21-公开发行证券的公司信息披露编报规则第26号(英文)

Announcement of the China Securities Regulatory Commission

(No. 33 [2008])

In order to regulate the information disclosure by commercial banks which offer securities to the public and are listed on stock exchanges, and protect the legitimate rights and interests of investors, the China Securities Regulatory Commission has formulated the Compilation Rules for Information Disclosure by Companies Offering Securities to the Public No.26 - Specific Provisions on Information Disclosure by Commercial Banks, in accordance with the Securities Law of the People’s Republic of China, the Company Law of the People’s Republic of China, the Law of the People’s Republic of China on Commercial Banks, and the Administrative Measures for the Information Disclosure of Listed Companies, which are hereby promulgated and shall come into force on September 1, 2008.

July 25, 2008

Compilation Rules for Information Disclosure by Companies Offering Securities to the

Public

No.26 - Specific Provisions on Information Disclosure by Commercial Banks

Article 1 In order to regulate the information disclosure by commercial banks which offer securities to the public and are listed on stock exchanges (hereinafter referred to as the “commercial banks”), and protect the legitimate rights and interests of investors, these Provisions are formulated in accordance with the Company Law of the People’s Republic of China, the Securities Law of the People’s Republic of China, the Law of the People’s Republic of China on Commercial Banks, the Administrative Measures for the Information Disclosure of Listed Companies and other laws and regulations.

Article 2 In addition to the common provisions of the CSRC on information disclosure concerning the relevant periodic reports, interim reports, etc., the commercial banks shall comply with the requirements of these Provisions.

Article 3 In a periodic report, a commercial bank shall disclose the main accounting data over the previous three years by the end of the reporting period, including the total assets and the structure, total liabilities and structure, total deposits and structure, total loans and structure, inter-bank borrowings, net capital and structure (including core capital and subsidiary capital), net risk-weighted assets, and loan loss reserves.

Article 4 In a periodic report, a commercial bank shall disclose the main financial indexes over the previous three years by the end of the reporting period, including the asset profit margins, the capital profit margins, the capital adequacy, the core capital adequacy, the non-performing loans ratio, the ratio of deposits to loans, the liquidity ratio, the loan ratio of a single top client, the loan ratio of the top ten clients, the migration ratio of pass loans, the migration ratio of OAEM loans, the migration ratio of substandard loans, the migration ratio of doubtful loans, the provisioning coverage ratio, and the cost-income ratio.

Provisioning coverage ratio = balance of loan loss reserves/non-performing loan balance

Article 5 In a periodic report, a commercial bank shall disclose information on the level-by-level management and the quantity of branches at each level and their geographical distribution,

including the name, address, number of employees, assets scale, etc.

Article 6 In a periodic report, a commercial bank shall disclose information on the quality of loan assets in the reporting period, including the amounts and proportions of the pass loans, OAEM loans, substandard loans, doubtful loans and loss loans in the “five-category” classifi cation of loans, and their changes compared with those in the same period last year. The commercial bank shall also disclose information on the beginning and ending balances and proportions of corporate restructuring loans and overdue loans in the current reporting period. The commercial bank shall analyze the aforesaid changes.

Article 7 In a periodic report, a commercial bank shall disclose information on the accruals of provisions for the loan depreciation reserve and the write-off thereof in the reporting period, including the accrual method of the loan depreciation reserve, the beginning balance, amount prepared at current period, amount transferred back at current period, amount written-off at current period, and ending balance of the loan depreciation reserves, and the amount of recovery of the loan depreciation reserves written off in the previous years.

Article 8 In a periodic report, a commercial bank shall disclose information on the changes of interest receivable in the reporting period, including the beginning balance, amount of increase at current period, amount transferred back at current period and ending balance, information on the withdrawal of bad debt reserve for interest receivable, and procedures and policies for bad debt write-off. The commercial bank shall analyze the changes of the interest receivable and the bad debt reserve.

Article 9 In a periodic report, a commercial bank shall disclose information on the amounts and proportions of the loan interest income, interest income from inter-bank loans, interest income from deposits at the Central Bank, interest income from inter-bank deposits, interest income from bond investment, commission income and other items within its business income in the reporting period and their changes compared with those in the same period last year, and analyze the same. Article 10 In a periodic report, a commercial bank shall disclose information on the top ten industries and main geographical distribution of the granted loans, the distribution, amounts and proportions in loan guarantee manners, and the loan balances of the top ten loan clients and their proportions to the total loans.

Article 11 In a periodic report, a commercial bank shall disclose information on the assets for offsetting debts by the end of the reporting period, including the amount of assets for offsetting debts, the accruals of provisions for the depreciation reserves, etc.

Article 12 In a periodic report, a commercial bank shall disclose information on the average balance and average interest rate in deposit structure, and the average balance and average interest rate of loans, including the average balances, interest rates and total amounts of the corporate demand deposits, corporate term deposits, savings demand deposits and savings term deposits; and the interest rate of short-term loans within one year, interest rates of medium and long-term loans and the total amounts.

Article 13 In a periodic report, a commercial bank shall disclose information on the categories and amounts of the held financial bonds, the face values, annual interest rates and dates of maturity of major financial bonds, and the accruals of provisions for the depreciation reserves. Article 14 In a periodic report, a commercial bank shall disclose information on the development and profit and loss of the financial management as trustee, asset securitization, various agency services, custodial services, and other businesses in the reporting period.

Article 15 In a periodic report, a commercial bank shall disclose information on the balances of the off-the-balance-sheet items having material effects on the financial status and operating results, including the specific information on such items as credit commitments (irrevocable loan commitments, banker’s acceptance bills, issuance of letters of guarantee, and issuance of letters of credit), lease commitments, capital expenditure commitments, and financial derivatives.

Article 16 In a periodic report, a commercial bank shall disclose information on the following various risks and the risk management:

1. Credit risk status. A commercial bank shall disclose information on the credit risk management, credit risk exposure, and credit asset quality and income, including the business activities generating credit risks, credit risk management and control policies, organizational structure and division of responsibility of credit risk management, procedures and methods for asset risk classification, distribution of credit risks, concentration of credit risk, non-performing loan analysis, loan restructure, and geographical distribution and industrial distribution of non-performing loans.

2. Liquidity risk status. A commercial bank shall disclose information on the relevant indexes that can reflect its liquidity, analyze the matching between assets and debts in time limit and structure, and analyze the factors affecting liquidity, and describe its liquidity management strategies.

3. Market risk status. A commercial bank shall disclose the quantitative and qualitative information on its market risk status, including the categories of the assumed market risks, the overall market risk level, and the risk positions and risk levels of different categories of market risks; the methods for the identification, calculation and control of various categories of assumed market risks; sensitivity analysis of relevant market prices, including the effects of fluctuations of interest rate, exchange rate, stock price and other prices on the economic value or financial status and profitability of the commercial bank; policies and procedures for market risk management; and market risk capital status, etc.

4. Operating risk status. A commercial bank shall disclose the risks of losses caused by the imperfection or failures of the internal procedures, personnel or system or by external events.

5. Other risk status. Other risk factors that may have significantly adverse effects on the bank shall be disclosed.

Article 17 In a periodic report, the board of directors of a commercial bank sha ll make a statement of the completeness, rationality and effectiveness of its internal control system and the implementation thereof. The board of supervisors shall give clearly opinions on the statement made by the board of directors, and the opinions and statement shall be disclosed respectively. Article 18 The board of directors of a commercial bank shall make a specialized report to the shareholders’ meeting each year on the implementation of the affiliated transaction management system, the operation of the affiliated transaction control committee, and the affiliated transactions conducted in the current year, and disclose it.

Article 19 With regard to the matters of external guaranty provided by a commercial bank, if the amount of a single guaranty exceeds 5% of the audited amount of net assets in the last year or the amount of a single guaranty exceeds 2 billion yuan, the company shall timely make an announcement.

Article 20 With regard to the litigation matters involving a commercial bank, if the amount of a single matter exceeds 1% of the audited amount of net assets in the last year, the company shall timely make an announcement.

Article 21 With regard to such matters as investment, acquisition and sale of assets of a commercial bank, if the amount of a single matter exceeds 5% of the audited amount of net assets in the last year, or the amount of a single matter exceeds 2 billion yuan, the company shall timely make an announcement.

With regard to the matters of asset and equipment procurement of a commercial bank, if the amount of a single matter exceeds 1% of the audited amount of net assets in the last year, the company shall timely make an announcement.

Article 22 Where any major emergency (including but not limited to bank run, major fraud, and major violations by any branch and individual) happens to a commercial bank, and the involved amount reaches 1% or more of the most recent audited net profits, the company shall timely make an announcement as required.

Article 23 The affiliated transactions of a commercial bank shall include the on-balance-sheet and off-balance-sheet transactions as loan, loan commitment, honor, discount, repurchase of securities, trade financing, factoring, letter of credit, letter of guarantee, overdraft, inter-bank lending and guaranty, the transfer of assets, the provision of services to commercial banks and other transactions conducted with the affiliated parties.

Where the amount of an affiliated transaction conducted by a commercial bank with an affiliated natural person reaches 300,000 yuan or more, or the amount of an affiliated transaction conducted by a commercial bank with an affiliated legal person accounts for 0.5% or more of the most recent audited net assets of the commercial bank, such affiliated transaction shall be timely disclosed. Where the amount of an affiliated transaction reaches 30 million yuan or more and accounts for 1% or more of the most recent audited net assets of a commercial bank, it shall be submitted to the board of directors for deliberation in addition to timely disclosure. Where the amount of an affiliated transaction accounts for 5% or more of the most recent audited net assets of a commercial bank, it shall be submitted to the shareholders’ meeting for deliberation in addit ion to timely disclosure. The independent directors of a commercial bank shall present written opinions on the fairness of an affiliated transaction and the implementation of the internal procedures for examination and approval.

Article 24 Where any change of the credit risk status, liquidity risk status, market risk status, operating risk status and other risk status of a commercial bank has any significant effect on the business operation or profitability of the company, the commercial bank shall timely make an announcement.

Article 25 Where a commercial bank makes any business innovation, launches any new variety of business, or carries out any financial derivative business, it shall make an announcement as required within two working days from the date of receiving the approval of the relevant department.

Article 26 Where any change of the interest rate, exchange rate and tax rate or any new policy or regulation has any significant effect on the business operation and profitability of a commercial bank, the commercial bank shall timely make an announcement of the effect which any change of policy or regulation has on its business operation and profitability, as required.

Article 27 Where the information disclosure by a commercial bank violates any of these Provisions, the commercial bank shall be subject to legal liabilities in accordance with the relevant provisions of Article 193 of the Securities Law and Chapter VI of the Administrative Measures for the Information Disclosure of Listed Companies.

Article 28 These Provisions shall come into force on September 1, 2008, and the Criteria for Contents and Formats of Information Disclosure by Companies Offering Securities to the Public No.18 --- Specific Provisions on Information Disclosure by Commercial Banks (No. 3 [2003] of the China Securities Regulatory Commission) promulgated by the CSRC on March 19, 2003 shall be abolished simultaneously.

21世纪报练习题Issue576挑战版

Test of the 21st Century Newspaper Issue 576 挑战版 实战演练 1. I am going to _____ from my school soon, but I will be thankful to it forever. A. move B. graduate C. stay D. remain 2. Tom _____ in the exam again though he tried his best. A. passed B. failed C. crossed D. showed 3. Scientists and doctors are trying their best to come up with ways to treat the terrible _____. A. disease B. decision C. danger D. deal 4. – How can we protect ourselves _____ the earthquake?– We should stay calm first. (2014) A. with B. about C. for D. from 5. – What will the phone ____?– The same as you said, eight hundred dollars each. (2016 ) A. spend B. cost C. pay D. afford 6. – It is reported that Chinese ____ more than 40 minutes a day reading WeChat. – It is true. But I think WeChat is taking too much of our time. (2015 襄阳) A. spend B. cost C. pay D. Take 7. – It is important for us to know _____ all the subjects.– Yeah, group work is my favorite. (2015 ) A. how to study B. when to study C. which to study D. what to study 8. Nowadays, each of the students ____ a new dictionary in the countryside. (2013 ) A. has B. had C. have 原版挑战Talking through your problems Yesterday, my 15-year-old brother Tommy had a fight with my 12- year-old broth er Kevin. I didn’t notice. I knocked on the door and asked, “Kevin, do you want to (1) ?”Later, as I was walking upstairs I heard Kevin crying in his room. No one (2) . I tried again. Still nothing happened. So, I took some cards an d wrote, “If you don’t, we can write notes.” An hour later I was still sitting on the floor outside his door with two pads of paper in my hands. One pad was new and the other was from Kevin. As I read one of Kevin’s notes, tears came to my eyes. It(3) , “Nobody in this family cares about me. Tommy thought I was too weak and Dad (4) me he wished he had the other Kevin as a kid because he’s better at basketball. You’re never around to even notice me.” He was right about my part. I wrote back, “Kevin, I do love you an d you know that. I’m here for you and you are loved in this family.” I wrote back “For what?” It returned to me with “Loving me” on it.He didn’t reply for a while, but then I heard he cried a little bit. Kevin ran out of cards and wrote “Thanks” on a p aper cup. Since then, I try my best to pay more attention to my family members. Kevin and I have a closer relationship now and when one of us notices that the other is unhappy, we’ll smile and say, “Write it on a paper cup.” Teens c ouldn’t contact the author of this story. The author can contact Teens if necessary. Task 1Discuss the questions: 1. Who is the closest member to you in your family? Please share one or two stories about you two. 2. If one of your family members has some trouble, what will you do?

深圳证券交易所上市公司股东大会网络投票实施细则修订

深圳证券交易所上市公司股东大会网络投票实施细则修 订

深圳证券交易所上市公司股东大会网络投票 实施细则（ 9月修订） 第一章总则 第一条为规范上市公司股东大会网络投票业务，保护投资者的合法权益，根据有关法律、行政法规、部门规章、规范性文件和深圳证券交易所（以下简称“本所”）业务规则，制定本细则。 第二条本细则适用于上市公司利用本所股东大会网络投票系统向其股东提供股东大会网络投票服务。 第三条本细则所称上市公司股东大会网络投票系统（以下简称“网络投票系统”）是指本所利用网络与通信技术，为上市公司股东行使股东大会表决权提供服务的信息技术系统。 网络投票系统包括本所交易系统、互联网投票系统（网址：）。 上市公司能够选择使用现场投票辅助系统收集汇总现场投票数据，并委托深圳证券信息有限公司（以下简称“信息公司”）合并统计网络投票和现场投票数据。 第四条上市公司召开股东大会，除现场会议投票外，应当向股东提供股东大会网络投票服务。

第五条股东大会股权登记日登记在册的所有股东，均有权经过网络投票系统行使表决权。 第六条本所授权信息公司接受上市公司委托，提供股东大会网络投票服务。 第二章网络投票的准备工作 第七条上市公司在股东大会通知中，应当对网络投票的投票代码、投票议案号、投票方式等有关事项作出明确说明。 第八条上市公司应当在网络投票首日的三个交易日前（不含当日）与信息公司签订协议，并提供股权登记日登记在册的全部股东资料的电子数据，包括股东名称、股东账号、股份数量等内容。 上市公司股东大会股权登记日和网络投票开始日之间应当至少间隔二个交易日。 第九条上市公司应当核对并确认股东大会网络投票系统中的股东大会议案、回避表决议案及回避股东等相关内容。 第三章经过交易系统投票 第十条上市公司股东大会采用本所交易系统投票的，现场股东大会应当在本所交易日召开，经过本所交易系统进行网络投票的时间为股东大会召开日的本所交易时间。 第十一条本所交易系统对股东大会网络投票设置专门的投票代 3

21世纪英语报双语新闻

女性读者向我问得最多的问题是──如何 能既拥有成功的事业又拥有幸福的家庭？她们中的很多人已经在事业上获得成功了，她们实际上要问的是如何同时获得一个幸福的家庭。 Here's the #1 question I get from women readers: How can I have a successful career and a happy family? Many of these readers already are successful in their careers. What they're really asking is how to also have a happy family. 对我们女性而言，这是一个非常新的问 题。许多世纪以来，女人的职业就是“照顾家人”。我们活着是为了取悦父亲、丈夫以及儿子。我们为他人服务，获得的回报是一生安稳的保障。 This is a very new question for us. For centuries, women's careers were our family. Our career was 'caregiver.' We lived to please our fathers, our husbands, our sons. In return for our service, we received a lifetime guarantee of stability and security. 然而，这种“交易”如今已经消失。虽然我 们依然在履行照顾家人的职责，但对许多人来说（如果不是大多数人的话），婚姻正成为巨大的不安全感的来源。 But today that bargain has vanished. We're still doing our part by serving our families. But for many if not most, marriage now is a source of deep insecurity. 大多数年轻人的婚姻如今以离婚告终 Most young marriages now end in divorce 在步入婚姻殿堂时，没有人会抱着这种 想法──“有一天我们会厌恶对方”，但这正是中国大多数80后一代的经历。根据民政部的统计，2005年时，80后的离婚率就已经达到了57%。 No one enters a marriage thinking, 'Someday we'll hate each other,' but that's been precisely the experience of most of China's born-post-1980 generation. The Ministry of Civil Affairs reports that by 2005, the divorce rate for this generation already had reached 57 percent. 中国历史上首次出现了在破碎家庭中长大的一代儿童。女性在离婚期间常常遭 受巨大的痛苦，但至少我们可以掌控自己的生活然后继续向前。然而，我们的孩子却不能。在离婚事件中，他们才是真正意义上的受害者。 For the first time in Chinese history, a generation of children now is growing up in broken households. Women often suffer greatly during divorce, but at least we can take charge of our lives and move on. Our children, on the other hand, cannot. When divorce occurs, they're victims in the truest sense. 离婚对孩子的影响可能会持续一生，我恰好对此有直接的了解。我1969年在美国出生，正如中国现在的情况一样，上世纪70年代正是离婚潮首次在美国爆发之时。我们那一代人是第一代成长在离异家庭的孩子。虽然我的父母一直都在 一起生活，但那些年我还是目睹了父母The impacts on children of divorce can last a lifetime. I happen to know this first-hand, since I was born in America in 1969, and it was in the 1970s that divorce first exploded in America as is happening now in China. My generation was the first to grow up as the children of divorce.

初二英语报纸答案

What’s the main idea of the passage? ________ A.John Snow was a well-known doctor in London. B.The cause of Cholera was polluted water. C.The source of all drinking water should be examined. D.How did John Snow collect, analyze data and find the cause of the disease and solved it . II.根据课文内容总结出各段段落大意并在空格处填上适当的单词，每空一词。

III.仔细阅读课文，找出下列句子并分析。 1. John Snow was a famous doctor in London— so expert, indeed, that he attended Queen Victoria as her personal physician. ①划分句子成分：____________________；attend, join, join in和take part in 的区别： ____________________________________________________________ ___________________ ②此句中so…that 引导_______ 从句，仿写句子：她对这篇文章太熟

了，以至于能全文背诵。 ____________________________________________________________ ___________________ 2. But he became inspired when he thought about helping ordinary people exposed to cholera. ①划分句子成分：______________________________________ ②此句中inspired 和exposed各在句中作_____ 和______(成分); expose to意思是__________, 其后常接________ 形式。翻译：我不想向任何人揭露他的恐惧。___________________________________________________________ __________________ 3. The second suggested that people absorbed this disease into their bodies with their meals. ①划分句子成分：______________________________________ ②句中absorb…into意思是__________, be absorbed in/ into本意是_________，还有使全神贯注的意思;例如：He was so absorbed into the novel that he couldn’t hear the door bell 。翻译：____________________________________________________________ ___________________ ③比较：Para7中suggest的用法与此句中的一样吗？ ____________________________________________________________ ___________________

深圳证券交易所 中国证券金融股份有限公司 中国证券登记结算创业板转融通证券出借和转融券业务特别规定

附件 深圳证券交易所中国证券金融股份有限 公司中国证券登记结算有限责任公司创业板转融通证券出借和转融券 业务特别规定 第一章总则 第一条为促进创业板转融通证券出借和转融券业务的顺利开展，防范业务风险，根据《转融通业务监督管理试行办法》《创业板首次公开发行股票注册管理办法（试行）》《深圳证券交易所转融通证券出借交易实施办法（试行）》（以下简称《证券出借实施办法》）、《中国证券金融股份有限公司转融通业务规则（试行）》（以下简称《转融通业务规则》）、《中国证券登记结算有限责任公司证券出借及转融通登记结算业务规则（试行）》（以下简称《证券出借及转融通登记结算业务规则》）等有关规定，制定本规定。 第二条创业板上市交易的股票和存托凭证（以下统称股票），其证券出借、转融券以及相关登记结算业务适用本规定。本规定未作规定的，适用《证券出借实施办法》《转融通业务规则》《证券出借及转融通登记结算业务规则》等其他有关规定。 第三条证券出借人（以下简称出借人）和转融券借入人

（以下简称借入人）可以按本规定通过约定申报和非约定申报方式参与证券出借以及转融券业务。 通过约定申报方式参与的，由出借人、借入人按本规定及其他有关业务规则协商确定数量、期限、费率等要素。 第四条中国证券金融股份有限公司（以下简称中国证券金融公司）分别与出借人、借入人进行证券出借、转融券业务，并提供信息交互平台，出借人、借入人可以通过信息交互平台发布出借意愿、借入意愿等信息。 第二章证券出借 第五条符合条件的公募基金、社保基金、保险资金等机构投资者，以及参与创业板发行人首次公开发行的战略投资者（以下简称战略投资者），可以作为出借人参与证券出借。 第六条证券出借的标的证券范围，与可融券卖出的标的证券范围一致。 第七条可通过约定申报和非约定申报方式参与证券出借的证券类型包括： （一）无限售流通股； （二）战略投资者配售获得的在承诺的持有期限内的股票； （三）符合规定的其他证券。 第八条出借人的股票已被质押或被有权机关冻结的，不得用于出借。出借人、提供证券出借交易代理服务的证券公司，在申报证券出借指令前应当进行前端检查和控制。

21世纪大学英语第二册答案

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深圳证券交易所上市公司股东大会网络投票实施细则

深圳证券交易所上市公司股东大会网络投票实施细则 【法规类别】境内上市上市公司证券交易所与业务管理 【发文字号】深证上[2004]115号 【失效依据】深圳证券交易所上市公司股东大会网络投票实施细则(2006年修订)[失效]【发布部门】深圳证券交易所 【发布日期】2004.12.28 【实施日期】2004.12.28 【时效性】失效 【效力级别】行业规定 深圳证券交易所上市公司股东大会网络投票实施细则 （二○○四年十二月二十八日深证上〔2004〕115号） 第一章总则 第一条为规范上市公司股东大会网络投票业务，保护投资者合法权益，根据有关法律、法规、规章和本所业务规则，制定本细则。 第二条本细则所称上市公司股东大会网络投票系统（以下简称"网络投票系统"）是指深圳证券交易所（以下简称本所）利用网络与通信技术，为上市公司股东非现场行使股东

大会表决权提供服务的信息技术系统。 网络投票系统包括本所交易系统、互联网投票系统（网址：http： //https://www.wendangku.net/doc/0a14691054.html,）。 本细则适用于上市公司利用本所股东大会网络投票系统向其股东提供的网络投票服务。 第三条上市公司召开股东大会，除现场会议投票外，鼓励其向股东提供股东大会网络投票服务。 股东大会议案按照有关规定需要同时征得社会公众股股东单独表决通过的，除现场会议投票外，上市公司应当向股东提供股东大会网络投票系统。 第四条股东大会股权登记日登记在册的所有股东，均有权通过网络投票系统行使表决权，但同一股份只能选择现场投票、网络投票中的一种行使表决权。如同一股份通过现场和网络投票系统重复进行表决的，以现场表决为准。 如同一股东分别持有上市公司A、B股的，股东应当通过其持有的A股股东账户与B股股东账户分别投票。 第五条通过上海证券交易所市值配售持有本所上市公司股票的社会公众股股东可以通过上海证券交易所的网络投票系统进行投票。 通过本所市值配售持有上海证券交易所上市公司股票的社会公众股股东可以通过本所网络投票系统进行投票。 第六条本所授权深圳证券信息有限公司（以下简称信息公司）接受上市公司委托，提供股东大会网络投票服务。