【中文版】

什么钱要通过银监会？

银行业是一个高度监管的行业，其业务活动受到中国银行保险监督管理委员会（简称“银监会”）的严格监管。那么，哪些钱需要通过银监会审核呢？

首先，银行业金融机构的业务活动需要经过银监会的审批和许可。这意味着，如果一家公司想要开展银行业务，它需要向银监会申请相关的金融牌照。只有获得牌照的银行才能合法地开展银行业务。

其次，银行业务的变更也需要经过银监会的审批和备案。例如，如果一家银行想要修改其注册资本或变更其业务范围，它需要向银监会提交相关的申请材料并经过审批。

此外，银行业务的日常经营也需要接受银监会的监管。例如，银监会会对银行的资本充足率、流动性比率、风险管理和内部控制等方面进行监督和检查。如果银行存在违规行为或风险问题，银监会可以采取相应的监管措施对其进行处罚或纠正。

总的来说，任何涉及到银行业务的钱都需要经过银监会的审核和监管。银监会对银行业的严格监管保证了金融市场的稳定和健康发展。

【英文版】

What kind of money needs to go through the CBRC?

The banking industry is a highly regulated sector, and its business activities are strictly supervised by the China Banking and Insurance Regulatory Commission (CBRC). So, what kind of money needs to be approved by the CBRC?

Firstly, the business activities of banking institutions need to be approved and licensed by the CBRC. This means that if a company wants to engage in banking business, it needs to apply for relevant financial licenses from the CBRC. Only banks with licenses can legally carry out banking business.

Secondly, changes in banking business also need to be approved and recorded by the CBRC. For example, if a bank wants to modify its registered capital or change its business scope, it needs to submit relevant application materials to the CBRC and obtain approval.

In addition, the daily operation of banking business also needs to be subject to CBRC supervision. For example, the CBRC will supervise and inspect the capital adequacy ratio, liquidity ratio, risk management, and internal controls of banks. If a bank has regulatory violations or risk issues, the CBRC can take corresponding regulatory measures to punish or correct them.

Overall, any money involved in banking business needs to be subject to CBRC review and supervision. The strict supervision of the banking industry by the CBRC ensures the stability and healthy development of the financial market.