金融领域具有高度保密、正式严肃且直接关联切身财产利益的特点，所以金融与法律通常是紧密关联的。很多金融领域的文书、信函、说明、正式发布的内容都或多或少与规定权责的法律协议相关，所以金融翻译也和法律翻译天然相关。今天推荐一则个人金融信息保护函的中英文对照翻译，原文为中文，译文为英文。值得有志于从事金融或法律合同领域翻译的小伙伴可以参考学习下。更多金融或法律翻译内容，敬请回复“金融专题”或“法律专题”获取。

个人金融信息保护函 

Letter regarding 

Protection of Personal Financial Information 

尊敬的先生/女士/客户： 

Dear Sir / Madam / Client, 

感谢贵方选择渣打银行（中国）有限公司（“我行”）。我行一贯尊重贵方及/或资料当事人与个人金融信息1有关的隐私，承诺按照法律要求对贵方及/或资料当事人的个人金融信息保密。但是，基于我行业务经营与管理的必要需求，我行不时需要获取、使用并将贵方及/或资料当事人的个人金融信息披露予第三方2用于特定原因及用途3。

We are grateful for your choice of Standard Chartered Bank (China) Limited (the “Bank”). The Bank respects your and/or the Information Owner’s privacy related to the Personal Financial Information4, and undertakes to keep the Personal Financial Information confidential in accordance with relevant laws. However, due to the necessary demands of the Bank’s business operation and management, the Bank may need from time to time to obtain, use and disclose to any third party your and/or the Information Owner’s Personal Financial Information5 for specific reasons and purposes.6

1 参见定义1.2

2 参见定义2.3

3 参见说明3.4

4 See Definition 1. 5

5 See Definition 2. 6

6 See Description 3.

本函目的为根据监管机构要求，寻求贵方或贵方代表资料当事人就我行有关个人金融信息的收集、保存、使用、对外披露等行为的授权。请贵方仔细阅读下述条款和条件，以确保充分理解。如有疑问，贵方及/或资料当事人可要求我行就任何条款作出进一步的说明和解释，如果必要，也可以向独立咨询方寻求意见。如无疑义，请在签署栏处签署，以示知晓且正式授权。 

As required by regulatory authority, the Bank hereby issues this Letter to seek your authorization on behalf of yourself or the Information Owner regarding collection, storage, use and external disclosure of the Personal Financial Information. Please carefully read the following terms and conditions and ensure you have fully understood them. If you have any queries, you and/or the Information Owner may request the Bank to make further illustration and explanation for any terms, and if necessary, you and/or the Information Owner may also seek independent consultants’ opinions. If you have no doubt, please undersign to confirm your understanding and duly authorization. 

渣打银行（中国）有限公司 2011年6月1日 

Standard Chartered Bank (China) Limited 1 June, 2011 

===========================================================

客户授权书 

Customer Authorization 

兹授权渣打银行（中国）有限公司（下称：被授权方）获取、使用和披露我方或与我方有关联的资料当事人的个人金融信息，并可在被许可的范围内予以使用和进一步披露。 

I/We hereby authorize Standard Chartered Bank (China) Limited (the “Authorized Party”) to obtain, use and disclose my/our or the Information Owner’s Personal Financial Information, and use and further disclose it within the permitted scope. 

如给予此授权需要通知资料当事人及/或其他第三方或者取得其同意或者履行任何批准程序的，我方承诺已经进行了通知或获得了这些同意或者批准。如被授权方因我方以上授权或承诺不真实或误导遭受任何第三方（包括资料当事人）民事及刑事诉讼、赔偿要求或任何类似诉求，均应由我方承担一切责任，包括但不限于被授权方因此支付的律师费用、诉讼费用等。 

If before giving the authorization I/we need notify the Information Owner and/or any other third party or seek their consent or obtain any approval, I/we confirm I/we have already notified or obtained such consent or approval. If my/our authorization or confirmation hereunder is unauthentic or misleading I/we shall be liable for any claim, prosecution, compensation demand or similar complaint raised by any third party (including any Information Owner) against the Authorized Party, including without limitation any legal fees and litigation costs incurred by the Authorized Party. 

除非我方或我方代表资料当事人另行出具撤销授权的书面文件，本授权一直有效。 

Unless I/we revoke the Authorization in writing or on behalf of the Information Owner, the Authorization shall be ongoing effective. 

本授权书为具有法律约束力的文本。如我方此前与被授权方签署的服务条款及细则/通用条款/账户条款（视客户不同类型而定）与本授权书就有关个人金融信息的获取、使用及披露有关的事宜存在歧义，则以本授权书为准。 

This Authorization shall be legally binding. In case of any inconsistency between the provisions regarding obtaining, use and disclosure of the Personal Financial Information in this Authorization and the Service Terms and Conditions / General Terms / Account Terms (depending on types of customers) signed with the Authorized Party, this Authorization shall prevail. 

授权方（签字/公章）：__________________ As authorized, (Signature/Common Seal) 

日期：  年  月  日 Date: 

定义及说明 

Definitions and Descriptions 

1. 个人金融信息是指，我行因应贵方或与贵方有关联的我行客户的要求开展银行业务（后一情形例如，我行客户申请贷款由贵方提供担保），而被贵方告知的或者我行合法获取的贵方的及/或与贵方（对企业而言）有关的自然人（例如法定代表人、股东、董事等，以下称为“资料当事人”）的信息，例如，身份信息、财产信息、账户信息、信用信息、金融交易信息以及根据相关规定的其他个人金融信息等。 

Personal Financial Information refers to your own information and/or (where you are a company) the information of other natural persons related to you (such as the legal representative, shareholders, directors etc. , hereinafter referred to as “Information Owner”), which is informed by you or legally obtained by the Bank in the process of offering banking services as requested by you or our client who is connected to you (e.g., you are a personal guarantor for the loan the Bank provides to the client), including the identity information, wealth information, account information, credit information, financial trading information and other personal financial information in accordance with relevant regulations and rules. 

2. 第三方是指： 

A third party refers to: 

2.1 位于任何管辖区的我行集团成员和代表，即无论其是否与我行位于同一国家或地区（与我行一并称“被许可方”）； 

Any Bank Member and representatives in any jurisdiction, regardless whether it is located in the same jurisdiction of the Bank (together with the Bank, the “Permitted Parties”); 

2.2 对被许可方承担保密义务的被许可方的专业顾问、保险公司、保险经纪人和服务提供商； 

Any professional adviser, insurer or insurance broker or service provider of the Permitted Parties who is under a duty of confidentiality to the Permitted Parties; 

2.3 与贵方及/或资料当事人和我行（包括任何分支机构）任何协议下我行的权利和/或义务相关的实际或潜在的参与者或次级参与者、或者受让人或替代人（或他们的代理人或顾问）； 

Any actual or potential assignee, novatee, transferee, participant or sub-participant in relation to any of the Bank’s (including any branch) rights and/or obligations under any agreement between you and/or the Information Owner with the Bank (or any agent or adviser of any of the foregoing); 

2.4 被许可方的信用评级机构，或直接或间接对被许可方提供信用保护的第三方； 

Any rating agency or direct or indirect provider of credit protection to any of the Permitted Parties; 

2.5 对被许可方具有管辖权的任何法律或任何政府、准政府或具有规范、监管职权的部门、有权机构、或审理机构要求的披露； 

As required by any law or any government, quasi-government, administrative, regulatory or supervisory body or authority, or tribunal with jurisdiction over any of the Permitted Parties; or company is a Subsidiary. The Subsidiary means, in relation to a company, any other company which is Controlled, directly or indirectly, by such company, or more than half the issued share capital of which is beneficially owned, directly or indirectly, by such company, or which is a Subsidiary of another Subsidiary of such company. For the purpose hereof, Control means where one entity (either directly or indirectly and whether by share capital, voting power, contract or otherwise) has the power to appoint and/or remove the majority of the members of the governing body of another entity or otherwise controls or has the power to control the affairs and policies of another entity and such entity is taken to be Controlled by the first entity. 

3. 我行获取、使用以及披露贵方及/或资料当事人的个人金融信息的原因与用途，可能为如下的任何一项或者多项： 

The reason and purpose of the Bank’s obtaining, use and disclosure of your and/or the Information Owner’s Personal Financial Information may be one or more than one of the followings: 

3.1 评估贵方及/或资料当事人的资信状况、处理贷款、融资或其他银行服务的申请； 

To evaluate your and/or the Information Owner’s credit status, to process loan, financing request or other banking services; 

3.2 确保我行能够提供和维持银行服务的日常运作，如关联公司向我行提供的信息存储或其他外包服务，第三方清收公司、印刷品承包商等； 

To ensure the Bank can provide and maintain regular banking services, e.g., the information storage or other outsourcing services provided by any Related Company to the Bank, debt collection agency or printing vendor etc.; 

3.3 

定期的信用核查和后续贷后管理； 

To ensure regular credit check and post-loan management; 

3.4 协助其他机构进行信用核查及追讨债务； 

To assist other institutions to conduct credit checks and collect debts; 

3.5 确保贵方及/或资料当事人的资信状况良好的调查； 

To ensure ongoing credit worthiness of you and/or the Information Owner; 

3.6 设计金融产品、财务服务或相关产品； 

To design financial products, financial services or related products; 

3.7 推广金融产品、财务服务或相关产品，包括但不限于以传单、电话、短信、传真、邮件等方式向贵方及/或资料当事人进行推广； 

To market financial products, financial services or related products, including but not limited to the marketing to you and/or the Information Owner via brochure, telephone calls, short message, fax and email; 

3.8 确定贵方及/或资料当事人与我行彼此间的债权债务状况； 

To determine your and/or the Information Owner’s amount of indebtedness owed to or by the Bank; 

3.9 债务清收、追讨，包括但不限于行使债权人权利、担保权利等； 

To collect and liquidate debts, including without limitation the enforcement of creditor’s rights or security interests; 

3.10 为履行任何对我行有约束力的法律规定或任何对我行有管辖权的监管机构的要求而进行披露； 

To disclose according to the laws binding on the Bank or otherwise as required by any regulatory authority to which the Bank is subject; 

3.11 基于银行财务管理的需要，为在二级市场上进行资产的组合和转让，向我行权利义务的实际的或潜在的受让人、参与人或附属参与人及其代理人、顾问等进行披露，以评估有关转让、参与或附属参与的交易； 

To disclose to the actual or potential assignee, or participant or sub-participant in relation to any of the Bank’s rights and/or obligations and their agents and consultants so that they can evaluate the intended assignment, participation or sub-participation, to facilitate the Bank to re-allocate and transfer its asset in the secondary market for a financial management purpose; 

3.12 我行所属集团或关联公司由于是上市公司或者特许机构，为满足根据适用法规或交易所规则从会计、审计、财务、税收以及监管等方面不时整合信息、数据的要求而进行的披露； 

To disclose so that relevant information and data can be consolidated from the perspectives of accounting, audit, financial, tax and compliance in accordance with applicable laws or exchange rules as the Bank’s group or any related company is a listed company or an institution particularly chartered; 

3.13 作为银行服务不可分割的一部分，向所使用的提供枢纽处理或外包处理的服务提供商披露； 

To disclose to service providers who offers hubbing processing and other outsourcing services to the Bank which is an integral part of banking services; 

3.14 基于分散风险、评估风险的需要，向保险公司、专业顾问、审计机构的披露； 

To disclose to insurance companies, professional consultants and audit agencies for risk diversification or assessment purposes; 

3.15 基于相关金融产品的内在设计，例如资产证券化的安排，向评级机构、保险机构、信用保护机构的披露； 

To disclose to rating agencies, insurance institutions and credit protection providers which is necessitated by the inherent design of relevant financial products; and 

3.16 与上述有关的用途；及贵方及/或资料当事人同意的其他披露用途。 

To disclose for other purposes relating to the above and as agreed with you and/or Information Owner. 

 (本文件以中英文书就，如有冲突，以中文为准。) 

(This document is drafted in both Chinese and English, and the Chinese version shall prevail in case of any inconsistency.) 

（本文转自“译匠”公众号，已获授权）