GD真人

政策资讯 Policy information
中国银保监会发布《金融租赁公司监管评级办法(试行)》
发布时间: 2019-07-06  
信息来源:GD真人 浏览次数:

 

GD真人 weijianquanhewanshanjinrongzulingongsijianguanzhidutixi,qianghuafenleijianguan,tuidongjinrongzulingongsichixujiankangfazhan,jinri,zhongguoyinbaojianhuifabu《jinrongzulingongsijianguanpingjibanfa(shixing)》(yixiajiancheng《banfa》)。

 

 
 
 
 

GD真人 《banfa》gongwuzhangershisitiao,zhuyaobaokuozongze、pingjiyaosuhepingjifangfa、pingjicaozuoguicheng、fenleijianguan、fuzedengwubufen,congzongtishangduijinrongzulingongsijianguanpingjigongzuozuochuanpai。yishishedingjianguanpingjiyaosuhefangfa。jinrongzulingongsijianguanpingjiyaosuzhuyaobaokuozibenguanli、guanlizhiliang、fengxianguanli、zhanlveguanliyuzhuanyenenglisigefangmian,quanzhongzhanbifenbiewei15%、25%、35%、25%。《banfa》haizhenduijinrongzulingongsifashengzhongdashexinganjiandengteshuqingxingshezhilexiangyingpingjidiaojiangtiaokuan。ershimingquejianguanpingjicaozuoguicheng。jinrongzulingongsijianguanpingjifenweiyinbaojianhuipaichujigouchuping、yinbaojianhuifuhe、fankuijianguanpingjijieguo、danganguijidenghuanjie。niandupingjigongzuoyuanzeshangyingyumeinian5yuediqianwancheng。sanshiqianghuajianguanpingjijieguoyunyong。jinrongzulingongsijianguanpingjijieguofenwei1ji、2ji(a、b)、3ji(a、b)、4jihe5jigong5gejibie7gedangci。jianguanpingjijieguojishuyuedabiaomingjibieyuecha,yuexuyaojianguanguanzhu。jinrongzulingongsidejianguanpingjijieguoshijianguanjigouhenglianggongsijingyingzhuangkuang、fengxianchengduhefengxianguanlinengli,zhidingjianguanguihua、peizhijianguanziyuan、caiqujianguancuoshihexingdongdezhongyaoyiju。

《banfa》defabuheshishi,jinyibuwanshanlejinrongzulingongsijianguanguizhi,weiqianghuafenleijianguantigonglezhiduzhicheng,youliyutishengjinrongzulingongsijianguanxiaoneng,cujinjinrongzulingongsimaixianggaozhiliangfazhan,chixutishengfuwushitijingjizhixiao。

 
 
 
 

 

 

zhongguoyinbaojianhuibangongtinggdzhenrenyinfa

jinrongzulingongsijianguanpingjibanfa(shixing)detongzhi

 

GD真人 geyinbaojianju:

《jinrongzulingongsijianguanpingjibanfa(shixing)》yijingyinbaojianhuitongyi,xianyinfajinimen,qingzunzhaozhixing。

GD真人  

2020nian6yue30ri

GD真人  

GD真人 (cijianfazhiyinbaojianfenjuhejinrongzulingongsi)

GD真人  

 

GD真人 jinrongzulingongsijianguanpingjibanfa(shixing)

 

GD真人  

第一章  总则

GD真人  

diyitiao weiquanmianpinggujinrongzulingongsidejingyingguanliyufengxianzhuangkuang,helipeizhijianguanziyuan,jiaqiangfenleijianguan,cujinjinrongzulingongsichixujiankangfazhan,genju《zhonghuarenmingongheguoyinxingyejianduguanlifa》《jinrongzulingongsiguanlibanfa》dengyouguanfalvfaguideguiding,zhidingbenbanfa。

GD真人  

diertiao   benbanfashiyongyuzaizhonghuarenmingongheguojingneiyifasheliqiekaiyeshijianyimanyigewanzhenghuijinianduyishangdejinrongzulingongsifarenjigoudejianguanpingji。

 

GD真人 disantiao   jinrongzulingongsijianguanpingjishizhijianguanjigougenjurichangjianguanzhangwoqingkuangyijiqitaxiangguanxinxi,anzhaobenbanfaduijinrongzulingongsidezhengtizhuangkuangzuochupingjiapanduandejianguanguocheng,shishishifenleijianguandejichu。

GD真人  

disitiao   jinrongzulingongsidejianguanpingjigongzuoyouzhongguoyinxingbaoxianjianduguanliweiyuanhui(yixiajianchengyinbaojianhui)jiqipaichujigou(baokuoyinbaojianjuheyinbaojianfenju)anzhaobenbanfazuzhishishi。

GD真人  

第二章  评级要素和评级方法

GD真人  

diwutiao   jinrongzulingongsijianguanpingjiyaosubaokuozibenguanli、guanlizhiliang、fengxianguanli、zhanlveguanliyuzhuanyenenglidengsifangmianneirong。jinrongzulingongsijianguanpingjiyaosuyoudinglianghedingxingliangleipingjizhibiaozucheng。

 

GD真人 diliutiao     jinrongzulingongsijianguanpingjizhuyaobaohanyixianeirong:

(yi)pingjiyaosuquanzhongshezhi。gejianguanpingjiyaosudebiaozhunquanzhongfenpeiruxia: zibenguanli(15%)、guanlizhiliang(25%)、fengxianguanli(35%)、zhanlveguanliyuzhuanyenengli(25%)。

(er)pingjizhibiaohepingjiyaosudefen。pingjizhibiaodefenyoujianguanrenyuananzhaopingfenbiaozhunpingguhoujiehezhuanyepanduanqueding。pingjiyaosudefenweigepingjizhibiaodefenjiazong。

(san)pingjidefen。pingjidefenyougepingjiyaosudefenanzhaoyaosuquanzhongjiaquanhuizonghouhuode。

GD真人 (si)jianguanpingjijieguoqueding。genjufenjibiaozhun,yipingjidefenquedingjianguanpingjichubujibiehedangci,zaicijichushang,jiehejianguanpingjidiaozhengyinsuxingchengjianguanpingjijieguo。

 

GD真人 diqitiao  jinrongzulingongsidejianguanpingjijibiehedangcifenwei1ji、2ji(a、b)、3ji(a、b)、4jihe5jigong5gejibie7gedangci,jishuyuedabiaomingpingjiyuecha,yuexuyaojianguanguanzhu。

jianguanpingjidefenzai90fen(han)yishangwei1ji;70fen(han)zhi90fenwei2ji,qizhong: 80fen(han)zhi90fenwei2a,70fen(han)zhi80fenwei2b;50fen(han)zhi70fenwei3ji,qizhong: 60fen(han)zhi70fenwei3a,50fen(han)zhi60fenwei3b;40fen(han)zhi50fenwei4ji;40fenyixiawei5ji。

 

dibatiao   duiyucunzaiyixiaqingxingdejinrongzulingongsi,jianguanjigouyingzaipingjidefenduiyingjibiehedangcijichushang,caiquxiangyingcuoshi:

(yi)fashengzhongdashexinganjian、cunzaicaiwuzaojia、beijiyuxingzhengchufahebeicaiqujianguanqiangzhicuoshide,yingqubieqingxingquedingshifoucaiquxiadiaocuoshi,qiejianguanpingjijieguoyingdiyu2ji;

GD真人 (er)wufazhengchangjingying,chuxianyanzhongxinyongweiji,yanzhongyingxiangzhaiquanrenliyihejinrongzhixuwendingde,jianguanpingjijieguoyingwei5ji;

(san)jianguanjigourendingdeqitayingxiadiaojianguanpingjideqingxing,keshiqingjieqingzhongjuedingxiadiaocuoshi。

 

第三章  评级操作规程

 

dijiutiao     jinrongzulingongsidejianguanpingjizhouqiweiyinian,pingjiaqijianweishangyinian1yue1rizhi12yue31ri。niandupingjigongzuoyuanzeshangyingyumeinian5yuediqianwancheng。

 

GD真人 dishitiao   jinrongzulingongsijianguanpingjianzhaoyinbaojianhuipaichujigouchuping、yinbaojianhuifuhe、fankuijianguanpingjijieguo、danganguijidechengxujinxing。

 

dishiyitiao   yinbaojianhuipaichujigouduixianeijinrongzulingongsijinxingjianguanpingjichuping。yinbaojianhuipaichujigouzaijianguanpingjishiyingpeizhichongzudejianguanziyuan,quebaopingjigongzuoshunlikaizhan。

GD真人  

dishiertiao   jianguanpingjichupingyingdangliqiuguangfanhuijigefangmianxinxi,quanmianfanyingjinrongzulingongsidegongsizhili、fengxianguanli、yewujingying、bingbiaoguanlidengqingkuang。xiangguanxinxibaokuodanbuxianyu: feixianchangjianguanxinxi、xianchangjianchabaogao、gongsiyouguanjingyingguanliwenjian、shenjibaogaojiqitazhongyaowaibuxinxideng。xinxishoujiyoujigoujianguanbumenqiantouwancheng,bingchongfenzhengqiuxianchangjiancha、gongnengjianguandengyouguanjianguanbumendeyijian。

 

dishisantiao   jianguanpingjichupingyingdangduishoujidexinxijinxingzixizhengli、shaixuanhefenxi,quedingjinrongzulingongsideguanjianwentihezhuyaofengxianyijixuyaojinyibulejiedepingjixinxi。biyaoshi,kedaobeipingjijinrongzulingongsijinxingxianchangzoufang,quanmianlejieqingkuangbingshoujixiangguanxinxi。

 

GD真人 dishisitiao  jianguanpingjichupingduimeiyixiangpingjiyaosudepingjiayingdangfenxishenru、liyouchongfen、panduanheli,zhunquefanyingjinrongzulingongsideshijizhuangkuang,bingjuciwanchengxiangguandepingjigongzuodigao。

yinbaojianjufuzeshendingsuoxiajinrongzulingongsidejianguanpingjichupingjieguo,bingyumeinian4yuediqianjiangxianeijinrongzulingongsidejianguanpingjichupingjieguoyijianguanpingjibaogaoxingshibaosongyinbaojianhui。

GD真人  

GD真人 dishiwutiao   yinbaojianhuiduiyinbaojianjubaosongdechupingjieguojinxingfuhe,bingjiangjianguanpingjizuizhongjieguoyishumianxingshifankuixiangyingyinbaojianju。

GD真人  

dishiliutiao   yinbaojianhuipaichujigouyingdangjiangjinrongzulingongsidejianguanpingjizuizhongjieguoyijicunzaidezhuyaofengxianhewenti,tongguohuitan、shenshenjianguanhuiyi、jianguanyijianshudengfangshitongbaojijinrongzulingongsi,bingtichuzhenggaiyaoqiu。

GD真人  

dishiqitiao  pingjigongzuojieshuhou,yinbaojianhuipaichujigouyingjiangpingjixinxi、pingjigongzuodigao、pingjijieguo、pingjijieguofankuihuitanjiyaodengwenjianziliaocundang。

GD真人  

dishibatiao jinrongzulingongsijianguanpingjijieguoyuanzeshangjingongjianguanjigouneibushiyong。biyaoshi,jianguanjigoukeyicaiqushidangfangshixiangyouguanzhengfubumen、jingwaijianguandangjudengtongbaojinrongzulingongsidejianguanpingjijieguo,danyingyaoqiuqibudexiangdisanfangpiluhuogongkai。jinrongzulingongsiyingduijianguanpingjijieguoyangebaomi,budejiangjianguanpingjijieguoduiwaipilu,budeyongyuguanggao、xuanchuan、yingxiaodengshangyemude。

GD真人  

第四章 分类监管

GD真人  

GD真人 dishijiutiao   jinrongzulingongsidejianguanpingjijieguoyingdangzuoweijianguanjigouhengliangjinrongzulingongsijingyingzhuangkuang、fengxianchengduhefengxianguanlinengli,zhidingjianguanguihua、peizhijianguanziyuan、caiqujianguancuoshihexingdongdezhongyaoyiju。jinrongzulingongsidejianguanpingjijieguohaiyingdangzuoweijinrongzulingongsishichangzhunrucankaoyinsu。

GD真人 yinbaojianhuipaichujigouyingdangjiehejinrongzulingongsidejianguanpingjijieguo,shenrufenxigongsicunzaidefengxian、wentijiqichengyin,zhidingmeijiajinrongzulingongsidezonghejianguanjihua,mingquejianguanzhongdian,quedingfeixianchangjiancehexianchangjianchadepinlv、fanwei,ducujinrongzulingongsiduifaxiandewentijishizhenggai。

duijianguanpingjiwei1jidejinrongzulingongsi,yifeixianchangjianguanweizhu,dingqijiancegexiangjianguanzhibiao、yewushuju,shiqingkuangjinxingxianchangjiancha,zaichuangxinyewushidiandengfangmianjiyushidangzhichi。

GD真人 duijianguanpingjiwei2jidejinrongzulingongsi,jiaqiangrichangfeixianchangjianguanfenxi,tongguozoufang、huitanhediaoyandengfangshizhangwozuixinjingyingzhuangkuang,bingbaochiyidingdexianchangjianchapinlv,jishifaxiangongsijingyingguanlizhongcunzaidefengxianhewenti,ducuqichixugaishanfengxianguanliheneibukongzhi。

duijianguanpingjiwei3jidejinrongzulingongsi,shidangtigaofeixianchangjianguanhexianchangjianchapinlv、shendu,miqieguanzhugongsicunzaideboruohuanjie,biyaoshiyuetandongshihuihegaojiguanliceng,ducugongsicaiqucuoshigaishanjingyingguanli、jijihuajiefengxian,yifaduiyewuhuodongdengcaiquyidingxianzhicuoshi。

GD真人 duijianguanpingjiwei4jidejinrongzulingongsi,jiyugaodu、chixujianguanguanzhu,quanmian、jishizhangwogongsifengxian、wentiqingkuanghebianhuaqushi,lieweixianchangjianchazhongdianduixiang,zhidingyouzhenduixingdexianchangjianchajihua,zengjiayudongshihuihegaojiguanlicengdejianguanhuitanpindu,yaoqiuqilijicaiqucuoshigaishanjingyingzhuangkuang、jiangdifengxianshuiping,kequbieqingxingyifacaiquzelingzantingbufenyewu,xianzhifenpeihongliheqitashouru,zelingdiaozhengdongshi、gaojiguanlirenyuanhuoxianzhiqiquanli,zelingkonggugudongzhuanrangguquanhuozhexianzhiyouguangudongdequanlidengcuoshi。

GD真人 duijianguanpingjiwei5jidejinrongzulingongsi,jishizhidingheqidongyingjichuzhiyuan。duiyijingwufacaiqucuoshijinxingjiuzhude,keyiyifaqidongshichangtuichujizhi。

 

diershitiao   yinbaojianhuipaichujigouyingjiaqiangduijinrongzulingongsidanxiangyaosupingjidefenqingkuangdejianguanguanzhu,jiehepingjifanyingwenti,shiqingkuangcaiquducugongsizhidingzhenggaijihua、kaizhanzhuanxiangxianchangjianchadengcuoshi。

GD真人  

第五章 附则

 

diershiyitiao   yinbaojianhuikegenjujinrongzulingongsidefengxiantezhenghejianguanzhongdian,yumeiniankaizhanjianguanpingjigongzuoqianshidangdiaozhengpingjiyaosuhepingjifangfa。

 

GD真人 diershiertiao   duiyuzaijianguanpingjigongzuojieshuhoufaxianjinrongzulingongsizhongdafengxianhuozhongdawentide,yinbaojianjukexiangyinbaojianhuitichuxiadiaojinrongzulingongsijianguanpingjijieguodejianyi,yinbaojianhuifuhehoucaiquxiangyingdiaozhengcuoshi。

 

GD真人 diershisantiao    benbanfayouyinbaojianhuifuzejieshi。

GD真人  

diershisitiao    benbanfaziyinfazhiriqishixing。


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