三号中「有価証券売買取引等」とあるのは「特定預金等契約の締結」と、「有価証券等」とあるのは「特定預金等契約」と、「追加するため、」とあるのは「追加するため、当該特定預金等契約によらないで」と、同条第二項中「有価証券売買取引等」とあるのは「特定預金等契約の締結」と、同条第三項中「原因となるものとして内閣府令で定めるもの」とあるのは「原因となるもの」と、同法第四十五条第二号中「第三十七条の二から第三十七条の六まで、第四十条の二第四項及び第四十三条の四」とあるのは「第三十七条の三(第一項の書面の交付に係る部分に限り、同項第二号及び第六号並びに第三項を除く。)及び第三十七条の四」と、「締結した」とあるのは「締結の代理若しくは媒介をした」と読み替えるものとするほか、必要な技術的読替えは、政令で定める。
Article 52-2-5The provisions of Chapter III, Section 1, Subsection 5 (excluding Article 34-2, paragraphs (6) through (8) (Cases in Which a Professional Investor Is Deemed to Be a Customer Other Than a Professional Investor) and Article 34-3, paragraph (5) and paragraph (6) (When a Customer Other than a Professional Investor Is a Corporation and That Corporation Is Deemed to Be a Professional Investor)) (Professional Investors), Section 2, Subsection 1 of that Chapter (excluding Articles 35 through 36-4 (Scope of Services for Persons Engaged in Type-I Financial Instruments Business or Investment Management Business; Scope of Concurrent Business by Persons Only Engage in Type-II Financial Instruments Business or Investment Advisory and Agency Business; Establishment of an Operational Control System; Duty of Sincerity to Customers; Posting Signs; Prohibition on Name Lending; Prohibition on Corporate Bond Management), Article 37, paragraph (1), item (ii) (Regulation of Advertising), Article 37-2 (Obligation to Clarify the Conditions of Transactions in Advance), Article 37-3, paragraph (1), items (ii) and (vi) and paragraph (3) (Delivery of Documents Prior to the Conclusion of a Contract), Articles 37-5 through 37-7 (Delivery of Documents in Connection with the Receipt of a Security Deposit; Written Cancellation; Obligation to Conclude a Contract with a Designated Dispute Resolution Organization), Article 38, item (i), item (ii), item (vii) and item (viii), and Article 38-2 (Prohibited Actions), the proviso to Article 39, paragraph (3), and paragraph (4), paragraph (6) and paragraph (7) of that Article (Prohibition on Compensation of Loss), and Articles 40-2 through 40-7 (Best Execution Policy; Prohibition of Purchase and Sale If Separate Management Is Not Ensured; Prohibition of Public Offering If Money Has Been Diverted; Restrictions on the Purchase and Sale of Securities for Professional Investors; Obligation to Notify in Connection with Securities for Professional Investors; Prohibition of Trading Against Self; Obligation to Use an Electronic Data Processing System for Over-the-Counter Transactions of Derivatives) (General Rules), and Article 45 (excluding items (iii) and (iv)) (Miscellaneous Provisions) of the Financial Instruments and Exchange Act apply mutatis mutandis to actions as an agent or intermediary for a person's entry into a contract for specified deposit, etc. in connection with foreign bank agency services that a foreign bank's agent bank (meaning a bank that performs foreign bank agency services by obtaining the authorization referred to in Article 52-2, paragraph (1) or (2) or by filing a notification under the provisions of paragraph (3) of that Article; the same applies hereinafter) performs. In such a case, in these provisions, the term "financial instruments transaction contract" is deemed to be replaced with "contract for specified deposit, etc."; the term "financial instruments business" is deemed to be replaced with "services as an agent or intermediary in a person's entry into a contract for specified deposit, etc."; the term "in soliciting... to conclude... or in concluding" is deemed to be replaced with "performs actions as the agent or intermediary in a person's entry into"; the term "act that constitutes a financial instruments transaction" in these provisions (excluding Article 34 of that Act) is deemed to be replaced with "conclusion of a contract for specified deposit, etc."; in Article 34 (Obligation to Notify Professional Investors) of that Act, the term "contract for the financial instruments business operator, etc. to perform an act that constitutes a financial instruments transaction (meaning an act set forth in the items of Article 2, paragraph (8); the same applies hereinafter) with the customer as the other party or on behalf of the customer" is deemed to be replaced with "contract for specified deposit, etc. prescribed in Article 13-4 of the Banking Act", the term "and has in the past concluded a financial instruments transaction contract with that professional investor" is deemed to be replaced with "and has in the past acted as agent or intermediary in a person's conclusion of a contract for specified deposit, etc. with that professional investor", and the term "concluding" is deemed to be replaced with "acting as agent or intermediary in a person's entry into"; in Article 34-2, paragraph (5), item (ii) of that Act, the term "concludes" is deemed to be replaced with "acts as agent or intermediary in a person's entry into"; the term "subject contract with" in Article 34-3, paragraph (2), item (iv), (a) of that Act is deemed to be replaced with "a subject contract through acting as an agent or intermediary for"; the term "concludes" in Article 34-3, paragraph (4), item (ii) is deemed to be replaced with "acts as an agent or intermediary for a person's conclusion of"; in Article 37-3, paragraph (1) of that Act, the term "seeks to conclude" is deemed to be replaced with "acts as agent or intermediary for a person's conclusion of" and the term "it must deliver a document stating the following particulars to the customer in advance" is deemed to be replaced with "in addition to delivering a document stating the following particulars to the customer in advance, it must provide information about the contents of contracts for specified deposit, etc. and other information that is to serve as a reference to the depositors, etc., pursuant to the provisions of Cabinet Office Order, in order to contribute to the protection of depositors, etc. (meaning the depositors, etc. as defined in Article 2, paragraph (5) of the Banking Act; hereinafter the same applies in this paragraph)"; in Article 37-3, paragraph (1), item (i) of that Act, the term "the financial instruments business operator, etc." is deemed to be replaced with "the principal foreign bank (meaning a principal foreign bank as defined in Article 52-2, paragraph (1) of the Banking Act) with which the foreign bank's agent bank (meaning the foreign bank's agent bank as defined in Article 52-2-5 of that Act) is affiliated"; in Article 39, paragraph (1), item (i) of that Act, the term "a purchase and sale or other transaction of securities (excluding a purchase and sale with a repurchase requirement and a predetermined repurchase price, and other transactions specified by Cabinet Order) or a derivatives transaction (hereinafter referred to as a "purchase and sale or other transactions of securities, etc." in this Article)" is deemed to be replaced with "the conclusion of a contract for specified deposit, etc.", the term "securities or derivatives transaction (hereinafter referred to as 'securities, etc.' in this Article)" is deemed to be replaced with "contract for specified deposit, etc.", the term "customer (if a trust company, etc. (meaning a trust company or a financial institution that has obtained the authorization referred to in Article 1, paragraph (1) of the Act on Engagement in Trust Business Activities by Financial Institutions; the same applies hereinafter) conducts the purchase and sale of securities or a derivatives transaction on the account of a person that establishes a trust based on a trust contract, this includes the person that establishes the trust; hereinafter the same applies in this Article)" is deemed to be replaced with "customer", and the term "to supplement its profits" is deemed to be replaced with "to supplement its profits, other than as under the contract for specified deposit, etc. "; in Article 39, paragraph (1), item (ii) of that Act, the term "a purchase and sale or other transaction of securities, etc." is deemed to be replaced with "the conclusion of a contract for specified deposit, etc.", the term "securities, etc." is deemed to be replaced with "contract for specified deposit, etc." and the term "in order to add to the profit that the customer has accrued in connection with those securities, etc." is deemed to be replaced with "in order to add to the profit that the customer has accrued in connection with those securities, etc., other than as under the contract for specified deposit, etc."; in item (iii) of that paragraph, the term "a purchase and sale or other transaction of securities, etc." is deemed to be replaced with "the conclusion of a contract for specified deposit, etc.", the term "securities, etc." is deemed to be replaced with "contract for specified deposit, etc." and the term "in order to add to the profit that the customer has accrued in connection with those securities, etc." is deemed to be replaced with "in order to add to the profit that the customer has accrued in connection with those securities, etc., other than as under the contract for specified deposit, etc."; in paragraph (2) of that Article, the term "a purchase and sale or other transaction of securities, etc." is deemed to be replaced with "the conclusion of a contract for specified deposit, etc."; in paragraph (3) of that Article, the term "which is specified by Cabinet Office Order as a potential cause of" is deemed to be replaced with "which is a potential cause of"; in Article 45, item (ii) of that Act, the phrase "Articles 37-2 through 37-6; Article 40-2, paragraph (4); and Article 43-4" is deemed to be replaced with "Article 37-3 (limited to the part that involves the delivery of documents under paragraph (1); excluding the provisions of paragraph (1), item (ii) and item (vi) and paragraph (3)) and Article 37-4" and the term "concluded" is deemed to be replaced with "acted as agent or intermediary for a person's entry into"; and any other necessary technical replacement of terms is specified by Cabinet Order.
(所属外国銀行に係る説明書類等の縦覧)
(Public Inspection of Explanatory Documents of Principal Foreign Banks)
第五十二条の二の六外国銀行代理銀行は、内閣府令で定めるところにより、その所属外国銀行及びその所属外国銀行を子会社とする持株会社で外国の法令に準拠して設立された会社(以下この項において「外国銀行持株会社」という。)がその事業年度ごとに作成した書面であつて、当該所属外国銀行又は当該外国銀行持株会社の業務及び財産の状況に関する事項を記載したもの(第二十一条第一項及び第二項並びに第五十二条の二十九第一項に規定する事業年度に係る説明書類又はこれに類するものであつて、日本語又は英語により記載したものに限る。)を、当該所属外国銀行のために外国銀行代理業務を営む国内のすべての営業所(無人の営業所を除く。次項において同じ。)に備え置き、公衆の縦覧に供しなければならない。
Article 52-2-6(1)Pursuant to the provisions of Cabinet Office Order, a foreign bank's agent bank must keep the documents that its principal foreign bank and a company incorporated under foreign laws and regulations as the holding company that has the principal foreign bank as its subsidiary company (hereinafter referred to as a "foreign bank holding company" in this paragraph) prepares each business year that states the particulars of the status of business and property of the principal foreign bank and foreign bank holding company (limited to the explanatory documents for the business year prescribed in Article 21, paragraphs (1) and (2) and Article 52-29, paragraph (1) and documents similar to them which are written in Japanese or English) at all business offices in Japan where the foreign bank's agent bank performs foreign bank agency services for that principal foreign bank (excluding unmanned business offices; the same applies in the following paragraph), and must make them available for public inspection.
前項に規定する書面が電磁的記録をもつて作成されているときは、外国銀行代理業務を営むすべての営業所において、当該書面の内容である情報を電磁的方法により不特定多数の者が提供を受けることができる状態に置く措置として内閣府令で定めるものをとることができる。この場合においては、同項に規定する書面を、同項の規定により備え置き、公衆の縦覧に供したものとみなす。
(2)If the documents provided for in the preceding paragraph have been prepared as electronic or magnetic records, the foreign bank's agent bank may take a measure that is specified by Cabinet Office Order as a measure that uses electronic or magnetic means to make the information contained in those documents available to many and unspecified persons at all of the business offices where the foreign bank's agent bank provides foreign bank agency services. In such a case, the foreign bank's agent bank is deemed to have kept the documents provided for in the preceding paragraph and made them available for public inspection pursuant to the provisions of that paragraph.
(外国銀行代理業務の健全化措置)
(Measures for Ensuring Sound Foreign Bank Agency Services)
第五十二条の二の七外国銀行代理銀行は、内閣府令で定めるところにより、その所属外国銀行の業務又は財産の状況に関する事項の顧客への説明その他の当該外国銀行代理銀行が営む外国銀行代理業務の健全かつ適切な運営を確保するための措置を講じなければならない。
Article 52-2-7Pursuant to the provisions of Cabinet Office Order, a foreign bank's agent bank must explain to customers the particulars of the status of business and property of its principal foreign bank, and take other measures for ensuring the sound and appropriate management of the foreign bank agency services performed by that foreign bank's agent bank.
(所属外国銀行に関する資料の提出等)
(Submission of Materials on Principal Foreign Banks)
第五十二条の二の八内閣総理大臣は、外国銀行代理業務の健全かつ適切な運営を確保するため必要があると認めるときは、外国銀行代理銀行に対し、その所属外国銀行(当該所属外国銀行と政令で定める特殊の関係のある者を含む。)の業務又は財産の状況に関する報告又は資料の提出を求めることができる。
Article 52-2-8If the Prime Minister finds it to be necessary for ensuring the sound and appropriate management of foreign bank agency services, the Prime Minister may request a foreign bank's agent bank to make a report or submit materials on the status of business or property of its principal foreign bank (including a person that has a unique relationship specified by Cabinet Order with the principal foreign bank).
(所属外国銀行に関する届出等)
(Notification Concerning Principal Foreign Banks)
第五十二条の二の九外国銀行代理銀行は、その所属外国銀行(外国銀行代理銀行(外国銀行支店に限る。)が営む外国銀行代理業務に係る所属外国銀行(当該外国銀行支店に係る外国銀行に限る。)を除く。)が次の各号のいずれかに該当するときは、内閣府令で定めるところにより、その旨を内閣総理大臣に届け出なければならない。
Article 52-2-9(1)When the principal foreign bank of a foreign bank's agent bank (excluding a principal foreign bank (limited to the foreign bank with which the foreign bank branch is affiliated) related to the foreign bank agency services that the foreign bank's agency bank performs (limited to the services performed by that foreign bank branch)) falls under one of the following items, the foreign bank's agent bank must file a notification to that effect with the Prime Minister pursuant to the provisions of Cabinet Office Order:
資本金又は出資の額を変更したとき。
(i)it changes the amount of stated capital or contribution;
商号又は本店の所在地を変更したとき。
(ii)it changes its trade name or the location of its head office;
合併をし、会社分割により事業を承継させ、若しくは承継し、又は事業の全部若しくは重要な一部の譲渡若しくは譲受け(当該外国銀行支店のみに係るものを除く。)をしたとき。
(iii)it merges, has its business succeeded to or succeeds to a business in a company split, or transfers or acquires all or a material part of the business (excluding business that only involves the foreign bank branch office);
解散(合併によるものを除く。)をし、又は銀行業の廃止をしたとき。
(iv)it is dissolved (excluding dissolution as a result of a merger) or discontinues banking;
銀行業に係る免許(当該免許に類する許可、登録その他の行政処分を含む。)を取り消されたとき。
(v)its banking license (including permission, registration, or any other administrative dispositions similar to the license) is revoked;
破産手続開始の決定があつたとき。
(vi)it becomes subject to an order commencing bankruptcy proceedings; or
その他内閣府令で定める場合に該当するとき。
(vii)it falls under the case specified by Cabinet Office Order.
外国銀行代理銀行は、前項(第二号から第六号までに係る部分に限る。)の規定による届出をしたときは、内閣府令で定めるところにより、その届出をした内容を公告するとともに、一月を下らない期間、当該届出に係る所属外国銀行に係る外国銀行代理業務を営む当該外国銀行代理銀行のすべての営業所の公衆の目につきやすい場所に掲示しなければならない。
(2)When a foreign bank's agent bank files a notification under the provisions of the preceding paragraph (limited to the part related to items (ii) through (vi)) it must issue public notice of the content of that notification, as well as post a notice to that effect in a place easily seen by the public at all of the business offices of the foreign bank's agent bank where it performs foreign bank agency services for the principal foreign bank to which the notification pertains for a period of not less than one month, pursuant to the provisions of Cabinet Office Order.
(準用)
(Application, Mutatis Mutandis)
第五十二条の二の十第五十二条の四十、第五十二条の四十一、第五十二条の四十三から第五十二条の四十五(第四号を除く。)まで、第五十二条の四十九及び第五十二条の五十第一項の規定は、銀行代理業者に係るものにあつては外国銀行代理銀行について、所属銀行に係るものにあつては所属外国銀行について、銀行代理業に係るものにあつては外国銀行代理業務について、それぞれ準用する。この場合において、第五十二条の四十五第五号中「所属銀行の業務」とあるのは、「外国銀行代理業務」と読み替えるものとするほか、必要な技術的読替えは、政令で定める。
Article 52-2-10The provisions of Article 52-40, Article 52-41, Articles 52-43 through 52-45 (excluding item (iv)), Article 52-49 and Article 52-50, paragraph (1), apply mutatis mutandis to a foreign bank's agent bank for provisions related to a bank agent, to a principal foreign bank for provisions related to a principal bank, and to a foreign bank agency services for provisions related to foreign bank agency services. In such cases, the term "services of the principal bank" in Article 52-45, item (v) is deemed to be replaced with "foreign bank agency services," and any other necessary technical replacement of terms is specified by Cabinet Order.
第七章の三 株主
Chapter VII-3 Shareholders
第一節 通則
Section 1 General Rules
(銀行等の議決権保有に係る届出書の提出)
(Submission of Notification on Holding of Voting Rights in a Bank)
第五十二条の二の十一一の銀行の総株主の議決権の百分の五を超える議決権又は一の銀行持株会社の総株主の議決権の百分の五を超える議決権の保有者(国、地方公共団体その他これらに準ずるものとして政令で定める法人(第五十二条の九において「国等」という。)を除く。以下この章及び第九章において「銀行議決権大量保有者」という。)は、内閣府令で定めるところにより、銀行議決権大量保有者となつた日から五日(日曜日その他政令で定める休日の日数は、算入しない。次条第一項において同じ。)以内(保有する議決権の数に増加がない場合その他の内閣府令で定める場合にあつては、内閣府令で定める日以内)に、次に掲げる事項を記載した届出書(以下この章において「銀行議決権保有届出書」という。)を内閣総理大臣に提出しなければならない。
Article 52-2-11(1)A person that holds voting rights that exceed five percent of the total shareholder voting rights in a single bank or voting rights that exceed five percent of the total shareholder voting rights in a single bank holding company (excluding national or local government or a corporation specified by Cabinet Order as equivalent to the national or local government (referred to as the "national government, etc." in Article 52-9); hereinafter referred to as a "major holder of voting rights in a bank" in this Chapter and Chapter IX) must submit a notification that states the following particulars (hereinafter referred to as a "notification on holding of voting rights in a bank" in this Chapter) to the Prime Minister, within five days (Sundays and other non-business days specified by Cabinet Order are not included; the same applies in paragraph (1) of the following Article) from the day on which the person has become the major holder of voting rights in the bank (or within the number of days specified by Cabinet Office Order, if the number of voting rights held by the person has not increased or in other case specified by Cabinet Office Order), pursuant to the provisions of Cabinet Office Order:
議決権保有割合(銀行議決権大量保有者の保有する当該銀行議決権大量保有者がその総株主の議決権の百分の五を超える議決権の保有者である銀行又は銀行持株会社の議決権の数を、当該銀行又は当該銀行持株会社の総株主の議決権で除して得た割合をいう。以下この章において同じ。)に関する事項、取得資金に関する事項、保有の目的その他の銀行又は銀行持株会社の議決権の保有に関する重要な事項として内閣府令で定める事項
(i)the particulars of the percentage of voting rights held (meaning the percentage arrived at when the number of voting rights that the major holder of voting rights in the bank holds, in the bank or bank holding company in which that major holder of voting rights in the bank holds voting rights that exceeds five percent of the total shareholder voting rights, is divided by the total shareholder voting rights in that bank or bank holding company; hereinafter the same applies in this Chapter), the particulars of funds for acquisition, the purpose of holding the voting rights, and any other particulars specified by Cabinet Office Order as material particulars of voting rights held in a bank or bank holding company;
商号、名称又は氏名及び住所
(ii)its trade name or name, and its address;
法人である場合においては、その資本金の額(出資総額を含む。)及びその代表者の氏名
(iii)if it is a corporation, the amount of its stated capital (including the total amount of contribution) and the name of its representative; and
事業を行つているときは、営業所の名称及び所在地並びにその事業の種類
(iv)if it engages in business, the name and location of its business office and the type of the business.
第二条第十一項の規定は、前項の場合において銀行議決権大量保有者が保有する議決権について準用する。
(2)The provisions of Article 2, paragraph (11) apply mutatis mutandis to the voting rights held by the major holder of voting rights in a bank in the case referred to in the preceding paragraph.
(銀行議決権保有届出書に関する変更報告書の提出)
(Submission of Written Report on Changes to Notification on Holding of Voting Rights in a Bank)
第五十二条の三銀行議決権大量保有者は、一の銀行の総株主の議決権の百分の五を超える議決権又は一の銀行持株会社の総株主の議決権の百分の五を超える議決権の保有者となつた日の後に、前条第一項各号に掲げる事項の変更があつた場合(議決権保有割合の変更の場合にあつては、百分の一以上増加し又は減少した場合に限る。)には、内閣府令で定めるところにより、その日から五日以内(保有する議決権の数に増加がない場合その他の内閣府令で定める場合にあつては、内閣府令で定める日以内)に、当該変更に係る報告書(以下この条及び次条において「変更報告書」という。)を内閣総理大臣に提出しなければならない。ただし、議決権保有割合が百分の一以上減少したことによる変更報告書で当該変更報告書に記載された議決権保有割合が百分の五以下であるものを既に提出している場合その他の内閣府令で定める場合については、この限りでない。
Article 52-3(1)If there is a change in a particular set forth in one of the items of paragraph (1) of the preceding Article (for a change in the percentage of voting rights held, limited to when the percentage increases or decreases by at least one percent) after the day on which a person becomes a holder of voting rights that exceeds five percent of the total shareholder voting rights in a single bank or of voting rights that exceeds five percent of the total shareholder voting rights in a single bank holding company, the major holder of voting rights in the bank must submit a written report of that change (hereinafter referred to as a "written report of changes" in this Article and the following Article) to the Prime Minister within five days from the day on which the change occurs (or within the number of days specified by Cabinet Office Order, if the number of voting rights that the person holds has not increased or in other cases specified by Cabinet Office Order), pursuant to the provisions of Cabinet Office Order; provided, however, that this does not apply if the person has already submitted a written report of changes based on a decrease of one percent or more in the percentage of voting rights held, and the percentage of voting rights held which is stated in that written report of changes is five percent or less, or to other cases specified by Cabinet Office Order.
議決権保有割合が減少したことにより変更報告書を提出する者は、短期間に大量の議決権を譲渡したものとして政令で定める基準に該当する場合においては、内閣府令で定めるところにより、譲渡の相手方及び対価に関する事項についても当該変更報告書に記載しなければならない。
(2)In the case that meets the criteria specified by Cabinet Order as a case in which a large number of voting rights have been transferred within a short time span, a person submitting a written report of changes based on a decrease in the percentage of voting rights held must also state the particulars of the party to which they have transferred the voting rights and the consideration received in that written report of changes, pursuant to the provisions of Cabinet Office Order.
銀行議決権保有届出書又は変更報告書(以下この節において「提出書類」という。)を提出する日の前日までに、新たに変更報告書を提出しなければならない事由が生じた場合には、当該変更報告書は、第一項本文の規定にかかわらず、提出されていない当該提出書類の提出と同時に内閣総理大臣に提出しなければならない。
(3)Notwithstanding the provisions of the main clause of paragraph (1), if, by the day before the day on which a person is to submit a notification on holding of voting rights in a bank or a written report of changes (hereinafter referred to as a "document for submission" in this Section), grounds that require the person to submit a new written report of changes arise, the person must submit the new written report of changes to the Prime Minister at the same time as it submits the document for submission that has not been submitted.
提出書類を提出した者は、当該提出書類に記載された内容が事実と相違し、又は記載すべき事項若しくは誤解を生じさせないために必要な事実の記載が不十分であり、若しくは欠けていると認めるときは、訂正報告書を内閣総理大臣に提出しなければならない。
(4)If a person that has submitted a document for submission finds that the content stated in that document differs from facts, or that the document insufficiently states or lacks a particular required to be stated or a statement of a fact necessary for avoiding misunderstanding, the person must submit an amended written report to the Prime Minister.
第二条第十一項の規定は、第一項及び第二項の場合において銀行議決権大量保有者が保有する議決権について準用する。
(5)The provisions of Article 2, paragraph (11) apply mutatis mutandis to the voting rights held by a major holder of voting rights in a bank for a case referred to in paragraph (1) or paragraph (2).
(銀行議決権保有届出書等に関する特例)
(Special Provisions on Notifications on Holding of Voting Rights in a Bank)
第五十二条の四銀行、金融商品取引業者(有価証券関連業を営む者に限る。)、信託会社(信託業法第三条又は第五十三条第一項の免許を受けたものに限る。)その他の内閣府令で定める者のうち基準日を内閣総理大臣に届け出た者が保有する議決権で当該議決権に係る株式の発行者である銀行又は銀行持株会社の営業活動を支配することを保有の目的としないもの(議決権保有割合が内閣府令で定める数を超えた場合及び保有の態様その他の事情を勘案して内閣府令で定める場合を除く。以下この条において「特例対象議決権」という。)に係る銀行議決権保有届出書は、第五十二条の二の十一第一項の規定にかかわらず、議決権保有割合が初めて百分の五を超える数となつた基準日における当該議決権の保有状況に関する事項であつて、内閣府令で定めるものを記載したものを、内閣府令で定めるところにより、当該基準日の属する月の翌月十五日までに、内閣総理大臣に提出しなければならない。
Article 52-4(1)Notwithstanding the provisions of Article 52-2-11, paragraph (1), a bank, financial instruments business operator (limited to one engaged in securities-related services), trust company (limited to one that has obtained the license referred to in Article 3 or Article 53, paragraph (1) of the Trust Business Act), or other persons specified by Cabinet Office Order that have filed a notification of the base date with the Prime Minister and that holds voting rights in respect of shares issued by a bank or bank holding company but does not hold them for the purpose of controlling the business of the bank or bank holding company that issued those shares (excluding the case in which the percentage of voting rights held exceeds the number specified by Cabinet Office Order and the case specified by Cabinet Office Order in consideration of the manner in which the voting rights are held and other circumstances; hereinafter referred to as "voting rights subject to special provisions" in this Article) must submit a notification on holding of voting rights in a bank concerning those shares to the Prime Minister, by the 15th of the month following the month in which the base date falls and pursuant to the provisions of Cabinet Office Order, in which it states the particulars specified by Cabinet Office Order as relevant to the holding status of those voting rights on the base date on which its percentage of voting rights held exceeded five percent for the first time.
特例対象議決権に係る変更報告書(当該議決権が特例対象議決権以外の議決権になる場合の変更に係るものを除く。)は、次の各号に掲げる場合の区分に応じ当該各号に定める日までに、内閣府令で定めるところにより、内閣総理大臣に提出しなければならない。
(2)A written report of changes for the voting rights subject to special provisions (excluding a report for a change in which the voting rights become those other than voting rights subject to special provisions) must be submitted to the Prime Minister by the day specified in the following items in accordance with the category of cases set forth in each item, pursuant to the provisions of Cabinet Office Order:
前項の銀行議決権保有届出書に係る基準日の後の基準日における議決権保有割合が当該銀行議決権保有届出書に記載された議決権保有割合より百分の一以上増加し又は減少した場合その他の同項に規定する内閣府令で定めるものの重要な変更があつた場合 当該後の基準日の属する月の翌月十五日
(i)the percentage of voting rights held on the base date that comes after the base date for the notification on holding of voting rights in a bank that is referred to in the preceding paragraph increases or decreases by one percent or more from the percentage of voting rights held that is stated in that notification on holding of voting rights in a bank, or there is a material change in a particular specified by Cabinet Office Order that is prescribed in that paragraph: the 15th of the month following the month in which the later base date falls;
当該銀行議決権保有届出書に係る基準日の属する月の後の月の末日において議決権保有割合が大幅に増加し又は減少した場合として内閣府令で定める基準に該当することとなつた場合 当該末日の属する月の翌月十五日
(ii)case that has come to meet the criteria specified by Cabinet Office Order as a case in which the percentage of voting rights held have considerably increased or decreased on the last day of any month after the month that includes the base date for a notification on holding of voting rights in a bank: the 15th of the month following the month in which the last day falls;
変更報告書に係る基準日の後の基準日における議決権保有割合が当該変更報告書に記載された議決権保有割合より百分の一以上増加し又は減少した場合その他の前項に規定する内閣府令で定めるものの重要な変更があつた場合 当該後の基準日の属する月の翌月十五日
(iii)the percentage of voting rights held on the base date that comes after the base date for the notification of changes increases or decreases by one percent or more from the percentage of voting rights held that is stated in that notification of changes, or there is other material changes in a particular specified by Cabinet Office Order that is prescribed in the preceding paragraph: the 15th of the month following the month in which the later base date falls; and
前三号に準ずる場合として内閣府令で定める場合 内閣府令で定める日
(iv)the case is specified by Cabinet Office Order as a case equivalent to one of the preceding three items: the day specified by Cabinet Office Order.
前二項の基準日とは、第一項に規定する内閣府令で定める者が内閣府令で定めるところにより内閣総理大臣に届出をした三月ごとの月の末日をいう。
(3)The base date referred to in the preceding two paragraphs means the last day of every third month, after the day on which the person specified by Cabinet Office Order that is prescribed in paragraph (1) files a notification with the Prime Minister pursuant to the provisions of Cabinet Office Order.
第二条第十一項の規定は、第一項及び第二項の場合において銀行議決権大量保有者が保有する特例対象議決権について準用する。
(4)The provisions of Article 2, paragraph (11) apply mutatis mutandis to the voting rights subject to special provisions held by a major holder of voting rights in a bank in the case referred to in paragraph (1) or paragraph (2).
(訂正報告書の提出命令)
(Order to Submit Amended Written Reports)
第五十二条の五内閣総理大臣は、第五十二条の二の十一第一項、第五十二条の三第一項若しくは第三項又は前条第一項若しくは第二項の規定により提出書類の提出を受けた場合において、当該提出書類に形式上の不備があり、又は当該提出書類に記載すべき事項のうち重要なものの記載が不十分であると認めるときは、当該提出書類の提出をした者に対し、訂正報告書の提出を命ずることができる。この場合においては、行政手続法(平成五年法律第八十八号)第十三条第一項(不利益処分をしようとする場合の手続)の規定による意見陳述のための手続の区分にかかわらず、聴聞を行わなければならない。
Article 52-5If a document for submission is submitted pursuant to the provisions of Article 52-2-11, paragraph (1), Article 52-3, paragraph (1) or (3), or paragraph (1) or (2) of the preceding Article, and the Prime Minister finds that there is a formal deficiency in the document or finds the document insufficiently states a material particular that is required to be stated, the Prime Minister may order the person submitting the document to submit an amended written report. In such a case, the Prime Minister must conduct a hearing irrespective of the category of procedures for stating opinions under the provisions of Article 13, paragraph (1) (Procedures Prerequisite for Adverse Dispositions) of the Administrative Procedure Act (Act No. 88 of 1993).
第五十二条の六内閣総理大臣は、提出書類のうちに重要な事項について虚偽の記載があり、又は記載すべき事項のうち重要なもの若しくは誤解を生じさせないために必要な重要な事実の記載が欠けていることを発見したときは、いつでも、当該提出書類の提出をした者に対し、訂正報告書の提出を命ずることができる。この場合においては、行政手続法第十三条第一項(不利益処分をしようとする場合の手続)の規定による意見陳述のための手続の区分にかかわらず、聴聞を行わなければならない。
Article 52-6If the Prime Minister discovers that a document for submission contains a false statement about a material particular, lacks a statement on a material particular that is required to be stated or on an important fact that is necessary for avoiding misunderstanding, the Prime Minister, at any time, may order the person that submitted the document to submit an amended report. In such a case, the Prime Minister must conduct a hearing irrespective of the category of procedures for stating opinions under the provisions of Article 13, paragraph (1) (Procedures Prerequisite for Adverse Dispositions) of the Administrative Procedure Act.
(銀行議決権大量保有者による報告又は資料の提出)
(Making Reports or Submitting Materials by Major Holders of Voting Rights in a Bank)
第五十二条の七内閣総理大臣は、提出書類のうちに重要な事項について虚偽の記載があり、又は記載すべき事項のうち重要なもの若しくは誤解を生じさせないために必要な重要な事実の記載が欠けている疑いがあると認めるときは、当該提出書類を提出した銀行議決権大量保有者に対し、当該提出書類に記載すべき事項又は誤解を生じさせないために必要な事実に関し参考となるべき報告又は資料の提出を求めることができる。
Article 52-7If the Prime Minister suspects that a document for submission contains a false statement about a material particular, lacks a statement on a material particular that is required to be stated or on an important fact that is necessary for avoiding misunderstanding, the Prime Minister may ask the major holder of voting rights in the bank that submitted the document to make a report or submit materials that are to serve as a reference for a particular that is required to be stated in the document or for a fact necessary for avoiding misunderstanding.
(銀行議決権大量保有者に対する立入検査)
(On-Site Inspection of Major Holder of Voting Rights in a Bank)
第五十二条の八内閣総理大臣は、提出書類のうちに重要な事項について虚偽の記載があり、又は記載すべき事項のうち重要なもの若しくは誤解を生じさせないために必要な重要な事実の記載が欠けている疑いがあると認めるときは、当該職員に当該提出書類を提出した銀行議決権大量保有者の事務所その他の施設に立ち入らせ、当該提出書類に記載すべき事項若しくは誤解を生じさせないために必要な事実に関し質問させ、又は当該銀行議決権大量保有者の帳簿書類その他の物件を検査させることができる。
Article 52-8(1)If the Prime suspects that a document contains a false statement about a material particular, lacks a statement on a material particular that is required to be stated or on an important fact that is necessary for avoiding misunderstanding, the Prime Minister may have relevant officials enter the office or other facilities of the major holder of voting rights in the bank that submitted the document, and have those officials ask questions about a particular that is required to be stated in that document or about a fact that is necessary for avoiding misunderstanding, or have them inspect books, documents, and any other articles of the major holder of voting rights in the bank.
前項の場合において、当該職員は、その身分を示す証明書を携帯し、関係人の請求があつたときは、これを提示しなければならない。
(2)In the case referred to in the preceding paragraph, the relevant officials must carry an identification card, and must present it if a person concerned requests them to do so.
第一項の規定による権限は、犯罪捜査のために認められたものと解してはならない。
(3)The authority under paragraph (1) must not be construed as being granted for criminal investigation purposes.
第二節 銀行主要株主に係る特例
Section 2 Special Provisions on Bank's Major Shareholders
第一款 通則
Subsection 1 General Rules
(銀行主要株主に係る認可等)
(Authorization to be Obtained by Bank's Major Shareholders)
第五十二条の九次に掲げる取引若しくは行為により一の銀行の主要株主基準値以上の数の議決権の保有者になろうとする者又は銀行の主要株主基準値以上の数の議決権の保有者である会社その他の法人の設立をしようとする者(国等並びに第五十二条の十七第一項に規定する持株会社になろうとする会社、同項に規定する者及び銀行を子会社としようとする銀行持株会社を除く。)は、あらかじめ、内閣総理大臣の認可を受けなければならない。
Article 52-9(1)A person that seeks to become the holder of a number of voting rights in a single bank which is equal to or greater than the major shareholder threshold, or to incorporate a company or other corporations that is the holder of a number of voting rights in a bank which is equal to or greater than the major shareholder threshold (other than the national government, etc., a company that seeks to become a holding company prescribed in Article 52-17, paragraph (1), a person prescribed in that paragraph, and a bank holding company that seeks to make a bank its subsidiary company) through one of the following transactions or actions, must obtain the authorization by the Prime Minister in advance:
当該議決権の保有者になろうとする者による銀行の議決権の取得(担保権の実行による株式の取得その他の内閣府令で定める事由によるものを除く。)
(i)acquisition of voting rights in a bank by a person that seeks to become the holder of the voting rights (excluding acquisition of shares due to enforcement of a security right or any other grounds specified by Cabinet Office Order);
当該議決権の保有者になろうとする者がその主要株主基準値以上の数の議決権を保有している会社による第四条第一項の免許の取得
(ii)acquisition of the license referred to in Article 4, paragraph (1) by a company in which the person that seeks to become the holder of the relevant voting rights holds a number of voting rights which is equal to or greater than the major shareholder threshold of that company; or
その他政令で定める取引又は行為
(iii)a transaction or action specified by Cabinet Order.
前項各号に掲げる取引又は行為以外の事由により一の銀行の主要株主基準値以上の数の議決権の保有者になつた者(国等並びに銀行持株会社及び第五十二条の十七第二項に規定する特定持株会社を除く。以下この条及び第六十五条において「特定主要株主」という。)は、当該事由の生じた日の属する当該銀行の事業年度の終了の日から一年を経過する日(以下この項及び第四項において「猶予期限日」という。)までに銀行の主要株主基準値以上の数の議決権の保有者でなくなるよう、所要の措置を講じなければならない。ただし、当該特定主要株主が、猶予期限日後も引き続き銀行の主要株主基準値以上の数の議決権の保有者であることについて内閣総理大臣の認可を受けた場合は、この限りでない。
(2)A person that has become the holder of a number of voting rights in a single bank which is equal to or greater than the major shareholder threshold due to grounds other than a transaction or action set forth in the items of the preceding paragraph (other than the national government, etc., a bank holding company, or a specified holding company prescribed in Article 52-17, paragraph (2); hereinafter referred to as a "specified major shareholder" in this Article and Article 65) must take the measures required to be taken so that they will no longer be the holder of a number of voting rights in the bank which is equal to or greater than the major shareholder threshold by the last day of the one-year period that begins on the final day of the business year of the bank that includes the date on which the grounds arose (hereinafter referred to as the "last day of the grace period" in this paragraph and paragraph (4)); provided, however, that this does not apply if the specified major shareholder obtains the authorization by the Prime Minister to continue to be the holder of a number of voting rights in a bank which is equal to or greater than the major shareholder threshold even after the last day of the grace period.
特定主要株主は、前項の規定による措置により銀行の主要株主基準値以上の数の議決権の保有者でなくなつたときは、遅滞なく、その旨を内閣総理大臣に届け出なければならない。当該措置によることなく銀行の主要株主基準値以上の数の議決権の保有者でなくなつたときも、同様とする。
(3)When a specified major shareholder ceases to be the holder of a number of voting rights in a bank which is equal to or greater than the major shareholder threshold through taking the measure under the provisions of the preceding paragraph, the shareholder must file a notification to that effect with the Prime Minster, without delay. The same applies if a specified major shareholder ceases to be the holder of a number of voting rights in a bank which is equal to or greater than the major shareholder threshold without taking that measure.
内閣総理大臣は、第一項の認可を受けずに同項各号に掲げる取引若しくは行為により銀行の主要株主基準値以上の数の議決権の保有者になつた者若しくは銀行の主要株主基準値以上の数の議決権の保有者として設立された会社その他の法人又は第二項ただし書の認可を受けることなく猶予期限日後も銀行の主要株主基準値以上の数の議決権の保有者である者に対し、当該銀行の主要株主基準値以上の数の議決権の保有者でなくなるよう、所要の措置を講ずることを命ずることができる。
(4)The Prime Minister may order a person that becomes the holder of a number of voting rights in a bank which is equal to or greater than the major shareholder threshold through a transaction or action set forth in one of the items of paragraph (1) without the authorization referred to in that paragraph, a company or other corporation that is incorporated as the holder of a number of voting rights in a bank which is equal to or greater than the major shareholder threshold without the authorization referred to in that paragraph, or a person that remains to be the holder of a number of voting rights in a bank which is equal to or greater than the major shareholder threshold even after the last day of the grace period without obtaining the authorization referred to in the proviso to paragraph (2), to take the measures required to be taken so that they will no longer be the holder of a number of voting rights in the bank which is equal to or greater than the major shareholder threshold.
第五十二条の十内閣総理大臣は、前条第一項又は第二項ただし書の認可の申請があつたときは、次に掲げる基準に適合するかどうかを審査しなければならない。
Article 52-10When an application is filed for the authorization referred to in paragraph (1) or the proviso to paragraph (2) of the preceding Article, the Prime Minister must examine whether the following criteria are met:
当該認可の申請をした者(以下この条において「申請者」という。)が会社その他の法人である場合又は当該認可を受けて会社その他の法人が設立される場合にあつては、次に掲げる基準に適合すること。
(i)the person meets the following criteria, if the person filing the application for the authorization (hereinafter referred to as the "applicant" in this Article) is a company or other corporations, or, if a company or other corporations are to be incorporated under the authorization:
取得資金に関する事項、保有の目的その他の当該申請者又は当該認可を受けて設立される会社その他の法人(以下この号において「法人申請者等」という。)による銀行の主要株主基準値以上の数の議決権の保有に関する事項に照らして、当該法人申請者等がその主要株主基準値以上の数の議決権の保有者であり、又はその主要株主基準値以上の数の議決権の保有者となる銀行の業務の健全かつ適切な運営を損なうおそれがないこと。
(a)in light of the particulars of the funds for acquisition, the purpose of holding the voting rights, or any other particulars relevant to the holding of a number voting rights in a bank which is equal to or greater than the major shareholder threshold by the applicant or by the company or other corporations that are to be incorporated by obtaining the authorization (hereinafter referred to as the "corporate applicant, etc." in this item), the sound and appropriate management of the services of the bank in which the corporate applicant, etc. is or is to become the holder of a number of voting rights which is equal to or greater than the major shareholder threshold is unlikely to be impaired;
法人申請者等及びその子会社(子会社となる会社を含む。)の財産及び収支の状況に照らして、当該法人申請者等がその主要株主基準値以上の数の議決権の保有者であり、又はその主要株主基準値以上の数の議決権の保有者となる銀行の業務の健全かつ適切な運営を損なうおそれがないこと。
(b)in light of the status of property and income and expenditures of the corporate applicant, etc. and its subsidiary companies (including a company that is to become its subsidiary company), the sound and appropriate management of the services of the bank in which the corporate applicant, etc. is or is to become the holder of a number of voting rights which is equal to or greater than the major shareholder threshold is unlikely to be impaired; and
法人申請者等が、その人的構成等に照らして、銀行の業務の公共性に関し十分な理解を有し、かつ、十分な社会的信用を有する者であること。
(c)in light of its personnel structure, the corporate applicant, etc. has a sufficient understanding of the public nature of banks' services, and has sufficient social credibility.
前号に掲げる場合以外の場合にあつては、次に掲げる基準に適合すること。
(ii)in the case other than that set forth in the preceding item, the person meets the following criteria:
取得資金に関する事項、保有の目的その他の当該申請者による銀行の主要株主基準値以上の数の議決権の保有に関する事項に照らして、当該申請者がその主要株主基準値以上の数の議決権の保有者であり、又はその主要株主基準値以上の数の議決権の保有者となる銀行の業務の健全かつ適切な運営を損なうおそれがないこと。
(a)in light of the particulars of the funds for acquisition, the purpose of holding the voting rights, or any other particulars relevant to the holding of a number of voting rights in a bank which is equal to or greater than the major shareholder threshold by the applicant, the sound and appropriate management of the services of the bank in which the applicant is or is to become the holder of a number of voting rights which is equal to or greater than the major shareholder threshold is unlikely to be impaired;
当該申請者の財産の状況(当該申請者が事業を行う者である場合においては、収支の状況を含む。)に照らして、当該申請者がその主要株主基準値以上の数の議決権の保有者であり、又はその主要株主基準値以上の数の議決権の保有者となる銀行の業務の健全かつ適切な運営を損なうおそれがないこと。
(b)in light of the status of property of the applicant (including the status of the applicant's income and expenditures, if the applicant is a person that conducts business), the sound and appropriate management of the services of the bank in which the applicant is or is to become the holder of a number of voting rights which is equal to or greater than the major shareholder threshold is unlikely to be impaired; and
当該申請者が、銀行の業務の公共性に関し十分な理解を有し、かつ、十分な社会的信用を有する者であること。
(c)the applicant has a sufficient understanding of the public nature of banks' services, and has sufficient social credibility.
第二款 監督
Subsection 2 Supervision
(銀行主要株主による報告又は資料の提出)
(Making Reports or Submitting Materials by Bank's Major Shareholders)
第五十二条の十一内閣総理大臣は、銀行の業務の健全かつ適切な運営を確保するため特に必要があると認めるときは、その必要の限度において、当該銀行の主要株主基準値以上の数の議決権の保有者である銀行主要株主に対し、当該銀行の業務又は財産の状況に関し参考となるべき報告又は資料の提出を求めることができる。
Article 52-11If the Prime Minister finds it to be particularly necessary for ensuring the sound and appropriate management of a bank's services, the Prime Minister, to the extent necessary, may ask a bank's major shareholder that holds a number of voting rights in that bank which is equal to or greater than the major shareholder threshold to make a report or submit materials that are to serve as a reference for the status of business or property of the bank.
(銀行主要株主に対する立入検査)
(On-Site Inspection of Bank's Major Shareholders)
第五十二条の十二内閣総理大臣は、銀行の業務の健全かつ適切な運営を確保するため特に必要があると認めるときは、その必要の限度において、当該職員に当該銀行の主要株主基準値以上の数の議決権の保有者である銀行主要株主の事務所その他の施設に立ち入らせ、当該銀行若しくは当該銀行主要株主の業務若しくは財産の状況に関し質問させ、又は当該銀行主要株主の帳簿書類その他の物件を検査させることができる。
Article 52-12(1)If the Prime Minister finds it to be particularly necessary for ensuring the sound and appropriate management of a bank's services, the Prime Minister, to the extent necessary, may have relevant officials enter the office or other facilities of a bank's major shareholder that holds a number of voting rights in that bank which is equal to or greater than the major shareholder threshold, have those officials ask questions about the status of business or property of the bank or the bank's major shareholder, and have them inspect the books, documents, and any other articles of the bank's major shareholder.
前項の場合において、当該職員は、その身分を示す証明書を携帯し、関係人の請求があつたときは、これを提示しなければならない。
(2)In the case referred to in the preceding paragraph, the relevant officials must carry an identification card, and must present it if a person concerned requests them to do so.
第一項の規定による権限は、犯罪捜査のために認められたものと解してはならない。
(3)The authority under paragraph (1) must not be construed as being granted for criminal investigation purposes.
(銀行主要株主に対する措置命令)
(Order for Bank's Major Shareholders to Take Measures)
第五十二条の十三内閣総理大臣は、銀行主要株主が第五十二条の十各号に掲げる基準(当該銀行主要株主に係る第五十二条の九第一項又は第二項ただし書の認可に第五十四条第一項の規定に基づく条件が付されている場合にあつては、当該条件を含む。)に適合しなくなつたときは、当該銀行主要株主に対し、措置を講ずべき期限を示して、当該基準に適合させるために必要な措置をとるべき旨の命令をすることができる。
Article 52-13If a bank's major shareholder no longer satisfies the criterion set forth in any of the items of Article 52-10 (if conditions based on the provisions of Article 54, paragraph (1) are attached to the authorization referred to in Article 52-9, paragraph (1) or the proviso to Article 52-9, paragraph (2) concerning the bank's major shareholder, including those conditions), the Prime Minister may order the bank's major shareholder to take measures necessary to satisfy that criterion, by indicating a due date for taking those measures.
(銀行主要株主に対する改善計画の提出の求め等)
(Requesting Bank's Major Shareholders to Submit an Improvement Plan)
第五十二条の十四内閣総理大臣は、銀行主要株主(銀行の総株主の議決権の百分の五十を超える議決権の保有者に限る。以下この条において同じ。)の業務又は財産の状況(銀行主要株主が会社その他の法人である場合にあつては、当該銀行主要株主の子会社その他の当該銀行主要株主と内閣府令で定める特殊の関係のある会社の財産の状況を含む。)に照らして、当該銀行の業務の健全かつ適切な運営を確保するため特に必要があると認めるときは、その必要の限度において、当該銀行主要株主に対し、措置を講ずべき事項及び期限を示して、当該銀行の経営の健全性を確保するための改善計画の提出を求め、若しくは提出された改善計画の変更を命じ、又はその必要の限度において監督上必要な措置を命ずることができる。
Article 52-14(1)If the Prime Minister finds it to be particularly necessary for ensuring the sound and appropriate management of a bank's services in light of the status of business or property of the bank's major shareholder (limited to a person that holds more than fifty percent of the total shareholder voting rights in the bank; hereinafter the same applies in this Article) (if the bank's major shareholder is a company or other corporations, this includes the status of property of the subsidiary company of the bank's major shareholder or other companies that has a unique relationship specified by Cabinet Office Order with the bank's major shareholder), the Prime Minister, to the extent necessary, may indicate the measures that is required to be taken and the due date for taking them to the bank's major shareholder and request the shareholder to submit an improvement plan for ensuring soundness in bank management or order the shareholder to change the improvement plan that has been submitted, or may order measures that are necessary for supervision to be taken, to the extent necessary.
内閣総理大臣は、銀行主要株主に対し前項の規定による命令をした場合において、当該命令に係る措置の実施の状況に照らして必要があると認めるときは、当該銀行主要株主がその総株主の議決権の百分の五十を超える議決権の保有者である銀行に対し、その業務の健全かつ適切な運営を確保するために必要な措置を命ずることができる。
(2)If the Prime Minister issues an order under the preceding paragraph to a bank's major shareholder and finds it to be necessary in light of the implementation status of the measures under that order, the Prime Minister may order the bank in which the bank's major shareholder holds more than fifty percent of the total shareholder voting rights to take the necessary measures for ensuring the sound and appropriate management of the bank's services.
(銀行主要株主に係る認可の取消し等)
(Revoking the Authorization for Bank's Major Shareholders)
第五十二条の十五内閣総理大臣は、銀行主要株主が法令若しくは法令に基づく内閣総理大臣の処分に違反したとき又は公益を害する行為をしたときは、当該銀行主要株主に対し監督上必要な措置を命じ、又は当該銀行主要株主の第五十二条の九第一項若しくは第二項ただし書の認可を取り消すことができる。この場合において、同条第一項の認可のうち設立に係るものは、当該認可を受けて設立された会社その他の法人である銀行主要株主に対して与えられているものとみなす。
Article 52-15(1)If a bank's major shareholder violates laws and regulations or a disposition by the Prime Minister based on laws and regulations, or commits an act that harms the public interest, the Prime Minister may order the bank's major shareholder to take measures that are necessary for supervision, or may revoke the authorization referred to in Article 52-9, paragraph (1) or the proviso to Article 52-9, paragraph (2) granted to the bank's major shareholder. In such a case, the authorization for incorporation referred to in paragraph (1) of that Article is deemed to have been granted to the bank's major shareholder that is a company or other corporations that have been incorporated by obtaining the authorization.
銀行主要株主は、前項の規定により第五十二条の九第一項又は第二項ただし書の認可を取り消されたときは、内閣総理大臣が指定する期間内に銀行の主要株主基準値以上の数の議決権の保有者でなくなるよう、所要の措置を講じなければならない。
(2)If the authorization referred to in Article 52-9, paragraph (1) or in the proviso to Article 52-9, paragraph (2) is revoked pursuant to the provisions of the preceding paragraph, a bank's major shareholder must take measures that is required to be taken so that the shareholder will no longer be the holder of a number of voting rights in the bank which is equal to or greater than the major shareholder threshold, within the period designated by the Prime Minister.
第三款 雑則
Subsection 3 Miscellaneous Provisions
(外国銀行主要株主に対する法律の適用関係)
(Application of the Act to Bank's Foreign Major Shareholders)
第五十二条の十六銀行の主要株主基準値以上の数の議決権の保有者であつて外国人又は外国法人であるもの(以下この条において「外国銀行主要株主」という。)に対しこの法律を適用する場合における特例及び技術的読替えその他外国銀行主要株主に対するこの法律の規定の適用に関し必要な事項は、政令で定める。
Article 52-16The special provisions and technical replacements of terms for applying this Act to the holder of a number of voting rights in a bank which is equal to or greater than the major shareholder threshold when the holder is a foreign national or foreign corporation (hereinafter referred to as a "bank's foreign major shareholder" in this Article), and other necessary matters for the application of the provisions of this Act to a bank's foreign major shareholder are specified by Cabinet Order.
第三節 銀行持株会社に係る特例
Section 3 Special Provisions on Bank Holding Companies
第一款 通則
Subsection 1 General Rules
(銀行持株会社に係る認可等)
(Authorization for Bank Holding Companies)
第五十二条の十七次に掲げる取引若しくは行為により銀行を子会社とする持株会社になろうとする会社又は銀行を子会社とする持株会社の設立をしようとする者は、あらかじめ、内閣総理大臣の認可を受けなければならない。
Article 52-17(1)A company that seeks to become a holding company that has a bank as a subsidiary company or to incorporate such a holding company through any of the following transactions or actions, must obtain the authorization by the Prime Minister in advance:
当該会社又はその子会社による銀行の議決権の取得(担保権の実行による株式の取得その他の内閣府令で定める事由によるものを除く。)
(i)acquisition of voting rights in the bank by the company or its subsidiary companies (excluding an acquisition of shares due to enforcement of a security right or other grounds specified by Cabinet Office Order);
当該会社の子会社による第四条第一項の免許の取得
(ii)acquisition of the license referred to in Article 4, paragraph (1) by the subsidiary company of that company; or
その他政令で定める取引又は行為
(iii)a transaction or action specified by Cabinet Order.
前項各号に掲げる取引又は行為以外の事由により銀行を子会社とする持株会社になつた会社(以下「特定持株会社」という。)は、当該事由の生じた日の属する事業年度経過後三月以内に、当該会社が銀行を子会社とする持株会社になつた旨その他の内閣府令で定める事項を内閣総理大臣に届け出なければならない。
(2)A company that has become a holding company that has a bank as a subsidiary company due to grounds other than a transaction or action set forth in any of the items of the preceding paragraph (hereinafter referred to as "specified holding company") must file a notification with the Prime Minister indicating that it has become a holding company that has a bank as a subsidiary company and other particulars specified by Cabinet Office Order, within three months after the end of the business year that includes the day on which the grounds arose.
特定持株会社は、前項の事由の生じた日の属する事業年度の終了の日から一年を経過する日(以下この項及び第五項において「猶予期限日」という。)までに銀行を子会社とする持株会社でなくなるよう、所要の措置を講じなければならない。ただし、当該特定持株会社が、猶予期限日後も引き続き銀行を子会社とする持株会社であることについて内閣総理大臣の認可を受けた場合は、この限りでない。
(3)A specified holding company must take the measures that are required to be taken so that it will no longer be a holding company that has a bank as its subsidiary company by the last day of the one-year period that begins on the final day of the business year that includes the day on which the grounds referred to in the preceding paragraph arose (hereinafter referred to as the "last day of the grace period" in this paragraph and paragraph (5)); provided, however, that this does not apply if the specified holding company obtains the authorization by the Prime Minister to continue to be a holding company that has a bank as its subsidiary company even after the last day of the grace period.
特定持株会社は、前項の規定による措置により銀行を子会社とする持株会社でなくなつたときは、遅滞なく、その旨を内閣総理大臣に届け出なければならない。当該措置によることなく銀行を子会社とする持株会社でなくなつたときも、同様とする。
(4)When a specified holding company ceases to be a holding company that has a bank as its subsidiary company through a measure taken under the provisions of the preceding paragraph, it must file a notification to that effect with the Prime Minster, without delay. The same applies if a specified holding company ceases to be a holding company that has a bank as its subsidiary company without taking the measure.
内閣総理大臣は、第一項の認可を受けずに同項各号に掲げる取引若しくは行為により銀行を子会社とする持株会社になつた会社若しくは銀行を子会社とする持株会社として設立された会社又は第三項ただし書の認可を受けることなく猶予期限日後も銀行を子会社とする持株会社である会社に対し、銀行を子会社とする持株会社でなくなるよう、所要の措置を講ずることを命ずることができる。
(5)The Prime Minister may order a company that has become a holding company which has a bank as its subsidiary company or a company that is incorporated as a holding company which has a bank as its subsidiary company through a transaction or action set forth in the items of paragraph (1) without obtaining the authorization referred to in that paragraph, or a company that remains to be a holding company which has a bank as its subsidiary company even after the last day of the grace period without obtaining the authorization referred to in the proviso to paragraph (3), to take the measures that is required to be taken so that it will no longer be a holding company that has a bank as its subsidiary company.
第五十二条の十八内閣総理大臣は、前条第一項又は第三項ただし書の認可の申請があつたときは、次に掲げる基準に適合するかどうかを審査しなければならない。
Article 52-18(1)When an application is filed for the authorization referred to in paragraph (1) or the proviso to paragraph (3) of the preceding Article, the Prime Minister must examine whether the following criteria are met:
当該認可の申請をした会社又は当該認可を受けて設立される会社(以下この条において「申請者等」という。)及びその子会社(子会社となる会社を含む。次号において同じ。)の収支の見込みが良好であること。
(i)the company filing the application for the authorization or the company that is to be incorporated by obtaining the authorization (hereinafter referred to as the "applicant, etc." in this Article) and its subsidiary companies (including a company that is to become its subsidiary company; the same applies in the following item) have good prospects in terms of income and expenditures;
申請者等及びその子会社が保有する資産等に照らしこれらの者の自己資本の充実の状況が適当であること。
(ii)the adequacy of equity capital of the applicant, etc. and its subsidiary companies are appropriate in light of the assets that they own; and
申請者等が、その人的構成等に照らして、その子会社であり、又はその子会社となる銀行の経営管理を的確かつ公正に遂行することができる知識及び経験を有し、かつ、十分な社会的信用を有する者であること。
(iii)in light of its personnel structure, the applicant, etc. has the knowledge and experience to carry out the business management of the subsidiary company or the bank that is to become its subsidiary company in an appropriate and fair manner, and has sufficient social credibility.
銀行持株会社(外国の法令に準拠して設立されたものを除く。)は、株式会社であつて次に掲げる機関を置くものでなければならない。
(2)A bank holding company (excluding one established under foreign laws and regulations) must be a stock company that has the following organs:
取締役会
(i)a board of directors;
監査役会、監査等委員会又は指名委員会等
(ii)a board of company auditors, an audit and supervisory committee, or a nominating committee, etc.; and
会計監査人
(iii)a financial auditor.
(銀行持株会社の取締役の兼職の制限等)
(Restriction on the Concurrent Holding of Positions by Directors of Bank Holding Companies)
第五十二条の十九銀行持株会社の常務に従事する取締役(指名委員会等設置会社にあつては、執行役)は、内閣総理大臣の認可を受けた場合を除くほか、他の会社の常務に従事してはならない。
Article 52-19(1)Unless a director (or executive officer, if a bank is a company with nominating committee, etc.) that is engaged in the day-to-day business operations of a bank holding company obtains the authorization by the Prime Minister to do so, it is prohibited for the director to engage in the day-to-day business operations of other companies.
内閣総理大臣は、前項の認可の申請があつたときは、当該申請に係る事項が当該銀行持株会社の子会社である銀行の業務の健全かつ適切な運営を妨げるおそれがあると認める場合を除き、これを認可しなければならない。
(2)When an application is filed for the authorization referred to in the preceding paragraph, the Prime Minister must grant the authorization unless the Prime Minister finds that the particulars given in the application are likely to interfere with the sound and appropriate management of services at a bank that is the subsidiary company of the bank holding company.
次に掲げる者は、銀行持株会社の取締役、執行役又は監査役となることができない。
(3)The following persons may not become the director, executive officer, or company auditor of a bank holding company.
心身の故障のため職務を適正に執行することができない者として内閣府令で定める者
(i)a person specified by Cabinet Office Order as being unable to properly perform their duties due to mental or physical disorder; or
破産手続開始の決定を受けて復権を得ない者又は外国の法令上これと同様に取り扱われている者
(ii)a person subject to an order commencing bankruptcy proceedings and has not been released from bankruptcy restrictions or a person that is treated in the same manner under foreign laws and regulations.
会社法第三百三十一条第二項ただし書(取締役の資格等)(同法第三百三十五条第一項(監査役の資格等)において準用する場合を含む。)、第三百三十二条第二項(取締役の任期)(同法第三百三十四条第一項(会計参与の任期)において準用する場合を含む。)、第三百三十六条第二項(監査役の任期)及び第四百二条第五項ただし書(執行役の選任等)の規定は、銀行持株会社については、適用しない。
(4)The provisions of the proviso to Article 331, paragraph (2) of the Companies Act (Qualifications of Directors) (including as applied mutatis mutandis pursuant to Article 335, paragraph (1) (Qualifications of Company Auditors) of that Act), Article 332, paragraph (2) (Directors' Terms of Office) of that Act (including as applied mutatis mutandis pursuant to Article 334, paragraph (1) (Accounting Advisors' Terms of Office) of that Act), Article 336, paragraph (2) (Company Auditors' Terms of Office) of that Act, and the proviso to Article 402, paragraph (5) (Election of Executive Officers) of that Act do not apply to a bank holding company.
銀行持株会社は、持分会社の無限責任社員又は業務を執行する社員となることができない。
(5)A bank holding company may not become the member with unlimited liability of a membership company or a member in charge of executing the business of a membership company.
(銀行主要株主に係る規定の準用)
(Application, Mutatis Mutandis of Provisions on a Bank's Major Shareholder)
第五十二条の二十第五十二条の十六の規定は、銀行を子会社とする持株会社であつて外国の法令に準拠して設立されたものについて準用する。
Article 52-20The provisions of Article 52-16 apply mutatis mutandis to a holding company incorporated under foreign laws and regulations which has a bank as its subsidiary company.
第二款 業務及び子会社等
Subsection 2 Services and Subsidiary Companies
(銀行持株会社の業務範囲等)
(Scope of Services of Bank Holding Companies)
第五十二条の二十一銀行持株会社(他の銀行又は銀行持株会社の子会社でないものに限る。)は、当該銀行持株会社の属する銀行持株会社グループの経営管理を行わなければならない。
Article 52-21(1)A bank holding company (limited to one that is not a subsidiary company of other banks or bank holding companies) must perform business management of a bank holding company group to which it belongs.
銀行持株会社は、当該銀行持株会社の属する銀行持株会社グループの経営管理(当該銀行持株会社及びその子会社に係るものに限る。次条第一項において同じ。)及びこれに附帯する業務のほか、他の業務を営むことができない。
(2)A bank holding company may not perform services other than the business management of the bank holding company group to which it belongs (limited to services related to the bank holding company and its subsidiary company; the same applies in paragraph (1) of the following Article) and services incidental to business management.
銀行持株会社は、その業務を営むに当たつては、その子会社である銀行の業務の健全かつ適切な運営の確保に努めなければならない。
(3)In performing its services, a bank holding company must endeavor to ensure the sound and appropriate management of services at any bank that is its subsidiary company.
第一項及び第二項の「経営管理」とは、次に掲げるものをいう。
(4)The term "business management" as used in paragraphs (1) and (2) means the following actions:
銀行持株会社グループの経営の基本方針その他これに準ずる方針として内閣府令で定めるものの策定及びその適正な実施の確保
(i)formulating the bank holding company group's basic management policy or any other policy specified by Cabinet Office Order as being an equivalent policy, and ensuring their proper implementation;
銀行持株会社グループに属する会社相互の利益が相反する場合における必要な調整
(ii)undertaking the necessary coordination when there is a conflict of interest among the companies that belong to the bank holding company group;
銀行持株会社グループの業務の執行が法令に適合することを確保するために必要なものとして内閣府令で定める体制の整備
(iii)developing systems specified by Cabinet Office Order as being necessary for ensuring that the execution of the bank holding company group's services complies with laws and regulations; and
前三号に掲げるもののほか、銀行持株会社グループの業務の健全かつ適切な運営の確保に資するものとして内閣府令で定めるもの
(iv)beyond what is set forth in the preceding three items, actions specified by Cabinet Office Order as contributing to ensuring the sound and appropriate management of the bank holding company group's services.
第五十二条の二十一の二銀行持株会社(当該銀行持株会社の属する銀行持株会社グループの経営管理を行うものに限る。次項において同じ。)は、前条第二項の規定にかかわらず、当該銀行持株会社の銀行持株会社グループに属する二以上の会社(銀行を含む場合に限る。)に共通する業務であつて、当該業務を当該銀行持株会社において行うことが当該銀行持株会社グループの業務の一体的かつ効率的な運営に資するものとして内閣府令で定めるものを、当該二以上の会社に代わつて行うことができる。
Article 52-21-2(1)Notwithstanding the provisions of paragraph (2) of the preceding Article, a bank holding company (limited to one that performs business management of the bank holding company group to which the bank holding company belongs; the same applies in the following paragraph) may perform services on behalf of two or more companies which are common to those companies that belong to the bank holding company group of the bank holding company (limited to cases in which they include a bank) and which are specified by Cabinet Office Order as services that, if performed by the bank holding company, contribute to the uniform and efficient management of the bank holding company group's services.
銀行持株会社は、前項に規定する内閣府令で定める業務を行おうとするときは、あらかじめ、内閣総理大臣の認可を受けなければならない。ただし、内閣府令で定める軽易な業務については、この限りでない。
(2)When seeking to perform the services specified by Cabinet Office Order in the preceding paragraph, a bank holding company must obtain the authorization by the Prime Minister; provided, however, that this does not apply to minor services specified by Cabinet Office Order.
(顧客の利益の保護のための体制整備)
(Development of Systems to Protect the Interests of Customers)
第五十二条の二十一の三銀行持株会社は、その子会社である銀行、当該銀行持株会社の子会社である銀行を所属銀行とする銀行代理業者又は当該銀行持株会社の親金融機関等若しくは子金融機関等が行う取引に伴い、当該銀行持株会社の子会社である銀行、当該銀行持株会社の子会社である銀行を所属銀行とする銀行代理業者又は当該銀行持株会社の子金融機関等が行う業務(銀行業、銀行代理業その他の内閣府令で定める業務に限る。)に係る顧客の利益が不当に害されることのないよう、内閣府令で定めるところにより、当該業務に関する情報を適正に管理し、かつ、当該業務の実施状況を適切に監視するための体制の整備その他必要な措置を講じなければならない。
Article 52-21-3(1)A bank holding company, pursuant to Cabinet Office Order, must appropriately manage information on the services performed by a bank that is the subsidiary company of the bank holding company, a bank agent that has a bank which is the subsidiary company of the bank holding company as its principal bank, or the bank holding company's parent financial institution, etc. or subsidiary financial institution, etc. (services limited to the banking, bank agency services, and other services specified by Cabinet Office Order); and must develop a system for appropriately supervising the implementation status of those services and take any other necessary measures, involved in the transactions conducted by a bank that is the subsidiary company of the bank holding company, a bank agent that has a bank which is the subsidiary company of the bank holding company as its principal bank, or the bank holding company's subsidiary financial institution, etc., so that the interests of the customers connected with those services are not unjustly impaired.
前項の「親金融機関等」とは、銀行持株会社の総株主の議決権の過半数を保有している者その他の当該銀行持株会社と密接な関係を有する者として政令で定める者のうち、銀行、金融商品取引業者、保険会社その他政令で定める金融業を行う者をいう。
(2)The term "parent financial institution, etc." as used in the preceding paragraph means a bank, financial instruments business operator, insurance company, or other persons engaged in financial services that are specified by Cabinet Order, which Cabinet Order prescribes as persons holding the majority of the total shareholder voting rights in the bank holding company or as having a close relationship with the bank holding company.
第一項の「子金融機関等」とは、銀行持株会社が総株主等の議決権の過半数を保有している者その他の当該銀行持株会社と密接な関係を有する者として政令で定める者のうち、銀行(当該銀行持株会社の子会社である銀行を除く。)、金融商品取引業者、保険会社その他政令で定める金融業を行う者をいう。
(3)The term "subsidiary financial institution, etc." as used in paragraph (1) means a bank (other than a bank that is the subsidiary company of the bank holding company), financial instruments business operator, insurance company, or other persons engaged in financial services that are specified by Cabinet Order, which Cabinet Order prescribes as persons holding the majority of the total shareholder or investor voting rights or as having a close relationship with the bank holding company.
(銀行持株会社に係る同一人に対する信用の供与等)
(Granting Credit and Making Contribution to a Single Person that is Related to Bank Holding Companies)
第五十二条の二十二銀行持株会社又はその子会社等(当該銀行持株会社の子会社(内閣府令で定める会社を除く。)その他の当該銀行持株会社と内閣府令で定める特殊の関係のある者をいう。以下この条において同じ。)の同一人(当該同一人と政令で定める特殊の関係のある者を含む。以下この条において同じ。)に対する信用の供与等(信用の供与又は出資(信用の供与又は出資に相当するものを含む。)として政令で定めるものをいう。以下この条において同じ。)の額は、政令で定める区分ごとに、合算して、当該銀行持株会社及びその子会社等の自己資本の純合計額に政令で定める率を乗じて得た額(以下この条において「銀行持株会社に係る信用供与等限度額」という。)を超えてはならない。ただし、信用の供与等を受けている者が合併をし、共同新設分割若しくは吸収分割をし、又は営業を譲り受けたことにより銀行持株会社又はその子会社等の同一人に対する信用の供与等の額が合算して銀行持株会社に係る信用供与等限度額を超えることとなる場合その他政令で定めるやむを得ない理由がある場合において、内閣総理大臣の承認を受けたときは、この限りでない。
Article 52-22(1)The total amount for which credit is granted and contribution is made (meaning the grant of credit and the making of a financial contribution (including anything equivalent to the grant of credit or making of a contribution) specified by Cabinet Order; hereinafter the same applies in this Article) by a bank holding company or its subsidiary company, etc. (meaning a subsidiary company of the bank holding company (excluding one specified by Cabinet Office Order) and other persons that have a unique relationship specified by Cabinet Office Order with the bank holding company; hereinafter the same applies in this Article) to that one person (including persons that have a unique relationship specified by Cabinet Order with that one person; hereinafter the same applies in this Article) must not exceed the amount arrived at by multiplying the total net amount of the equity capital of the bank holding company and its subsidiary companies by the percentage specified by Cabinet Order for each of the category specified by Cabinet Order (hereinafter the amount thus calculated is referred to as the "maximum amount of credit and contribution by a bank holding company" in this Article); provided, however, that this does not apply if the total amount for which credit is granted and contribution is made by a bank holding company and its subsidiary companies to that one person comes to exceed the maximum amount of credit and contribution by a bank holding company as a result of a merger, joint incorporation-type company split, absorption-type company split, or business acquisition by the person to which the credit is granted or the contribution is made, or due to other compelling reasons specified by Cabinet Order and the approval of the Prime Minister has been obtained.
前項の規定は、次に掲げる信用の供与等については、適用しない。
(2)The provisions of the preceding paragraph do not apply to the following grant of credit and making of contribution:
国及び地方公共団体に対する信用の供与、政府が元本の返済及び利息の支払について保証している信用の供与その他これらに準ずるものとして政令で定める信用の供与等
(i)the grant of credit to the State or a local public entity, the grant of credit for which redemption of the principal and payment of interest are guaranteed by the government, and any other extension of credit or making of a contribution specified by Cabinet Order as being equivalent to them; and
信用の供与等を行う銀行持株会社又はその子会社等と実質的に同一と認められる者に対する信用の供与等その他の政令で定める信用の供与等
(ii)the grant of credit or the making of a contribution and any other grant of credit or making of a contribution specified by Cabinet Order to a person that is found to be substantially the same as a bank holding company that grants credit or makes contribution or its subsidiary company, etc.
第一項の場合において、銀行持株会社又はその子会社等の同一人に対する信用の供与等の合計額が銀行持株会社に係る信用供与等限度額を超えることとなつたときは、その超える部分の信用の供与等の額は、当該銀行持株会社の信用の供与等の額とみなす。
(3)In the case referred to in paragraph (1), if the total amount for which credit has been granted and contribution has been made to a single person by the bank holding company and its subsidiary companies, etc. exceeds the maximum amount of credit and contribution by a bank holding company, the excess amount of the credit that has been granted or the contribution that has been made is deemed to be the amount which the bank holding company has granted the credit or made the contribution.
いかなる名義をもつてするかを問わず、又はいかなる方法をもつてするかを問わず、銀行持株会社又はその子会社等が第一項本文の規定の適用を免れる目的で信用の供与等を行つた場合であつて、名義人以外の者が実質的に当該信用の供与等を受けるときは、当該信用の供与等は、銀行持株会社又はその子会社等の実質的に当該信用の供与等を受ける者に対する信用の供与等として、同項本文の規定を適用する。
(4)If a bank holding company or its subsidiary company, etc. has granted credit or made a contribution, irrespective of the name used or the means used, for the purpose of evading the application of the provisions of the main clause of paragraph (1), and a person other than the named person is the one to which the credit is substantially granted or the contribution is substantially made, that grant of credit or making of a contribution is deemed to be the grant of credit or making of a contribution to the person to which the credit is substantially granted or the contribution is substantially made by the bank holding company or its subsidiary company, etc., and the aforementioned provisions apply.
前各項に定めるもののほか、信用の供与等の額、第一項に規定する自己資本の純合計額及び銀行持株会社に係る信用供与等限度額の計算方法その他これらの規定の適用に関し必要な事項は、内閣府令で定める。
(5)Beyond what is provided for in the preceding paragraphs, Cabinet Order prescribes the amount of credit and contribution, the method of calculating the total net amount of equity capital specified in paragraph (1) and the maximum amount of credit granted and contribution made by the bank holding company, and other particulars necessary for applying those provisions.
(銀行持株会社の子会社の範囲等)
(Scope of Bank Holding Company's Subsidiary Companies)
第五十二条の二十三銀行持株会社は、銀行及び次に掲げる会社(以下この条及び次条第二項において「子会社対象会社」という。)以外の会社を子会社としてはならない。
Article 52-23(1)A bank holding company must not have a company other than a bank or a company that falls under one of the following items (hereinafter referred to as a "company eligible to be a subsidiary company" in this Article and paragraph (2) of the following Article) as its subsidiary company:
長期信用銀行
(i)a long-term credit bank;
一の二資金移動専門会社
(i)-2a company specialized in fund transfers;
証券専門会社
(ii)a company specialized in securities;
証券仲介専門会社
(iii)a company specialized in securities intermediation;
三の二第十六条の二第一項第四号の二に掲げる会社
(iii)-2a company set forth in Article 16-2, paragraph (1), item (iv)-2;
保険会社
(iv)an insurance company;
四の二少額短期保険業者
(iv)-2a small amount and short term insurer;
信託専門会社
(v)a company specialized in trust business;
銀行業を営む外国の会社
(vi)a foreign company engaged in banking;
有価証券関連業を営む外国の会社(前号に掲げる会社に該当するものを除く。)
(vii)a foreign company engaged in securities-related services (excluding one that falls under the company set forth in the preceding item);
保険業を営む外国の会社(第六号に掲げる会社に該当するものを除く。)
(viii)a foreign company engaged in insurance business (excluding one that falls under the company set forth in item (vi));
信託業を営む外国の会社(第六号に掲げる会社に該当するものを除く。)
(ix)a foreign company engaged in trust business (excluding one that falls under the company set forth in item (vi));
次に掲げる業務を専ら営む会社(イに掲げる業務を営む会社にあつては、当該銀行持株会社、その子会社(銀行並びに第一号、第一号の二及び第六号に掲げる会社に限る。)その他これらに類する者として内閣府令で定めるものの営む業務のためにその業務を営んでいるものに限る。)
(x)a company exclusively engaged in the following services (if the company performs the service set forth in sub-item (a), limited to one that performs the service for the services performed by the bank holding company, its subsidiary companies (limited to banks and companies set forth in items (i), (i)-2, and (vi)) and other persons specified by Cabinet Office Order as being similar to them):
銀行又は前各号に掲げる会社の営む業務に従属する業務として内閣府令で定めるもの
(a)services specified by Cabinet Office Order as being dependent on the services performed by a bank or a company set forth in any of the preceding items; or
金融関連業務(当該銀行持株会社が証券専門会社、証券仲介専門会社及び有価証券関連業を営む外国の会社のいずれをも子会社としていない場合にあつては第十六条の二第二項第三号に規定する証券専門関連業務を、当該銀行持株会社が保険会社、少額短期保険業者及び保険業を営む外国の会社のいずれをも子会社としていない場合にあつては同項第四号に規定する保険専門関連業務を、当該銀行持株会社が信託兼営銀行、信託専門会社及び信託業を営む外国の会社のいずれをも子会社としていない場合にあつては同項第五号に規定する信託専門関連業務を、それぞれ除く。)
(b)finance-related services (excluding specialized securities-related services prescribed in Article 16-2, paragraph (2), item (iii) if the bank holding company does not have a company specialized in securities, company specialized in securities intermediation, or foreign company engaged in securities services as its subsidiary company; excluding specialized insurance-related services prescribed in item (iv) of that paragraph if the bank holding company does not have an insurance company, small amount and short term insurer, or foreign company engaged in insurance business as its subsidiary company; and excluding specialized trust services prescribed in item (v) of that paragraph if the bank holding company does not have a trust bank, company specialized in trust business, or foreign company engaged in trust business as its subsidiary company).
十一新たな事業分野を開拓する会社として内閣府令で定める会社(当該銀行持株会社又はその子会社のうち前号に掲げる会社で内閣府令で定めるもの(次号及び第十三号並びに第五十二条の二十四第七項及び第八項において「特定子会社」という。)以外の子会社が、合算してその基準議決権数(同条第一項に規定する基準議決権数をいう。以下この条及び次条において同じ。)を超える議決権を保有していないものに限る。)
(xi)a company specified by Cabinet Office Order as one that develops a new field of business (limited to the case in which the number of voting rights in the company that are held by the bank holding company or its subsidiary companies that are not subsidiary companies set forth in the preceding item that are specified by Cabinet Office Order (hereinafter referred to as a "specified subsidiary company" in the following item, item (xiii), and Article 52-24, paragraphs (7) and (8)) does not exceed the maximum threshold for voting rights (meaning the maximum threshold for voting rights prescribed in paragraph (1) of that Article; hereinafter the same applies in this Article and the following Article) when the voting rights are combined;
十二経営の向上に相当程度寄与すると認められる新たな事業活動を行う会社として内閣府令で定める会社(その事業に係る計画又は当該計画に基づく措置について内閣府令で定める要件に該当しない会社(第五十二条の二十四第一項及び第七項において「特別事業再生会社」という。)にあつては、当該銀行持株会社又はその特定子会社以外の子会社が、合算してその基準議決権数を超える議決権を保有していないものに限る。)
(xii)a company specified by Cabinet Office Order as one that is engaged in new business that is found to contribute considerably to improving management (for a company that fails to meet the requirements specified by Cabinet Office Order in relation to the business plan or any measures based on the plan (referred to as "company under special business revitalization process" in Article 52-24, paragraphs (1) and (7)), limited to when the number of voting rights in that company that are held by the bank holding company or its subsidiary companies that are not specified subsidiary companies does not exceed the maximum threshold for voting rights when the voting rights are combined);
十三地域の活性化に資すると認められる事業活動を行う会社として内閣府令で定める会社(当該銀行持株会社又はその特定子会社以外の子会社が、合算してその基準議決権数を超える議決権を保有していないものに限る。)
(xiii)a company specified by Cabinet Office Order as one that is engaged in business activities that are found to contribute to regional development (limited to when the number of voting rights in that company that are held by the bank holding company or its subsidiary companies that are not specified subsidiary companies does not exceed the maximum threshold for voting rights when the voting rights are combined);
十四前各号に掲げる会社のほか、情報通信技術その他の技術を活用した当該銀行持株会社の子会社である銀行の営む銀行業の高度化若しくは当該銀行の利用者の利便の向上に資する業務若しくは地域の活性化、産業の生産性の向上その他の持続可能な社会の構築に資する業務又はこれらに資すると見込まれる業務を営む会社
(xiv)in addition to the company set forth in the preceding items, a company engaged in services that contribute to increased sophistication of the banking using information and telecommunications technology or other technologies conducted by the bank that is a subsidiary company of the bank holding company or to the enhanced convenience for bank users, or services that contribute to or are expected to contribute to regional development, improvement of industrial productivity, and other services for building a sustainable society;
十五子会社対象会社のみを子会社とする持株会社で内閣府令で定めるもの(当該持株会社になることを予定している会社を含む。)
(xv)a holding company that has only a company eligible to be a subsidiary company as its subsidiary company, which is specified by Cabinet Office Order (including a company that is planned to become that holding company); and
十六子会社対象会社のみを子会社とする外国の会社であつて、持株会社と同種のもの又は持株会社に類似するもの(当該会社になることを予定している会社を含み、前号に掲げる会社に該当するものを除く。)
(xvi)a foreign company that has only a company eligible to be a subsidiary company as its subsidiary company, which is of the same type as a holding company or is similar to a holding company (including a company that is planned to become that company, and excluding a company that falls under the company set forth in the preceding item).
前項の規定は、子会社対象会社以外の国内の会社が、銀行持株会社又はその子会社の担保権の実行による株式等の取得、銀行持株会社又はその子会社による同項第十一号から第十三号までに掲げる会社の株式等の取得その他の内閣府令で定める事由により当該銀行持株会社の子会社となる場合には、適用しない。ただし、当該銀行持株会社は、その子会社となつた会社が当該事由(当該銀行持株会社又はその子会社による同項第十一号から第十三号までに掲げる会社の株式等の取得その他内閣府令で定める事由を除く。)の生じた日から一年を経過する日までに子会社でなくなるよう、所要の措置を講じなければならない。
(2)The provisions of the preceding paragraph do not apply if a domestic company other than a company eligible to be a subsidiary company becomes the subsidiary company of a bank holding company through acquisition of shares or equity due to enforcement of a security right by a bank holding company or its subsidiary company, through acquisition of shares or equity in a company set forth in items (xi) through (xiii) of that paragraph by a bank holding company or its subsidiary company, or due to any other grounds specified by Cabinet Office Order; provided, however, that the bank holding company must take measures that are required to be taken so that the company that has become its subsidiary company will no longer be its subsidiary company by the last day of the one-year period that begins on the date on which the grounds (excluding a bank holding company's or its subsidiary company's acquisition of shares or equity in a company set forth in items (xi) through (xiii) of that paragraph or any other cause specified by Cabinet Office Order) arose.
銀行持株会社は、銀行又は第一項第一号から第十号まで若しくは第十四号から第十六号までに掲げる会社(同項第十号イに掲げる業務又は銀行業に付随し、若しくは関連する業務として内閣府令で定めるものを専ら営む会社を除く。以下この条、第五十二条の二十四第四項第四号、第五十三条第三項第四号及び第六十五条第十七号において「子会社対象銀行等」という。)を子会社としようとするとき(第一項第十四号に掲げる会社(内閣府令で定める会社を除く。)にあつては、当該銀行持株会社又はその子会社が、合算してその基準議決権数を超える議決権を取得し、又は保有しようとするとき)は、第五十二条の三十五第一項から第三項までの規定により合併、会社分割又は事業の譲受けの認可を受ける場合を除き、あらかじめ、内閣総理大臣の認可を受けなければならない。
(3)Unless a bank holding company obtains authorization for a merger, company split, or business acquisition pursuant to the provisions of Article 52-35, paragraphs (1) through (3), it must obtain the authorization by the Prime Minister in advance, when the bank holding company seeks to make a bank or a company set forth in paragraph (1), items (i) through (x) or items (xiv) through (xvi) (excluding a company that exclusively engages in the services set forth in item (x), sub-item (a) of that paragraph or the services specified by Cabinet Office Order as incidental or related to banking; hereinafter referred to as a "bank, etc. eligible to be a subsidiary company" in this Article, Article 52-24, paragraph (4), item (iv), Article 53, paragraph (3), item (iv), and Article 65, item (xvii)) its subsidiary company (for a company set forth in paragraph (1), item (xiv) (excluding a company specified by Cabinet Office Order), when the bank holding company or its subsidiary company seeks to acquire or hold voting rights in that company that cause the number of voting rights to exceed the maximum threshold for voting rights when the voting rights are combined).
前項の規定は、子会社対象銀行等が、銀行持株会社又はその子会社の担保権の実行による株式等の取得その他の内閣府令で定める事由により当該銀行持株会社の子会社(第一項第十四号に掲げる会社(前項に規定する内閣府令で定める会社を除く。)にあつては、当該銀行持株会社又はその子会社が、合算してその基準議決権数を超える議決権を保有する会社。以下この項において同じ。)となる場合には、適用しない。ただし、当該銀行持株会社は、その子会社となつた子会社対象銀行等を引き続き子会社とすることについて内閣総理大臣の認可を受けた場合を除き、当該子会社対象銀行等が当該事由の生じた日から一年を経過する日までに子会社でなくなるよう、所要の措置を講じなければならない。
(4)The provisions of the preceding paragraph do not apply if a bank, etc. eligible to be a subsidiary company becomes the subsidiary company of a bank holding company (for a company set forth in paragraph (1), item (xiv) (excluding a company specified by Cabinet Office Order prescribed in the preceding paragraph), the company in which the bank holding company or its subsidiary companies hold a number of voting rights that exceeds the maximum threshold for voting rights when the voting rights combined; hereinafter the same applies in this paragraph) through the acquisition of shares or equity due to the enforcement of a security right by the bank holding company or its subsidiary company or due to other grounds specified by Cabinet Office Order; provided, however, that unless the bank holding company obtains the authorization by the Prime Minister to continue to have the bank, etc. eligible to be a subsidiary company that has become its subsidiary company as its subsidiary company, the bank holding company must take the measures that is required to be taken so that the bank, etc. eligible to be a subsidiary company will no longer be its subsidiary company by the last day of the one-year period that begins on the date on which the ground arose.
銀行持株会社は、次の各号のいずれかに該当する場合には、第一項の規定にかかわらず、子会社対象会社以外の外国の会社が子会社となつた日から十年を経過する日までの間、当該子会社対象会社以外の外国の会社を子会社とすることができる。
(5)Notwithstanding the provisions of paragraph (1), a bank holding company may have a foreign company not eligible to be a subsidiary company as its subsidiary company until the last day of the ten-year period that begins on the date on which the foreign company not eligible to be a subsidiary company became its subsidiary company if the bank holding company falls under any of the following items:
当該銀行持株会社が、現に子会社対象会社以外の外国の会社を子会社としている子会社対象外国会社(第一項第六号から第十号まで及び第十四号に掲げる会社(同項第十号及び第十四号に掲げる会社にあつては、外国の会社に限る。)、持株会社(子会社対象会社を子会社としている会社に限る。第五十二条の二十四第一項において「特例持株会社」という。)又は外国の会社であつて持株会社と同種のもの若しくは持株会社に類似するもの(子会社対象会社を子会社としているものに限り、持株会社を除く。)をいう。以下この条において同じ。)又は外国特定金融関連業務会社(金融関連業務のうち内閣府令で定めるものを主として営む外国の会社をいい、第一項第十号に掲げる会社を除く。以下この条において同じ。)を子会社とすることにより子会社対象会社以外の外国の会社を子会社とする場合
(i)if the bank holding company has a foreign company not eligible to be a subsidiary company as its subsidiary company due to having as its subsidiary company a foreign company eligible to be a subsidiary company (meaning one of the companies set forth in paragraph (1), items (vi) through (x) and item (xiv) (for the company set forth in items (x) and (xiv), limited to a foreign company), a holding company (limited to a company that has a company eligible to be a subsidiary company as its subsidiary company; referred to as a "special holding company" in Article 52-24, paragraph (1)), or a foreign company that is of the same type as a holding company or that is similar to a holding company (limited to a foreign company that has a company eligible to be a subsidiary company as its subsidiary company, and excluding a holding company); the same applies in this Article) that actually has a foreign company not eligible to be a subsidiary company as its subsidiary company, or a foreign specified finance-related services company (meaning a foreign company mainly engaged in finance-related services specified by Cabinet Office Order; and excluding a company set forth in paragraph (1), item (xi); hereinafter the same apples in this Article); and
当該子会社対象会社以外の外国の会社が外国特定金融関連業務会社である場合(前号に掲げる場合を除く。)
(ii)if the foreign company not eligible to be a subsidiary company is a foreign specified finance-related services company (excluding the case set forth in the preceding item).
第三項の規定は、銀行持株会社が、外国特定金融関連業務会社(当該銀行持株会社が子会社対象銀行等又は他の外国特定金融関連業務会社を子会社としようとする場合における当該子会社対象銀行等又は他の外国特定金融関連業務会社が現に子会社としているものを除く。)を子会社としようとするときについて準用する。
(6)The provisions of paragraph (3) apply mutatis mutandis if a bank holding company seeks to make a foreign specified finance-related services company (excluding one that a bank, etc. eligible to be a subsidiary company or another foreign specified financial service company actually has as its subsidiary company if the bank holding company seeks to make the bank, etc. eligible to be a subsidiary company or the other foreign specified finance-related services company its subsidiary company) its subsidiary company.
銀行持株会社は、第五項各号のいずれかに該当する場合において、内閣総理大臣の承認を受けたときは、第一項の規定にかかわらず、第五項の期間を超えて当該承認に係る子会社対象会社以外の外国の会社を引き続き子会社とすることができる。
(7)Notwithstanding the provisions of paragraph (1), in the case falling under any of the items of paragraph (5), if a bank holding company obtains the approval of the Prime Minister, the bank holding company may continue to have a foreign company not eligible to be subsidiary company subject to the approval as its subsidiary company beyond the period referred to in paragraph (5).
内閣総理大臣は、次の各号のいずれかに該当する場合には、前項の承認をするものとする。
(8)If the case falls under any of the following items, the Prime Minister is to give the approval referred to in the preceding paragraph:
銀行持株会社が現に子会社としている子会社対象外国会社(第一項第六号から第十号まで及び第十四号に掲げる会社に限る。次号において同じ。)又は外国特定金融関連業務会社の競争力(外国特定金融関連業務会社にあつては、当該外国特定金融関連業務会社の営む金融関連業務における競争力に限る。同号において同じ。)の確保その他の事情に照らして、当該銀行持株会社が子会社対象会社以外の外国の会社(外国特定金融関連業務会社を除く。)を引き続き子会社とすることが必要であると認められる場合
(i)in light of securing the competitiveness of a foreign company eligible to be a subsidiary company (limited to a company set forth in paragraph (1), items (vi) through (x) and item (xiv); the same applies in the following item) or a foreign specified finance-related services company that a bank holding company actually has as its subsidiary company (for a foreign specified finance-related services company, limited to competitiveness in the finance-related services performed by the foreign specified finance-related services company; the same applies in item (xiv)) or other circumstances, it is found to be necessary for the bank holding company to continue to have a foreign company not eligible to be a subsidiary company (excluding a foreign specified financial service company) as its subsidiary company; or
銀行持株会社が現に子会社としている子会社対象外国会社又は外国特定金融関連業務会社の競争力の確保その他の事情に照らして、外国特定金融関連業務会社が引き続き金融関連業務以外の業務を営むことが必要であると認められる場合
(ii)in light of securing competitiveness of a foreign company eligible to be a subsidiary company or a foreign specified finance-related services company that a bank holding company actually has as its subsidiary company or other circumstances, it is found to be necessary for a foreign company not eligible to be a subsidiary company to continue to perform services other than finance-related services.
内閣総理大臣は、銀行持株会社につき次の各号のいずれかに該当する場合には、当該銀行持株会社の申請により、一年を限り、第五項の期間又はこの項の規定により延長された期間を延長することができる。
(9)If a bank holding company falls under any of the following items, the Prime Minister may extend the period referred to in paragraph (5) or the period extended pursuant to the provisions of this paragraph, for up to one year, upon application by the bank holding company:
当該銀行持株会社が、現に子会社としている子会社対象会社以外の外国の会社又は当該会社を現に子会社としている子会社対象外国会社の本店又は主たる事務所の所在する国の金融市場又は資本市場の状況その他の事情に照らして、第五項の期間又はこの項の規定により延長された期間の末日までに当該子会社対象会社以外の外国の会社が子会社でなくなるよう、所要の措置を講ずることができないことについてやむを得ない事情があると認められる場合
(i)it is found that there is a compelling reason for the bank holding company being unable to take measures that is required to be taken so that the foreign company not eligible to be a subsidiary company which the bank holding company has as its subsidiary company will no longer be its subsidiary company by the last day of the period referred to in paragraph (5) or the period extended pursuant to the provisions of this paragraph, in light of situation of the financial market or capital market or other circumstances in the country where the head office or principal office of the foreign company not eligible to be a subsidiary company the bank holding company actually has as its subsidiary company is located or where the head office or principal office of the company eligible to be a subsidiary company that actually has that foreign company as its subsidiary company is located; and
当該銀行持株会社が子会社とした子会社対象外国会社又は外国特定金融関連業務会社の事業の遂行のため、当該銀行持株会社が現に子会社としている子会社対象会社以外の外国の会社を引き続き子会社とすることについてやむを得ない事情があると認められる場合
(ii)it is found that there is a compelling reason for the bank holding company to continue to have as its subsidiary company the foreign company not eligible to be a subsidiary company which the bank holding company actually has as its subsidiary company, in order to execute the business of a foreign company eligible to be a subsidiary company or foreign specified finance-related services company which the bank holding company has made its subsidiary company.
10銀行持株会社は、現に子会社としている子会社対象外国会社又は外国特定金融関連業務会社が、子会社対象会社以外の外国の会社(外国特定金融関連業務会社を除く。以下この項において同じ。)をその子会社としようとする場合において、内閣総理大臣の認可を受けたときは、第一項の規定にかかわらず、当該認可に係る子会社対象会社以外の外国の会社を子会社とすることができる。
(10)Notwithstanding the provisions of paragraph (1), if a foreign company eligible to be a subsidiary company or a foreign specified finance-related services company which a bank holding company actually has as its subsidiary company seeks to make a foreign company not eligible to be a subsidiary company (excluding a foreign specified finance-related services company; hereinafter the same applies in this paragraph) its subsidiary company, and the bank holding company obtains the authorization by the Prime Minister, the bank holding company may make the foreign company not eligible to be a subsidiary company subject to the authorization its subsidiary company.
11第一項、第五項、第六項及び前項の規定は、子会社対象会社以外の外国の会社が、銀行持株会社又はその子会社の担保権の実行による株式等の取得、銀行持株会社又はその子会社による第一項第十一号から第十三号までに掲げる会社の株式等の取得その他内閣府令で定める事由により当該銀行持株会社の子会社となる場合には、適用しない。ただし、当該銀行持株会社は、その子会社となつた子会社対象会社以外の外国の会社(当該銀行持株会社の子会社となつた子会社対象銀行等又は他の外国特定金融関連業務会社が現に子会社としている外国特定金融関連業務会社を除く。)を引き続き子会社とすることについて内閣総理大臣の認可を受けた場合を除き、当該子会社対象会社以外の外国の会社が当該事由(当該銀行持株会社又はその子会社による同項第十一号から第十三号までに掲げる会社の株式等の取得その他内閣府令で定める事由を除く。)の生じた日から一年を経過する日までに子会社でなくなるよう、所要の措置を講じなければならない。
(11)The provisions of paragraph (1), paragraph (5), paragraph (6) and the preceding paragraph do not apply if a foreign company not eligible to be a subsidiary company becomes the subsidiary company of a bank holding company through the acquisition of shares or equity due to the enforcement of a security right, by a bank holding company or its subsidiary company, through the acquisition of shares or equity in a company set forth in paragraph (1), items (xi) through (xiii) by a bank holding company or its subsidiary company, or due to any other grounds specified by Cabinet Office Order; provided, however, that unless the bank holding company obtains the authorization by the Prime Minister to continue to have as its subsidiary company the foreign company not eligible to be a subsidiary company that has become its subsidiary company (excluding the bank, etc. eligible to be a subsidiary company that has become the bank holding company's subsidiary company or a foreign specified finance-related services company which another foreign specified financial service company actually has as its subsidiary company), the bank holding company must take the measures that is required to be taken so that the foreign company not eligible to be a subsidiary company will be no longer its subsidiary company by the last day of the one-year period that begins on the date on which the grounds (excluding the acquisition of shares or equity in a company set forth in items (xi) through (xiii) of that paragraph by a bank holding company or its subsidiary company or any other grounds specified by Cabinet Office Order) arose.
12第三項の規定は、銀行持株会社が、現に子会社としている第一項各号に掲げる会社を当該各号のうち他の号に掲げる会社(子会社対象銀行等に限る。)に該当する子会社としようとするとき及び現に子会社としている同項第十四号に掲げる会社(その業務により当該銀行持株会社又は当該同号に掲げる会社の業務に係る顧客の利益が不当に害される著しいおそれがあると認められないことその他の要件を満たす会社として内閣府令で定める会社に限る。)を同号に掲げる会社(当該内閣府令で定める会社を除く。)に該当する子会社としようとするときについて準用する。
(12)The provisions of paragraph (3) apply mutatis mutandis if the bank holding company seeks to make a company set forth in one of the items of paragraph (1) which it actually has as its subsidiary company into a subsidiary company that falls under the company set forth in any other item of that paragraph (limited to a bank, etc. eligible to be a subsidiary company), or if the bank holding company seeks to make a company set forth in item (xiv) of that paragraph (limited to a company specified by Cabinet Office Order that there is no serious risk that the interests of the customers related to the services of the bank holding company or the company set forth in item (xiv) of that paragraph would be unjustly impaired by its services or that it satisfies other requirements) which it actually has as its subsidiary company into a subsidiary company that falls under the company set forth in that item (excluding the company specified by Cabinet Office Order).
13銀行持株会社は、次の各号のいずれかに該当する場合において、内閣総理大臣の承認を受けたときは、第一項の規定にかかわらず、当該承認に係る子会社対象会社以外の外国の会社を引き続き子会社とすることができる。
(13)Notwithstanding the provisions of paragraph (1), in the case falling under any of the following items, if a bank holding company obtains the approval of the Prime Minister, the bank holding company may continue to have a foreign company not eligible to be a subsidiary company subject to the approval as its subsidiary company:
現に子会社としている第一項第十号に掲げる会社を外国特定金融関連業務会社としようとする場合
(i)the bank holding company seeks to make the company set forth in paragraph (1), item (x) which it actually has as its subsidiary company a foreign specified finance-related services company; and
現に子会社としている外国の会社(子会社対象会社に限る。)を子会社対象会社以外の外国の会社としようとする場合(第五項第二号に掲げる場合、第十項及び第十一項本文に規定する場合並びに前号に掲げる場合を除く。)
(ii)the bank holding company seeks to make a foreign company which it actually has as its subsidiary company (limited to a company eligible to be a subsidiary company) a foreign company not eligible to be a subsidiary company (excluding the case prescribed in paragraph (5), item (ii), the cases prescribed in paragraph (10) and the main clause of paragraph (11), and the case set forth in the preceding item).
14第八項の規定は、前項の承認について準用する。
(14)The provisions of paragraph (8) apply mutatis mutandis to the approval referred to in the preceding paragraph.
15銀行持株会社は、当該銀行持株会社又はその子会社が合算してその基準議決権数を超える議決権を保有している子会社対象会社(当該銀行持株会社の子会社及び第一項第十四号に掲げる会社(内閣府令で定める会社を除く。以下この項において同じ。)を除く。)について、同号に掲げる会社となつたことその他内閣府令で定める事実を知つたときは、引き続きその基準議決権数を超える議決権を保有することについて内閣総理大臣の認可を受けた場合を除き、これを知つた日から一年を経過する日までに当該同号に掲げる会社が当該銀行持株会社又はその子会社が合算してその基準議決権数を超える議決権を保有する会社でなくなるよう、所要の措置を講じなければならない。
(15)If a bank holding company comes to know that a company eligible to be a subsidiary company (other than a subsidiary company of that bank holding company or a company set forth in paragraph (1), item (xiv) (excluding a company specified by Cabinet Office Order; hereinafter the same applies in this paragraph)) in which the bank holding company or its subsidiary companies hold a number of voting rights that exceeds the maximum threshold for voting rights when the voting rights are combined has become a company set forth in that item, or comes to know any other fact specified by Cabinet Office Order, the bank holding company must take the measures that needs to be taken so that the company set forth in that item will no longer be a company in which the bank holding company and its subsidiary companies hold a number of voting rights that exceeds the maximum threshold for voting rights when the voting rights are combined by the last day of the one-year period that begins on the date on which the bank holding company has come to know of that fact, unless it obtains the authorization by the Prime Minister to continue to hold voting rights exceeding the maximum threshold for voting rights.
(銀行持株会社の子会社の範囲等の特例)
(Special Provisions on the Scope of Subsidiary Companies of a Bank Holding Company)
第五十二条の二十三の二銀行持株会社は、前条第一項の規定にかかわらず、次に掲げる会社を子会社(当該銀行持株会社の子会社である銀行の子会社を除く。以下「持株特定子会社」という。)とすることができる。
Article 52-23-2(1)Notwithstanding the provisions of paragraph (1) of the preceding Article, a bank holding company may have the following companies as its subsidiary company (excluding the subsidiary company of a bank which is the subsidiary company of the bank holding company; hereinafter referred to as a "specified bank holding company subsidiary"):
特例子会社対象業務を専ら営む会社(次に掲げる会社を除く。)
(i)a company exclusively engaged in the services of a special subsidiary company (excluding the following companies):
前条第一項第十号イ又はロに掲げる業務を専ら営む会社(同号イに掲げる業務(次項において「従属業務」という。)を営むものに限る。)であつて、当該銀行持株会社、その子会社(銀行並びに同条第一項第一号及び第六号に掲げる会社に限る。)その他これらに類する者として内閣府令で定めるものの営む業務のためにその業務を営んでいるもの
(a)a company exclusively engaged in the services set forth in paragraph (1), item (x), sub-item (a) or (b) of the preceding Article (limited to a company that performs the services set forth in sub-item (a) of that item (referred to as "dependent services" in the following paragraph)), which performs services for the business conducted by the bank holding company, its subsidiary company (limited to one that is a bank or a company set forth in paragraph (1), item (i) or (vi) of that Article), or any other person specified by Cabinet Office Order as similar to such a company; and
前条第一項第十一号から第十四号までに掲げる会社
(b)a company set forth in paragraph (1), items (xi) through (xiv) of the preceding Article;
前条第一項各号(第十一号から第十四号までを除く。)に掲げる会社が営むことができる業務及び特例子会社対象業務を専ら営む会社(前号ロに掲げる会社を除く。)
(ii)a company exclusively engaged in services in which a company set forth in the items of paragraph (1) of the preceding Article (excluding items (xi) through (xiv)) may engage in, or in the services of a special subsidiary company (excluding a company set forth in sub-item (b) of the preceding item).
前項各号の「特例子会社対象業務」とは、子会社対象会社(前条第一項第十一号から第十四号までに掲げる会社を除く。)が営むことができる業務(従属業務を除く。以下この項において「特定業務」という。)以外の業務であつて、第十条第二項第十四号に規定する金融等デリバティブ取引に係る同号に規定する商品の売買その他の特定業務に準ずるものとして内閣府令で定めるものをいう。
(2)The term "services of a special subsidiary company" as used in the items of the preceding paragraph means services which are other than those which a company eligible to be a subsidiary company (excluding a company set forth in paragraph (1), items (xi) through (xiv) of the preceding Article) may engage in (excluding dependent services; hereinafter referred to as "specified services" in this paragraph), and which are specified by Cabinet Office Order as equivalent to services concerning purchase and sale of commodities prescribed in Article 10, paragraph (2), item (xiv) related to financial derivative transactions prescribed in that item and other specified services.
銀行持株会社は、第一項の規定により同項各号に掲げる会社を持株特定子会社としようとするときは、あらかじめ、当該持株特定子会社が営もうとする特例子会社対象業務(前項に規定する特例子会社対象業務をいう。以下この条及び第六十五条第十七号において同じ。)を定めて、内閣総理大臣の認可を受けなければならない。
(3)A bank holding company must determine the services of the special subsidiary company (meaning the services of a special subsidiary company prescribed in the preceding paragraph; hereinafter the same applies in this Article and Article 65, item (xvii)) which the specified bank holding company subsidiary seeks to engage in and obtain the authorization by the Prime Minister in advance, when seeking to make a company set forth in the items of paragraph (1) its specified bank holding company subsidiary pursuant to the provisions of that paragraph.
前項の規定は、第一項各号に掲げる会社が、前条第四項に規定する内閣府令で定める事由により銀行持株会社の持株特定子会社となる場合には、適用しない。ただし、当該銀行持株会社は、その持株特定子会社となつた会社を引き続き持株特定子会社とすることについて内閣総理大臣の認可を受けた場合を除き、当該会社が当該事由の生じた日から一年を経過する日までに持株特定子会社でなくなるよう、所要の措置を講じなければならない。
(4)The provisions of the preceding paragraph do not apply if a company set forth in the items of paragraph (1) becomes a specified bank holding company subsidiary of a bank holding company due to the grounds specified by Cabinet Office Order that are prescribed in paragraph (4) of the preceding Article; provided, however, that unless the bank holding company obtains the authorization by the Prime Minister to continue to have the company which has become its specified bank holding company subsidiary as its specified bank holding company subsidiary, the bank holding company must take the measures required to be taken so that the company will no longer be its specified bank holding company subsidiary by the last day of the one-year period that begins on the date on which the grounds arose.
第三項の規定は、銀行持株会社が、その持株特定子会社としている第一項各号に掲げる会社を第三項(この項において準用する場合を含む。)又は前項ただし書の認可に係る特例子会社対象業務以外の特例子会社対象業務を営む持株特定子会社としようとするときについて準用する。
(5)The provisions of paragraph (3) apply mutatis mutandis if a bank holding company seeks to make a company set forth in the items of paragraph (1) which it has as a specified bank holding company subsidiary a specified bank holding company subsidiary that engages in the services of a special subsidiary company other than the services of a special subsidiary company to which the authorization referred to in paragraph (3) (including as applied mutatis mutandis pursuant to this paragraph) or the proviso to the preceding paragraph concerns.
認定銀行持株会社(次項の認定を受けた銀行持株会社をいう。第八項及び第九項並びに第五十二条の三十四の二第一項において同じ。)は、前条第一項、第三項及び第四項の規定にかかわらず、特例銀行業高度化等業務(同条第一項第十四号に掲げる会社が営むことができる業務のうち内閣府令で定めるものをいう。以下この条、第五十二条の三十四の二第二項及び第六十五条第十七号において同じ。)を専ら営む会社を持株特定子会社とすることができる。
(6)Notwithstanding the provisions of paragraphs (1), (3) and (4) of the preceding Article, a certified bank holding company (meaning a bank holding company that has been granted the certification referred to in the following paragraph; the same applies in paragraph (8), paragraph (9), and Article 52-34-2, paragraph (1)) may make a company that is exclusively engaged in advanced special banking services (meaning the services in which a company set forth in paragraph (1), item (xiv) of the preceding Article may engage and which are specified by Cabinet Office Order; hereinafter the same applies in this Article, Article 52-34-2, paragraph (2) and Article 65, item (xvii)) its specified bank holding company subsidiary.
内閣総理大臣は、銀行持株会社の申請により、当該銀行持株会社が当該銀行持株会社並びに当該銀行持株会社の子会社である銀行及び特例銀行業高度化等業務を専ら営む持株特定子会社の業務の健全かつ適切な運営を確保するために必要と認められる基準として内閣府令で定めるものに適合することについて、認定を行う。
(7)Upon application of a bank holding company, the Prime Minister certifies that the bank holding company satisfies the criteria specified by Cabinet Office Order as criteria that are found to be necessary for ensuring the sound and appropriate management of services of the bank holding company and a bank that is the subsidiary company of the bank holding company, and a specified bank holding company subsidiary that is exclusively engaged in special advanced banking services.
認定銀行持株会社は、第六項の規定により特例銀行業高度化等業務を専ら営む会社を持株特定子会社としようとするとき(特例銀行業高度化等業務を専ら営む会社のうち内閣府令で定める会社にあつては、当該認定銀行持株会社又はその子会社が、合算してその基準議決権数を超える議決権を取得し、又は保有しようとするとき)は、あらかじめ、その会社が営もうとする特例銀行業高度化等業務を定めて、内閣総理大臣に届け出なければならない。
(8)If a certified bank holding company seeks to make a company that is exclusively engaged in special advanced banking services its specified bank holding company subsidiary pursuant to the provisions of paragraph (6) (for a company that is exclusively engaged in special advanced banking services which is specified by Cabinet Office Order, if the certified bank holding company or its subsidiary company seeks to acquire or hold voting rights in that company that cause the number of voting rights to exceed the maximum threshold for voting rights when the voting rights are combined), the certified bank holding company must specify the special advanced banking services that the company seeks to engage in in advance and notify the Prime Minister of the services.
前項の規定は、特例銀行業高度化等業務を専ら営む会社が、前条第四項に規定する内閣府令で定める事由により認定銀行持株会社の持株特定子会社(前項に規定する内閣府令で定める会社にあつては、銀行持株会社又はその子会社が、合算してその基準議決権数を超える議決権を保有する会社。以下この項及び次項において同じ。)となる場合には、適用しない。ただし、当該認定銀行持株会社は、その持株特定子会社となつた会社を引き続き持株特定子会社とすることについて内閣総理大臣に届出をした場合を除き、当該会社が当該事由の生じた日から一年を経過する日までに持株特定子会社でなくなるよう、所要の措置を講じなければならない。
(9)The provisions of the preceding paragraph do not apply if a company that is exclusively engaged in special advanced banking services becomes a certified bank holding company's specified bank holding company subsidiary (for a company specified by Cabinet Office Order that is prescribed in the preceding paragraph, the company in which the bank holding company or its subsidiary companies hold a number of voting rights that exceeds the maximum threshold for voting rights when the voting rights are combined; hereinafter the same applies in this paragraph and the following paragraph) due to the grounds specified by Cabinet Office Order that are prescribed in paragraph (4) of the preceding Article; provided, however, that unless the certified bank holding company notifies the Prime Minister that it will continue to have the company which has become its specified bank holding company subsidiary as its specified bank holding company subsidiary, the certified bank holding company must take the measures required to be taken so that the company will no longer be its specified bank holding company subsidiary by the last day of the one-year period that begins on the date on which the grounds arose.
10銀行持株会社は、第一項又は第六項の規定により特例子会社対象会社(第一項各号に掲げる会社又は特例銀行業高度化等業務を専ら営む会社をいう。以下同じ。)を持株特定子会社としている場合には、当該持株特定子会社が営む業務の内容その他の事情を勘案し、当該銀行持株会社の子会社である銀行の業務の健全かつ適切な運営を確保するために必要と認められる要件として内閣府令で定めるものを満たすために必要な措置を講じなければならない。
(10)When a bank holding company has made a company eligible to be a special subsidiary company (meaning the company set forth in the items of paragraph (1) or a company that is exclusively engaged in special advanced banking services; the same applies hereinafter) a specified bank holding company subsidiary pursuant to the provisions of paragraph (1) or (6), the bank holding company must take the measures required to be taken in order to satisfy the requirements specified by Cabinet Office Order as those that are found to be necessary for ensuring the sound and appropriate management of services at a bank that is the subsidiary company of the bank holding company, by taking into account the contents of the services in which that specified bank holding company subsidiary engages and other circumstances.
11前項の規定は、第四項本文及び第九項本文に規定する場合(第四項ただし書の規定により内閣総理大臣の認可を受けて持株特定子会社となつた特例子会社対象会社を引き続き持株特定子会社とする場合及び第九項ただし書の規定による届出をして持株特定子会社(第八項に規定する内閣府令で定める会社にあつては、当該銀行持株会社又はその子会社が、合算してその基準議決権数を超える議決権を保有する会社。以下この項及び第五十二条の三十四の二第二項において同じ。)となつた特例子会社対象会社を引き続き持株特定子会社とする場合を除く。)には、適用しない。
(11)The provisions of the preceding paragraph do not apply to the cases prescribed in the main clause of paragraph (4) and the main clause of paragraph (9) (excluding the case in which the bank holding company continues to have as its specified bank holding company subsidiary the company eligible to be a special subsidiary company that has become its specified bank holding company subsidiary with the authorization by the Prime Minister pursuant to the proviso to paragraph (4), and the case in which the bank holding company continues to have as its specified bank holding company subsidiary the company eligible to be a special subsidiary company that has become its specified bank holding company subsidiary (in case of a company specified by Cabinet Office Order as prescribed in paragraph (8), the company in which the bank holding company or its subsidiary companies hold a number of voting rights that exceeds the maximum threshold for voting rights when the voting rights are combined; hereinafter the same applies in this paragraph and Article 52-23-2, paragraph (2)) by filing a notification under the provisions of the proviso to paragraph (9)).
(銀行持株会社等による議決権の取得等の制限)
(Restriction on Acquisition of Voting Rights by Bank Holding Companies)
第五十二条の二十四銀行持株会社又はその子会社は、国内の会社(銀行、第五十二条の二十三第一項第一号から第五号まで、第十号、第十二号、第十四号及び第十五号に掲げる会社(同項第十二号に掲げる会社にあつては、特別事業再生会社を除く。)、特例持株会社(当該銀行持株会社が子会社としているものに限る。)並びに特例子会社対象会社並びに特例対象会社を除く。次項から第六項までにおいて同じ。)の議決権については、合算して、その基準議決権数(国内の会社の総株主等の議決権に百分の十五を乗じて得た議決権の数をいう。以下この条及び第六十五条第十七号において同じ。)を超える議決権を取得し、又は保有してはならない。
Article 52-24(1)It is prohibited for a bank holding company or its subsidiary company to acquire or hold voting rights in a domestic company (excluding a bank, a company set forth in any of Article 52-23, paragraph (1), items (i) through (v), item (x), item (xii), item (xiv) and item (xv) (in the case of the company set forth in item (xii) of that paragraph, excluding a company under special business revitalization process), a special holding company (limited to one which the bank holding company has as its subsidiary company), a company eligible to be a special subsidiary company, or a company subject to special provisions; hereinafter the same applies in the following paragraph through paragraph (6)) that cause the number of voting rights held by the bank holding company or its subsidiary companies to exceed the maximum threshold for voting rights when combined (meaning the number of voting rights that is arrived at when the total shareholder or investor voting rights in the domestic company is multiplied by fifteen percent; the same applies hereinafter in this Article and Article 65, item (xvii)).
前項の規定は、銀行持株会社又はその子会社が、担保権の実行による株式等の取得その他の内閣府令で定める事由により、国内の会社の議決権をその基準議決権数を超えて取得し、又は保有することとなる場合には、適用しない。ただし、当該銀行持株会社又はその子会社は、合算してその基準議決権数を超えて取得し、又は保有することとなつた部分の議決権については、当該銀行持株会社があらかじめ内閣総理大臣の承認を受けた場合を除き、その取得し、又は保有することとなつた日から一年を超えてこれを保有してはならない。
(2)The provisions of the preceding paragraph do not apply if a bank holding company or its subsidiary companies come to acquire or hold voting rights in a domestic company that exceed the maximum threshold for voting rights held through the acquisition of shares or equity due to the enforcement of a security right by the bank holding company or its subsidiary companies, or other grounds specified by Cabinet Office Order; provided, however, that unless the bank holding company obtains the approval of the Prime Minister in advance, the bank holding company or its subsidiary companies are prohibited from holding the part of the number of voting rights that they have come to acquire or hold in excess of the maximum threshold for voting rights when the voting rights are combined, after one year has passed since the day on which they came to acquire or hold those voting rights.
前項ただし書の場合において、内閣総理大臣がする同項の承認の対象には、銀行持株会社又はその子会社が国内の会社の議決権を合算してその総株主等の議決権の百分の五十を超えて取得し、又は保有することとなつた議決権のうち当該百分の五十を超える部分の議決権は含まれないものとし、内閣総理大臣が当該承認をするときは、銀行持株会社又はその子会社が合算してその基準議決権数を超えて取得し、又は保有することとなつた議決権のうちその基準議決権数を超える部分の議決権を速やかに処分することを条件としなければならない。
(3)In the case referred to in the proviso to the preceding paragraph, it is prohibited for the part of the number of voting rights in a domestic company that a bank holding company or its subsidiary companies have come to acquire or hold which exceeds fifty percent of the total shareholder or investor voting rights in that company when the voting rights are combined, to be made subject to the approval referred to in that paragraph that the Prime Minister gives; and if the Prime Minister gives the approval referred to in the preceding paragraph, this must be given on condition that the bank holding company or its subsidiary companies promptly dispose of the part of the voting rights they have come to acquire or hold in excess of the maximum threshold for voting rights.
銀行持株会社又はその子会社は、次の各号に掲げる場合には、第一項の規定にかかわらず、当該各号に定める日に保有し、又は保有することとなる国内の会社の議決権がその基準議決権数を超える場合であつても、同日以後、当該議決権をその基準議決権数を超えて保有することができる。ただし、内閣総理大臣は、銀行持株会社又はその子会社が、次の各号に掲げる場合に国内の会社の議決権を合算してその総株主等の議決権の百分の五十を超えて保有し、又は保有することとなるときは、当該各号に規定する認可をしてはならない。
(4)Notwithstanding the provisions of paragraph (1), in the case prescribed in any of the following items, even if the voting rights in a domestic company that a bank holding company or its subsidiary companies have held as of the day specified in the relevant item or come to hold on that day exceed the maximum threshold for voting rights, the bank holding company or its subsidiary companies may hold those voting rights in excess of the maximum threshold for voting rights, from that day forward; provided, however, that the Prime Minister must not grant the authorization provided for in the following items when, in the case set forth each of those items, the bank holding company and its subsidiary companies have held or come to hold a number of voting rights in a domestic company that exceeds fifty percent of the total shareholder or investor voting rights in that company when the voting rights are combined:
第五十二条の十七第一項の認可を受けた会社が当該銀行持株会社になつたとき その銀行持株会社になつた日
(i)a company that has obtained the authorization referred to in Article 52-17, paragraph (1) becomes the bank holding company: the day it has become that bank holding company;
第五十二条の十七第一項の認可を受けて当該銀行持株会社が設立されたとき その設立された日
(ii)the bank holding company is incorporated under the authorization referred to in Article 52-17, paragraph (1): the day it is incorporated;
特定持株会社が第五十二条の十七第三項ただし書の認可を受けて当該銀行持株会社になつたとき その認可を受けた日
(iii)a specified holding company becomes the bank holding company by obtaining the authorization referred to in the proviso to Article 52-17, paragraph (3): the day it has obtained the authorization;
第五十二条の二十三第三項の認可を受けて当該銀行持株会社が子会社対象銀行等を子会社としたとき(内閣府令で定める場合に限る。) その子会社とした日
(iv)the bank holding company has made a bank, etc. eligible to be a subsidiary company its subsidiary company by obtaining the authorization referred to in Article 52-23, paragraph (3) (limited to the case specified by Cabinet Office Order): the day it has made that bank its subsidiary company;
当該銀行持株会社が第五十二条の三十五第一項の認可を受けて合併をしたとき(当該銀行持株会社が存続する場合に限る。) その合併をした日
(v)the bank holding company implemented a merger by obtaining the authorization referred to in Article 52-35, paragraph (1) (limited to the case in which the bank holding company survives the merger): the day it implemented the merger;
当該銀行持株会社が第五十二条の三十五第二項の認可を受けて吸収分割により事業を承継したとき(内閣府令で定める場合に限る。) その吸収分割をした日
(vi)the bank holding company succeeds to a business in an absorption-type company split by obtaining the authorization referred to in Article 52-35, paragraph (2) (limited to the case specified by Cabinet Office Order): the day the absorption-type company split is implemented;
当該銀行持株会社が第五十二条の三十五第三項の認可を受けて事業の譲受けをしたとき(内閣府令で定める場合に限る。) その事業の譲受けをした日
(vii)the bank holding company makes a business acquisition by obtaining the authorization referred to in Article 52-35, paragraph (3) (limited to the case specified by Cabinet Office Order): the day it acquired the business.
内閣総理大臣は、前項各号に規定する認可をするときは、当該各号に定める日に銀行持株会社又はその子会社が合算してその基準議決権数を超えて保有し、又は保有することとなる国内の会社の議決権のうちその基準議決権数を超える部分の議決権を、同日から五年を経過する日までに内閣総理大臣が定める基準に従つて処分することを条件としなければならない。
(5)When giving the authorization provided for in the items of the preceding paragraph, the Prime Minister must give this on condition that the bank holding company or its subsidiary companies dispose of the part of the voting rights in the domestic company that it has held on the day specified in the each of those items or will come to hold on that day that will cause the number of voting rights to exceed the maximum threshold for voting rights when the voting rights are combined, in accordance with the criteria set by the Prime Minister, by the last day of the five-year period that begins on that day.
銀行持株会社又はその子会社が、国内の会社の議決権を合算してその基準議決権数を超えて保有することとなつた場合には、その超える部分の議決権は、当該銀行持株会社が取得し、又は保有するものとみなす。
(6)If a bank holding company or its subsidiary companies come to hold a number of voting rights in a domestic company that exceeds the maximum threshold for voting rights when the voting rights are combined, the bank holding company is deemed to be the one that has acquired or holds the part of the voting rights that is in excess.
前各項の場合において、第五十二条の二十三第一項第十一号に掲げる会社、特別事業再生会社又は同項第十三号に掲げる会社の議決権の取得又は保有については、特定子会社は、銀行持株会社の子会社に該当しないものとみなす。
(7)In the case referred to in any of the preceding paragraphs, a specified subsidiary company is deemed not to be the subsidiary company of a bank holding company concerning the acquisition or holding of voting rights in a company set forth in Article 52-23, paragraph (1), item (xi), a company under special business revitalization process, or a company set forth in item (xiii) of that paragraph.
第一項の「特例対象会社」とは、地域の活性化に資すると認められる事業活動を行う会社として内閣府令で定める会社(第五十二条の二十三第一項第十三号に掲げる会社に該当しないものであつて、当該銀行持株会社又はその特定子会社以外の子会社が、合算してその基準議決権数を超える議決権を保有していないものに限る。)及び同条第一項第十一号から第十三号までに掲げる会社(銀行持株会社の子会社であるものに限る。)と内閣府令で定める特殊の関係のある会社をいう。
(8)The term "company subject to special provisions" as used in paragraph (1) means a company specified by Cabinet Office Order as a company engaged in business activities that are found to contribute to regional development (limited to the case in which the company does not fall under a company set forth in Article 52-23, paragraph (1), item (xiii) and the number of voting rights in the company that are held by the bank holding company or those of its subsidiary companies that are not specified subsidiary companies does not exceed the maximum threshold for voting rights when the voting rights are combined) and a company that has a unique relationship specified by Cabinet Office Order with the company set forth in paragraph (1), items (xi) through (xiii) of that Article (limited to a company that is a subsidiary company of the bank holding company).
第二条第十一項の規定は、前各項の場合において銀行持株会社又はその子会社が取得し、又は保有する議決権について準用する。
(9)The provisions of Article 2, paragraph (11) apply mutatis mutandis to voting rights that a bank holding company or its subsidiary company acquires or holds in the case referred to in the preceding paragraphs.
(銀行持株会社に係る銀行の経営の健全性の確保)
(Ensuring Soundness in Management of Banks Related to Bank Holding Companies)
第五十二条の二十五内閣総理大臣は、銀行の業務の健全な運営に資するため、銀行持株会社が銀行持株会社及びその子会社その他の当該銀行持株会社と内閣府令で定める特殊の関係のある会社(以下この節において「子会社等」という。)の保有する資産等に照らし当該銀行持株会社及びその子会社等の自己資本の充実の状況が適当であるかどうかその他銀行持株会社及びその子会社等の経営の健全性を判断するための基準であつて、銀行の経営の健全性の判断のために参考となるべきものを定めることができる。
Article 52-25In order to contribute to the sound management of a bank's services, the Prime Minister may establish the criteria for a bank holding company to use in order to determine whether the adequacy of equity capital of the bank holding company and its subsidiary company is appropriate in light of the assets owned by the bank holding company and its subsidiary companies, and companies that have a unique relationship specified by Cabinet Office Order with the bank holding company (hereinafter referred to as "subsidiary company, etc." in this Section) and serve as a reference for determining the soundness of bank management.
第三款 経理
Subsection 3 Accounting
(銀行持株会社の事業年度)
(Business Year of Bank Holding Companies)
第五十二条の二十六銀行持株会社の事業年度は、四月一日から翌年三月三十一日までとする。
Article 52-26The business year of a bank holding company is from April 1 to March 31 of the following year.
(銀行持株会社に係る業務報告書等)
(Business Reports of Bank Holding Companies)
第五十二条の二十七銀行持株会社は、事業年度ごとに、当該銀行持株会社及びその子会社等の業務及び財産の状況を連結して記載した当該事業年度の中間事業年度に係る中間業務報告書及び当該事業年度に係る業務報告書を作成し、内閣総理大臣に提出しなければならない。
Article 52-27(1)Each business year, a bank holding company must prepare an interim business report for the interim period of the business year that is a part of the relevant business year and a business report for the entire business year which state the status of business and property of the bank holding company and its subsidiary companies, etc. on a consolidated basis, and submit those reports to the Prime Minister.
中間業務報告書及び業務報告書の記載事項、提出期日その他これらの報告書に関し必要な事項は、内閣府令で定める。
(2)The particulars to be stated in the interim business report and the business report, the due dates for submission, and any other necessary particulars concerning those reports are specified by Cabinet Office Order.
(銀行持株会社に係る貸借対照表等の公告等)
(Public Notice of the Balance Sheets of Bank Holding Companies)
第五十二条の二十八銀行持株会社は、事業年度ごとに、内閣府令で定めるところにより、当該銀行持株会社及びその子会社等につき連結して記載した当該事業年度の中間事業年度に係る貸借対照表及び損益計算書(以下この条において「中間連結貸借対照表等」という。)並びに当該事業年度に係る貸借対照表及び損益計算書(以下この条において「連結貸借対照表等」という。)を作成しなければならない。
Article 52-28(1)Each business year, a bank holding company must prepare a balance sheet and a profit and loss statement for the interim period of the business year which entries are made for the bank holding company and its subsidiary companies, etc. on a consolidated basis (hereinafter referred to as an "interim consolidated balance sheet, etc." in this Article), and prepare a balance sheet and a profit and loss statement for the entire business year (hereinafter referred to as a "consolidated balance sheet, etc." in this Article), pursuant to the provisions of Cabinet Office Order.
中間連結貸借対照表等及び連結貸借対照表等は、電磁的記録をもつて作成することができる。
(2)Interim consolidated balance sheet, etc. and consolidated balance sheet, etc. may be prepared as electronic or magnetic records.
銀行持株会社は、内閣府令で定めるところにより、その中間事業年度経過後三月以内に中間連結貸借対照表等を、その事業年度経過後三月以内に連結貸借対照表等を公告しなければならない。ただし、やむを得ない理由により当該三月以内にこれらの書類の公告をすることができない場合には、内閣総理大臣の承認を受けて、当該公告を延期することができる。
(3)A bank holding company must issue public notice of its interim consolidated balance sheet, etc. within three months after the end of the interim period of the business year, and of its consolidated balance sheet, etc. within three months after the end of the business year, pursuant to the provisions of Cabinet Office Order; provided, however, that if it is not possible for a bank holding company to issue public notice of these documents within the three-month period due to compelling reasons, the bank holding company may postpone the issue of public notice, with the approval of the Prime Minister.
前項の規定にかかわらず、その公告方法が第五十七条第一号に掲げる方法である銀行持株会社は、内閣府令で定めるところにより、中間連結貸借対照表等及び連結貸借対照表等の要旨を公告することで足りる。この場合においては、同項ただし書の規定を準用する。
(4)Notwithstanding the provisions of the preceding paragraph, it is sufficient for a bank holding company that uses the means of public notice set forth in Article 57, item (i) to issue public notice that gives an overview of the interim consolidated balance sheet, etc. and consolidated balance sheet, etc., pursuant to the provisions of Cabinet Office Order. In such a case, the provisions of the proviso to the preceding paragraph apply mutatis mutandis.
前項に規定する銀行持株会社は、内閣府令で定めるところにより、その中間事業年度経過後三月以内に中間連結貸借対照表等を、その事業年度経過後三月以内に連結貸借対照表等の内容である情報を、五年間継続して電磁的方法により不特定多数の者が提供を受けることができる状態に置く措置をとることができる。この場合においては、第三項の規定による公告をしたものとみなす。
(5)Pursuant to the provisions of Cabinet Office Order, a bank holding company prescribed in the preceding paragraph may take a measure that uses electronic or magnetic means to make the interim consolidated balance sheet, etc. available to many and unspecified persons within three months after the end of the interim period of the business year, and to make the information contained in the consolidated balance sheet, etc. available to many and unspecified persons within three months after the end of the business year, for a continuous period of five years. In such a case, the bank is deemed to have issued the public notice under the provisions of paragraph (3).
金融商品取引法第二十四条第一項(有価証券報告書の提出)の規定により有価証券報告書を内閣総理大臣に提出しなければならない銀行持株会社については、前各項の規定は、適用しない。
(6)The provisions of the preceding paragraphs do not apply to a bank holding company that is required to submit an annual securities report to the Prime Minister pursuant to the provisions of Article 24, paragraph (1) (Submission of Annual Securities Reports) of the Financial Instruments and Exchange Act.
(銀行持株会社に係る業務及び財産の状況に関する説明書類の縦覧等)
(Public Inspection of Explanatory Documents on the Status of Business and Property of Bank Holding Companies)
第五十二条の二十九銀行持株会社は、事業年度ごとに、当該銀行持株会社及びその子会社等の業務及び財産の状況に関する事項として内閣府令で定めるものを当該銀行持株会社及び当該子会社等につき連結して記載した当該事業年度の中間事業年度に係る説明書類及び当該事業年度に係る説明書類を作成し、当該銀行持株会社の子会社である銀行の営業所(無人の営業所その他の内閣府令で定める営業所を除く。第三項において同じ。)に備え置き、公衆の縦覧に供しなければならない。前条第一項の規定により作成した書類についても、同様とする。
Article 52-29(1)Each business year, a bank holding company must prepare explanatory documents for the interim period of the business year that is a part of the business year, which state the particulars specified by Cabinet Office Order as relevant to the status of business and property of the bank holding company and its subsidiary companies, etc. on a consolidated basis, prepare explanatory documents for the entire business year which state these particulars on a consolidated basis, keep those documents at the business offices (excluding unmanned business offices and other offices specified by Cabinet Office Order; the same applies in paragraph (3)) of the banks which are subsidiary companies of the bank holding company, and make those documents available for public inspection. The same applies to the documents prepared pursuant to the provisions of paragraph (1) of the preceding Article.
前項前段に規定する中間事業年度に係る説明書類及び事業年度に係る説明書類は、電磁的記録をもつて作成することができる。
(2)Explanatory documents for the interim period of the business year and those for the entire business year provided in the first sentence of the preceding paragraph may be prepared as electronic or magnetic records.
第一項前段に規定する中間事業年度に係る説明書類及び事業年度に係る説明書類又は同項後段に規定する書類が電磁的記録をもつて作成されているときは、銀行持株会社の子会社である銀行の営業所において、当該電磁的記録に記録された情報を電磁的方法により不特定多数の者が提供を受けることができる状態に置く措置として内閣府令で定めるものをとることができる。この場合においては、同項前段に規定する中間事業年度に係る説明書類及び事業年度に係る説明書類又は同項後段に規定する書類を同項の規定により備え置き、公衆の縦覧に供したものとみなす。
(3)If the explanatory documents for the interim period of the business year and those for the entire business year which are provided for in the first sentence of paragraph (1) or the documents provided for in the second sentence of that paragraph have been prepared as electronic or magnetic records, the bank holding company may take a measure that is specified by Cabinet Office Order as a measure that uses electronic or magnetic means to make the information recorded in an electronic or magnetic record available to many and unspecified persons at the business offices of the banks that are subsidiary companies of the bank holding company. In such a case, the bank holding company is deemed to have kept the explanatory documents for the interim period of the business year and those for the entire business year which are provided for in the first sentence of paragraph (1) or the documents provided for in the second sentence of that paragraph and have made them available for public inspection pursuant to the provisions of that paragraph.
前三項に定めるもののほか、第一項前段の当該事業年度の中間事業年度に係る説明書類及び当該事業年度に係る説明書類又は同項後段の書類を公衆の縦覧に供する期間その他これらの規定の適用に関し必要な事項は、内閣府令で定める。
(4)Beyond what is provided for in the preceding three paragraphs, Cabinet Order prescribes the period of time during which explanatory documents for the interim period of the business year that is a part of the business year and those for the entire business year which are referred to in the first sentence of paragraph (1) and the documents referred to in the second sentence of that paragraph are made available for public inspection and the particulars necessary for the application of those provisions.
銀行持株会社は、前各項に規定する事項のほか、当該銀行持株会社の子会社である銀行の預金者その他の顧客が当該銀行持株会社及びその子会社等の業務及び財産の状況を知るために参考となるべき事項の開示に努めなければならない。
(5)In addition to what is provided for in the preceding paragraphs, a bank holding company must endeavor to disclose information which is to serve as a reference for the depositors and other customers of the banks that are its subsidiary companies to learn the status of business and property of the bank holding company and its subsidiary companies, etc.
(銀行持株会社の事業報告等の記載事項等)
(Particulars to be Stated in the Business Report of Bank Holding Companies)
第五十二条の三十銀行持株会社が会社法第四百三十五条第二項(計算書類等の作成及び保存)の規定により作成する銀行持株会社の事業報告及び附属明細書の記載事項又は記録事項は、内閣府令で定める。
Article 52-30The particulars to be stated or recorded in business reports and annexed detailed statements which a bank holding company prepares pursuant to the provisions of Article 435, paragraph (2) (Preparation and Retention of Financial Statements) of the Companies Act are specified by Cabinet Office Order.
第四款 監督
Subsection 4 Supervision
(銀行持株会社等による報告又は資料の提出)
(Making Reports or Submitting Materials by Bank Holding Companies)
第五十二条の三十一内閣総理大臣は、銀行の業務の健全かつ適切な運営を確保するため必要があると認めるときは、当該銀行を子会社とする銀行持株会社に対し、当該銀行の業務又は財産の状況に関し参考となるべき報告又は資料の提出を求めることができる。
Article 52-31(1)If the Prime Minister finds it to be necessary for ensuring the sound and appropriate management of a bank's services, the Prime Minister may request the bank holding company that has a bank as its subsidiary company to report or submit materials that are to serve as a reference for the status of business and property of that bank.
内閣総理大臣は、第二十四条第一項の規定により銀行に対して報告又は資料の提出を求め、及び前項の規定により当該銀行を子会社とする銀行持株会社に対して報告又は資料の提出を求める場合において、特に必要があると認めるときは、その必要の限度において、当該銀行持株会社の子法人等(子会社その他銀行持株会社がその経営を支配している法人として内閣府令で定めるものをいい、当該銀行を除く。次項並びに次条第二項及び第五項において同じ。)又は当該銀行持株会社から業務の委託を受けた者(その者から委託(二以上の段階にわたる委託を含む。)を受けた者を含む。次項並びに次条第二項及び第五項において同じ。)に対し、当該銀行又は当該銀行持株会社の業務又は財産の状況に関し参考となるべき報告又は資料の提出を求めることができる。
(2)If the Prime Minister requests a bank to make a report or submit materials pursuant to the provisions of Article 24, paragraph (1) or requests the bank holding company that has the bank as its subsidiary company to make a report or submit materials pursuant to the provisions of the preceding paragraph, and finds it to be particularly necessary, the Prime Minister may, to the extent necessary, ask the subsidiary corporation, etc. of that bank holding company (meaning a subsidiary company or a corporation specified by Cabinet Office Order as a corporation whose management is controlled by that bank holding company, and excluding the bank in question; the same applies in the following paragraph and paragraphs (2) and (5) of the following Article) or the person that a bank holding company has entrusted with its services (including a person further entrusted by that entrusted person (including entrustment at two or more degrees of separation from the original entrustment); the same applies in the following paragraph, and paragraphs (2) and (5) of the following Article) to make a report or submit materials that are to serve as a reference for the status of business or property of that bank or bank holding company.
銀行持株会社の子法人等又は当該銀行持株会社から業務の委託を受けた者は、正当な理由があるときは、前項の規定による報告又は資料の提出を拒むことができる。
(3)The subsidiary corporation, etc. of a bank holding company or the person that a bank holding company has entrusted with its services may refuse to make a report or submit materials pursuant to the provisions of the preceding paragraph if it has legitimate grounds for doing so.
(銀行持株会社等に対する立入検査)
(On-Site Inspection of Bank Holding Companies)
第五十二条の三十二内閣総理大臣は、銀行の業務の健全かつ適切な運営を確保するため必要があると認めるときは、当該職員に当該銀行を子会社とする銀行持株会社の事務所その他の施設に立ち入らせ、当該銀行若しくは当該銀行持株会社の業務若しくは財産の状況に関し質問させ、又は当該銀行持株会社の帳簿書類その他の物件を検査させることができる。
Article 52-32(1)If the Prime Minister finds it to be necessary for ensuring the sound and appropriate management of a bank's services, the Prime Minister may have relevant officials enter the business office or other facilities of the bank holding company that has a bank as its subsidiary company, have those officials ask questions about the status of business or property of the bank or the bank holding company, and have them inspect the books, documents, and any other articles of the bank holding company.
内閣総理大臣は、第二十五条第一項の規定による銀行に対する立入り、質問又は検査を行い、及び前項の規定による当該銀行を子会社とする銀行持株会社に対する立入り、質問又は検査を行う場合において、特に必要があると認めるときは、その必要の限度において、当該職員に当該銀行持株会社の子法人等若しくは当該銀行持株会社から業務の委託を受けた者の営業所その他の施設に立ち入らせ、当該銀行若しくは当該銀行持株会社に対する質問若しくは検査に必要な事項に関し質問させ、又は帳簿書類その他の物件を検査させることができる。
(2)In entering a facility, conducting questioning or inspection at a bank pursuant to the provisions of Article 25, paragraph (1), or entering a facility, conducting questioning, or inspection at the bank holding company that has the bank as its subsidiary company pursuant to the provisions of the preceding paragraph, if the Prime Minister finds it to be particularly necessary, the Prime Minister may, to the extent necessary, have relevant officials enter the business office or other facilities of a subsidiary corporation, etc. of the bank holding company or the business office or other facilities of the person that a bank holding company has entrusted with its services, have those officials ask questions about any particulars that are required in relation to the questioning or inspection of the bank or the bank holding company, and have them inspect its books, documents, and any other objects.
前二項の場合において、当該職員は、その身分を示す証明書を携帯し、関係人の請求があつたときは、これを提示しなければならない。
(3)In the case referred to in the preceding two paragraphs, the officials must carry an identification card, and must present it if a person concerned requests them to do so.
第一項及び第二項の規定による権限は、犯罪捜査のために認められたものと解してはならない。
(4)The authority under paragraph (1) or (2) must not be construed as being granted for criminal investigation purposes.
前条第三項の規定は、第二項の規定による銀行持株会社の子法人等又は当該銀行持株会社から業務の委託を受けた者に対する質問及び検査について準用する。
(5)The provisions of paragraph (3) of the preceding Article apply mutatis mutandis to the questioning and inspection pursuant to the provisions of paragraph (2) of the subsidiary corporation, etc. of a bank holding company or of the person that a bank holding company has entrusted with its services.
(銀行持株会社に対する改善計画の提出の求め等)
(Requesting Bank Holding Companies to Submit an Improvement Plan)
第五十二条の三十三内閣総理大臣は、銀行持株会社の業務又は銀行持株会社及びその子会社等の財産の状況に照らして、当該銀行持株会社の子会社である銀行の業務の健全かつ適切な運営を確保するため必要があると認めるときは、当該銀行持株会社に対し、措置を講ずべき事項及び期限を示して、当該銀行の経営の健全性を確保するための改善計画の提出を求め、若しくは提出された改善計画の変更を命じ、又はその必要の限度において監督上必要な措置を命ずることができる。
Article 52-33(1)If the Prime Minister finds it to be particularly necessary for ensuring the sound and appropriate management of services of a bank that is the subsidiary company of a bank holding company, in light of the status of business of the bank holding company or the status of property of the bank holding company and its subsidiary companies, etc., the Prime Minister may indicate to the bank holding company the particulars for which measures are required to be taken and the due date for taking them, request it to submit an improvement plan for ensuring soundness in bank management, or order it to change the improvement plan that has been submitted, or may order measures that are necessary for supervision to be taken, to the extent necessary.
前項の規定による命令(改善計画の提出を求めることを含む。次項において同じ。)であつて、銀行持株会社及びその子会社等の自己資本の充実の状況によつて必要があると認めるときにするものは、内閣府令・財務省令で定める銀行持株会社及びその子会社等の自己資本の充実の状況に係る区分に応じ内閣府令・財務省令で定めるものでなければならない。
(2)An order pursuant to the provisions of the preceding paragraph (including the request to submit an improvement plan; the same applies in the following paragraph) that is issued when it is found necessary to do so in light of adequacy in the equity capital of the bank holding company and its subsidiary companies, etc. must be an order specified by Cabinet Office Order or Ministry of Finance Order in accordance with the category of adequacy in the equity capital of the bank holding company and its subsidiary companies, etc., as specified by Cabinet Office Order or Ministry of Finance Order.
内閣総理大臣は、銀行持株会社に対し第一項の規定による命令をした場合において、当該命令に係る措置の実施の状況に照らして特に必要があると認めるときは、当該銀行持株会社の子会社である銀行に対し、その業務の健全かつ適切な運営を確保するために必要な措置を命ずることができる。
(3)If the Prime Minister has issued the order pursuant to the provisions of paragraph (1) to a bank holding company, and finds it to be particularly necessary in light of the implementation status of the measures under that order, the Prime Minister may order a bank that is the subsidiary company of the bank holding company to take the necessary measures for ensuring the sound and appropriate management of its services.
(銀行持株会社に係る認可の取消し等)
(Revocation of the Authorization for Bank Holding Companies)
第五十二条の三十四内閣総理大臣は、銀行持株会社が法令、定款若しくは法令に基づく内閣総理大臣の処分に違反したとき又は公益を害する行為をしたときは、当該銀行持株会社に対しその取締役、執行役、会計参与、監査役若しくは会計監査人の解任その他監督上必要な措置を命じ、若しくは当該銀行持株会社の第五十二条の十七第一項若しくは第三項ただし書の認可を取り消し、又は当該銀行持株会社の子会社である銀行に対しその業務の全部若しくは一部の停止を命ずることができる。この場合において、同条第一項の認可のうち設立に係るものは、当該認可を受けて設立された銀行持株会社に対して与えられているものとみなす。
Article 52-34(1)If a bank holding company violates laws and regulations, its articles of incorporation, or a disposition by the Prime Minister based on the applicable laws and regulations, or commits an act that harms the public interest, the Prime Minister may order the bank holding company to dismiss its director, executive officer, accounting advisor, company auditor, or accounting auditor, order to take other measures that are necessary for supervision, or revoke the authorization referred to in Article 52-17, paragraph (1) or the proviso to Article 52-17, paragraph (3) for the bank holding company, or may order a bank that is the subsidiary company of that bank holding company to suspend all or part of its services. In such a case, the authorization for incorporation referred in paragraph (1) of that Article is deemed to have been granted to the bank holding company incorporated by obtaining that authorization.
銀行持株会社は、前項の規定により第五十二条の十七第一項又は第三項ただし書の認可を取り消されたときは、内閣総理大臣が指定する期間内に銀行を子会社とする持株会社でなくなるよう、所要の措置を講じなければならない。
(2)If a bank holding company has its authorization referred to in Article 52-17, paragraph (1) or the proviso to Article 52-17, paragraph (3) revoked pursuant to the provisions of the preceding paragraph, it must take measures that is required to be taken so that it is no longer a holding company that has a bank as its subsidiary company, within the period designated by the Prime Minister.
前項に規定する措置が講じられた場合において、当該措置を講じた会社がなお銀行の主要株主基準値以上の数の議決権の保有者であるときは、当該措置を講じた日を第五十二条の九第二項に規定する事由の生じた日とみなして、同項の規定を適用する。
(3)If the measures provided for in the preceding paragraph are taken, and the company that has taken the measures is still the holder of a number of voting rights in the bank which is equal to or greater than the major shareholder threshold, the day on which those measures are taken is deemed to be the date on which the ground referred to in those provisions arose, and the provisions of Article 52-9, paragraph (2) apply.
内閣総理大臣は、銀行を子会社とする持株会社が次の各号のいずれかに該当する場合において必要があると認めるときは、当該持株会社の子会社である銀行に対し、その業務の全部又は一部の停止を命ずることができる。
(4)If a holding company that has a bank as its subsidiary company falls under one of the following items and the Prime Minister finds it to be necessary, the Prime Minister may order the bank that is the subsidiary company of the holding company to suspend all or part of its services:
第五十二条の十七第一項の認可を受けずに同項各号に掲げる取引又は行為により銀行を子会社とする持株会社になつたもの
(i)it became a holding company that has a bank as its subsidiary company through one of the transactions or actions set forth in the items of Article 52-17, paragraph (1), without obtaining the authorization referred to in the items of that paragraph;
第五十二条の十七第一項の認可を受けずに銀行を子会社とする持株会社として設立されたもの
(ii)it was incorporated as a holding company that has a bank as its subsidiary company without obtaining the authorization referred to in Article 52-17, paragraph (1);
第五十二条の十七第三項ただし書の認可を受けることなく同項の猶予期限日後も銀行を子会社とする持株会社であるもの
(iii)it remains a holding company that has a bank as its subsidiary company after the last day of the grace period referred to in Article 52-17, paragraph (3), without obtaining the authorization referred to in the proviso to that paragraph; or
第一項の規定により第五十二条の十七第一項又は第三項ただし書の認可を取り消された持株会社であつて、第二項の規定による措置を講ずることなく同項の内閣総理大臣が指定する期間後も銀行を子会社とする持株会社であるもの
(iv)it is a holding company that has had the authorization referred to in Article 52-17, paragraph (1) or the proviso to Article 52-17, paragraph (3) revoked pursuant to the provisions of paragraph (1), has not taken the measures under paragraph (2), and still has a bank as its subsidiary company after the expiration of the period designated by the Prime Minister as prescribed in that paragraph.
(認定銀行持株会社の認定の取消し等)
(Revocation of Certification of Certified Bank Holding Companies)
第五十二条の三十四の二内閣総理大臣は、認定銀行持株会社が第五十二条の二十三の二第七項に規定する基準に適合しなくなつたと認めるときは、当該認定銀行持株会社に対し、措置を講ずべき期限を示して、当該基準に適合させるために必要な措置をとるべき旨の命令をし、又は同項の認定を取り消すことができる。
Article 52-34-2(1)If the Prime Minister finds that a certified bank holding company no longer satisfies the criteria prescribed in Article 52-23-2, paragraph (7), the Prime Minister may order the certified bank holding company to take measures necessary to satisfy the criteria by indicating the due date by which it is required to take the measures, or revoke the certification referred to in that paragraph.
前項の規定により第五十二条の二十三の二第七項の認定を取り消された銀行持株会社は、その持株特定子会社としている特例銀行業高度化等業務を専ら営む会社を引き続き持株特定子会社とすることについて内閣総理大臣の認可を受けた場合を除き、当該認定を取り消された日から一年を経過する日までに当該会社が持株特定子会社でなくなるよう、所要の措置を講じなければならない。
(2)Unless a bank holding company whose certification referred to in Article 52-23-2, paragraph (7) has been revoked pursuant to the provisions of the preceding paragraph obtains the authorization by the Prime Minister to continue to have as its specified bank holding company subsidiary the company which is engaged in special advanced banking services and which the bank holding company has as its specified bank holding company subsidiary, the bank holding company is required to take the measures that is required to be taken so that the company is no longer its specified bank holding company subsidiary by the last day of the one-year period that begins on the date of revocation of the certification.
第五款 雑則
Subsection 5 Miscellaneous Provisions
(銀行持株会社に係る合併、会社分割又は事業の譲渡若しくは譲受けの認可)
(Authorization for Merger, Company Split, or Business Transfer or Acquisition Involving Bank Holding Companies)
第五十二条の三十五銀行持株会社を全部又は一部の当事者とする合併(当該合併前に銀行持株会社であつた一の会社が当該合併後も銀行持株会社として存続するものに限る。)は、内閣総理大臣の認可を受けなければ、その効力を生じない。
Article 52-35(1)A merger in which bank holding companies are all or some of the parties (limited to a merger in which a company that was a bank holding company before the merger survives as a bank holding company after the merger) does not become effective without the authorization by the Prime Minister.
銀行持株会社を当事者とする会社分割(当該会社分割により事業を承継させた銀行持株会社又は当該会社分割により事業を承継した銀行持株会社が、その会社分割後も引き続き銀行持株会社であるものに限る。)は、政令で定めるものを除き、内閣総理大臣の認可を受けなければ、その効力を生じない。
(2)Except as specified by Cabinet Order, a company split to which a bank holding company is a party (limited to a company split in which the bank holding company that has its business succeeded to or the bank holding company that succeeds to a business continues to exist as a bank holding company after the company split) does not become effective without the authorization by the Prime Minister.
銀行持株会社を当事者とする事業の全部又は一部の譲渡又は譲受け(当該事業の譲渡又は譲受けをした銀行持株会社が、その譲渡又は譲受け後も引き続き銀行持株会社であるものに限る。)は、政令で定めるものを除き、内閣総理大臣の認可を受けなければ、その効力を生じない。
(3)Except as specified by Cabinet Order, a business transfer or acquisition in which a bank holding company transfers or acquires all or a part of its business (limited to a transfer or acquisition in which the bank holding company that transfers or acquires the business continues to exist as a bank holding company even after the transfer or acquisition) does not become effective without the authorization by the Prime Minister.
第五十二条の十八第一項の規定は、前三項の認可の申請があつた場合について準用する。
(4)The provisions of Article 52-18, paragraph (1) apply mutatis mutandis when an application for the authorization referred to in one of the preceding three paragraphs is filed.
第七章の四 銀行代理業
Chapter VII-4 Bank Agency Services
第一節 通則
Section 1 General Rules
(許可)
(License)
第五十二条の三十六銀行代理業は、内閣総理大臣の許可を受けた者でなければ、営むことができない。
Article 52-36(1)A person may not perform bank agency services unless licensed by the Prime Minister to do so.
銀行代理業者は、所属銀行の委託を受け、又は所属銀行の委託を受けた銀行代理業者の再委託を受ける場合でなければ、銀行代理業を営んではならない。
(2)A bank agent may not perform bank agency services unless entrusted by a principal bank to do so, or unless further entrusted to do so by a bank agent that has been entrusted to do so by a principal bank.
銀行代理業者は、あらかじめ、所属銀行の許諾を得た場合でなければ、銀行代理業の再委託をしてはならない。
(3)A bank agent may not further entrust a person with bank agency services unless it obtains the approval of the principal bank to do so in advance.
(許可の申請)
(Application for a License)
第五十二条の三十七前条第一項の許可を受けようとする者(次条第一項及び第五十二条の四十二第四項において「申請者」という。)は、次に掲げる事項を記載した申請書を内閣総理大臣に提出しなければならない。
Article 52-37(1)A person seeking to obtain a license referred to in paragraph (1) of the preceding Article (hereinafter referred to as an "applicant" in paragraph (1) of the following Article and Article 52-42, paragraph (4)) must submit a written application that states the following particulars to the Prime Minister:
商号、名称又は氏名
(i)the trade name or name of the applicant;
法人であるときは、その役員の氏名
(ii)if the applicant is a corporation, the names of its officers;
銀行代理業を営む営業所又は事務所の名称及び所在地
(iii)the name and location of the applicant's business offices and other offices at which the bank agency services are to be performed;
所属銀行の商号
(iv)the trade name of the principal bank;
他に業務を営むときは、その業務の種類
(v)if the applicant conducts other business, the type of that business; and
その他内閣府令で定める事項
(vi)other particulars specified by Cabinet Office Order.
前項の申請書には、次に掲げる書類を添付しなければならない。
(2)The following documents must be attached to the written application referred to in the preceding paragraph.
法人であるときは、定款及び登記事項証明書(これらに準ずるものを含む。)
(i)if the applicant is a corporation, the articles of incorporation and certificate of registered information (or documents equivalent to them);
銀行代理業の業務の内容及び方法として内閣府令で定めるものを記載した書類
(ii)documents stating the things specified by Cabinet Office Order as the content of business and business methods of bank agency services; and
その他内閣府令で定める書類
(iii)other documents specified by Cabinet Office Order.
(許可の基準)
(Criteria for License)
第五十二条の三十八内閣総理大臣は、第五十二条の三十六第一項の許可の申請があつたときは、申請者が次に掲げる基準に適合するかどうかを審査しなければならない。
Article 52-38(1)When an application is filed for the license referred to in Article 52-36, paragraph (1), the Prime Minister must examine whether the applicant meets the following criteria:
銀行代理業を遂行するために必要と認められる内閣府令で定める基準に適合する財産的基礎を有する者であること。
(i)the applicant has the financial basis that is found to be necessary for performing bank agency services that meets the criteria specified by Cabinet Office Order;
人的構成等に照らして、銀行代理業を的確、公正かつ効率的に遂行するために必要な能力を有し、かつ、十分な社会的信用を有する者であること。
(ii)in light of its personnel structure, the applicant has the ability necessary to perform bank agency services appropriately, fairly, and efficiently, and has sufficient social credibility; and
他に業務を営むことによりその銀行代理業を適正かつ確実に営むことにつき支障を及ぼすおそれがあると認められない者であること。
(iii)other business which the applicant conducts is unlikely to prevent the applicant from performing bank agency services properly and reliably.
内閣総理大臣は、前項の規定による審査の基準に照らし公益上必要があると認めるときは、その必要の限度において、第五十二条の三十六第一項の許可に銀行代理業の業務の内容その他の事項について条件を付し、及びこれを変更することができる。
(2)If the Prime Minister finds it to be necessary in the public interest in light of the criteria of the examination pursuant to the provisions of the preceding paragraph, the Prime Minister may, to the extent necessary, attach conditions on the content of bank agency services or other particulars to the license referred to in Article 52-36, paragraph (1), and may change those conditions.
(変更の届出)
(Notification of Changes)
第五十二条の三十九銀行代理業者は、第五十二条の三十七第一項各号に掲げる事項に変更があつたときは、内閣府令で定める場合を除き、内閣府令で定めるところにより、その日から三十日以内に、その旨を内閣総理大臣に届け出なければならない。
Article 52-39(1)Except in cases specified by the Cabinet Office Order, if a particular set forth in any of the items of Article 52-37, paragraph (1) changes, the bank agent must file a notification to that effect with the Prime Minister, within 30 days after the day on which the change occurred, pursuant to the provisions of Cabinet Office Order.
銀行代理業者は、第五十二条の三十七第二項第二号に掲げる書類に定めた事項を変更しようとするときは、内閣府令で定めるところにより、あらかじめ、その旨を内閣総理大臣に届け出なければならない。
(2)When seeking to change a particular prescribed in the document set forth in Article 52-37, paragraph (2), item (ii), a bank agent must file a notification to that effect with the Prime Minister, pursuant to the provisions of Cabinet Office Order.
(標識の掲示)
(Posting of Signs)
第五十二条の四十銀行代理業者は、銀行代理業を営む営業所又は事務所ごとに、公衆の見やすい場所に、内閣府令で定める様式の標識を掲示しなければならない。
Article 52-40(1)A bank agent must post a sign in the form specified by Cabinet Office Order in a place easily seen by the public at each of its business offices and other offices where the bank agent performs bank agency services.
銀行代理業者以外の者は、前項の標識又はこれに類似する標識を掲示してはならない。
(2)It is prohibited for a person other than a bank agent to post the sign referred to in the preceding paragraph or a sign similar to the sign.
(名義貸しの禁止)
(Prohibition on Lending of One's Name)
第五十二条の四十一銀行代理業者は、自己の名義をもつて、他人に銀行代理業を営ませてはならない。
Article 52-41A bank agent must not allow another person to engage in bank agency services using their name.
第二節 業務
Section 2 Services
(業務の範囲)
(Scope of Services)
第五十二条の四十二銀行代理業者は、銀行代理業及び銀行代理業に付随する業務のほか、内閣総理大臣の承認を受けた業務を営むことができる。
Article 52-42(1)In addition to bank agency services and services incidental to bank agency services, a bank agent may perform other services with the approval of the Prime Minister.
内閣総理大臣は、前項の承認の申請があつた場合には、当該申請に係る業務を営むことが銀行代理業を適正かつ確実に営むことについて支障を及ぼすおそれがあると認められるときに限り、承認しないことができる。
(2)When an application is filed for the approval referred to in the preceding paragraph, the Prime Minister may choose not to grant the approval only for cases in which it is found that conducting the services related to the application is likely to interfere with the proper and reliable performance of bank agency services.
銀行代理業者は、第一項の規定により営む業務のほか、他の業務を営むことができない。
(3)A bank agent may not conduct services other than those conducted pursuant to the provisions of paragraph (1).
第五十二条の三十六第一項の許可の申請書に申請者が銀行代理業及び銀行代理業に付随する業務以外の業務を営む旨の記載がある場合において、当該申請者が当該許可を受けたときには、当該業務を営むことについて第一項の承認を受けたものとみなす。
(4)If a written application for the license referred to in Article 52-36, paragraph (1) states that the applicant will conduct services other than bank agency services and services incidental to them, and the applicant obtains that license, the applicant is deemed to have obtained the approval referred to in paragraph (1) for those services.
(分別管理)
(Separate Management)
第五十二条の四十三銀行代理業者は、第二条第十四項各号に掲げる行為(以下この章において「銀行代理行為」という。)に関して顧客から金銭その他の財産の交付を受けた場合には、内閣府令で定めるところにより、自己の固有財産と分別して管理しなければならない。
Article 52-43When a bank agent receives delivery of money or other properties from a customer in connection with an action set forth in any of the items of Article 2, paragraph (14) (hereinafter referred to as "activity as a bank agent" in this Chapter), the bank agent must manage the money or other properties separately from its own property, pursuant to the provisions of Cabinet Office Order.
(顧客に対する説明等)
(Explanation to Customers)
第五十二条の四十四銀行代理業者は、銀行代理行為を行うときは、あらかじめ、顧客に対し、次に掲げる事項を明らかにしなければならない。
Article 52-44(1)Before engaging in activities as a bank agent, a bank agent must disclose the following information to the customer:
所属銀行の商号
(i)the trade name of the principal bank;
第二条第十四項各号に規定する契約の締結を代理するか、又は媒介するかの別
(ii)whether the bank agent acts as an agent or as an intermediary, for concluding the contracts prescribed in the items of Article 2, paragraph (14); and
その他内閣府令で定める事項
(iii)other particulars specified by Cabinet Office Order.
銀行代理業者は、第二条第十四項第一号に掲げる行為(特定預金等契約の締結の代理及び媒介を除く。)に関し、預金者等の保護に資するため、内閣府令で定めるところにより、預金又は定期積金等に係る契約の内容その他預金者等に参考となるべき情報の提供を行わなければならない。
(2)In order to contribute to the protection of depositor, etc. with regard to the actions set forth in Article 2, paragraph (14), item (i) (excluding acting as agent or intermediary for a contract for specified deposit, etc.), a bank agent must provide information of the content of the contracts involving deposits or installment savings, etc. and other information that is to serve as a reference for the depositors, etc., pursuant to the provisions of Cabinet Office Order.
前二項及び第五十二条の四十五の二並びに他の法律に定めるもののほか、銀行代理業者は、内閣府令で定めるところにより、その銀行代理行為に係る重要な事項の顧客への説明、その銀行代理行為に関して取得した顧客に関する情報の適正な取扱いその他の健全かつ適切な運営を確保するための措置を講じなければならない。
(3)Beyond what is prescribed in the preceding two paragraphs, Article 52-45-2, and other laws, a bank agent must explain material particulars related to its activities as a bank agent to customers, appropriately handle customer information acquired in connection with its activities as a bank agent, and take other measures for ensuring the sound and appropriate management of its operations, pursuant to the provisions of Cabinet Office Order.
(銀行代理業に係る禁止行為)
(Prohibited Actions Concerning Bank Agency Services)
第五十二条の四十五銀行代理業者は、銀行代理業に関し、次に掲げる行為(特定預金等契約の締結の代理又は媒介の業務に関しては、第五号に掲げる行為を除く。)をしてはならない。
Article 52-45A bank agent must not engage in any of the following actions (excluding the actions set forth in item (v), in acting as agent or intermediary regarding a contract of specified deposit, etc.) concerning its bank agency services:
顧客に対し、虚偽のことを告げる行為
(i)conveying false information to a customer;
顧客に対し、不確実な事項について断定的判断を提供し、又は確実であると誤認させるおそれのあることを告げる行為
(ii)providing a customer with a conclusive assessment on a matter that is uncertain or with information that could mislead the customer into believing that an uncertain matter is actually certain;
顧客に対し、当該銀行代理業者又は当該銀行代理業者の子会社その他当該銀行代理業者と内閣府令で定める密接な関係を有する者(次号において「密接関係者」という。)の営む業務に係る取引を行うことを条件として、資金の貸付け又は手形の割引を内容とする契約の締結の代理又は媒介をする行為(顧客の保護に欠けるおそれがないものとして内閣府令で定めるものを除く。)
(iii)acting as an agent or intermediary for concluding a contract which concerns lending of funds or discounting of a bill for a customer on the condition that the customer conducts a transaction related to the services performed by the bank agent, the subsidiary company of the bank agent, or a person that has a close relationship specified by Cabinet Office Order with the bank agent (referred to as "closely related person" in the following item) (excluding an action specified by Cabinet Office Order as unlikely to result in insufficient customer protection);
当該銀行代理業者の密接関係者に対し、取引の条件が所属銀行の取引の通常の条件に照らして当該所属銀行に不利益を与えるものであることを知りながら、その通常の条件よりも有利な条件で資金の貸付け又は手形の割引を内容とする契約の締結の代理又は媒介をする行為(所属銀行の業務の健全かつ適切な遂行に支障を及ぼすおそれがないものとして内閣府令で定めるものを除く。)
(iv)acting as an agent or intermediary for concluding a contract which concerns lending of funds or discounting of a bill for a closely related party with terms and conditions that are more favorable than ordinary terms and conditions applied to transactions with the principal bank, with the knowledge that those terms and conditions will put the principal bank at a disadvantage, in light of the ordinary terms and conditions for transactions by the principal bank (excluding an action specified by Cabinet Office Order as unlikely to impair the sound and appropriate performance of the services of the principal bank)
前各号に掲げるもののほか、顧客の保護に欠け、又は所属銀行の業務の健全かつ適切な遂行に支障を及ぼすおそれがあるものとして内閣府令で定める行為
(v)beyond what is set forth in the preceding items, an action specified by Cabinet Office Order as resulting in insufficient customer protection or being unlikely to impair the sound and appropriate performance of the services of the principal bank.
(銀行代理業者についての金融商品取引法の準用)
(Application, Mutatis Mutandis of the Financial Instruments and Exchange Act Concerning Bank Agents)
第五十二条の四十五の二金融商品取引法第三章第二節第一款(第三十五条から第三十六条の四まで(第一種金融商品取引業又は投資運用業を行う者の業務の範囲、第二種金融商品取引業又は投資助言・代理業のみを行う者の兼業の範囲、業務管理体制の整備、顧客に対する誠実義務、標識の掲示、名義貸しの禁止、社債の管理の禁止等)、第三十七条第一項第二号(広告等の規制)、第三十七条の二(取引態様の事前明示義務)、第三十七条の三第一項第二号及び第六号並びに第三項(契約締結前の書面の交付)、第三十七条の五(保証金の受領に係る書面の交付)、第三十七条の六第一項、第二項、第四項ただし書及び第五項(書面等による解除)、第三十七条の七(指定紛争解決機関との契約締結義務等)、第三十八条第一号、第二号、第七号及び第八号並びに第三十八条の二(禁止行為)、第三十九条第三項ただし書、第四項、第六項及び第七項(損失補填等の禁止)並びに第四十条の二から第四十条の七まで(最良執行方針等、分別管理が確保されていない場合の売買等の禁止、金銭の流用が行われている場合の募集等の禁止、特定投資家向け有価証券の売買等の制限、特定投資家向け有価証券に関する告知義務、のみ行為の禁止、店頭デリバティブ取引に関する電子情報処理組織の使用義務等)を除く。)(通則)の規定は、銀行代理業者が行う銀行代理業に係る特定預金等契約の締結の代理又は媒介について準用する。この場合において、これらの規定中「金融商品取引業」とあるのは「銀行法第十三条の四に規定する特定預金等契約の締結の代理又は媒介の業務」と、「金融商品取引行為」とあるのは「銀行法第十三条の四に規定する特定預金等契約の締結」と、これらの規定(同法第三十七条の六第三項の規定を除く。)中「金融商品取引契約」とあるのは「銀行法第十三条の四に規定する特定預金等契約」と、同法第三十七条の三第一項中「を締結しようとするとき」とあるのは「の締結の代理又は媒介を行うとき」と、「交付しなければならない」とあるのは「交付するほか、預金者等(銀行法第二条第五項に規定する預金者等をいう。以下この項において同じ。)の保護に資するため、内閣府令で定めるところにより、当該特定預金等契約の内容その他預金者等に参考となるべき情報の提供を行わなければならない」と、同項第一号中「金融商品取引業者等」とあるのは「銀行代理業者(銀行法第二条第十五項に規定する銀行代理業者をいう。)の所属銀行(同条第十六項に規定する所属銀行をいう。)」と、同法第三十七条の六第三項中「金融商品取引契約の解除があつた場合には」とあるのは「特定預金等契約(銀行法第十三条の四に規定する特定預金等契約をいう。第三十九条において同じ。)の解除に伴い銀行に損害賠償その他の金銭の支払をした場合において」と、「金融商品取引契約の解除までの期間に相当する手数料、報酬その他の当該金融商品取引契約に関して顧客が支払うべき対価(次項において「対価」という。)の額として内閣府令で定める金額を超えて当該金融商品取引契約の解除」とあるのは「支払」と、「又は違約金の支払を」とあるのは「その他の金銭の支払を、解除をした者に対し、」と、同法第三十九条第一項第一号中「有価証券の売買その他の取引(買戻価格があらかじめ定められている買戻条件付売買その他の政令で定める取引を除く。)又はデリバティブ取引(以下この条において「有価証券売買取引等」という。)」とあるのは「特定預金等契約の締結」と、「有価証券又はデリバティブ取引(以下この条において「有価証券等」という。)」とあるのは「特定預金等契約」と、「顧客(信託会社等(信託会社又は金融機関の信託業務の兼営等に関する法律第一条第一項の認可を受けた金融機関をいう。以下同じ。)が、信託契約に基づいて信託をする者の計算において、有価証券の売買又はデリバティブ取引を行う場合にあつては、当該信託をする者を含む。以下この条において同じ。)」とあるのは「顧客」と、「補足するため」とあるのは「補足するため、当該特定預金等契約によらないで」と、同項第二号中「有価証券売買取引等」とあるのは「特定預金等契約の締結」と、「有価証券等」とあるのは「特定預金等契約」と、「追加するため」とあるのは「追加するため、当該特定預金等契約によらないで」と、同項第三号中「有価証券売買取引等」とあるのは「特定預金等契約の締結」と、「有価証券等」とあるのは「特定預金等契約」と、「追加するため、」とあるのは「追加するため、当該特定預金等契約によらないで」と、同条第二項中「有価証券売買取引等」とあるのは「特定預金等契約の締結」と、同条第三項中「原因となるものとして内閣府令で定めるもの」とあるのは「原因となるもの」と読み替えるものとするほか、必要な技術的読替えは、政令で定める。
Article 52-45-2The provisions of Chapter III, Section 2, Subsection 1 of the Financial Instruments and Exchange Act (Articles 35 through 36-4 (Scope of Services for Persons Engaged in Type-I Financial Instruments Business or Investment Management Business; Scope of Concurrent Business by Persons Only Engaged in Type-II Financial Instruments Business or Investment Advisory and Agency Business; Development of an Operational Control System; Duty of Sincerity to Customers; Posting Signs; Prohibition on Lending of One's Name; Prohibition on Corporate Bond Management), Article 37, paragraph (1), item (ii) (Regulation on Advertising), Article 37-2 (Obligation to Clarify the Conditions of Transactions in Advance), Article 37-3, paragraph (1), items (ii) and (vi) and paragraph (3) (Delivery of Documents Prior to the Conclusion of a Contract), Article 37-5 (Delivery of Documents in Connection with the Receipt of a Security Deposit), Article 37-6, paragraphs (1) and (2), the proviso to paragraph (4), and paragraph (5) (Written Cancellation), Article 37-7 (Obligation to Conclude a Contract with a Designated Dispute Resolution Organization), Article 38, item (i), item (ii), item (vii) and item (viii), Article 38-2 (Prohibited Actions), the proviso to Article 39, paragraph (3), and paragraph (4), paragraph (6) and paragraph (7) of that Article (Prohibition on Compensation of Loss), Articles 40-2 through 40-7 (excluding Best Execution Policy; Prohibition of Purchase and Sale If Separate Management Is Not Ensured; Prohibition of Public Offering If Money Has Been Diverted; Restrictions on the Purchase and Sale of Securities for Professional Investors; Obligation to Notify in Connection with Securities for Professional Investors, Prohibition of Trading Against Self, Obligation to Use an Electronic Data Processing Systems for Over-the-Counter Transactions of Derivatives)) (General Rules) apply mutatis mutandis to a bank agent's actions as agent or intermediary for the conclusion of a contract for specified deposit, etc. In such cases, the term "financial instruments business" in these provisions is deemed to be replaced with "actions as an agent or intermediary in a person's conclusion of a contract for specified deposit, etc. as defined in Article 13-4 of the Banking Act"; the phrase "act that constitutes a Financial Instruments transaction" in these provisions is deemed to be replaced with "conclusion of a contract for specified deposit, etc. as defined in Article 13-4 of the Banking Act"; the term "financial instruments transaction contract" in these provisions (excluding Article 37-6, paragraph (3)) is deemed to be replaced with "contract for specified deposit, etc. as defined in Article 13-4 of the Banking Act"; the phrase "seeks to conclude" in Article 37-3, paragraph (1) of the Financial Instruments and Exchange Act is deemed to be replaced with "acts as agent or intermediary for the conclusion of"; the term "must be delivered" in that paragraph is deemed to be replaced with "in addition to delivery, in order to contribute to the protection of depositor, etc. (meaning depositors, etc. as defined in Article 2, paragraph (5) of the Banking Act; hereinafter the same applies in this paragraph), must provide the customer with information on the content of the specified deposit, etc. contract and other information that is to serve as a reference to the depositors, etc. in advance, pursuant to the provisions of Cabinet Office Order; the term "financial instruments business operator, etc." in Article 37-3, paragraph (1), item (i) of the Financial Instruments and Exchange Act is deemed to be replaced with "principal bank (meaning a principal bank as defined in Article 2, paragraph (16) of the Banking Act) on behalf of which the bank agent (meaning a bank agent as defined in Article 2, paragraph (15) of the Banking Act) is acting"; in Article 37-6, paragraph (3) of that Act, the phrase "If a financial instruments transaction contract becomes subject to a cancellation" is deemed to be replaced with "If a financial instruments business operator pays damages or other money to a bank for the cancellation of a contract for specified deposit, etc. (meaning a specified deposit, etc. contract prescribed in Article 13-4 of the Banking Act; the same applies in Article 39)" and the phrase "may not request the customer to pay damages or a penalty for the cancellation of that financial instruments transaction contract beyond the amount specified by Cabinet Office Order as the amount of fees, remuneration, or other consideration payable by the customer with regard to that financial instruments transaction contract (referred to as a "consideration" in the following paragraph) for the period until the cancellation of that financial instruments transaction contract" is deemed to be replaced with "may not request the customer to pay damages or a penalty in connection with that payment"; in Article 39, paragraph (1), item (i) of that Act, the phrase "a purchase and sale or other transaction of securities (excluding a purchase and sale with a repurchase requirement and a predetermined repurchase price, and other transactions specified by Cabinet Order) or a derivatives transaction (hereinafter collectively referred to as a "purchase and sale or other transaction of securities, etc." in this Article)" is deemed to be replaced with "the conclusion of a specified deposit, etc. contract", the phrase "securities or derivatives transaction (hereinafter referred to as 'securities, etc.' in this Article)" is deemed to be replaced with "specified deposit, etc. contract", the phrase "customer (if a trust company, etc. (meaning a trust company or a financial institution that has obtained the authorization referred to in Article 1, paragraph (1) of the Act on Engagement in Trust Business by Financial Institutions; the same applies hereinafter) conducts the purchase and sale of securities or a derivatives transaction on the account of a person that establishes a trust based on a trust contract, this includes the person that establishes the trust; hereinafter the same applies in this Article)" is deemed to be replaced with "customer", and the phrase "to supplement its profits" is deemed to be replaced with "to supplement its profits, without concluding the contract for specified deposit, etc."; in Article 39, paragraph (1), item (ii) of that Act, the term "a purchase and sale or other transaction of securities, etc." is deemed to be replaced with "the conclusion of a contract for specified deposit, etc.", the term "securities, etc." is deemed to be replaced with "contract for specified deposit, etc.", and the phrase "in order to add to" is deemed to be replaced with "in order to add to the profit that the customer has accrued in connection with those securities, etc., other than as under the contract for specified deposit, etc."; in item (iii) of that paragraph, the term "a purchase and sale or other transaction of securities, etc." is deemed to be replaced with "the entry into a contract for specified deposit, etc.", the term "securities, etc." is deemed to be replaced with " contract for specified deposit, etc." and the term "in order to add to" is deemed to be replaced with "in order to add to the profit that the customer has accrued in connection with those securities, etc., without concluding the contract for specified deposit, etc."; in paragraph (2) of that Article, the term "a purchase and sale or other transaction of securities, etc." is deemed to be replaced with "the conclusion of a contract for specified deposit, etc. "; in paragraph (3) of that Article, the phrase "which is specified by Cabinet Office Order as a potential cause of" is deemed to be replaced with "which is a potential cause of"; and any other necessary technical replacement of terms is specified by Cabinet Order.
(特定銀行代理業者の休日及び営業時間)
(Non-Business Days and Business Hours of Specified Bank Agents)
第五十二条の四十六特定銀行代理業者(特定銀行代理行為(内閣府令で定める預金の受入れを内容とする契約の締結の代理をいう。次条第一項において同じ。)を行う銀行代理業者をいう。次項及び同条において同じ。)の休日は、日曜日その他政令で定める日に限る。
Article 52-46(1)The non-business days of a specified bank agent (meaning a bank agent that conducts specified activities as a bank agent (to act as an agent in concluding contracts that concern the acceptance of deposits, as specified by Cabinet Office Order; the same applies in paragraph (1) of the following Article); the same applies in the following paragraph and that Article) are limited to Sundays and the other days specified by Cabinet Order.
特定銀行代理業者の営業時間は、金融取引の状況等を勘案して内閣府令で定める。
(2)The business hours of a specified bank agent are specified by Cabinet Office Order in consideration of the status of financial transactions.
(臨時休業等)
(Temporary Suspension of Business)
第五十二条の四十七特定銀行代理業者は、内閣府令で定める場合を除き、天災その他のやむを得ない理由によりその特定銀行代理行為に係る業務を行う営業所又は事務所において臨時に当該業務の全部又は一部を休止するときは、直ちにその旨を、理由を付して内閣総理大臣に届け出るとともに、当該営業所又は事務所の店頭に掲示しなければならない。特定銀行代理業者が臨時に当該業務の全部又は一部を休止した営業所又は事務所において当該業務の全部又は一部を再開するときも、同様とする。
Article 52-47(1)Except in the case specified by Cabinet Office Order, when a specified bank agent temporarily suspends all or part of services at its business office or other offices where services involved in specified activities as a bank agent is performed due to a natural disaster or for any other compelling reasons, the specified bank agent must immediately file a notification to that effect with the Prime Minister and give the reason for this, as well as post a sign to that effect at the business office or other offices. The same applies if the specified bank agent resumes all or part of its services at a business office or other offices in which it has temporarily suspended all or part of its services.
前項の規定にかかわらず、特定銀行代理業者の無人の営業所又は事務所において臨時にその業務の一部を休止する場合その他の内閣府令で定める場合については、同項の規定による店頭の掲示は、することを要しない。
(2)Notwithstanding the provisions of the preceding paragraph, the posting of a sign at the business office pursuant to the provisions of that paragraph is not required if a specified bank agent temporarily suspends part of its services at unmanned business offices or other unmanned offices, and in other cases specified by Cabinet Office Order.
(所属銀行の廃業等)
(Principal Bank's Discontinuation of Business)
第五十二条の四十八銀行代理業者は、所属銀行から第三十八条の通知を受けたときは、その通知を受けた内容を、内閣府令で定めるところにより、一月を下らない期間、当該所属銀行に係る銀行代理業を営むすべての営業所又は事務所の公衆の目につきやすい場所に掲示しなければならない。
Article 52-48When a bank agent receives a notification referred to in Article 38 from its principal bank, the bank agent must, pursuant to the provisions of Cabinet Office Order, post the content of the notification received in a place easily seen by the public at all of the business offices and other offices where it performs bank agency services for that principal bank, for a period of not less than one month.
第三節 経理
Section 3 Accounting
(銀行代理業に関する帳簿書類)
(Books and Documents Concerning Bank Agency Services)
第五十二条の四十九銀行代理業者は、内閣府令で定めるところにより、銀行代理業に関する帳簿書類を作成し、これを保存しなければならない。
Article 52-49A bank agent must prepare and preserve books and documents concerning bank agency services pursuant to the provisions of Cabinet Office Order.
(銀行代理業に関する報告書)
(Written Reports on Bank Agency Services)
第五十二条の五十銀行代理業者は、事業年度ごとに、内閣府令で定めるところにより、銀行代理業に関する報告書を作成し、内閣総理大臣に提出しなければならない。
Article 52-50(1)Each business year, a bank agent must prepare a written report on its bank agency services and submit it to the Prime Minister, pursuant to the provisions of Cabinet Office Order.
内閣総理大臣は、内閣府令で定めるところにより、前項の銀行代理業に関する報告書のうち、顧客の秘密を害するおそれのある事項又は当該銀行代理業者の業務の遂行上不当な不利益を与えるおそれのある事項を除き、公衆の縦覧に供しなければならない。
(2)Pursuant to the provisions of Cabinet Office Order, the Prime Minister must make a report on bank agency services referred to in the preceding paragraph available for public inspection, with the exception of particulars that could harm the confidentiality of customers or put a bank agent at an undue disadvantage in executing its services if made available for public inspection.
(所属銀行の説明書類等の縦覧)
(Public Inspection of Principal Bank's Explanatory Documents)
第五十二条の五十一銀行代理業者は、その所属銀行又は当該所属銀行を子会社とする銀行持株会社の事業年度ごとに、当該所属銀行が第二十条第一項及び第二項並びに第二十一条第一項及び第二項の規定により作成する書類又は当該所属銀行を子会社とする銀行持株会社が第五十二条の二十八第一項及び第五十二条の二十九第一項の規定により作成する書類を、当該所属銀行のために銀行代理業を営むすべての営業所又は事務所に備え置き、公衆の縦覧に供しなければならない。
Article 52-51(1)For each business year of a principal bank or of the bank holding company that has that principal bank as its subsidiary company, a bank agent must keep the documents that its principal bank prepares pursuant to the provisions of Article 20, paragraphs (1) and (2) and Article 21, paragraphs (1) and (2) or the documents that the bank holding company that has that principal bank as its subsidiary company prepares pursuant to the provisions of Article 52-28, paragraph (1) and Article 52-29, paragraph (1), at all of the business offices and other offices where the bank agent performs bank agency services for that principal bank, and make the documents available for public inspection.
前項に規定する説明書類が電磁的記録をもつて作成されているときは、銀行代理業を営むすべての営業所又は事務所において当該説明書類の内容である情報を電磁的方法により不特定多数の者が提供を受けることができる状態に置く措置として内閣府令で定めるものをとることができる。この場合においては、同項に規定する説明書類を公衆の縦覧に供したものとみなす。
(2)If the explanatory documents provided for in the preceding paragraph have been prepared as electronic or magnetic records, the bank agent may take a measure that is specified by Cabinet Office Order as a measure that uses electronic or magnetic means to make the information contained in the explanatory documents available to many and unspecified persons at all of their business offices or other offices that perform bank agency services. In such a case, the bank agent is deemed to have made the explanatory documents available for public inspection pursuant to the provisions of the preceding paragraph.
前二項に定めるもののほか、同項の書類を公衆の縦覧に供する期間その他同項の規定の適用に関し必要な事項は、内閣府令で定める。
(3)Beyond what is provided for in the provisions of the preceding two paragraphs, Cabinet Order prescribes the period of time during which the documents referred to in those paragraphs are made available for public inspection and other particulars necessary for applying the provisions of those paragraphs.
第四節 監督
Section 4 Supervision
(廃業等の届出)
(Notification of Business Discontinuance)
第五十二条の五十二銀行代理業者が次の各号のいずれかに該当することとなつたときは、当該各号に定める者は、その日から三十日以内に、その旨を内閣総理大臣に届け出なければならない。
Article 52-52If a bank agent comes to fall under any of the cases in the following items, the person specified in that item must file a notification to that effect with the Prime Minister, within 30 days from the day on which the bank agent came to fall under the case:
銀行代理業を廃止したとき、又は会社分割により銀行代理業の全部の承継をさせたとき、若しくは銀行代理業の全部の譲渡をしたとき その銀行代理業を廃止し、又は承継をさせ若しくは譲渡をした個人又は法人
(i)the bank agent discontinues bank agency services, has the whole bank agency services succeeded to in a company split, or transfers the whole bank agency services: the individual or corporation that has discontinued the bank agency services, has them succeeded to, or has transferred them;
銀行代理業者である個人が死亡したとき その相続人
(ii)the bank agent is an individual and that individual dies: the heir;
銀行代理業者である法人が合併により消滅したとき その法人を代表する役員であつた者
(iii)the bank agent is a corporation and that corporation ceases to exist due to a merger: the person that was the officer representing that corporation;
銀行代理業者である法人が破産手続開始の決定により解散したとき その破産管財人
(iv)the bank agent is a corporation and that corporation is dissolved due to an order commencing bankruptcy proceedings: the bankruptcy trustee;
銀行代理業者である法人が合併及び破産手続開始の決定以外の理由により解散したとき その清算人
(v)the bank agent is a corporation and that corporation is dissolved for reasons other than a merger or an order commencing bankruptcy proceedings: the liquidator; or
金融サービスの提供に関する法律第十二条(登録)の登録(預金等媒介業務(同法第十一条第二項(定義)に規定する預金等媒介業務をいう。以下この号及び第五十二条の六十の二第一項において同じ。)の種別に係るものに限る。)又は同法第十六条第一項(変更登録等)の変更登録(預金等媒介業務の種別の追加に係るものに限る。)を受けたとき 当該登録又は変更登録を受けた者
(vi)the bank agent obtains registration referred to in Article 12 (Registration) of the Act on the Provision of Financial Services (limited to one concerning the type of deposit, etc. intermediary business operations (meaning the deposit, etc. intermediary business operations as defined in Article 11, paragraph (2) (Definitions) of that Act; hereinafter the same applies in this item and Article 52-60-2, paragraph (1))) or obtains registration of change referred to in Article 16, paragraph (1) (Registration of Changes) of that Act (limited to one concerning the addition of the type of deposit, etc. intermediary business operations): the person that has obtained the registration or the registration of change.
(銀行代理業者による報告又は資料の提出)
(Making Reports or Submitting Materials by Bank Agents)
第五十二条の五十三内閣総理大臣は、銀行代理業者の銀行代理業の健全かつ適切な運営を確保するため必要があると認めるときは、当該銀行代理業者に対し、その業務又は財産の状況に関し報告又は資料の提出を求めることができる。
Article 52-53If the Prime Minister finds it to be necessary for ensuring the sound and appropriate management of bank agency services by a bank agent, the Prime Minister may ask the bank agent to make a report or submit materials on the status of their business or property.
(銀行代理業者に対する立入検査)
(On-Site Inspection of Bank Agents)
第五十二条の五十四内閣総理大臣は、銀行代理業者の銀行代理業の健全かつ適切な運営を確保するため必要があると認めるときは、当該職員に当該銀行代理業者の営業所若しくは事務所その他の施設に立ち入らせ、その業務若しくは財産の状況に関し質問させ、又は帳簿書類その他の物件を検査させることができる。
Article 52-54(1)If the Prime Minister finds it to be necessary for ensuring the sound and appropriate management of bank agency services by a bank agent, the Prime Minister may have relevant officials enter the business office, office, or other facilities of the bank agent, have those officials ask questions on the status of their business or property, and have them inspect the books, documents, and any other articles.
前項の場合において、当該職員は、その身分を示す証明書を携帯し、関係人の請求があつたときは、これを提示しなければならない。
(2)In the case referred to in the preceding paragraph, the relevant officials must carry an identification card, and must present it if a person concerned requests them to do so.
第一項の規定による権限は、犯罪捜査のために認められたものと解してはならない。
(3)The authority under paragraph (1) must not be construed as being granted for criminal investigation purposes.
(業務改善命令等)
(Business Improvement Orders)
第五十二条の五十五内閣総理大臣は、銀行代理業者の業務又は財産の状況に照らして、当該銀行代理業者の銀行代理業の健全かつ適切な運営を確保するため必要があると認めるときは、当該銀行代理業者に対し、その必要の限度において、業務の内容及び方法の変更その他監督上必要な措置を命ずることができる。
Article 52-55If the Prime Minister finds it to be necessary for ensuring the sound and appropriate management of bank agency services by a bank agent in light of the status of business or property of that bank agent, the Prime Minister may order the bank agent to change their business content or business methods and order other measures that are necessary for supervision, to the extent necessary.
(銀行代理業者に対する監督上の処分)
(Supervisory Dispositions for a Bank Agent)
第五十二条の五十六内閣総理大臣は、銀行代理業者が次の各号のいずれかに該当するときは、当該銀行代理業者に対し、第五十二条の三十六第一項の許可を取り消し、又は期限を付して銀行代理業の全部若しくは一部の停止を命ずることができる。
Article 52-56(1)If a bank agent falls under any of the following items, the Prime Minister may revoke the license referred to in Article 52-36, paragraph (1) or order it to suspend all or part of its bank agency services by setting a due date:
第五十二条の三十八第一項各号に掲げる基準に適合しなくなつたとき。
(i)the bank agent no longer meets the criteria set forth in the items of Article 52-38, paragraph (1);
不正の手段により第五十二条の三十六第一項の許可を受けたことが判明したとき。
(ii)it is discovered that the bank agent has obtained the license referred to in Article 52-36, paragraph (1) by wrongful means;
第五十二条の三十六第一項の許可に付した条件に違反したとき。
(iii)the bank agent violates the conditions attached to the license referred to in Article 52-36, paragraph (1);
法令又は法令に基づく内閣総理大臣の処分に違反したとき。
(iv)the bank agent violates laws and regulations or a disposition on laws and regulations by the Prime Minister; or
公益を害する行為をしたとき。
(v)the bank agent commits an act that harms the public interest.
内閣総理大臣は、銀行代理業者の役員が、前項第三号から第五号までのいずれかに該当することとなつたときは、当該銀行代理業者に対し当該役員の解任を命ずることができる。
(2)If an officer of a bank agent comes to fall under any of the items (iii) through (v) of the preceding paragraph, the Prime Minister may order the bank agent to dismiss that officer.
(許可の失効)
(Expiration of License)
第五十二条の五十七銀行代理業者が次の各号のいずれかに該当するときは、第五十二条の三十六第一項の許可は、効力を失う。
Article 52-57If a bank agent falls under any of the following items, the license referred to in Article 52-36, paragraph (1) ceases to be effective:
第五十二条の五十二各号のいずれかに該当することとなつたとき。
(i)the bank agent comes to fall under any of the items of Article 52-52;
所属銀行がなくなつたとき。
(ii)the bank agent no longer has a principal bank; or
当該許可を受けた日から六月以内に銀行代理業を開始しなかつたとき(やむを得ない理由がある場合において、あらかじめ内閣総理大臣の承認を受けたときを除く。)。
(iii)the bank agent fails to commence bank agency services within six months from the day on which it obtained the license (unless there are compelling reasons and the bank agent has obtained the approval of the Prime Minister in advance).
第五節 所属銀行等
Section 5 Principal Banks
(銀行代理業者に対する指導等)
(Guidance to Bank Agents)
第五十二条の五十八所属銀行は、銀行代理業者が営む銀行代理業に関し、内閣府令で定めるところにより、銀行代理業に係る業務の指導その他の健全かつ適切な運営を確保するための措置を講じなければならない。
Article 52-58(1)Pursuant to the provisions of Cabinet Office Order, a principal bank must give guidance on the services involved in bank agency services that its bank agent performs and take other measures to ensure sound and appropriate management of those services.
銀行代理業再委託者(銀行代理業を再委託する銀行代理業者をいう。以下同じ。)は、銀行代理業再受託者(銀行代理業再委託者の再委託を受けて銀行代理業を営む銀行代理業者をいう。以下同じ。)が営む銀行代理業に関し、内閣府令で定めるところにより、銀行代理業に係る業務の指導その他の健全かつ適切な運営を確保するための措置を講じなければならない。
(2)Pursuant to the provisions of Cabinet Office Order, a principal bank agent (meaning a bank agent that further entrusts another bank agent with bank agency services; the same applies hereinafter) must give guidance on the services involved in bank agency services that the secondary bank agent (meaning a bank agent that carries out bank agency services on re-entrustment from a principal bank agent; the same applies hereinafter) performs, and take other measures to ensure sound and appropriate management of those services.
(所属銀行等の賠償責任)
(Compensation Liability of Principal Banks)
第五十二条の五十九所属銀行は、銀行代理業者がその銀行代理行為について顧客に加えた損害を賠償する責任を負う。
Article 52-59(1)A principal bank is liable to compensate for any damage that its bank agent causes a customer in its activities as a bank agent.
前項の規定は、次に掲げる場合には、適用しない。
(2)The provisions of the preceding paragraph do not apply in the following cases:
所属銀行の委託を受けた銀行代理業者が行う銀行代理行為については、所属銀行が当該委託をするについて相当の注意をし、かつ、当該銀行代理業者が行う銀行代理行為について顧客に加えた損害の発生の防止に努めたとき。
(i)in respect of activities as a bank agent that the bank agent performs under entrustment by the principal bank, if the principal bank exercises due care in entrusting the bank agent with those activities and endeavors to prevent the occurrence of the damage that it causes to a customer in connection with the activities as a bank agent it performs; or
銀行代理業再受託者が行う銀行代理行為については、所属銀行が当該銀行代理業再受託者に対する再委託の許諾を行うについて相当の注意をし、かつ、当該銀行代理業再受託者の行う銀行代理行為について顧客に加えた損害の発生の防止に努めたとき。
(ii)in respect of activities as a bank agent that the secondary bank agent performs, if the principal bank exercises due care in giving permission on re-entrustment of those activities to the secondary bank agent and endeavors to prevent the occurrence of the damage that the secondary bank agent causes to a customer in connection with the activities as a bank agent it performs.
銀行代理業再委託者は、銀行代理業再受託者が行う銀行代理行為について顧客に加えた損害を賠償する責任を負う。ただし、当該銀行代理業再委託者が再委託をするについて相当の注意をし、かつ、当該銀行代理業再受託者の行う銀行代理行為について顧客に加えた損害の発生の防止に努めたときは、この限りでない。
(3)A principal bank agent is liable to compensate for any damage that its secondary bank agent causes a customer in its activities as a bank agent; provided, however, that this does not apply if the principal bank agent exercises due care in further entrusting the secondary bank agent with those activities and endeavors to prevent the occurrence of the damage that the secondary bank agent causes to the customer in connection with the activities as a bank agent it performs.
第一項の規定は所属銀行から銀行代理業者に対する求償権の行使を妨げず、また、前項の規定は銀行代理業再委託者から銀行代理業再受託者に対する求償権の行使を妨げない。
(4)The provisions of paragraph (1) do not preclude the principal bank from exercising its right of reimbursement against the bank agent, and the provisions of the preceding paragraph do not preclude the principal bank agent from exercising its right of reimbursement against the secondary bank agent.
民法第七百二十四条(不法行為による損害賠償請求権の消滅時効)及び第七百二十四条の二(人の生命又は身体を害する不法行為による損害賠償請求権の消滅時効)の規定は、第一項及び第三項の請求権について準用する。
(5)The provisions of Article 724 (Extinctive Prescription of Right to Demand Compensation for Damage Caused by a Tort) and Article 724-2 (Extinctive Prescription of Right to Demand Compensation for Damage Arising from Death or Personal Injury Caused by a Tort) of the Civil Code apply mutatis mutandis to the claim referred to in paragraph (1) or paragraph (3).
(銀行代理業者の原簿)
(Bank Agent Register)
第五十二条の六十所属銀行は、内閣府令で定めるところにより、当該所属銀行に係る銀行代理業者に関する原簿を、当該所属銀行の営業所(無人の営業所その他の内閣府令で定める営業所を除く。)に備え置かなければならない。
Article 52-60(1)Pursuant to the provisions of Cabinet Office Order, a principal bank must keep a register of its bank agents at its business offices (other than unmanned business offices and other business offices specified by Cabinet Office Order).
預金者等その他の利害関係人は、必要があるときは、所属銀行に対して、前項の原簿の閲覧を求めることができる。
(2)When it is necessary, a depositor, etc. or other interested persons may make a demand to inspect the register referred to in the preceding paragraph to the principal bank.
第六節 雑則
Section 6 Miscellaneous Provisions
(適用除外)
(Exclusion from Application)
第五十二条の六十の二第五十二条の三十六第一項の規定にかかわらず、銀行等(銀行その他政令で定める金融業を行う者をいい、金融サービスの提供に関する法律第十二条(登録)の登録(預金等媒介業務の種別に係るものに限る。)を受けている者を除く。以下この条において同じ。)は、銀行代理業を営むことができる。
Article 52-60-2(1)Notwithstanding the provisions of Article 52-36, paragraph (1), a bank, etc. (meaning a bank or a person engaged in financial services specified by Cabinet Order, and excluding a person that has obtained the registration (limited to one concerning the type of deposit, etc. intermediary business operations) referred to in Article 12 (Registration) of the Act on the Provision of Financial Services; hereinafter the same applies in this Article) may perform bank agency services.
銀行等が前項の規定により銀行代理業を営む場合においては、当該銀行等を銀行代理業者とみなして、第十三条の二、第二十四条、第二十五条、第三十八条、第四十八条、第五十二条の三十六第二項及び第三項、第五十二条の三十九(銀行が銀行代理業を営む場合においては、第一項を除く。)から第五十二条の四十一まで、第五十二条の四十三から第五十二条の五十六まで、前三条、第五十三条第四項、第五十六条(第十一号に係る部分に限る。)並びに第五十七条の七第二項の規定並びにこれらの規定に係る第九章及び第十章の規定を適用する。この場合において、第五十二条の五十六第一項中「次の各号のいずれか」とあるのは「第四号又は第五号」と、「第五十二条の三十六第一項の許可を取り消し、又は期限を付して銀行代理業の全部若しくは」とあるのは「期限を付して銀行代理業の全部又は」とするほか、必要な技術的読替えは、政令で定める。
(2)If a bank, etc. performs bank agency services pursuant to the provisions of the preceding paragraph, the bank, etc. is deemed to be a bank agent, and the provisions of Article 13-2, Article 24, Article 25, Article 38, Article 48, Article 52-36, paragraphs (2) and (3), Article 52-39 (excluding paragraph (1) if the bank performs bank agency services) through Article 52-41, Articles 52-43 through 52-56, the preceding three Articles, Article 53, paragraph (4), Article 56 (limited to the part related to item (xi)), Article 57-7, paragraph (2), and the provisions of Chapter IX and Chapter X related to those provisions apply. In such cases, in Article 52-56, paragraph (1), the term "any of the following items" is deemed to be replaced with "item (iv) or item (v)", the phrase "revoke the license referred to in Article 52-36, paragraph (1) or order it to suspend all or part of its bank agency services by setting a due date" is deemed to be replaced with "order it to suspend all or part of its bank agency services by setting a due date", and any other necessary technical replacement of terms is specified by Cabinet Order.
銀行等は、銀行代理業を営もうとするときは、第五十二条の三十七第一項各号に掲げる事項を記載した書類及び同条第二項第二号に掲げる書類を内閣総理大臣に届け出なければならない。
(3)A bank, etc. must submit documents stating the particulars set forth in the items of Article 52-37, paragraph (1) and the documents set forth in Article 52-37, paragraph (2), item (ii) with the Prime Minister when it seeks to engage in bank agency services.
第七章の五 電子決済等取扱業
Chapter VII-5 Electronic Payment Handling Services
第一節 通則
Section 1 General Rules
(登録)
(Registration)
第五十二条の六十の三内閣総理大臣の登録を受けた者は、第五十二条の三十六第一項の規定にかかわらず、電子決済等取扱業を営むことができる。
Article 52-60-3Notwithstanding the provisions of Article 52-36, paragraph (1), a person that is registered by the Prime Minister may engage in electronic payment handling services.
(登録の申請)
(Application for Registration)
第五十二条の六十の四前条の登録を受けようとする者(次条第二項及び第五十二条の六十の六において「登録申請者」という。)は、次に掲げる事項を記載した登録申請書を内閣総理大臣に提出しなければならない。
Article 52-60-4(1)A person that seeks to obtain the registration referred to in the preceding Article (referred to as a "applicant for registration" in paragraph (2) of the following Article and Article 52-60-6) must submit a written application for registration stating the following particulars to the Prime Minister:
商号及び住所
(i)the trade name and address;
資本金の額
(ii)the amount of stated capital;
電子決済等取扱業を営む営業所の名称及び所在地
(iii)the name and location of the business office where the applicant for registration conducts electronic payment handling services;
役員(外国電子決済等取扱業者にあつては、外国の法令上これと同様に取り扱われている者及び日本における代表者を含む。第五十二条の六十の六第一項第九号、第五十二条の六十の八第三項及び第五十二条の六十の二十三第三項において同じ。)の氏名
(iv)the names of the officers (if the applicant for registration is a foreign electronic payment handling service provider, including a person that is treated in the same manner under foreign laws and regulations and the representative in Japan; the same applies in Article 52-60-6, paragraph (1), item (ix), Article 52-60-8, paragraph (3), and Article 52-60-23, paragraph (3));
委託銀行の商号
(v)the trade name of the entrusting bank;
電子決済等取扱業の業務の内容及び方法
(vi)the business content and business methods related to electronic payment handling services; and
その他内閣府令で定める事項
(vii)other particulars specified by Cabinet Office Order.
前項の登録申請書には、次に掲げる書類を添付しなければならない。
(2)The following documents must be attached to the written application for registration referred to in the preceding paragraph:
第五十二条の六十の六第一項各号(第四号を除く。)のいずれにも該当しないことを誓約する書面
(i)a document in which the applicant for registration pledges that they do not fall under any of the items of Article 52-60-6, paragraph (1) (excluding item (iv));
定款及び登記事項証明書(これらに準ずるものを含む。)
(ii)the articles of incorporation and a certificate of registered information (or documents equivalent to them); and
その他内閣府令で定める書類
(iii)other documents specified by Cabinet Office Order.
(登録の実施)
(Implementing Registration)
第五十二条の六十の五内閣総理大臣は、第五十二条の六十の三の登録の申請があつたときは、次条第一項の規定により登録を拒否する場合を除くほか、次に掲げる事項を電子決済等取扱業者登録簿に登録しなければならない。
Article 52-60-5(1)If an application is filed for the registration referred to in Article 52-60-3, the Prime Minister must register the following particulars in the electronic payment handling service providers register, except when the Prime Minister refuses to register the applicant for registration pursuant to the provisions of paragraph (1) of the following Article:
前条第一項各号に掲げる事項
(i)the particulars set forth in the items of paragraph (1) of the preceding Article; and
登録年月日及び登録番号
(ii)the date of registration and the registration number.
内閣総理大臣は、前項の規定による登録をしたときは、遅滞なく、その旨を登録申請者に通知しなければならない。
(2)When the Prime Minister registers an applicant for registration pursuant to the provisions of the preceding paragraph, the Prime Minister must notify the applicant for registration to that effect without delay.
内閣総理大臣は、電子決済等取扱業者登録簿を公衆の縦覧に供しなければならない。
(3)The Prime Minister must make the electronic payment handling service providers register available for public inspection.
(登録の拒否)
(Refusal of Registration)
第五十二条の六十の六内閣総理大臣は、登録申請者が次の各号のいずれかに該当するとき、又は第五十二条の六十の四第一項の登録申請書若しくはその添付書類のうちに重要な事項について虚偽の記載があり、若しくは重要な事実の記載が欠けているときは、その登録を拒否しなければならない。
Article 52-60-6(1)The Prime Minister must refuse the registration of an applicant for registration if the applicant falls under any of the following items, or if a written application for registration referred to in Article 52-60-4, paragraph (1) or any attached document contains a false statement on material particulars or lacks a statement of material facts:
株式会社又は外国電子決済等取扱業者(国内に営業所を有する外国会社に限る。)でないもの
(i)a person other than a stock company or a foreign electronic payment handling service provider (limited to a foreign company that has a business office in Japan);
外国電子決済等取扱業者にあつては、日本における代表者(国内に住所を有するものに限る。)を定めていない法人
(ii)a foreign electronic payment handling service provider that is a corporation which does not have a representative in Japan (limited to a person who has an address in Japan);
電子決済等取扱業を適正かつ確実に遂行するために必要と認められる内閣府令で定める基準に適合する財産的基礎を有しない法人
(iii)a corporation that does not have a financial basis that satisfies the criteria specified by Cabinet Office Order as those found to be necessary for performing electronic payment handling services in a proper and reliable manner;
電子決済等取扱業を適正かつ確実に遂行する体制の整備が行われていない法人
(iv)a corporation that has not established a system for performing electronic payment handling services in a proper and reliable manner;
他の電子決済等取扱業者が現に用いている商号と同一の商号又は他の電子決済等取扱業者と誤認されるおそれのある商号を用いようとする法人
(v)a corporation which seeks to use a trade name that is the same as the one currently being used by another electronic payment handling service provider or that is likely to be mistaken for another electronic payment handling service provider;
次に掲げる処分を受け、その処分の日から五年を経過しない法人
(vi)a corporation subject to any of the following dispositions, and for which five years have not passed since the date of the disposition:
第五十二条の五十六第一項の規定による第五十二条の三十六第一項の許可の取消し
(a)a revocation of the license referred to in Article 52-36, paragraph (1) pursuant to the provisions of Article 52-56, paragraph (1);
農業協同組合法(昭和二十二年法律第百三十二号)第九十二条の四第一項において準用する第五十二条の五十六第一項の規定による同法第九十二条の二第一項の許可の取消し
(b)a revocation of the license referred to in Article 92-2, paragraph (1) of the Agricultural Cooperatives Act (Act No. 132 of 1947), which is made pursuant to the provisions of Article 52-56, paragraph (1) as applied mutatis mutandis pursuant to Article 92-4, paragraph (1) of that Act;
水産業協同組合法(昭和二十三年法律第二百四十二号)第百八条第一項(特定信用事業代理業に関する銀行法の準用)において準用する第五十二条の五十六第一項の規定による同法第百六条第一項(許可)の許可の取消し
(c)a revocation of the license referred to in Article 106, paragraph (1) (License) of the Fisheries Cooperative Act (Act No. 242 of 1948), which is made pursuant to the provisions of Article 52-56, paragraph (1) as applied mutatis mutandis pursuant to Article 108, paragraph (1) (Application, Mutatis Mutandis of the Banking Act to Specified Credit Business Agency Services) of that Act;
協同組合による金融事業に関する法律(昭和二十四年法律第百八十三号)第六条の四の二第一項(信用協同組合代理業者等についての銀行法の準用)において準用する第五十二条の五十六第一項の規定による同法第六条の三第一項(信用協同組合代理業の許可)の許可の取消し
(d)a revocation of the license referred to in Article 6-3, paragraph (1) (License for Agency Services for Credit Cooperatives) of the Act on Financial Businesses by Cooperative (Act No. 183 of 1949), which is made pursuant to the provisions of Article 52-56, paragraph (1) as applied mutatis mutandis pursuant to Article 6-4-2, paragraph (1) (Application, Mutatis Mutandis of the Banking Act to Credit Cooperative Agents) of that Act;
信用金庫法第八十九条第五項(銀行法の準用)において準用する第五十二条の五十六第一項の規定による同法第八十五条の二第一項(許可)の許可の取消し
(e)a revocation of the license referred to in Article 85-2, paragraph (1) (License) of the Shinkin Bank Act, which is made pursuant to the provisions of Article 52-56, paragraph (1) as applied mutatis mutandis pursuant to Article 89, paragraph (5) (Application, Mutatis Mutandis of the Banking Act) of that Act;
長期信用銀行法第十七条(銀行法の準用)において準用する第五十二条の五十六第一項の規定による同法第十六条の五第一項(長期信用銀行代理業の許可)の許可の取消し
(f)a revocation of the license referred to in Article 16-5, paragraph (1) (License for Agency Services for Long-Term Credit Bank) of the Long-Term Credit Bank Act, which is made pursuant to the provisions of Article 52-56, paragraph (1) as applied mutatis mutandis pursuant to Article 17 (Application, Mutatis Mutandis of the Banking Act) of that Act;
労働金庫法(昭和二十八年法律第二百二十七号)第九十四条第三項(銀行法の準用)において準用する第五十二条の五十六第一項の規定による同法第八十九条の三第一項(許可)の許可の取消し
(g)a revocation of the license referred to in Article 89-3, paragraph (1) (License) of the Labor Bank Act (Act No. 227 of 1953), which is made pursuant to the provisions of Article 52-56, paragraph (1) as applied mutatis mutandis pursuant to Article 94, paragraph (3) (Application, Mutatis Mutandis of the Banking Act) of that Act;
農林中央金庫法第九十五条の四第一項(農林中央金庫代理業に関する銀行法の準用)において準用する第五十二条の五十六第一項の規定による同法第九十五条の二第一項(許可)の許可の取消し
(h)a revocation of the license referred to in Article 95-2, paragraph (1) (License) of the Norinchukin Bank Act, which is made pursuant to the provisions of Article 52-56, paragraph (1) as applied mutatis mutandis pursuant to Article 95-4, paragraph (1) (Application, Mutatis Mutandis of the Banking Act to Norinchukin Bank Agency Services) of that Act;
第五十二条の六十の二十三第一項又は第三項の規定による第五十二条の六十の三の登録の取消し
(i)a revocation of the registration referred to in Article 52-60-3 pursuant to the provisions of Article 52-60-23, paragraph (1) or (3);
協同組合による金融事業に関する法律第六条の五第一項(信用協同組合電子決済等取扱業者等についての銀行法の準用)において準用する第五十二条の六十の二十三第一項又は第三項の規定による同法第六条の四の三第一項(信用協同組合電子決済等取扱業の登録)の登録の取消し
(j)a revocation of the registration referred to in Article 6-4-3, paragraph (1) (Registration of Electronic Payment Handling Services for Credit Cooperatives) of the Act on Financial Businesses by Cooperative, which is made pursuant to the provisions of Article 52-60-23, paragraph (1) or (3) as applied mutatis mutandis pursuant to Article 6-5, paragraph (1) (Application, Mutatis Mutandis of the Banking Act to Electronic Payment Handling Services for Credit Cooperatives) of that Act;
信用金庫法第八十九条第七項において準用する第五十二条の六十の二十三第一項又は第三項の規定による同法第八十五条の三第一項(登録)の登録の取消し
(k)a revocation of the registration referred to in Article 85-3, paragraph (1) (Registration) of the Shinkin Bank Act, which is made pursuant to the provisions of Article 52-60-23, paragraph (1) or (3) as applied mutatis mutandis pursuant to Article 89, paragraph (7) of that Act; or
この法律、農業協同組合法水産業協同組合法協同組合による金融事業に関する法律信用金庫法長期信用銀行法労働金庫法又は農林中央金庫法に相当する外国の法令の規定により当該外国において受けているイからルまでの許可又は登録と同種類の許可又は登録(当該許可又は登録に類するその他の行政処分を含む。)の取消し
(l)a revocation of the license or the registration that is the same kind as the licenses or registrations referred to in sub-items (a) through (k) which the applicant for registration has obtained in a foreign country pursuant to the provisions of the foreign laws and regulations that are equivalent to this Act, the Agricultural Cooperatives Act, Fisheries Cooperative Act, Act on Financial Businesses by Cooperative, Shinkin Bank Act, Long-Term Credit Bank Act, Labor Bank Act or Norinchukin Bank Act (including administrative dispositions similar to the license or the registration);
この法律、農業協同組合法水産業協同組合法協同組合による金融事業に関する法律信用金庫法長期信用銀行法労働金庫法農林中央金庫法その他政令で定める法律又はこれらに相当する外国の法令の規定に違反し、罰金の刑(これに相当する外国の法令による刑を含む。)に処せられ、その刑の執行を終わり、又はその刑の執行を受けることがなくなつた日から五年を経過しない法人
(vii)a corporation that has been sentenced to a fine (including an equivalent sentence under foreign laws and regulations) for violating the provisions of this Act, the Agricultural Cooperatives Act, Fisheries Cooperative Act, Act on Financial Businesses by Cooperative, Shinkin Bank Act, Long-Term Credit Bank Act, Labor Bank Act, Norinchukin Bank Act, or any other laws specified by Cabinet Order or for violating the provisions of foreign laws and regulations that are equivalent to those laws, and for which five years have not passed since the day on which the corporation finished serving the sentence or ceased to be subject to the sentence;
他に営む業務が公益に反すると認められる法人
(viii)a corporation which engages in another business that is found to be contrary to the public interest;
役員のうちに次のいずれかに該当する者のある法人
(ix)a corporation whose officers include a person that fall under any of the following persons:
心身の故障のため電子決済等取扱業に係る職務を適正に執行することができない者として内閣府令で定める者
(a)a person specified by Cabinet Office Order as being unable to properly perform duties related to electronic payment handling services due to mental or physical disorder;
破産手続開始の決定を受けて復権を得ない者又は外国の法令上これに相当する者
(b)a person subject to an order commencing bankruptcy proceedings and has not been released from bankruptcy proceedings, or a person equivalent to them under foreign laws and regulations;
拘禁刑以上の刑(これに相当する外国の法令による刑を含む。)に処せられ、その刑の執行を終わり、又はその刑の執行を受けることがなくなつた日から五年を経過しない者
(c)a person that has been sentenced to imprisonment or a heavier punishment (including an equivalent sentence under foreign laws and regulations), and for whom five years have not passed since the day on which the person finished serving the sentence, or ceased to be subject to the sentence;
法人が第六号イからヲまでに掲げる処分を受けた場合において、その処分の日前三十日以内にその法人の役員であつた者で、その処分の日から五年を経過しない者
(d)if a corporation was subject to one of the dispositions set forth in item (vi), sub-item (a) through (l), a person who was an officer of the corporation within 30 days prior to the date of the disposition, and for whom five years have not passed since the date of the disposition;
第六号イからチまで又はヲに掲げる処分を受けた場合において、その処分の日から五年を経過しない者
(e)a person that was subject to one of the dispositions set forth in item (vi), sub-items (a) through (h) or sub-item (l), and for whom five years have not passed since the date of the disposition; or
この法律、農業協同組合法水産業協同組合法協同組合による金融事業に関する法律信用金庫法長期信用銀行法労働金庫法農林中央金庫法その他政令で定める法律又はこれらに相当する外国の法令の規定に違反し、罰金の刑(これに相当する外国の法令による刑を含む。)に処せられ、その刑の執行を終わり、又はその刑の執行を受けることがなくなつた日から五年を経過しない者
(f)a person that has been sentenced to a fine (including an equivalent sentence under foreign laws and regulations) for violating the provisions of this Act, the Agricultural Cooperatives Act, Fisheries Cooperative Act, Act on Financial Businesses by Cooperative, Shinkin Bank Act, Long-Term Credit Bank Act, Labor Bank Act, Norinchukin Bank Act, or any other laws specified by Cabinet Order or for violating the provisions of foreign laws and regulations that are equivalent to those laws, and for whom five years have not passed since the day on which the person finished serving the sentence or ceased to be subject to the sentence;
内閣総理大臣は、前項の規定により登録を拒否したときは、遅滞なく、その理由を示して、その旨を登録申請者に通知しなければならない。
(2)If the Prime Minister refuses the registration pursuant to the provisions of the preceding paragraph, the Prime Minister must notify the applicant for registration to that effect by indicating the reason for the refusal, without delay.
(変更の届出)
(Notification of Changes)
第五十二条の六十の七電子決済等取扱業者は、第五十二条の六十の四第一項第五号又は第六号に掲げる事項のいずれかを変更しようとするとき(電子決済等取扱業の顧客の保護に欠け、又は電子決済等取扱業の適正かつ確実な遂行に支障を及ぼすおそれが少ない場合として内閣府令で定める場合を除く。)は、あらかじめ、その旨を内閣総理大臣に届け出なければならない。
Article 52-60-7(1)When seeking to change any of the particulars set forth in Article 52-60-4, paragraph (1), item (v) or (vi) (excluding cases specified by Cabinet Office Order as being less likely to result in insufficient protection of customers of electronic payment handling services or impair the proper and reliable performance of electronic payment handling services), an electronic payment handling service provider must file a notification to that effect with the Prime Minister in advance.
電子決済等取扱業者は、第五十二条の六十の四第一項各号に掲げる事項について変更があつたとき(前項の規定による届出をした場合を除く。)は、内閣府令で定める場合を除き、内閣府令で定めるところにより、その日から三十日以内に、その旨を内閣総理大臣に届け出なければならない。
(2)Except in the case specified by the Cabinet Office Order, if a particular set forth in any of the items of Article 52-60-4, paragraph (1) changes (excluding the case in which a notification pursuant to the provisions of the preceding paragraph is filed), the electronic payment handling service provider must file a notification to that effect with the Prime Minister pursuant to the provisions of Cabinet Office Order, within 30 days after the day on which the change occurred.
内閣総理大臣は、前二項の規定による届出を受理したときは、届出があつた事項を電子決済等取扱業者登録簿に登録しなければならない。
(3)Upon accepting the notification pursuant to the provisions of the preceding two paragraphs, the Prime Minister must register the particular that has been notified in the electronic payment handling service providers register.
(電子決済等取扱業に関する特例)
(Special Provisions on Electronic Payment Handling Services)
第五十二条の六十の八電子決済等取扱業者は、第五十二条の六十一の五第一項第一号ハからホまで及び第二号ロ(4)から(6)までに該当しない場合には、第五十二条の六十一の二の規定にかかわらず、委託銀行に預金の口座を開設している当該電子決済等取扱業者の電子決済等取扱業に係る顧客からの委託を受けて行うものに限り、当該委託銀行に係る電子決済等代行業を営むことができる。
Article 52-60-8(1)Notwithstanding the provisions of Article 52-61-2, if an electronic payment handling service provider does not fall under Article 52-61-5, paragraph (1), item (i), sub-items (c) through (e) and item (ii), sub-item (b), 4. through 6., the electronic payment handling service provider may engage in electronic payment services related to the entrusting bank only when they conduct the services upon entrustment by customers of the electronic payment handling services of the electronic payment handling service provider that have opened a deposit account with the entrusting bank.
電子決済等取扱業者が前項の規定により電子決済等代行業を営む場合にあつては、当該電子決済等取扱業者を電子決済等代行業者とみなして、第五十二条の六十一の四、第五十二条の六十一の六、第五十二条の六十一の七第一項(第二号を除く。)、第五十二条の六十一の八から第五十二条の六十一の十六まで、第五十二条の六十一の十七第一項、第五十二条の六十一の十九から第五十二条の六十一の三十まで、第五十三条第六項及び第五十六条(第二十一号及び第二十三号から第二十五号までに係る部分に限る。)の規定並びにこれらの規定に係る第九章の規定を適用する。この場合において、第五十二条の六十一の四第一項中「第五十二条の六十一の二の登録の申請があつたときは、次条第一項の規定により登録を拒否する場合を除くほか」とあるのは「第五十二条の六十の八第三項の規定による届出があつたときは」と、「電子決済等代行業者登録簿に登録し」とあるのは「名簿に登載し」と、同項第一号中「前条第一項各号に掲げる」とあるのは「商号、役員(外国電子決済等取扱業者にあつては、外国の法令上これと同様に取り扱われている者及び日本における代表者を含む。第五十二条の六十一の七第一項第三号において同じ。)の氏名、電子決済等代行業を営む営業所の名称及び所在地その他内閣府令で定める」と、同項第二号中「登録年月日及び登録番号」とあるのは「届出年月日及び届出受理番号」と、同条第二項中「登録を」とあるのは「登載を」と、「登録申請者」とあるのは「第五十二条の六十の八第三項の規定による届出をした者」と、同条第三項中「電子決済等代行業者登録簿」とあるのは「第一項の名簿」と、第五十二条の六十一の六第一項中「第五十二条の六十一の三第一項各号」とあるのは「第五十二条の六十一の四第一項第一号」と、同条第二項中「電子決済等代行業者登録簿に登録し」とあるのは「第五十二条の六十一の四第一項の名簿に登載し」と、第五十二条の六十一の七第一項第一号中「個人又は法人」とあるのは「法人」と、第五十二条の六十一の八第一項第一号中「商号、名称又は氏名」とあるのは「商号」と、同項第四号中「営業所又は事務所」とあり、及び第五十二条の六十一の十五第一項中「営業所若しくは事務所」とあるのは「営業所」と、第五十二条の六十一の十七第一項中「次の各号のいずれか」とあるのは「第三号」と、「第五十二条の六十一の二の登録を取り消し、又は六月以内の期間を定めて業務の全部若しくは」とあるのは「六月以内の期間を定めて電子決済等代行業の全部又は」と、第五十二条の六十一の三十中「外国法人又は外国に住所を有する個人」とあり、及び「外国法人又は個人」とあるのは「外国法人」とするほか、必要な技術的読替えは、政令で定める。
(2)If an electronic payment handling service provider engages in electronic payment services pursuant to the provisions of the preceding paragraph, the electronic payment handling service provider is deemed to be an electronic payment service provider, and the provisions of Article 52-61-4, Article 52-61-6, Article 52-61-7, paragraph (1) (excluding item (ii)), Articles 52-61-8 through 52-61-16, Article 52-61-17, paragraph (1), Articles 52-61-19 through 52-61-30, Article 53, paragraph (6), and Article 56 (limited to the parts related to item (xxi) and items (xxiii) through (xxv)) and the provisions of Chapter IX which are related to those provisions apply. In such a case, in Article 52-61-4, paragraph (1), the phrase "If an application is filed for a registration referred to in Article 52-61-2, ..., except when refusing to register the applicant pursuant to the provisions of paragraph (1) of the following Article" is deemed to be replaced with "If a notification under Article 52-60-8, paragraph (3) is filed," and the phrase "register the following particulars in the electronic payment service providers register" is deemed to be replaced with "record the following particulars in the register"; the phrase "particulars set forth in the items of paragraph (1) of the preceding Article" in item (i) of that paragraph is deemed to be replaced with "trade name, names of officers (in the case of a foreign electronic payment handling service provider, including a person that is treated in the same manner under foreign laws and regulations and its representative in Japan; the same applies in Article 52-61-7, paragraph (1), item (iii)), the name and location of the business office in which electronic payment services are conducted, and other particulars specified by Cabinet Office Order"; the term "date of registration and the registration number" in item (ii) of that paragraph is deemed to be replaced with "date of notification and the notification acceptance number"; in paragraph (2) of that Article, the term "registers" is deemed to be replaced with "enters," and the term "applicant for registration" is deemed to be replaced with "person who has filed a notification under the provisions of Article 52-60-8, paragraph (3)"; the term "electronic payment service providers register" in paragraph (3) of that Article is deemed to be replaced with "register referred to in paragraph (1)"; the term "any of the items of Article 52-61-3, paragraph (1)" in Article 52-61-6, paragraph (1) is deemed to be replaced with "Article 52-61-4, paragraph (1), item (i)"; "register...in the electronic payment service providers register" in paragraph (2) of that Article is deemed to be replaced with "enter...in the register referred to in Article 52-61-4, paragraph (1)"; the term "individual or corporation" in Article 52-61-7, paragraph (1), item (i) is deemed to be replaced with "corporation"; the term "trade name or name" in Article 52-61-8, paragraph (1), item (i) is deemed to be replaced with "trade name"; the term "business office or office" in item (iv) of that paragraph and the term "business office or office" in Article 52-61-15, paragraph (1) are deemed to be replaced with "business office"; in Article 52-61-17, paragraph (1), the term "any of the following items" is deemed to be replaced with "item (iii)," and the term "revoke the registration under Article 52-61-2, or order the suspension of all or a part of its business during a designated period of no longer than six months" is deemed to be replaced with "order the suspension of all or a part of its electronic payment services during a designated period of no longer than six months"; and the phrase "foreign corporation or an individual who has an address in a foreign country" and the term "foreign corporation or individual" in Article 52-61-30 are deemed to be replaced with "foreign corporation"; and any other necessary technical replacement of terms is specified by Cabinet Order.
電子決済等取扱業者は、第一項の規定により電子決済等代行業を営もうとするときは、その商号、役員の氏名、電子決済等代行業を営む営業所の名称及び所在地その他内閣府令で定める事項を記載した書類、第五十二条の六十一の三第二項第三号に掲げる書類、第五十二条の六十一の五第一項第一号ハからホまで及び第二号ロ(4)から(6)までに該当しないことを誓約する書面その他内閣府令で定める書類を内閣総理大臣に届け出なければならない。
(3)When an electronic payment handling service provider seeks to engage in electronic payment services pursuant to the provisions of paragraph (1), the electronic payment handling service provider must submit documents stating their trade name, names of the officers, the name and location of the business office where they conduct electronic payment services, and other particulars specified by Cabinet Office Order, documents set forth in Article 52-61-3, paragraph (2), item (iii), a document in which the electronic payment handling service provider pledges that they do not fall under Article 52-61-5, paragraph (1), item (i), sub-items (c) through (e) and item (ii), sub-item (b), 4. through 6., and other documents specified by Cabinet Office Order to the Prime Minister.
(標識の掲示等)
(Posting of Signs)
第五十二条の六十の九電子決済等取扱業者は、電子決済等取扱業を営む営業所ごとに、公衆の見やすい場所に、内閣府令で定める様式の標識を掲示しなければならない。
Article 52-60-9(1)An electronic payment handling service provider must post a sign in the form specified by Cabinet Office Order in a place that is easily seen by the public at each of their business offices where the electronic payment handling service provider performs electronic payment handling services.
電子決済等取扱業者は、インターネットを利用する方法その他の内閣府令で定める方法により、商号その他内閣府令で定める事項を公表しなければならない。
(2)An electronic payment handling service provider must publicize their trade name and other particulars specified by Cabinet Office Order by using the internet or by other means specified by Cabinet Office Order.
電子決済等取扱業者以外の者は、第一項の標識又はこれに類似する標識を掲示してはならない。
(3)It is prohibited for a person other than an electronic payment handling service provider to post the sign referred to in paragraph (1) or a sign similar thereto.
(名義貸しの禁止)
(Prohibition on Lending One's Name)
第五十二条の六十の十電子決済等取扱業者は、自己の名義をもつて、他人に電子決済等取扱業を営ませてはならない。
Article 52-60-10An electronic payment handling service provider must not have another person engage in electronic payment handling services using their name.
第二節 業務
Section 2 Services
(顧客に対する説明等)
(Explanation to Customers)
第五十二条の六十の十一電子決済等取扱業者は、第二条第十七項各号に掲げる行為を行うときは、内閣府令で定める場合を除き、あらかじめ、顧客に対し、次に掲げる事項を明らかにしなければならない。
Article 52-60-11(1)When engaging in an action set forth in any of the items of Article 2, paragraph (17), an electronic payment handling service provider must explain the following particulars to customers in advance, except in the case specified by Cabinet Office Order:
電子決済等取扱業者の商号及び住所
(i)the trade name and address of the electronic payment handling service provider;
電子決済等取扱業者の権限に関する事項
(ii)particulars concerning the authority of the electronic payment handling service provider;
電子決済等取扱業者の損害賠償に関する事項
(iii)particulars concerning compensation for damage by the electronic payment handling service provider;
電子決済等取扱業に関する顧客からの苦情又は相談に応ずる営業所の連絡先
(iv)the contact information of the business office that handles complaints from or provides consultations to customers on electronic payment handling services;
委託銀行の商号
(v)the trade name of the entrusting bank; and
その他内閣府令で定める事項
(vi)other particulars specified by Cabinet Office Order.
電子決済等取扱業者は、電子決済等取扱業に関し、内閣府令で定めるところにより、電子決済等取扱業と銀行が営む業務との誤認を防止するための情報の顧客への提供、電子決済等取扱業に関して取得した顧客に関する情報の適正な取扱い及び安全管理、電子決済等取扱業の業務の一部を第三者に委託する場合における当該業務の的確な遂行その他の健全かつ適切な運営を確保するための措置を講じなければならない。
(2)An electronic payment handling service provider, pursuant to the provisions of Cabinet Office Order, must take measures of providing customers with information to prevent them from mistaking electronic payment handling services for the services conducted by banks, for ensuring the proper handling and safe control of the information on customers that the electronic payment handling service provider has acquired in connection with the electronic payment handling services, for ensuring the precise execution of electronic payment handling services when the electronic payment handling service provider entrusts a part of the services to a third party, and take other measures for ensuring the sound and appropriate management of electronic payment handling services.
(電子決済等取扱業者の誠実義務)
(Duty of Good Faith of Electronic Payment Handling Service Providers)
第五十二条の六十の十二電子決済等取扱業者は、顧客のため誠実にその業務を遂行しなければならない。
Article 52-60-12An electronic payment handling service provider must perform their services on behalf of its customers in good faith.
(金銭等の預託の禁止)
(Prohibition on Deposit of Money)
第五十二条の六十の十三電子決済等取扱業者は、いかなる名目によるかを問わず、その営む電子決済等取扱業に関して、顧客から金銭その他の財産の預託を受け、又は当該電子決済等取扱業者と密接な関係を有する者として政令で定める者に顧客の金銭その他の財産を預託させてはならない。ただし、顧客の保護に欠けるおそれが少ない場合として内閣府令で定める場合は、この限りでない。
Article 52-60-13An electronic payment handling service provider must not, for any reason, receive a deposit of money or other property from a customer, or have a person specified by Cabinet Order as having a close relationship with that electronic payment handling service provider deposit a customer's money or other property, in connection with the electronic payment handling services they provide; provided, however, that this does not apply in cases specified by Cabinet Office Order as being less likely to result in insufficient customer protection.
(委託銀行との契約締結義務)
(Obligation to Conclude Contracts with an Entrusting Bank)
第五十二条の六十の十四電子決済等取扱業者は、電子決済等取扱業を営む場合には、委託銀行との間で、顧客に損害が生じた場合における当該損害についての当該委託銀行と当該電子決済等取扱業者との賠償責任の分担に関する事項その他の内閣府令で定める事項を定めた電子決済等取扱業に係る契約を締結し、これに従つて当該委託銀行に係る電子決済等取扱業を営まなければならない。
Article 52-60-14When engaging in electronic payment handling services, an electronic payment handling service provider must conclude a contract with an entrusting bank for electronic payment handling services in which particulars for sharing the liability to compensate for damages incurred by customers between the entrusting bank and the electronic payment handling service provider and other particulars specified by Cabinet Office Order are provided for, and conduct electronic payment handling services related to that entrusting bank in accordance with the contract.
(指定電子決済等取扱業務紛争解決機関との契約締結義務等)
(Obligation to Conclude a Contract with a Designated Dispute Resolution Organization for Electronic Payment Handling Services)
第五十二条の六十の十五電子決済等取扱業者は、次の各号に掲げる場合の区分に応じ、当該各号に定める措置を講じなければならない。
Article 52-60-15(1)An electronic payment handling service provider must take the measures specified in the following items in accordance with the category of the cases set forth in each of those items:
指定電子決済等取扱業務紛争解決機関(指定紛争解決機関であつてその紛争解決等業務の種別が電子決済等取扱業務であるものをいう。以下この条において同じ。)が存在する場合 一の指定電子決済等取扱業務紛争解決機関との間で手続実施基本契約を締結する措置
(i)if there is a designated dispute resolution organization for electronic payment handling services (meaning a designated dispute resolution organization for which the type of dispute resolution services is electronic payment handling services; hereinafter the same applies in this Article): measures of concluding a basic contract for the implementation of dispute resolution procedures with a single designated dispute resolution organization for electronic payment handling services; and
指定電子決済等取扱業務紛争解決機関が存在しない場合 電子決済等取扱業務に関する苦情処理措置(顧客からの苦情の処理の業務に従事する使用人その他の従業者に対する助言若しくは指導を第五十二条の七十三第三項第三号に掲げる者に行わせること又はこれに準ずるものとして内閣府令で定める措置をいう。)及び紛争解決措置(顧客との紛争の解決を認証紛争解決手続(裁判外紛争解決手続の利用の促進に関する法律第二条第三号(定義)に規定する認証紛争解決手続をいう。)により図ること又はこれに準ずるものとして内閣府令で定める措置をいう。)
(ii)if there is no designated dispute resolution organization for electronic payment handling services: complaint processing measures (meaning the measures for having a person set forth in Article 52-73, paragraph (3), item (iii) provide advice or guidance to the employee or any other workers engaged in the work of processing complaints from customers or any other measures specified by Cabinet Office Order as being equivalent to them) and dispute resolution measures (meaning the measures for resolving a dispute with customers through certified dispute resolution procedures (certified dispute resolution procedures as defined in Article 2, item (iii) (Definitions) of the Act on Promotion of Use of Alternative Dispute Resolution) or any other measures specified by Cabinet Office Order as being equivalent to them), in connection with electronic payment handling services.
電子決済等取扱業者は、前項の規定により手続実施基本契約を締結する措置を講じた場合には、当該手続実施基本契約の相手方である指定電子決済等取扱業務紛争解決機関の商号又は名称を公表しなければならない。
(2)If an electronic payment handling service provider takes measures of concluding a basic contract for the implementation of dispute resolution procedures pursuant to the provisions of the preceding paragraph, the service provider must publicize the trade name or name of the designated dispute resolution organization for electronic payment handling services that is the other party to the basic contract for the implementation of dispute resolution procedures.
第一項の規定は、次の各号に掲げる場合の区分に応じ、当該各号に定める期間においては、適用しない。
(3)The provisions of paragraph (1) do not apply to the period specified in the following items, in accordance with the category of cases set forth in each of those items:
第一項第一号に掲げる場合に該当していた場合において、同項第二号に掲げる場合に該当することとなつたとき 第五十二条の八十三第一項の規定による紛争解決等業務の廃止の認可又は第五十二条の八十四第一項の規定による指定の取消しの時に、同号に定める措置を講ずるために必要な期間として内閣総理大臣が定める期間
(i)a case that had fallen under the category of the case set forth in paragraph (1), item (i), which has come to fall under the category of the case set forth in item (ii) of that paragraph: the period that the Prime Minister specifies as the period necessary for taking the measures specified in paragraph (1), item (ii) at the time of granting the authorization to discontinue dispute resolution services pursuant to the provisions of Article 52-83, paragraph (1) or of revoking the designation pursuant to the provisions of Article 52-84, paragraph (1);
第一項第一号に掲げる場合に該当していた場合において、同号の一の指定電子決済等取扱業務紛争解決機関の紛争解決等業務の廃止が第五十二条の八十三第一項の規定により認可されたとき、又は同号の一の指定電子決済等取扱業務紛争解決機関の第五十二条の六十二第一項の規定による指定が第五十二条の八十四第一項の規定により取り消されたとき(前号に掲げる場合を除く。) その認可又は取消しの時に、第一項第一号に定める措置を講ずるために必要な期間として内閣総理大臣が定める期間
(ii)a case that had fallen under the category of the case set forth in paragraph (1), item (i), in which the discontinuation of the dispute resolution services of the single designated dispute resolution organization for electronic payment handling services referred to in that item has been authorized pursuant to the provisions of Article 52-83, paragraph (1), or the designation pursuant to the provisions of Article 52-62, paragraph (1) of the single designated dispute resolution organization for electronic payment handling services referred to in that item has been revoked pursuant to the provisions of Article 52-84, paragraph (1) (excluding the cases set forth in the preceding item): the period that the Prime Minister specifies as the period necessary for taking the measures specified in paragraph (1), item (i) at the time of granting the authorization or making the revocation; and
第一項第二号に掲げる場合に該当していた場合において、同項第一号に掲げる場合に該当することとなつたとき 第五十二条の六十二第一項の規定による指定の時に、同号に定める措置を講ずるために必要な期間として内閣総理大臣が定める期間
(iii)a case that had fallen under the category of the case set forth in paragraph (1), item (ii), which has come to fall under the category of the case set forth in item (i) of that paragraph: the period that the Prime Minister specifies as the period necessary for taking the measures specified in paragraph (1), item (i) at the time of making the designation pursuant to the provisions of Article 52-62, paragraph (1).
(電子決済等取扱業に係る禁止行為)
(Prohibited Actions Concerning Electronic Payment Handling Services)
第五十二条の六十の十六電子決済等取扱業者は、電子決済等取扱業に関し、次に掲げる行為(特定預金等契約に係る電子決済等関連預金媒介業務に関しては、第三号に掲げる行為を除く。)をしてはならない。
Article 52-60-16An electronic payment handling service provider must not perform any of the following actions (excluding the action set forth in item (iii) for electronic payment-related deposit intermediary services under a contract of specified deposit, etc.) concerning their electronic payment handling services:
顧客に対し、虚偽のことを告げる行為
(i)conveying false information to a customer;
顧客に対し、不確実な事項について断定的判断を提供し、又は確実であると誤認させるおそれのあることを告げる行為
(ii)providing a customer with a conclusive assessment on a matter that is uncertain or with information that could mislead the customer into believing that an uncertain matter is actually certain;
前二号に掲げるもののほか、顧客の保護に欠け、又は委託銀行の業務の健全かつ適切な遂行に支障を及ぼすおそれがあるものとして内閣府令で定める行為
(iii)beyond what is set forth in the preceding two items, an action specified by Cabinet Office Order as being likely to result in insufficient customer protection or to impair the sound and appropriate performance of the services of the entrusting bank.
金融商品取引法の準用)
(Application, Mutatis Mutandis of the Financial Instruments and Exchange Act)
第五十二条の六十の十七金融商品取引法第三章第一節第五款(第三十四条の二第六項から第八項まで(特定投資家が特定投資家以外の顧客とみなされる場合)並びに第三十四条の三第五項及び第六項(特定投資家以外の顧客である法人が特定投資家とみなされる場合)を除く。)(特定投資家)、同章第二節第一款(第三十五条から第三十六条の四まで(第一種金融商品取引業又は投資運用業を行う者の業務の範囲、第二種金融商品取引業又は投資助言・代理業のみを行う者の兼業の範囲、業務管理体制の整備、顧客に対する誠実義務、標識の掲示、名義貸しの禁止、社債の管理の禁止等)、第三十七条の二(取引態様の事前明示義務)、第三十七条の三第一項第六号及び第三項(契約締結前の書面の交付)、第三十七条の五(保証金の受領に係る書面の交付)、第三十七条の六第一項、第二項、第四項ただし書及び第五項(書面等による解除)、第三十七条の七(指定紛争解決機関との契約締結義務等)、第三十八条第一号、第二号、第七号及び第八号並びに第三十八条の二(禁止行為)、第三十九条第三項ただし書、第四項、第六項及び第七項(損失補填等の禁止)並びに第四十条の二から第四十条の七まで(最良執行方針等、分別管理が確保されていない場合の売買等の禁止、金銭の流用が行われている場合の募集等の禁止、特定投資家向け有価証券の売買等の制限、特定投資家向け有価証券に関する告知義務、のみ行為の禁止、店頭デリバティブ取引に関する電子情報処理組織の使用義務等)を除く。)(通則)及び第四十五条(第三号及び第四号を除く。)(雑則)の規定は、特定預金等契約に係る電子決済等関連預金媒介業務を行う電子決済等取扱業者について準用する。この場合において、これらの規定(同法第三十四条及び第三十七条の六第三項の規定を除く。)中「金融商品取引契約」とあるのは「特定預金等契約」と、同法第三十四条中「顧客を相手方とし、又は顧客のために金融商品取引行為(第二条第八項各号に掲げる行為をいう。以下同じ。)を行うことを内容とする契約(以下「金融商品取引契約」という」とあるのは「特定預金等契約(銀行法第十三条の四に規定する特定預金等契約をいう。以下同じ」と、「同条第三十一項第四号」とあるのは「第二条第三十一項第四号」と、「金融商品取引契約と同じ金融商品取引契約」とあるのは「特定預金等契約と同じ特定預金等契約」と、「金融商品取引契約を過去」とあるのは「特定預金等契約の締結の媒介を過去」と、「締結した」とあるのは「行つた」と、「金融商品取引契約を締結する」とあるのは「特定預金等契約の締結の媒介を行う」と、同法第三十四条の二第二項中「又は締結」とあるのは「又は媒介」と、同条第三項第三号中「締結をする」とあるのは「媒介を行う」と、同条第五項第二号中「締結する」とあるのは「締結の媒介を行う」と、同法第三十四条の三第二項第二号中「締結をする」とあるのは「媒介を行う」と、同項第四号イ中「と対象契約」とあるのは「の媒介により対象契約」と、同項第五号及び第六号中「締結をする」とあるのは「媒介を行う」と、同条第四項第二号中「締結する」とあるのは「締結の媒介を行う」と、同条第十項及び同法第三十四条の四第五項中「又は締結」とあるのは「又は媒介」と、同法第三十七条第一項第一号中「商号、名称又は氏名」とあるのは「商号」と、同条第二項中「金融商品取引行為を行う」とあるのは「特定預金等契約を締結する」と、同法第三十七条の三第一項中「を締結しようとする」とあるのは「の締結の媒介を行う」と、「交付しなければ」とあるのは「交付するほか、顧客の保護に資するため、内閣府令で定めるところにより、当該特定預金等契約の内容その他顧客に情報の提供を行わなければ」と、同項第一号中「の商号、名称又は氏名」とあるのは「及び当該特定預金等契約に係る委託銀行(銀行法第二条第十七項第二号に規定する委託銀行をいう。第三十七条の六第三項において同じ。)の商号」と、同項第五号中「行う金融商品取引行為」とあるのは「締結する特定預金等契約」と、同法第三十七条の六第三項中「第一項の規定」とあるのは「顧客からの申出」と、「金融商品取引契約の解除があつた場合には」とあるのは「特定預金等契約の解除に伴い委託銀行に損害賠償その他の金銭の支払をした場合において」と、「金融商品取引契約の解除までの期間に相当する手数料、報酬その他の当該金融商品取引契約に関して顧客が支払うべき対価(次項において「対価」という。)の額として内閣府令で定める金額を超えて当該金融商品取引契約の解除」とあるのは「支払」と、「又は違約金の支払を」とあるのは「その他の金銭の支払を、当該顧客に対し、」と、同条第四項中「第一項の規定」とあるのは「顧客からの申出」と、「顧客」とあるのは「当該顧客」と、同法第三十九条第一項第一号中「有価証券の売買その他の取引(買戻価格があらかじめ定められている買戻条件付売買その他の政令で定める取引を除く。)又はデリバティブ取引(以下この条において「有価証券売買取引等」という。)」とあるのは「特定預金等契約の締結」と、「有価証券又はデリバティブ取引(以下この条において「有価証券等」という。)」とあるのは「特定預金等契約」と、「顧客(信託会社等(信託会社又は金融機関の信託業務の兼営等に関する法律第一条第一項の認可を受けた金融機関をいう。以下同じ。)が、信託契約に基づいて信託をする者の計算において、有価証券の売買又はデリバティブ取引を行う場合にあつては、当該信託をする者を含む。以下この条において同じ。)」とあるのは「顧客」と、「補足するため」とあるのは「補足するため、当該特定預金等契約によらないで」と、同項第二号中「有価証券売買取引等」とあるのは「特定預金等契約の締結」と、「有価証券等」とあるのは「特定預金等契約」と、「追加するため」とあるのは「追加するため、当該特定預金等契約によらないで」と、同項第三号中「有価証券売買取引等」とあるのは「特定預金等契約の締結」と、「有価証券等」とあるのは「特定預金等契約」と、「追加するため、」とあるのは「追加するため、当該特定預金等契約によらないで」と、同条第二項各号中「有価証券売買取引等」とあるのは「特定預金等契約の締結」と、同条第三項中「原因となるものとして内閣府令で定めるもの」とあるのは「原因となるもの」と、同法第四十条第一号中「金融商品取引行為」とあるのは「特定預金等契約の締結」と、同法第四十五条第二号中「第三十七条の二から第三十七条の六まで、第四十条の二第四項及び第四十三条の四」とあるのは「第三十七条の三(第一項の書面の交付に係る部分に限り、同項第六号及び第三項を除く。)、第三十七条の四並びに第三十七条の六第三項及び第四項(ただし書を除く。)」と、「締結した」とあるのは「締結の媒介を行つた」と読み替えるものとするほか、必要な技術的読替えは、政令で定める。
Article 52-60-17The provisions of Chapter III, Section 1, Subsection 5 of the Financial Instruments and Exchange Act (excluding the provisions of Article 34-2, paragraphs (6) through (8) (Cases in Which a Professional Investor Is Deemed to Be a Customer Other Than a Professional Investor), and Article 34-3, paragraphs (5) and (6) (When a Customer Other than a Professional Investor Is a Corporation and That Corporation Is Deemed to Be a Professional Investor)) (Professional Investors), Section 2, Subsection 1 of that Chapter (Articles 35 to 36-4 (Scope of Services for Persons Engaged in Type-I Financial Instruments Business or Investment Management Business; Scope of Concurrent Business by Persons That Only Engage in Type-II Financial Instruments Business or Investment Advisory and Agency Business; Establishment of an Operational Control System; Duty of Sincerity to Customers, Posting Signs, Prohibition on Lending One's Name, and Prohibition on Corporate Bond Management), Article 37-2 (Obligation to Clarify the Conditions of Transactions in Advance), Article 37-3, paragraph (1), item (vi) and paragraph (3) (Delivery of Documents Prior to the Conclusion of a Contract), Article 37-5 (Delivery of Documents in Connection with the Receipt of a Security Deposit), Article 37-6, paragraph (1), paragraph (2), the proviso to paragraph (4), and paragraph (5) (Written Cancellation); Article 37-7 (Obligation to Conclude a Contract with a Designated Dispute Resolution Organization); Article 38, items (i), (ii), (vii) and (viii), Article 38-2 (Prohibited Actions); the proviso to Article 39, paragraph (3), and paragraphs (4), (6) and (7) of that Article (Prohibition on Compensation of Loss); Articles 40-2 through 40-7 (excluding Best Execution Policy; Prohibition of Purchase and Sale If Separate Management Is Not Ensured; Prohibition of Public Offering If Money Has Been Diverted; Restrictions on the Purchase and Sale of Securities for Professional Investors; Obligation to Notify in Connection with Securities for Professional Investors; Prohibition of Trading Against Self; Obligation to Use an Electronic Data Processing System for Over-the-Counter Transactions of Derivatives)) (General Rules); and provisions of Article 45 (excluding items (iii) and (iv)) (Miscellaneous Provisions) of the Financial Instruments and Exchange Act apply mutatis mutandis to an electronic payment handling service provider engaging in electronic payment-related deposit intermediary services concerning a contract of specified deposit, etc. In such cases, the term "financial instruments transaction contract" in these provisions (excluding the provisions of Article 34 and Article 37-6, paragraph (3) of that Act) is deemed to be replaced with "contract for specified deposit, etc."; in Article 34 of that Act, the phrase "contract for the financial instruments business operator, etc. to perform an action that constitutes a financial instruments transaction (meaning an act as defined in the items of Article 2, paragraph (8); the same applies hereinafter) with the customer as the other party or on behalf of the customer (hereinafter the contract is referred to as a "financial instruments transaction contract")" is deemed to be replaced with "contract for specified deposit, etc. (meaning a contract for specified deposit, etc. prescribed in Article 13-4 of the Banking Act; the same applies hereinafter," the phrase "paragraph (31), item (iv) of that Article" is deemed to be replaced with "Article 2, paragraph (31), item (iv)", the phrase "financial instruments transaction contract...the same contract type as the financial instruments transaction contract" is deemed to be replaced with "contract for specified deposit, etc. ... the same contract type as the contract for specified deposit, etc.", the phrase "has never in the past concluded a financial instruments transaction contract" is deemed to be replaced with "has never in the past provided intermediary services for concluding a contract for specified deposit, etc.", and the phrase "concluding the financial instruments transaction contract" is deemed to be replaced with "providing intermediary services for concluding a contract for specified deposit, etc."; the term "or concludes" in Article 34-2, paragraph (2) of that Act is deemed to be replaced with "or provides intermediary services for"; the phrase "or concludes" in paragraph (3), item (iii) of that Article is deemed to be replaced with "or provides intermediary services for"; the term "concludes" in paragraph (5), item (ii) of that Article is deemed to be replaced with "or provides intermediary services for concluding"; the term "concluding" in Article 34-3, paragraph (2), item (ii) of that Act is deemed to be replaced with "providing intermediary services for"; the term "subject contract with" in item (iv), sub-item (a) of that paragraph is deemed to be replaced with "subject contract through the intermediary services of"; the term "concluding" in items (v) and (vi) of that paragraph is deemed to be replaced with "providing intermediary services for"; the term "concludes" in paragraph (4), item (ii) is deemed to be replaced with "provides intermediary services for concluding"; the term "or concludes" in paragraph (10) and Article 34-4, paragraph (5) is deemed to be replaced with "or provides intermediary services for"; the term "trade name or name" in Article 37, paragraph (1), item (i) of that Act is deemed to be replaced with "trade name"; the phrase "performance of an action that constitutes a financial instruments transaction" in paragraph (2) of that Article is deemed to be replaced with "conclusion of a contract for specified deposit, etc."; in Article 37-3, paragraph (1) of that Act, the term "seeks to conclude" is deemed to be replaced with "seeks to provide intermediary services for concluding", and the phrase "must deliver a document stating the following particulars to the customer..." is deemed to be replaced with "must deliver a document stating the following particulars to the customer..., and provide the customer with the content of the contract for specified deposit, etc. and other information that is to serve as a reference for the customer pursuant to the provisions of Cabinet Office Order in order to contribute to customer protection"; the phrase "trade name or name and address of the financial instruments business operator, etc." in item (i) of that paragraph is deemed to be replaced with "trade names and addresses of the financial instruments business operator, etc. and the entrusting bank (meaning the entrusting bank as defined in Article 2, paragraph (17), item (ii) of the Banking Act; the same applies in Article 37-6, paragraph (3)) pertaining to the contract for specified deposit, etc."; the phrase "an action that constitutes a financial instruments transaction carried out" in item (v) of that paragraph is deemed to be replaced with "a contract for specified deposit, etc. concluded"; in Article 37-6, paragraph (3) of that Act, the phrase "If a financial instruments transaction contract becomes subject to a cancellation under paragraph (1)" is deemed to be replaced with "If damages or other money is paid to the entrusting bank due to the cancellation of a contract for specified deposit, etc. upon the request of a customer," the phrase "request the customer to pay damages or a penalty for the cancellation of that financial instruments transaction contract beyond the amount specified by Cabinet Office Order as the amount of fees, remuneration, or other consideration payable by the customer with regard to that financial instruments transaction contract (referred to as a "consideration" in the following paragraph) for the period until the cancellation of that financial instruments transaction contract" is deemed to be replaced with "request the customer to pay damages or other money for such payment"; in paragraph (4) of that Article, the phrase "under paragraph (1)" is deemed to be replaced with "upon the request of a customer" and the term "the customer" is deemed be replaced with "that customer"; in Article 39, paragraph (1), item (i) of that Act, the phrase "a purchase and sale or other transaction of securities (excluding a purchase and sale with a repurchase requirement and a predetermined repurchase price, and other transactions specified by Cabinet Order) or a derivatives transaction (hereinafter referred to as a "purchase and sale or other transaction of securities, etc." in this Article)" is deemed to be replaced with "the conclusion of a contract for specified deposit, etc.," the phrase "securities or derivatives transaction (hereinafter referred to as "securities, etc." in this Article)" is deemed to be replaced with "contract for specified deposit, etc.," the phrase "customer (if a trust company, etc. (meaning a trust company or a financial institution that has obtained the authorization referred to in Article 1, paragraph (1) of the Act on Engagement in Trust Business by a Financial Institution; the same applies hereinafter) conducts the purchase and sale of securities or a derivatives transaction on the account of a person that establishes a trust based a trust contract, this includes the person that establishes the trust; hereinafter the same applies in this Article)" is deemed to be replaced with "customer," and the phrase "supplement its profits" is deemed to be replaced with "supplement its profits, without concluding the contract for specified deposit, etc."; in item (ii) of that paragraph, the term "a purchase and sale or other transaction of securities, etc." is deemed to be replaced with "the conclusion of a contract for specified deposit, etc.", the term "securities, etc." is deemed to be replaced with "contract for specified deposit, etc." and the phrase "in order to add to the profit..." is deemed to be replaced with "in order to add to the profit..., without concluding the specified deposit, etc. contract"; in item (iii) of that paragraph, the term "purchase and sale or other transactions of securities, etc." is deemed to be replaced with "the conclusion of a contract for specified deposit, etc.", the term "securities, etc." is deemed to be replaced with "contract for specified deposit, etc." and the phrase "in order to add to the profit..." is deemed to be replaced with "in order to add to the profit..., without concluding the specified deposit, etc. contract"; the term "a purchase and sale or other transaction of securities, etc." in paragraph (2) of that Article is deemed to be replaced with "the conclusion of a contract for specified deposit, etc."; the phrase "which is specified by Cabinet Office Order as a potential cause of" in paragraph (3) of that Article is deemed to be replaced with "which is a potential cause of"; the phrase "an act that constitutes a financial instruments transaction" in Article 40, item (i) of that Act is deemed to be replaced with "the conclusion of a contract for specified deposit, etc."; and in Article 45, item (ii) of that Act, the phrase "Articles 37-2 to 37-6; Article 40-2, paragraph (4); and Article 43-4" is deemed to be replaced with "Article 37-3 (limited to the part related to delivery of a document set forth in paragraph (1) and excluding item (vi) of that paragraph and paragraph (3)); Article 37-4; and Article 37-6, paragraph (3) and paragraph (4) (excluding the proviso)" and the phrase "which a financial instruments business operator, etc. has concluded" is deemed to be replaced with "for which a financial instruments business operator, etc. has provided intermediary services for concluding"; and any other necessary technical replacement of terms is specified by Cabinet Order.
第三節 監督
Section 3 Supervision
(電子決済等取扱業に関する帳簿書類)
(Books and Documents Concerning Electronic Payment Handling Services)
第五十二条の六十の十八電子決済等取扱業者は、内閣府令で定めるところにより、電子決済等取扱業に関する帳簿書類を作成し、これを保存しなければならない。
Article 52-60-18An electronic payment handling service provider must prepare and preserve books and documents concerning electronic payment handling services, pursuant to the provisions of Cabinet Office Order.
(電子決済等取扱業に関する報告書)
(Written Reports on Electronic Payment Handling Services)
第五十二条の六十の十九電子決済等取扱業者は、事業年度ごとに、内閣府令で定めるところにより、電子決済等取扱業に関する報告書を作成し、内閣総理大臣に提出しなければならない。
Article 52-60-19(1)Each business year, an electronic payment handling service provider must prepare a written report on their electronic payment handling services and submit it to the Prime Minister, pursuant to the provisions of Cabinet Office Order.
前項の報告書には、財務に関する書類、当該書類についての公認会計士(公認会計士法(昭和二十三年法律第百三号)第十六条の二第五項(外国で資格を有する者の特例)に規定する外国公認会計士を含む。)又は監査法人の監査報告書その他の内閣府令で定める書類を添付しなければならない。
(2)The written report referred to in the preceding paragraph must be attached with the documents concerning finance, an audit report prepared by a certified public accountant (including a foreign certified public accountant prescribed in Article 16-2, paragraph (5) (Special Provisions for Those Qualified in Foreign Jurisdictions) of the Certified Public Accountants Act (Act No. 103 of 1948)) or audit corporation regarding those documents, and other documents specified by Cabinet Office Order.
(報告又は資料の提出)
(Making Reports or Submitting Materials)
第五十二条の六十の二十内閣総理大臣は、電子決済等取扱業者の電子決済等取扱業の健全かつ適切な運営を確保するため必要があると認めるときは、当該電子決済等取扱業者に対し、その業務又は財産の状況に関し報告又は資料の提出を求めることができる。
Article 52-60-20(1)If the Prime Minister finds it to be necessary for ensuring the sound and appropriate management of electronic payment handling services by an electronic payment handling service provider, the Prime Minister may ask the electronic payment handling service provider to make a report or submit materials on the status of their business or property.
内閣総理大臣は、電子決済等取扱業者の電子決済等取扱業の健全かつ適切な運営を確保するため特に必要があると認めるときは、その必要の限度において、当該電子決済等取扱業者と電子決済等取扱業の業務に関して取引する者又は当該電子決済等取扱業者から電子決済等取扱業の業務の委託を受けた者(その者から委託(二以上の段階にわたる委託を含む。)を受けた者を含む。次項並びに次条第二項及び第五項において同じ。)に対し、当該電子決済等取扱業者の業務又は財産の状況に関し報告又は資料の提出を求めることができる。
(2)If the Prime Minister finds it to be particularly necessary for ensuring the sound and appropriate management of electronic payment handling services by an electronic payment handling service provider, the Prime Minister may, to the extent necessary, request a person that conducts transactions with the electronic payment handling service provider related to electronic payment handling services or a person that the electronic payment handling service provider has entrusted with its electronic payment handling services (including a person further entrusted by that entrusted person (including entrustment at two or more degrees of separation from the original entrustment); the same applies in the following paragraph and paragraphs (2) and (5) of the following Article) to make a report or submit materials on the status of business or property of the electronic payment handling service provider.
電子決済等取扱業者と電子決済等取扱業の業務に関して取引する者又は電子決済等取扱業者から電子決済等取扱業の業務の委託を受けた者は、正当な理由があるときは、前項の規定による報告又は資料の提出を拒むことができる。
(3)A person conducting transactions with an electronic payment handling service provider related to electronic payment handling services or a person that an electronic payment handling service provider has entrusted with its electronic payment handling services may refuse to make a report or submit materials pursuant to the provisions of the preceding paragraph if the person has legitimate grounds for doing so.
(立入検査)
(On-Site Inspections)
第五十二条の六十の二十一内閣総理大臣は、電子決済等取扱業者の電子決済等取扱業の健全かつ適切な運営を確保するため必要があると認めるときは、当該職員に当該電子決済等取扱業者の営業所その他の施設に立ち入らせ、その業務若しくは財産の状況に関し質問させ、又は帳簿書類その他の物件を検査させることができる。
Article 52-60-21(1)If the Prime Minister finds it to be necessary for ensuring the sound and appropriate management of electronic payment handling services by an electronic payment handling service provider, the Prime Minister may have relevant officials enter the business office or any other facilities of the electronic payment handling service provider, have those officials ask questions about the status of their business or property, and have them inspect their books, documents and any other articles.
内閣総理大臣は、前項の規定による立入り、質問又は検査を行う場合において、特に必要があると認めるときは、その必要の限度において、当該職員に電子決済等取扱業者と電子決済等取扱業の業務に関して取引する者若しくは電子決済等取扱業者から電子決済等取扱業の業務の委託を受けた者の施設に立ち入らせ、電子決済等取扱業者に対する質問若しくは検査に必要な事項に関し質問させ、又は帳簿書類その他の物件を検査させることができる。
(2)If an entry into facilities is to be made, and questioning or inspection is to be conducted, pursuant to the provisions of the preceding paragraph, and the Prime Minister finds it to be particularly necessary, the Prime Minister may, to the extent necessary, have relevant officials enter the facilities of a person conducting transactions with the electronic payment handling service provider that are related to electronic payment handling services or of a person that the electronic payment handling service provider has entrusted with its electronic payment handling services, have those officials ask that person questions about any particulars that are required to be asked in relation to the questioning or inspection of the electronic payment handling service provider, or have them inspect that person's books, documents and any other articles.
前二項の場合において、当該職員は、その身分を示す証明書を携帯し、関係人の請求があつたときは、これを提示しなければならない。
(3)In the cases referred to in the preceding two paragraphs, the relevant official must carry an identification card, and must present it if a person concerned requests them to do so.
第一項及び第二項の規定による権限は、犯罪捜査のために認められたものと解してはならない。
(4)The authority under the provisions of paragraphs (1) and (2) must not be construed as being granted for criminal investigation purposes.
前条第三項の規定は、第二項の規定による電子決済等取扱業者と電子決済等取扱業の業務に関して取引する者又は電子決済等取扱業者から電子決済等取扱業の業務の委託を受けた者に対する質問及び検査について準用する。
(5)The provisions of paragraph (3) of the preceding Article apply mutatis mutandis to the questioning and inspection of the person conducting transactions with an electronic payment handling service provider that are connected with electronic payment handling services or of the person that the electronic payment handling service provider has entrusted with its electronic payment handling services, pursuant to the provisions of paragraph (2).
(業務改善命令)
(Business Improvement Orders)
第五十二条の六十の二十二内閣総理大臣は、電子決済等取扱業者の電子決済等取扱業の健全かつ適切な運営を確保するため必要があると認めるときは、当該電子決済等取扱業者に対し、その必要の限度において、業務の内容及び方法の変更その他監督上必要な措置を命ずることができる。
Article 52-60-22If the Prime Minister finds it to be necessary for ensuring the sound and appropriate management of electronic payment handling services by an electronic payment handling service provider, the Prime Minister may order the electronic payment handling service provider to change its business content and business methods and order other measures that are necessary for supervision, to the extent necessary.
(登録の取消し等)
(Revocation of Registration)
第五十二条の六十の二十三内閣総理大臣は、電子決済等取扱業者が次の各号のいずれかに該当するときは、当該電子決済等取扱業者に対し、第五十二条の六十の三の登録を取り消し、又は六月以内の期間を定めて電子決済等取扱業の全部若しくは一部の停止を命ずることができる。
Article 52-60-23(1)If an electronic payment handling service provider falls under any of the following items, the Prime Minister may revoke the registration referred to in Article 52-60-3, or order the suspension of all or a part of the electronic payment handling services during a designated period of no longer than six months:
電子決済等取扱業者が第五十二条の六十の六第一項各号のいずれかに該当することとなつたとき。
(i)when the electronic payment handling service provider comes to fall under any of the items of Article 52-60-6, paragraph (1);
不正の手段により第五十二条の六十の三の登録を受けたとき。
(ii)when the electronic payment handling service provider has obtained the registration referred to in Article 52-60-3 by wrongful means; or
この法律又はこの法律に基づく内閣総理大臣の処分に違反したとき、その他電子決済等取扱業の業務に関し著しく不適当な行為をしたと認められるとき。
(iii)when the electronic payment handling service provider violates this Act or a disposition based on this Act by the Prime Minister, or is found to have conducted an extremely inappropriate action in relation to electronic payment handling services.
内閣総理大臣は、第五十二条の六十の八第一項の規定により電子決済等代行業を営む電子決済等取扱業者が、同条第二項の規定により適用するこの法律の規定又は当該規定に基づく内閣総理大臣の処分に違反した場合その他電子決済等代行業の業務に関し著しく不適当な行為をしたと認められる場合には、当該電子決済等取扱業者に対し、電子決済等代行業の廃止を命ずることができる。
(2)If an electronic payment handling service provider that provides electronic payment handling services pursuant to the provisions of Article 52-60-8, paragraph (1) violates the provisions of this Act which apply pursuant to the provisions of paragraph (2) of that Article or a disposition based on these provisions by the Prime Minister or is found to have committed an extremely inappropriate action in relation to electronic payment handling services, the Prime Minister may order the electronic payment handling service provider to discontinue the electronic payment handling services.
内閣総理大臣は、電子決済等取扱業者の営業所の所在地を確知できないとき、又は電子決済等取扱業者を代表する役員の所在を確知できないときは、内閣府令で定めるところにより、その事実を公告し、その公告の日から三十日を経過しても当該電子決済等取扱業者から申出がないときは、当該電子決済等取扱業者の第五十二条の六十の三の登録を取り消すことができる。
(3)If the Prime Minister is unable to ascertain the location of the business offices of an electronic payment handling service provider or is unable to ascertain the whereabouts of the officer representing an electronic payment handling service provider, the Prime Minister may issue public notice of that fact and revoke the electronic payment handling service provider's registration under the provisions of Article 52-60-3 if no application is made by the electronic payment handling service provider after 30 days have passed since the day of the public notice, pursuant to the provisions of Cabinet Office Order.
前項の規定による処分については、行政手続法第三章(不利益処分)の規定は、適用しない。
(4)The provisions of Chapter III (Adverse Dispositions) of the Administrative Procedure Act do not apply to a disposition pursuant to the provisions of the pre