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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:雅博app_雅博官网app_雅博app官网下载_【官网】

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WEIJIANQUANHEWANSHANJINRONGZULINGONGSIJIANGUANZHIDUTIXI,QIANGHUAFENLEIJIANGUAN,TUIDONGJINRONGZULINGONGSICHIXUJIANKANGFAZHAN,JINRI,ZHONGGUOYINBAOJIANHUIFABU《JINRONGZULINGONGSIJIANGUANPINGJIBANFA(SHIXING)》(YIXIAJIANCHENG《BANFA》)。

 

 
 
 
 

《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,CHIXUTISHENGYABOappSHITIJINGJIZHIXIAO。

 
 
 
 

 

 

雅博app ZHONGGUOYINBAOJIANHUIBANGONGTINGGUANYUYINFA

JINRONGZULINGONGSIJIANGUANPINGJIBANFA(SHIXING)DETONGZHI

 

GEYINBAOJIANJU:

《JINRONGZULINGONGSIJIANGUANPINGJIBANFA(SHIXING)》YIJINGYINBAOJIANHUITONGYI,XIANYINFAJINIMEN,QINGZUNZHAOZHIXING。

 

雅博app 2020NIAN6YUE30RI

 

(CIJIANFAZHIYINBAOJIANFENJUHEJINRONGZULINGONGSI)

 

 

雅博app JINRONGZULINGONGSIJIANGUANPINGJIBANFA(SHIXING)

雅博app  

 

第一章  总则

雅博app  

DIYITIAO WEIQUANMIANPINGGUJINRONGZULINGONGSIDEJINGYINGGUANLIYUFENGXIANZHUANGKUANG,HELIPEIZHIJIANGUANZIYUAN,JIAQIANGFENLEIJIANGUAN,CUJINJINRONGZULINGONGSICHIXUJIANKANGFAZHAN,GENJU《ZHONGHUARENMINGONGHEGUOYINXINGYEJIANDUGUANLIFA》《JINRONGZULINGONGSIGUANLIBANFA》DENGYOUGUANFALVFAGUIDEGUIDING,ZHIDINGBENBANFA。

 

雅博app DIERTIAO   BENBANFASHIYONGYUZAIZHONGHUARENMINGONGHEGUOJINGNEIYIFASHELIQIEKAIYESHIJIANYIMANYIGEWANZHENGHUIJINIANDUYISHANGDEJINRONGZULINGONGSIFARENJIGOUDEJIANGUANPINGJI。

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DISANTIAO   JINRONGZULINGONGSIJIANGUANPINGJISHIZHIJIANGUANJIGOUGENJURICHANGJIANGUANZHANGWOQINGKUANGYIJIQITAXIANGGUANXINXI,ANZHAOBENBANFADUIJINRONGZULINGONGSIDEZHENGTIZHUANGKUANGZUOCHUPINGJIAPANDUANDEJIANGUANGUOCHENG,SHISHISHIFENLEIJIANGUANDEJICHU。

雅博app  

DISITIAO   JINRONGZULINGONGSIDEJIANGUANPINGJIGONGZUOYOUZHONGGUOYINXINGBAOXIANJIANDUGUANLIWEIYUANHUI(YIXIAJIANCHENGYINBAOJIANHUI)JIQIPAICHUJIGOU(BAOKUOYINBAOJIANJUHEYINBAOJIANFENJU)ANZHAOBENBANFAZUZHISHISHI。

雅博app  

第二章  评级要素和评级方法

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DIWUTIAO   JINRONGZULINGONGSIJIANGUANPINGJIYAOSUBAOKUOZIBENGUANLI、GUANLIZHILIANG、FENGXIANGUANLI、ZHANLVEGUANLIYUZHUANYENENGLIDENGSIFANGMIANNEIRONG。JINRONGZULINGONGSIJIANGUANPINGJIYAOSUYOUDINGLIANGHEDINGXINGLIANGLEIPINGJIZHIBIAOZUCHENG。

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雅博app DILIUTIAO     JINRONGZULINGONGSIJIANGUANPINGJIZHUYAOBAOHANYIXIANEIRONG:

雅博app (YI)PINGJIYAOSUQUANZHONGSHEZHI。GEJIANGUANPINGJIYAOSUDEBIAOZHUNQUANZHONGFENPEIRUXIA: ZIBENGUANLI(15%)、GUANLIZHILIANG(25%)、FENGXIANGUANLI(35%)、ZHANLVEGUANLIYUZHUANYENENGLI(25%)。

(ER)PINGJIZHIBIAOHEPINGJIYAOSUDEFEN。PINGJIZHIBIAODEFENYOUJIANGUANRENYUANANZHAOPINGFENBIAOZHUNPINGGUHOUJIEHEZHUANYEPANDUANQUEDING。PINGJIYAOSUDEFENWEIGEPINGJIZHIBIAODEFENJIAZONG。

(SAN)PINGJIDEFEN。PINGJIDEFENYOUGEPINGJIYAOSUDEFENANZHAOYAOSUQUANZHONGJIAQUANHUIZONGHOUHUODE。

(SI)JIANGUANPINGJIJIEGUOQUEDING。GENJUFENJIBIAOZHUN,YIPINGJIDEFENQUEDINGJIANGUANPINGJICHUBUJIBIEHEDANGCI,ZAICIJICHUSHANG,JIEHEJIANGUANPINGJIDIAOZHENGYINSUXINGCHENGJIANGUANPINGJIJIEGUO。

 

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:

雅博app (YI)FASHENGZHONGDASHEXINGANJIAN、CUNZAICAIWUZAOJIA、BEIJIYUXINGZHENGCHUFAHEBEICAIQUJIANGUANQIANGZHICUOSHIDE,YINGQUBIEQINGXINGQUEDINGSHIFOUCAIQUXIADIAOCUOSHI,QIEJIANGUANPINGJIJIEGUOYINGDIYU2JI;

(ER)WUFAZHENGCHANGJINGYING,CHUXIANYANZHONGXINYONGWEIJI,YANZHONGYINGXIANGZHAIQUANRENLIYIHEJINRONGZHIXUWENDINGDE,JIANGUANPINGJIJIEGUOYINGWEI5JI;

(SAN)JIANGUANJIGOURENDINGDEQITAYINGXIADIAOJIANGUANPINGJIDEQINGXING,KESHIQINGJIEQINGZHONGJUEDINGXIADIAOCUOSHI。

 

第三章  评级操作规程

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雅博app DIJIUTIAO     JINRONGZULINGONGSIDEJIANGUANPINGJIZHOUQIWEIYINIAN,PINGJIAQIJIANWEISHANGYINIAN1YUE1RIZHI12YUE31RI。NIANDUPINGJIGONGZUOYUANZESHANGYINGYUMEINIAN5YUEDIQIANWANCHENG。

 

雅博app DISHITIAO   JINRONGZULINGONGSIJIANGUANPINGJIANZHAOYINBAOJIANHUIPAICHUJIGOUCHUPING、YINBAOJIANHUIFUHE、FANKUIJIANGUANPINGJIJIEGUO、DANGANGUIJIDECHENGXUJINXING。

雅博app  

DISHIYITIAO   YINBAOJIANHUIPAICHUJIGOUDUIXIANEIJINRONGZULINGONGSIJINXINGJIANGUANPINGJICHUPING。YINBAOJIANHUIPAICHUJIGOUZAIJIANGUANPINGJISHIYINGPEIZHICHONGZUDEJIANGUANZIYUAN,QUEBAOPINGJIGONGZUOSHUNLIKAIZHAN。

 

DISHIERTIAO   JIANGUANPINGJICHUPINGYINGDANGLIQIUGUANGFANHUIJIGEFANGMIANXINXI,QUANMIANFANYINGJINRONGZULINGONGSIDEGONGSIZHILI、FENGXIANGUANLI、YEWUJINGYING、BINGBIAOGUANLIDENGQINGKUANG。XIANGGUANXINXIBAOKUODANBUXIANYU: FEIXIANCHANGJIANGUANXINXI、XIANCHANGJIANCHABAOGAO、GONGSIYOUGUANJINGYINGGUANLIWENJIAN、SHENJIBAOGAOJIQITAZHONGYAOWAIBUXINXIDENG。XINXISHOUJIYOUJIGOUJIANGUANBUMENQIANTOUWANCHENG,BINGCHONGFENZHENGQIUXIANCHANGJIANCHA、GONGNENGJIANGUANDENGYOUGUANJIANGUANBUMENDEYIJIAN。

雅博app  

雅博app DISHISANTIAO   JIANGUANPINGJICHUPINGYINGDANGDUISHOUJIDEXINXIJINXINGZIXIZHENGLI、SHAIXUANHEFENXI,QUEDINGJINRONGZULINGONGSIDEGUANJIANWENTIHEZHUYAOFENGXIANYIJIXUYAOJINYIBULEJIEDEPINGJIXINXI。BIYAOSHI,KEDAOBEIPINGJIJINRONGZULINGONGSIJINXINGXIANCHANGZOUFANG,QUANMIANLEJIEQINGKUANGBINGSHOUJIXIANGGUANXINXI。

 

DISHISITIAO  JIANGUANPINGJICHUPINGDUIMEIYIXIANGPINGJIYAOSUDEPINGJIAYINGDANGFENXISHENRU、LIYOUCHONGFEN、PANDUANHELI,ZHUNQUEFANYINGJINRONGZULINGONGSIDESHIJIZHUANGKUANG,BINGJUCIWANCHENGXIANGGUANDEPINGJIGONGZUODIGAO。

YINBAOJIANJUFUZESHENDINGSUOXIAJINRONGZULINGONGSIDEJIANGUANPINGJICHUPINGJIEGUO,BINGYUMEINIAN4YUEDIQIANJIANGXIANEIJINRONGZULINGONGSIDEJIANGUANPINGJICHUPINGJIEGUOYIJIANGUANPINGJIBAOGAOXINGSHIBAOSONGYINBAOJIANHUI。

雅博app  

雅博app DISHIWUTIAO   YINBAOJIANHUIDUIYINBAOJIANJUBAOSONGDECHUPINGJIEGUOJINXINGFUHE,BINGJIANGJIANGUANPINGJIZUIZHONGJIEGUOYISHUMIANXINGSHIFANKUIXIANGYINGYINBAOJIANJU。

 

DISHILIUTIAO   YINBAOJIANHUIPAICHUJIGOUYINGDANGJIANGJINRONGZULINGONGSIDEJIANGUANPINGJIZUIZHONGJIEGUOYIJICUNZAIDEZHUYAOFENGXIANHEWENTI,TONGGUOHUITAN、SHENSHENJIANGUANHUIYI、JIANGUANYIJIANSHUDENGFANGSHITONGBAOJIJINRONGZULINGONGSI,BINGTICHUZHENGGAIYAOQIU。

 

雅博app DISHIQITIAO  PINGJIGONGZUOJIESHUHOU,YINBAOJIANHUIPAICHUJIGOUYINGJIANGPINGJIXINXI、PINGJIGONGZUODIGAO、PINGJIJIEGUO、PINGJIJIEGUOFANKUIHUITANJIYAODENGWENJIANZILIAOCUNDANG。

 

DISHIBATIAO JINRONGZULINGONGSIJIANGUANPINGJIJIEGUOYUANZESHANGJINGONGJIANGUANJIGOUNEIBUSHIYONG。BIYAOSHI,JIANGUANJIGOUKEYICAIQUSHIDANGFANGSHIXIANGYOUGUANZHENGFUBUMEN、JINGWAIJIANGUANDANGJUDENGTONGBAOJINRONGZULINGONGSIDEJIANGUANPINGJIJIEGUO,DANYINGYAOQIUQIBUDEXIANGDISANFANGPILUHUOGONGKAI。JINRONGZULINGONGSIYINGDUIJIANGUANPINGJIJIEGUOYANGEBAOMI,BUDEJIANGJIANGUANPINGJIJIEGUODUIWAIPILU,BUDEYONGYUGUANGGAO、XUANCHUAN、YINGXIAODENGSHANGYEMUDE。

 

第四章 分类监管

 

DISHIJIUTIAO   JINRONGZULINGONGSIDEJIANGUANPINGJIJIEGUOYINGDANGZUOWEIJIANGUANJIGOUHENGLIANGJINRONGZULINGONGSIJINGYINGZHUANGKUANG、FENGXIANCHENGDUHEFENGXIANGUANLINENGLI,ZHIDINGJIANGUANGUIHUA、PEIZHIJIANGUANZIYUAN、CAIQUJIANGUANCUOSHIHEXINGDONGDEZHONGYAOYIJU。JINRONGZULINGONGSIDEJIANGUANPINGJIJIEGUOHAIYINGDANGZUOWEIJINRONGZULINGONGSISHICHANGZHUNRUCANKAOYINSU。

YINBAOJIANHUIPAICHUJIGOUYINGDANGJIEHEJINRONGZULINGONGSIDEJIANGUANPINGJIJIEGUO,SHENRUFENXIGONGSICUNZAIDEFENGXIAN、WENTIJIQICHENGYIN,ZHIDINGMEIJIAJINRONGZULINGONGSIDEZONGHEJIANGUANJIHUA,MINGQUEJIANGUANZHONGDIAN,QUEDINGFEIXIANCHANGJIANCEHEXIANCHANGJIANCHADEPINLV、FANWEI,DUCUJINRONGZULINGONGSIDUIFAXIANDEWENTIJISHIZHENGGAI。

DUIJIANGUANPINGJIWEI1JIDEJINRONGZULINGONGSI,YIFEIXIANCHANGJIANGUANWEIZHU,DINGQIJIANCEGEXIANGJIANGUANZHIBIAO、YEWUSHUJU,SHIQINGKUANGJINXINGXIANCHANGJIANCHA,ZAICHUANGXINYEWUSHIDIANDENGFANGMIANJIYUSHIDANGZHICHI。

雅博app DUIJIANGUANPINGJIWEI2JIDEJINRONGZULINGONGSI,JIAQIANGRICHANGFEIXIANCHANGJIANGUANFENXI,TONGGUOZOUFANG、HUITANHEDIAOYANDENGFANGSHIZHANGWOZUIXINJINGYINGZHUANGKUANG,BINGBAOCHIYIDINGDEXIANCHANGJIANCHAPINLV,JISHIFAXIANGONGSIJINGYINGGUANLIZHONGCUNZAIDEFENGXIANHEWENTI,DUCUQICHIXUGAISHANFENGXIANGUANLIHENEIBUKONGZHI。

DUIJIANGUANPINGJIWEI3JIDEJINRONGZULINGONGSI,SHIDANGTIGAOFEIXIANCHANGJIANGUANHEXIANCHANGJIANCHAPINLV、SHENDU,MIQIEGUANZHUGONGSICUNZAIDEBORUOHUANJIE,BIYAOSHIYUETANDONGSHIHUIHEGAOJIGUANLICENG,DUCUGONGSICAIQUCUOSHIGAISHANJINGYINGGUANLI、JIJIHUAJIEFENGXIAN,YIFADUIYEWUHUODONGDENGCAIQUYIDINGXIANZHICUOSHI。

DUIJIANGUANPINGJIWEI4JIDEJINRONGZULINGONGSI,JIYUGAODU、CHIXUJIANGUANGUANZHU,QUANMIAN、JISHIZHANGWOGONGSIFENGXIAN、WENTIQINGKUANGHEBIANHUAQUSHI,LIEWEIXIANCHANGJIANCHAZHONGDIANDUIXIANG,ZHIDINGYOUZHENDUIXINGDEXIANCHANGJIANCHAJIHUA,ZENGJIAYUDONGSHIHUIHEGAOJIGUANLICENGDEJIANGUANHUITANPINDU,YAOQIUQILIJICAIQUCUOSHIGAISHANJINGYINGZHUANGKUANG、JIANGDIFENGXIANSHUIPING,KEQUBIEQINGXINGYIFACAIQUZELINGZANTINGBUFENYEWU,XIANZHIFENPEIHONGLIHEQITASHOURU,ZELINGDIAOZHENGDONGSHI、GAOJIGUANLIRENYUANHUOXIANZHIQIQUANLI,ZELINGKONGGUGUDONGZHUANRANGGUQUANHUOZHEXIANZHIYOUGUANGUDONGDEQUANLIDENGCUOSHI。

雅博app DUIJIANGUANPINGJIWEI5JIDEJINRONGZULINGONGSI,JISHIZHIDINGHEQIDONGYINGJICHUZHIYUAN。DUIYIJINGWUFACAIQUCUOSHIJINXINGJIUZHUDE,KEYIYIFAQIDONGSHICHANGTUICHUJIZHI。

 

DIERSHITIAO   YINBAOJIANHUIPAICHUJIGOUYINGJIAQIANGDUIJINRONGZULINGONGSIDANXIANGYAOSUPINGJIDEFENQINGKUANGDEJIANGUANGUANZHU,JIEHEPINGJIFANYINGWENTI,SHIQINGKUANGCAIQUDUCUGONGSIZHIDINGZHENGGAIJIHUA、KAIZHANZHUANXIANGXIANCHANGJIANCHADENGCUOSHI。

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第五章 附则

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DIERSHIYITIAO   YINBAOJIANHUIKEGENJUJINRONGZULINGONGSIDEFENGXIANTEZHENGHEJIANGUANZHONGDIAN,YUMEINIANKAIZHANJIANGUANPINGJIGONGZUOQIANSHIDANGDIAOZHENGPINGJIYAOSUHEPINGJIFANGFA。

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雅博app DIERSHIERTIAO   DUIYUZAIJIANGUANPINGJIGONGZUOJIESHUHOUFAXIANJINRONGZULINGONGSIZHONGDAFENGXIANHUOZHONGDAWENTIDE,YINBAOJIANJUKEXIANGYINBAOJIANHUITICHUXIADIAOJINRONGZULINGONGSIJIANGUANPINGJIJIEGUODEJIANYI,YINBAOJIANHUIFUHEHOUCAIQUXIANGYINGDIAOZHENGCUOSHI。

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DIERSHISANTIAO    BENBANFAYOUYINBAOJIANHUIFUZEJIESHI。

 

DIERSHISITIAO    BENBANFAZIYINFAZHIRIQISHIXING。


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